[Resolved]  Employees Provident Fund Organisation, India — Pf claim not received

ou are about to take up an exciting new job. Even as you say warm goodbyes to your colleagues, attend farewell parties and remove your personal belongings from office drawers, are you leaving behind a lifelong friend? The Employees’ Provident Fund (EPF) account often gets left behind in the old workplace and gets ignored in the euphoria of new jobs.
Often our attention is drawn to it only when the gentleman from the accounts department in the new workplace calls up for details to route the fresh provident fund deductions. Unlike tax deductions that get influenced by, among other things, tax saving investments or expenses, and, therefore, remain within your sight, contribution to the provident fund (PF) account gets deducted before you get your pay cheque. As a result, it often gets ignored even as it silently builds up a corpus for your retirement, thanks to contributions by you and your employer that can be up to 12% of your salary (consisting of basic, dearness allowance and retaining allowance, if any).
(Illustration: Jayachandran / Mint)
(Illustration: Jayachandran / Mint)
In many cases, when people change jobs, they end up ignoring the money lying in existing PF accounts and open fresh ones without transferring money from the older one. Eventually, after some more job switches, the older accounts fall off the mental radar. But, your PF account is portable and can be continued with through your career, despite any number of job changes. You can turn it into a lifelong friend, much like the pug in a popular mobile phone service provider’s advertisement. Let the PF account be an uninterrupted effort to build a large corpus.
However, if the need is great, you can partially or fully withdraw money. This can happen in instances when you expect a spell of prolonged unemployment, a transition to self-employment, where you would want to continue with your retirement accumulation efforts, or have no other option but to tap a part of this money to meet requirements such as those for kids’ higher education, health expenses, marriage of self or children or building a house. Here is a guide map on how to transfer your provident fund account or withdraw money from it.
Transferring the account
When you move to a new job, your EPF account does not get transferred automatically. You have to ask your previous PF office, which maintained your account, to transfer it. You need to fill up Form 13 (available at www.epfindia.com) and give it to your present employer, along with your EPF account number with the previous employer.
You can get your account number from the HR or administration of your previous organization. The number is a function of your employee code, the PF regional office with which the account is maintained and your employer’s PF code.
After your present organization gets these details, it adds your current account number and submits the form to the regional office with which your previous employer maintains the account.
Your EPF not only offers you a lump sum at retirement, but also pension for life. Of the 12% of your salary that your employer contributes to the account, 8.33% gets diverted to the Employees Pension Scheme, which offers a defined benefit at the age of 58. This 8.33% contribution, however, is made till your basic salary is Rs6, 500 per month. Therefore, when you diligently transfer your PF account after every job switch, you secure a source of regular retirement income.
Encashment
To encash your PF money, you need to fill up Form 19 and give it to your previous employer. The PF office lets you withdraw the entire amount on medical grounds, voluntary retirement and unemployment for more than two months. The mandatory break of two months for withdrawal is often circumvented by submission of the claims once two months have passed after a change of organization. Women employees who leave their jobs after marriage do not need to wait two months.
In addition to Form 19, you also need to fill up Form 10C, which lets you withdraw the pension money your employer contributes. However, if you do not wish to withdraw your pension money, you have the option of obtaining a scheme certificate through the same form which continues your pension account even as you encash your PF money. So, you can submit the scheme certificate in the next organization that you join and carry forward your pension account.
Since the system is fraught with loopholes and making a full withdrawal is just a matter of submitting an application two months after quitting a job, there are plenty of cases of people taking out their money. However, with a plan for Social Security Numbers in the pipeline, it may be that there will be just one account number that will move across jobs. Then withdrawals may not be that simple.
Claim timeline: A claim is mandated to be paid within 30 days of being registered with the PF office. If this 30-day deadline is not met, your PF office is liable to pay you penal interest on the claim amount at the rate of 12% per annum. This will be paid from the salary of the regional PF commissioner.
Partial withdrawal
It is a good idea not to encash your account, but the scheme does provide for partial withdrawals in case of emergencies. However, there are certain restrictions with every kind of withdrawal.
To take money out for housing, for instance, you need to have been a member of the EPFO for at least five years and the maximum amount you can withdraw is the basic plus DA for 36 months, or your and your employer’s share for 36 months, or the cost of construction, whichever is the lowest.
But if you can, stay invested, and lug it everywhere you go—it can give you some respite in your second innings.
(Write to us at [protected]@livemint.com)
(The views expressed on this page are not the newspaper’s opinion and are provided for information purposes only by Outlook Money. Readers are requested to do their own research. Neither Mint nor Outlook Money will be responsible for any actions and outcomes based on information provided here.)

Hi,

I would like to know the amount of deposited money in my Pf account. What is the procedure to get it back? My P.F account no is -WB/39682/208.

