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Ramalingam

Ramalingam Kalirajan  |10958 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Nov 24, 2025

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
tangirala Question by tangirala on Sep 25, 2025Hindi
Money

Sir have been working in a private firm. My age is 66 years. I have resigned in March 2023. I have withdrawn my PF and also my pension from EPFO. Later i came to know that our firm, by mistake went on remitting Pension fund in to my account with EPFO for a long period of 5 years. I have contacted the Local EPFO office where they told me that i will not get it back as this is by mistake paid by your employer. They have confirmed that the amount deposited is with them only which is nearly Rs.69,000. I dont understand that how the EPFO accepted the remittance even after my resignation. My employer is a genuine person and he told me that he will authorise EPFO to send that excess paid amount to transfer in to my account. In spite of several visits to local office, they are not responding. Kindly let me know what to do and how will get that amount back as at this age, i need amount for survival.

Ans: I appreciate your patience in handling this tough issue. You have taken steady steps so far. This situation is stressful at your age, but there are still clear paths that can help you move forward.

» Understanding the root of the issue
Your employer kept paying the pension part for five years after your resignation. This payment stayed in your pension account. EPFO accepted it because the system often does not stop payments unless the employer marks an exit on time. This is a common issue. It is not your fault.

Your employer has also agreed to support your claim. This is good because the employer support is very important. EPFO will not release the extra pension money without proper employer letters.

» Why EPFO is not releasing the money
EPFO officers usually follow strict rules. They treat excess pension payments as an employer mistake. They keep the amount in the pension pool. They do not release it easily. Many retirees face the same problem. Local EPFO offices sometimes avoid giving the right steps. This creates delay and confusion.

But the law allows correction if the employer certifies the mistake. So your case has merit.

» First action step with your employer
Your employer must file a formal request. A simple verbal assurance will not help. You need a written letter on company letterhead. This letter should say the pension amount paid after your exit was by mistake. The employer must ask EPFO to refund the amount to your bank account. The employer must also confirm your correct date of exit.

You must keep a copy of this letter. This becomes your base

» Key documents you must collect
You should collect and keep safe the following:

– Employer exit letter
– Employer mistake confirmation letter
– Your PF passbook copy showing the wrong pension payments
– Your resignation and final settlement proof
– Your Aadhaar, PAN, bank passbook copy

These will help you move your case faster.

» Filing a formal EPFO grievance
Many people do not know this part. This is the most effective step.

You must file a grievance on the EPFiGMS portal. This is the official complaint system. When you file here, the complaint goes to higher officers. They must reply within a time limit. Local officers cannot ignore these cases.

Steps for this:

– Visit EPFiGMS website
– Select your PF office
– Upload employer letter and other documents
– Write clearly that excess pension was paid by employer mistake
– Request refund to your account

This creates a tracking number. You must save that number.

» Escalation if you do not get response
If the PF office does not solve the grievance, there is a next level. You can escalate the complaint. EPFiGMS gives an option to escalate within the system itself.

You can escalate to:

– Regional PF Commissioner
– Zonal PF Commissioner
– Central PF Commissioner

Higher officers take such cases more seriously. Many people succeed only after escalation.

» Importance of regular follow-up
EPFO works better when you show steady follow-up. Keep your follow-up polite and firm. You must visit the office with written reminders. Each reminder should have date and your grievance number.

You can also take your employer’s HR person with you. When the employer visits with you, officers tend to respond faster.

» Using the Right to Information Act
If the PF office keeps delaying, you have another strong tool. You can file an RTI application. This forces the PF office to give a written reply on why they are holding the money. They cannot delay once RTI is filed.

You can ask in RTI:

– Why the refund is not processed
– What rule is stopping the refund
– What steps are pending
– Who is the officer responsible

RTI puts pressure and moves files faster.

» Taking help from the PF Commissioner’s public hearing
Every PF office has a monthly public hearing. People can meet the Regional Commissioner directly. You can visit with your documents and grievance number. Many people get quick solutions in these hearings.

You must ask the office for the hearing date. Attend with the employer letter. Your case is simple and genuine. It may get cleared here.

