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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on May 22, 2024

Anu Krishna is a mind coach and relationship expert.
The co-founder of Unfear Changemakers LLP, she has received her neuro linguistic programming training from National Federation of NeuroLinguistic Programming, USA, and her energy work specialisation from the Institute for Inner Studies, Manila.
She is an executive member of the Indian Association of Adolescent Health.... more
Asked by Anonymous - May 14, 2024Hindi
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Relationship

Respected MADAM/ SIR, After my father’s demise, my sister managed to brainwash my 81 year old mother and took her away from me and slowly grabbed my father’s property with her support. My mother then started believing everything whatever she said and then started speaking I’ll of me and I feel my sister managed to convince her to stop any contact with me.. I then applied in the civil court to ask for my share of my father’s property.. In the meantime I tried to contact my mother but it seems she was not interested in meeting me and used to speak I’ll of me to everyone.. This angered my husband and child and they forbade me to contact her further.. my question is whether I will be able to get 50 percent of my father’s property or my sister who has played games to grab almost 80 percent of the entire property will succeed. I have aged too, but feel sad that I couldn’t get any further scope for meeting my mother last six years and she has developed so much hatred for me ??? Did I deserve this sort of betrayal... Where is justice in the eyes of the Lord?

Ans: Dear Anonymous,
Aiming at peace of mind seems to be a better option in your situation.
Yes, your sister cheated you, but how are you going to contest this? Are there any legal documents like a registered will of your father that states that you will receive a portion of your father's assets?
Without any proof, it's your word against your sister's...how will you prove that your sister actually 'brainwashed' your mother?

Please consult a lawyer who will be able to guide you on this further. Now as to whether you deserved this betrayal? None of us need betrayals and mistrust and disappointments and sadness...but at different points in time, some of us or most of us are bound to experience some or all of these...What do you do about it?

Act rationally which means you set aside your emotion and check what can be done as damage control or salvaging what can be salvaged. And this will mean keeping any anger aside and then think carefully; that's the only way you will be able to consult with the lawyer and do what's best. Like I mentioned it, peace of mind over everything else...do what it takes to get to your peace without hurting yourself or anyone else in the process...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/
Asked on - Jul 15, 2024 | Answered on Jul 15, 2024
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Thanks for sharing your time and appreciate your guidance and support. Regards ????????
Ans: Dear Anonymous,
You are most welcome...

All the best!
Dear Anonymous,
No, Age is not so important in a marriage; but if it isn't, then why did you hide the fact of your real age? You have givem it that importance enough to hide it, yeah?
And any relationship based on lies or a hidden fact can cause damages...
The only way that I can see is work with the Counselor and appeal to your husband as well. Tell him that your child needs the love of both parents. Hear what he has to say...and yes, he is bound to bring up the age factor over and over again...it is something that he feels cheated with...so, respect it...Like I said, Apologize like you really mean it...

And oh, why are you so bothered about how he will treat other women in his life? Just focus on your life and your marriage...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Aug 16, 2023

Asked by Anonymous - Jul 22, 2023Hindi
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Relationship
Please keep it anonymous I am married for last 12 years and I have a daughter. After marriage I lost my father and he was 70. I have a mother and we have a house with two floors that my father constructed. I am well educated and earn well. I am 42 now. After 4 years into marriage I suffered from cancer and suffered for 2 years with treatment and surgery. Still I managed to work and earn for my family and continued to work. After I fought cancer completely and did not have any cancer left in me. I am doing fine supporting my family. My wife and inlaws started accusing me of dowry constantly there after because I am a cancer survivor and there is no guarantee of my life and I may die any moment or my illness may take me away anytime. I am working and still providing for my wife and daughter from clothing, schooling, rent, food, recreation, trips. My wife does not spend even a little for family. She hoards all the money. My mother is a widow and she gets some pension and my wife stops me from giving money to my mother. My inlaws and my wife harassed me & my mother for the house asking to give the entire house. I have another brother and sister who are also entitled to own my father's property but my inlaws and wife harass me for full claim of my father property because I fell ill. This has been constantly faced by me in the last 10 years into my marriage. I am out of my illness and I am leading a normal life for last 8 years. I also safeguarded my wife and my daughter by purchasing a property of 2 crores from the money that I earned and have given full control of the property to my wife. Still my wife and inlaws behave the same that I may die anytime and they are always behind my mother's house for complete will and ownership. I am tired of all this, even during my illness, i supported myself financially and with my savings. I have worked for 20+ years and I have spent all my earnings and savings and purchased a 2 crore land property for my wife and daughter's future. I also have health issues and medical expenses for which I have no money left or savings left. My inlaws are rich and own 2 commercial complex which gives them about 2Lac rent per month. I have never asked for them for any financial help but still they are behind me and my family for money and property which all seems too much harassment for me. I need to save money for my daughter's education and marriage. Or I am telling my wife that we can use the property that I have made for her education and marriage but she does not agree and asks me to construct a new house worth 50Lac and again she does not want to pitch in and contribute. Can you guide me on how should I handle this financial committment that never seems to end inspite of giving off everything I have to them ?
Ans: Dear Anonymous,
I hope things are better for you now. I have answered your question on July 22 itself...You may copy paste the link below on your browser to view the answer:
https://gurus.rediff.com/question/qdtl/relationship/keep-anonymous-married-12-daughter-marriage-lost-father-70-mother/5142258