Respected sir,

My PF A/C NO- MH/BAN/48029/34 My pf amount in not received

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Sir,

I am Tanima Das worked in Sambros & Co. (I) Pvt. Ltd., Kolkata. My P. F. Account No.DL/4567/14. I have left that company in the year 2003. Though I have received my P. F. Amount but till date neither received my Pension nor any reply from the Employees Provident Fund Organisation, New Delhi. Our Head Office at New Delhi. I had sent several letters to the P. F. Authority but no reply has been received by me till date.

I shall be obliged and grateful to you for your kind cooperation.

Regards,
Tanima Das

Sir,
my PF Account No. Up/28739/193 which has been submitted by my company name Revaty R Export on 21.01.09. I just want to know my application status. Even i was login to your web site for tracking my PF account status but the result came with error. So, pl help.

Thank you

SOUBHAGYA SAMANTA SINGHAR

sri, i had work in goldmohar food feeds pvt.ld as a sale officer in vijayawada.I already resined my job one back, i have sub mited PF appelication also. but as on day not any informetion to me.
my P/F No.KN/25368/1452
Thanking you sir.

i have two PF account and i submited forms 19 & 10-c for both.
one of my PF forms 19 & 10-c submitted my PF forms 19 & 10-c on 22/10/2008 at Office of EPFO mumbai. and other forms 19 & 10-c is on 15/jan 2009

both are showing under process till date, so please suggest me what need to do to get the claim amount?

Sir,

My name is Gaurav Kuamr Chugh S/o Sh Satish Kumar Chugh Gupta and my EPF A/c No is UP/28554/67. I want to check that balance of amount in my a/c and withdrow.

Thanking you

Gaurav Kumar Chugh

I AM NOT GETTING MY PF FROM LAST 5 MONTHS TELL ME WHAT TO DO THE NUMBERS WHICH IS GIVEN BY MY OFFICE IS NEVER ANSERED WHERE SHOULD I GO WHON TO COMPLAINT
PLEASE REPLY

It's around seven months when i was in Birla sun life insurance co ltd I had joined it in Jan2008 and resigned in Jul2008 and I had not applied my Pf money because there is no one from Hr department in our office and it was unable to get form of Pf.
Please Email me one Pf form of Birla sun life ins co ltd.THANKS & REGARDS

KARAN JAIN


[protected](M)

Dear Sir

With reference to my PF A/c no:DL-33720/1204, I have made a claim in 19TH May 2008 .As per M/s SHR Solutions that they have forwarded my for form to Pf deptt.But till now I have no information.
I want to know regarding the status of the same.

We have received acknowledgement card on 22 May 2008 but so far no information

Request you kindly look in to the matter.

Regards
Roopa
Mobile No.+91 - [protected]

employees are not given direction about the pf formalities by employers .employers are not having hold on pf officers

sir,
most respect fully i draw your attention reg. my Provident fund a/c no i dont now but from Oct 1980 to DEC 1983 i was working with M/s Metal forgings (p) Ltd b-1 Maya puri new delhi In Dec 1983 I have resign from the co. but till date did nit get any information reg my PF so many time ihave visited the co. but I did not get any favorable response from company. pl. help me if Possible

Hello sir
I am working in private sector of the IT form, I would like to know, How can i know the PF amount in my PF number and where should i go know the PF Amount in my account.

Please Replay me.

Regards
V.Velu

Hi,
I applied for withdraw benefit of EPF amount and I am yet to receive.
Below is the detail for the same
Name on EPF : santosh mishra
PF A/c No. : m.h.-93130/161
Employer : suprem jeams pvt ltd dalasar
Code No. : M.H.-93130
Waiting for reply.

Regards

santosh mishra

I am working in Oracle Hyderabad( 12th March 2007 to till now) .

My PF account from previous Organization (Genisys Software Pvt Ltd, Bangalore 19th Sept 2005 to 2nd March 2007) was maintained by Govt EPF office in Bangalore.
PF account number is KN / BN /19362 /971 ( Regional PF Commissioner's office at K. R.Puram)

I applied for the transfer of my PF from my previous organisation to new organisation immediately after joining the organisation ( i.e. in the month of March 2007 ). Then my company HR updated me to apply for the fresh claim after completion of transition with the new PF No. allotted and approved by the RPFC.

I submitted Form-13 application for (Provident Fund & Pension Fund transfer) again in the month of January 2008. But still i am waiting for my PF to be transferred.

My new PF A/C details are:

PF A/C no is : KN/42357/12549
NSSN No: [protected]

Kindly update me what needs to be done to transfer the PF money accumulated from my previous organization to the new PF A/C.

Thanks,
-Sumit Pandey

P.F.

sir,
I have submitted my GPF Final withdrawl forms in due time well in advance 3 months before, My GPF A/C no is 10703 PH.Kindly make arrangement .I was retaired on[protected] on supranuation Let me know the status of my GPF a/c position at least.to my e mail address.[protected]@yahoo.com and to my Mobile No [protected]

My P/f A/c. No. is DL 25932/1357. Now I want to know details about my account information.