» Approach through the employer’s digital portal
Employers have a separate login called the employer portal. The employer can update your exit date properly. They must file a correction request. If the employer updates this correctly, your refund case becomes stronger. You should request the employer to do this without delay.

» Writing a formal request letter
You must also submit your own written request to EPFO. The letter must be short and clear. You must attach:

– Employer correction letter
– Your ID proofs
– PF passbook

Give one copy to EPFO and take an acknowledgement on another copy. This is important for record.

» Complaint through CPGRAMS
If EPFO still does not act, there is a national grievance system called CPGRAMS. Once you file here, the PF office must reply quickly. This is powerful because it goes to the Central Government dashboard.

Many people get results within weeks through CPGRAMS.

» Handling the emotional pressure
You are 66 years old. You need this money for your daily needs. You have already faced delay. It is natural to feel stressed. But your case has strong points:

– Money is yours
– Employer supports you
– EPFO has the record
– Law allows correction

So your chances are strong. You must stay steady and follow the steps one by one.

» Avoid getting discouraged by EPFO staff
Sometimes officers say “cannot refund” only to avoid extra work. This does not mean the refund is not possible. It only means they do not want to take responsibility. When you use written systems like EPFiGMS, RTI, CPGRAMS, they cannot avoid your case.

Your steady action will create movement.

» Keep your communication simple and polite
Do not argue with officers. Keep words short and respectful. Show documents neatly. This helps them process your case faster. You must look confident but calm.

» Steps you must take now
Below are the simple steps in the right order:

– Get employer correction letter
– Collect all documents
– File grievance on EPFiGMS
– Visit with documents and employer support
– Escalate if needed
– File RTI if delayed
– Attend public hearing
– File CPGRAMS if still pending

These steps cover all angles. One of these will surely help.

» Why the refund is valid
Refund is valid because:

– Excess pension was paid after your exit
– This payment does not match PF rules
– Employer has confirmed the mistake
– You have already closed your pension earlier
– You are legally entitled to correct credit

EPFO must act when employer certifies the mistake.

» Keep the employer closely involved
Employer role is very important. Many cases get stuck because the employer does not support. But in your case, employer is willing. Ask them for:

– Letter
– Digital correction
– One office visit
– Support in grievance

This helps your case greatly.

» Consider keeping your paperwork organised
Keep all papers in one file. Use separate sections. When you visit the office, it shows clarity. Officers respond better when your papers are arranged well.

» If the refund is delayed for long time
If nothing moves even after all steps, you can write to the Zonal Office or Head Office in Delhi. Send only simple words with scanned documents. They often push the regional office to act.

You can also write to the Pension Division separately. But usually, higher officers solve it.

» Managing your financial stress
At your age, every rupee matters. This amount of Rs.69000 is not small for daily needs. You must stay hopeful. You have taken the right steps. Continue following formal methods. You will succeed. Many senior citizens have got such refunds after steady follow-up.

» Avoid thinking that the money is lost
Your money is not lost. It is only stuck. It is still in your pension account. There is full proof of it. You just need the right process to unlock it. You have a strong case. You also have employer support. So the refund is possible.

» Look at the bigger picture with patience
EPFO moves slow. But the system works when pushed through the right channels. You have every right to receive this amount. Keep moving with simple steps. You will get progress.

» Final Insights
You have handled this matter with courage. You have also taken help from your employer. This is very important. Continue with clear written steps. File your grievance properly. Escalate without fear. Use RTI and CPGRAMS if the local office delays. Meet higher officers in the public hearing. With these actions, your refund will move in the right direction. Please stay steady. You will see progress.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

https://www.youtube.com/@HolisticInvestment
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Hi Sir, I worked a small level company between 01.02.2018 to 30.04.2021. They paid standard EPF contribution of Rs. 1800/- from my side they deducting the same of Rs. 1800/-. After I exit the company I applied the EPF Withdrawl (both contribution) on 06.05.2023 and it was rejected by the officer and the reason was mentioned "Claim Rejeced EQUAL SHARE 07/18". The Employer deposit the July 2018 share in wrongly i.e. The deposited Rs. 1800/- in Employee Share and Rs. 1800/- employer Share and Pension is " 0 ". instead of Rs.1800/- as employee, Rs. 550/- as Employer and Rs.1250/- as pension contribution. When I sent a 2 continues mail to EPF they taking my query as a grivience and sent a query to the employer. But Still they not close the issue. How to I approch them to clear my claim. Because there is no mistake from my side. Thanks in Advance. Narayanan
Ans: I understand that your EPF withdrawal claim has been rejected due to an error in your employer's contribution. This is frustrating, but it is important to remember that you are not alone. Many people experience problems with their EPF claims, especially when their employers make mistakes.