All the best!

..Read more

Anu

Anu Krishna  |1757 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 25, 2023

Asked by Anonymous - Jul 22, 2023Hindi
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Relationship
Please keep this anonymous I am married for last 12 years and I have a daughter. After marriage I lost my father and he was 70. I have a mother and we have a house with two floors that my father constructed. I am well educated and earn well. I am 42 now. After 4 years into marriage I suffered from cancer and suffered for 2 years with treatment and surgery. Still I managed to work and earn for my family and continued to work. After I fought cancer completely and did not have any cancer left in me. I am doing fine supporting my family. My wife and inlaws started accusing me of dowry constantly there after because I am a cancer survivor and there is no guarantee of my life and I may die any moment or my illness may take me away anytime. I am working and still providing for my wife and daughter from clothing, schooling, rent, food, recreation, trips. My wife does not spend even a little for family. She hoards all the money. My mother is a widow and she gets some pension and my wife stops me from giving money to my mother. My inlaws and my wife harassed me & my mother for the house asking to give the entire house. I have another brother and sister who are also entitled to own my father's property but my inlaws and wife harass me for full claim of my father property because I fell ill. This has been constantly faced by me in the last 10 years into my marriage. I am out of my illness and I am leading a normal life for last 8 years. I also safeguarded my wife and my daughter by purchasing a property of 2 crores from the money that I earned and have given full control of the property to my wife. Still my wife and inlaws behave the same that I may die anytime and they are always behind my mother's house for complete will and ownership. I am tired of all this, even during my illness, i supported myself financially and with my savings. I have worked for 20+ years and I have spent all my earnings and savings and purchased a 2 crore land property for my wife and daughter's future. I also have health issues and medical expenses for which I have no money left or savings left. My inlaws are rich and own 2 commercial complex which gives them about 2Lac rent per month. I have never asked for them for any financial help but still they are behind me and my family for money and property which all seems too much harassment for me. I need to save money for my daughter's education and marriage. Or I am telling my wife that we can use the property that I have made for her education and marriage but she does not agree and asks me to construct a new house worth 50Lac and again she does not want to pitch in and contribute. Can you guide me on how should I handle this financial committment that never seems to end inspite of giving off everything I have to them ?
Ans: Dear Anonymous,
The fact that you are sharing your story which is indeed sad tells me that you know what must be done but are hesitating to do it.
When there is no respect in a marriage and for the spouse and his needs and the issue has become money and to attain that money at all costs, that is not a marriage anymore. It only speaks of selfishness.
You are right in protecting your interests and that of your daughter. So, time to toughen up and say NO to your wife and her family. It may seem harsh to them at first, but be very assertive. You have the right to plan your finances especially when family around you have begun to act like predators.
So taking a loan is only going to bleed your finances more and if you are convinced you don't want to do that, then please don't.
Yes, there will be arguments and big fights, but do what is right by you and for you. It may seem selfish but it is only self-care and self-love. This should also help you become fitter physically and emotionally to lead a better quality life.

All the best!

..Read more

Kanchan

Kanchan Rai  |648 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 22, 2023

Relationship
Please keep my question anonymous I am married for last 12 years and I have a daughter. After marriage I lost my father and he was 70. I have a mother and we have a house with two floors that my father constructed. I am well educated and earn well. I am 42 now. After 4 years into marriage I suffered from cancer and suffered for 2 years with treatment and surgery. Still I managed to work and earn for my family and continued to work. After I fought cancer completely and did not have any cancer left in me. I am doing fine supporting my family. My wife and inlaws started accusing me of dowry constantly there after because I am a cancer survivor and there is no guarantee of my life and I may die any moment or my illness may take me away anytime. I am working and still providing for my wife and daughter from clothing, schooling, rent, food, recreation, trips. My wife does not spend even a little for family. She hoards all the money. My mother is a widow and she gets some pension and my wife stops me from giving money to my mother. My inlaws and my wife harassed me & my mother for the house asking to give the entire house. I have another brother and sister who are also entitled to own my father's property but my inlaws and wife harass me for full claim of my father property because I fell ill. This has been constantly faced by me in the last 10 years into my marriage. I am out of my illness and I am leading a normal life for last 8 years. I also safeguarded my wife and my daughter by purchasing a property of 2 crores from the money that I earned and have given full control of the property to my wife. Still my wife and inlaws behave the same that I may die anytime and they are always behind my mother's house for complete will and ownership. I am tired of all this, even during my illness, i supported myself financially and with my savings. I have worked for 20+ years and I have spent all my earnings and savings and purchased a 2 crore land property for my wife and daughter's future. I also have health issues and medical expenses for which I have no money left or savings left. My inlaws are rich and own 2 commercial complex which gives them about 2Lac rent per month. I have never asked for them for any financial help but still they are behind me and my family for money and property which all seems too much harassment for me. I need to save money for my daughter's education and marriage. Or I am telling my wife that we can use the property that I have made for her education and marriage but she does not agree and asks me to construct a new house worth 50Lac and again she does not want to pitch in and contribute. Can you guide me on how should I handle this financial committment that never seems to end inspite of giving off everything I have to them ?
Ans: I'm sorry to hear about the difficult situation you're facing with your wife and in-laws. It's clear that you have been through a lot, including battling cancer and overcoming financial challenges to support your family. It's important to remember that you deserve support and understanding from your spouse and in-laws during these trying times.

Here are some suggestions on how to handle this ongoing financial commitment and the issues you're facing:

Open communication: Have an honest and open conversation with your wife about your financial situation, your concerns, and the importance of working together as a team. Explain the financial constraints you are facing due to your health issues and medical expenses. Ensure that she understands the importance of planning for your daughter's education and future.
Seek professional advice: If necessary, consult with a financial advisor or a family counselor to mediate the discussions and help find a resolution. A neutral third party might be able to provide insights and suggestions to manage the financial matters more effectively.
Legal consultation: Since there are disputes over property and ownership, it might be wise to consult with a lawyer to understand your rights and options related to your father's property. They can help you navigate the legal aspects and protect your interests.
Support from extended family: Reach out to your brother and sister for support and understanding during these challenging times. They may be able to provide emotional and even financial support to help you and your mother.
Set boundaries: Clearly communicate with your wife and in-laws about your expectations and boundaries. Make it clear that you won't tolerate harassment or demands that are unfair or unreasonable.
Financial planning: If possible, create a financial plan for your daughter's education and future needs. Discuss with your wife how you can contribute together to achieve these goals, considering your current financial constraints.
Seek support for yourself: Going through so much stress can be emotionally draining. Consider seeking support from a therapist or counselor to help you cope with the situation and manage your emotions.
Stay strong and assertive: Remember that you have been through a lot and have worked hard to provide for your family. Stay assertive in protecting your interests while maintaining respect and empathy.
Ultimately, it's essential to prioritize your daughter's well-being and future. Ensure that the decisions made are fair and in the best interest of all involved parties. If the situation becomes too overwhelming, don't hesitate to seek legal advice to protect your rights and assets. Remember, it's okay to seek help and support when dealing with challenging circumstances like this.

..Read more

Ramalingam

Ramalingam Kalirajan  |10925 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 19, 2024