When filing a grievance, be sure to provide clear and concise information about the issue. You should also include any relevant documentation, such as your EPF statement and the revised Form 11 from your employer (if you have one).

Once you have filed a grievance, the EPFO will investigate the matter and try to resolve it. This process can take some time, but it is important to be patient.

Here are some additional tips:

• Keep track of all your communication with the EPFO. This includes emails, phone calls, and visits to the office.
• If you are not satisfied with the EPFO's response, you can escalate the issue to the regional or national level. You can also mail on employeefeedback @ epfindia.gov.in for the redressal of your grievance.

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Naveenn Kummar  |241 Answers  |Ask -

Financial Planner, MF, Insurance Expert - Answered on Jan 15, 2026

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Hi, I am 55 years of age, an NRI working in Dubai and my company has a medical insurance policy that covers all medical expenses for me and my wife all over the world. In 5 years time, upon retirement, I will relocate back to India. Will I be able to take a medical insurance policy for myself and my wife at the age of 60 years ? If I take a medical insurance policy now, would it help in reducing the insurance premium ? Kindly advice.
Ans: Hi Girish

You are 55, working in Dubai, and currently covered under your company’s medical insurance worldwide. That cover is excellent, but please remember one important thing: it ends the day your employment ends. Health insurance planning has to look beyond employment.

Can you take a health insurance policy in India at age 60?
Yes, you can. Most insurers in India do allow entry at 60 years and even later.
However, at that age:

Premiums are significantly higher

Medical tests and scrutiny are much stricter

Any lifestyle condition or past medical history can lead to waiting periods, exclusions, or higher premiums

So while it is possible, it is not ideal to start fresh at 60.

Will taking a policy now help reduce premium later?
The bigger benefit is not just premium, but certainty and continuity.

If you take a policy now at 55:

You enter at a lower age slab

Mandatory waiting periods (usually 2–4 years) get completed well before retirement

By the time you are 60, the policy becomes mature and far more useful

Underwriting happens when you are younger and healthier

Premiums will still rise with age, but you avoid the sharp jump and uncertainty of entering as a new senior citizen.

But since you already have full medical cover, is this necessary?
Think of this Indian policy as a retirement safety net, not a replacement for your employer cover.

You do not need to actively use it now.
You just need it to run in the background, so that when you return to India, you are not forced to buy insurance at the worst possible time.

Many NRIs make the mistake of postponing this decision and then struggle at 60 when options become limited.

What kind of policy should you consider?
Keep it straightforward:

A family floater for you and your wife

Decent coverage, not the bare minimum

Focus on hospitalisation benefits

Buy it with the intention of continuing it for life

Avoid over engineering the policy. Simplicity works best in health insurance.

Final advice
Health insurance is one area where early action quietly pays off later.
You may never thank yourself at 60 for buying a policy at 55, but you will definitely regret not doing it if a medical issue arises.

Most obvious question how can I take the family floater insurance most insurance will issue when you are visiting India

Few insurance will issue incase your are not able to visit Indian the cost of medical test in your abroad hospital or clinic will cost you heavy on pockets

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https://members.networkfp.com/member/naveenkumarreddy-vadula-chennai

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Ans: During menopause, weight gain and fatigue are common due to hormonal changes and a slower metabolism, but the right diet can help. A balanced approach is beneficial, such as a Mediterranean-style diet or a modified high-protein plan that emphasizes whole grains, lean protein, healthy fats, and plenty of vegetables. This supports weight management, stabilizes mood, and boosts energy without leaving you hungry. Pairing this with strength training, good sleep, and stress management can help you manage weight, energy, and mood swings sustainably.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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