Asked by Anonymous - Jul 19, 2024Hindi
Money
Hi, sorry it's a very long post My mother is 60year old homemaker(nil income) and father is 68yr old retired govt employee (recieving pension).we are 3 children [2 daughters ( all aged between 30-40yr)]to our parents.All of us are married and earning for our livelihood. We sisters are contributing to parents health insurance and other financial things since we started earning and even after marriage ( as my father is an alcoholic too not looking after the household well).Mother has a property in her name given to her by her father as a gift deed. Father had one house and a plot in his name and some ancestral property. Brother went to abroad for studies in 2018 and came back in 2020. He had a girlfriend since his college days( he married to her in 2022, never had objection from anyone of family members ). Since his arrival, he and his girlfriend started involving in all financial matters of my maternal house to the extent he was using my father's debit card for his own use( father says he has given card to brother willfully). Brother wanted to construct a commercial building in my mother's property. He and my father started threatening my mother to register her property ( actually located near Brother's girlfriend house) in name of brother saying if she doesn't agree ,they won't marry off my sister( who got married in 2022 in the presence of grandparents, mother and myself and both my father and brother didn't attend the marriage). They even extracted money from mother's account (which was given now and then to her by me and my sister).During all these process even brother's girlfriend ( wanted a source of income by renting my parents house)also started abusing my mother and involved in all financial matters ( that freedom was given to her by father and brother as my mother was suppressed and we sisters were not aware of things going on). Everything led to the abandonment of my mother who stayed in her friend's place then I brought her to my house. Now after 3 years ( during the course our wellwishers tried counselling and mediation between my father, brother and mother without sisters which didn't work out). my brother got my parents house( and a plot which was in my father's name) registered to his name as a gift deed from my father without informing mother. All the documents of the property gift deeded to my mother by her father is with my brother and father. They are threatening my mother if she enters her own property. Now my mother has no place and income though she had contributed extensively to upliftment of the family all over these years. She ran a grocery store for 15years during which one plot was bought and house was built in that. Another plot was bought after my parents marriage with the help of dowry money given to my father ) but all the properties were registered in my father's name. She has her contribution financially, emotionally and physically. Now doesn't my mother has right to ask back the house and the property given to my brother without her knowledge and to ask for maintenance from my father and also sue all three of them for mental and physical torture..? We sisters want her to lead a peaceful life in her final years of her life.. please guide us.
Ans: Evaluating Your Mother’s Rights

Your mother has been through a lot. Let's explore her legal and financial rights. She deserves to live peacefully in her final years.

Legal Rights Over Property

Your mother owns property gifted by her father. She has full rights over this property. The property can’t be taken without her consent. If your brother and father took documents, this is illegal.

Action Steps for Property

Retrieve Documents: Seek legal help to get back property documents.
Consult a Lawyer: Discuss the possibility of reclaiming the property.
File a Complaint: If threatened, your mother can file a police complaint.
Maintenance from Your Father

Your father has a duty to support your mother. She can claim maintenance from him. This can be done through legal channels.

Action Steps for Maintenance

Seek Legal Advice: A lawyer can help your mother file for maintenance.
Family Court: File a petition in family court for maintenance.
Right to Ancestral Property

Your mother contributed to the family. She can claim a share in ancestral property. The law supports her right to ancestral property.

Action Steps for Ancestral Property

Legal Consultation: Discuss the possibility of claiming ancestral property.
File a Suit: If needed, file a suit for partition of ancestral property.
Mental and Physical Torture

Your mother faced mental and physical torture. This is a serious issue. She can seek legal action against your brother, father, and sister-in-law.

Action Steps for Torture

File a Complaint: Lodge a complaint with the police for harassment.
Protection Orders: Seek protection orders from the court.
Health Insurance and Financial Support

You and your sister have supported your parents. Continue to ensure health insurance coverage. Your mother may need financial support until her rights are restored.

Action Steps for Financial Support

Joint Efforts: Continue supporting your mother financially.
Plan for Future: Set up a fund for your mother’s needs.
Investments for Secure Future

Consider investing in mutual funds for your mother’s secure future. Regular funds with the help of a Certified Financial Planner (CFP) are beneficial. Avoid direct funds due to lack of professional advice.

Benefits of Regular Funds

Professional Management: CFPs manage the funds, ensuring optimal returns.
Less Hassle: No need for your mother to manage investments actively.
Tailored Advice: Investments tailored to her risk profile and needs.
Regular Review of Investments

Regularly review investments with a CFP. Adjust them based on your mother’s needs and market conditions. This ensures her financial security.

Final Insights

Your mother has rights over her property. She can claim maintenance from your father and her share in ancestral property. Legal action can be taken for mental and physical torture. Continue supporting her financially and ensure her health insurance coverage. Invest wisely with professional advice for her secure future.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 22, 2025Hindi
Money
I am 34 years old, married, with no children yet, but we plan to start a family by the end of 2026. Our monthly household take-home income is 4.4 lakh. We have cumulative EMIs of 1.50 lakhs per month: (1) Home Loan (1 Cr Outstanding, 9 years left): 1.1 lacs per month, (2) Car Loan (8 lacs outstanding 4 years left): 25k per month (3) Personal Loan (4 years left) - 15k per month. Our investments include 50 lakh in stocks and mutual funds, and 30 lakh in PF. I have a term plan with cover till age 85, costing additional 1.3 lakh per year in premium for next 7 years. Me and my wife are covered by our employer for medical insurance, and our parents will also have PSU pension and medical cover after retirement. We spend around 1.2 lakh per month on household expenses in Gurgaon. We invest 1 lakh monthly having 20-90 split in stocks and MFs and keep 2 lakh in an emergency savings account. My long-term goal is to pay off all loans, build a financial buffer to move back to my hometown a tier 2 city and do remote work from there - this might reduce our househol income by 30-40%. Given these details, how should I plan our investments to achieve the goals and how many years are we looking to achieve this?
Ans: Hi,

You have done great investments at such age. Let us go through the details one by one:
1. You have a term cover and health insurance for yourself as well as family.
2. You should have emergency fund of 6 months' worth expenses in liquid mutual funds for uncertain times, 2 lakhs is way too less.
3. Currently 3 loans - Home, Car and Personal. All loans will be finished in 9 and 4 years respectively(total EMI - 1.5 lakhs). Overall loans are high. Try to close PErsonal loand first followed by car loan to reduce the EMI burden.
4. 50 lakhs current holdings in stocks and mutual funds.
5. 30 lakhs in PF.
6. 1.4 lakh monthly expenses.
7. Current SIP - 1 lakh permonth in stocks and mutual funds.

You have build a great wealth for yourself at your age. You are also planning to start a family. Keep your invesments like this with consistency and you will finish loans and be able to move to your home as well.

Although direct stock investment needs loads of time and research - hence not recommended. It is advisable for you to keep your investments limited to mutual funds only. And it would be great to take a professional's help as even a slightest mistake can break or make your wealth.

Before relocating after few years, try to maximize your investments at the maximum potential and let compounding do its magic. Try to invest more than 1 lakh per month in mutual funds for a secured future.

Doing and managing investments along with your job is not recommended. It is always better to go for professional advice when it comes to money.

You can connect with a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 16, 2025Hindi
Money
Hello Advait sir, I am 48 year having privet Job. I have started investment from 2017, current value of investment is 82L and having monthly 50K SIP as below. My goal to have 2.5Cr corpus at the age of 58. Please advice... 1. Nippon India small cap -Growth Rs 5,000 2. Sundaram Mid Cap fund Regular plan-Growth Rs 5,000 3. ICICI Prudential Small Cap- Growth Rs 10,000 4. ICICI Prudential Large Cap fund-Growth Rs 5,000 5. ICICI Prudential Balanced Adv. fund-Growth Rs 5,000 6. DSP Small Cap fund Regular Growth Rs 5,000 7. Nippn India Pharma Fund- Growth Rs 5,000 8. SBI focused Fund Regular plan- Growth Rs 5,000 9. SBI Dynamic Asset Allocation Active FoF-Regular-Growth Rs 5,000
Ans: Hi,

It is great that you are investing since 2017. Long investments and patience always gives results.
You can easily achieve your goal corpus by the time you turn 58, if investment done correctly.

The funds you mentioned have so much overlapping and scattered. It needs rework and complete reallocation. Maximum of 5 funds should be there. Take the help of a professional to align your portfolio with your goal and customized profile.

A random portfolio like yours can create an opposite impact and generate negative to zero returns.

And try to increase the monthly SIP by 10% each year. This will take care of inflation power.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
Hello and namaskar.. I am 36 years old. Need your guidance in the following funds- (a) parag parekh flexi cap - 7500/- per month (B) GROWW nifty midcap 150 index fund -2500/- per month (C) mirae asset ELLS tax saver -5000/- (D) pGIM india mid cap opp. Fund -5000/- (E) quant small cap fund-4000/- (F) ICICI prudential equity and debt fund - 3000 (G) HDFC FLEXI CAP FUND - 4000 (H) Uti nifty 50 index fund - 5000 Additionally I want to invest 1lakh annually. Tell me where to invest this additional amount. These funds are ok or I should exit from any fund and invest in any other fund. I want to get 2 crore till the end of 2035. Am I going on the right track.
Ans: Hi Rajesh,

Appreciate your dedication in investing in mutual funds for long term. The funds selected by you are very random and not recommended for your goal. Overall investments are also not in alignment, this portfolio is a very random one.
Currently you are investing 36000 per month - keep your investments simple in largecap, midcap, smallcap and mutlicap fund. Keep additional 1 lakh as well in these funds.

You should consider exiting funds like quant and shift to more stable ones.

Your current funds are direct, but direct funds are over-rated. A random portfolio like this can instead give less returns than a professionally designed one. It is always better to go for a regular portfolio suggested by a professional. Proper funds with a designed dedicated plan will help you reach your goal of 2 crores in 10 years in an efficient way.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

Reetika

Reetika Sharma  |459 Answers  |Ask -

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Money
I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.
Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

...Read more

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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