4 EPF withdrawal changes effective from Feb 2016

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• Sir, I am joining my service in BSNL 23 August 2004 but not deducted epf till August 2014. I have become member of epf from 1 sep 2014 ,but my training pd was 12 July 2004 to 21 August 2004 and deduct the epf for this pd.so ?hat can I do for 10 years pd my epf not deducted from my salary. And also my question is I am eligible for higher pension. Please help me.

  • Dear Shailendra,
    Can you elaborate your question in detail with clarity?

• I worked with a private IT firm until Feb 2018(6.1 years) which is an exempted trust and then joined in another organization . Unfortunately or fortunately they created same UAN number after submitting my old UAN. I want to withdraw my PF from previous employer which is under exempted trust.

  1. Will I get my full refund or 100% if I apply for PF withdrawal now?
  2. I tried to withdraw online but am not bale to. Getting error PF is under trust and asking to contact Trust.

  Thank You.
  Chaitanya

  • Dear Chaitanya,
    1) YES.
    2) Yes, you have to contact your old employer for the same.

    • Thanks for quick reply Basvaraj.
      procedure to withdraw PF?
      If i opt for withdraw, how many days it will take to process.?

      • Dear Chaitanya,
        Around 10-15 days.

        • Hi Basavaraj,

          From previous employer i got relpy as below.

          Please note that as per PF ACT, PF amount can be withdrawn under the following situations:
          1) Not working in any organization in the near future.
          2) Working in an organization where the PF Act is not applicable.
          3) Going abroad to work once resigned.
          4) When an employee attains the Age of 58yrs

          I didnt follow in any of above points.
          1. So didnt have any chance to withdraw ?
          2. Only i need to transfer. ?

          Please suggest.

          Regards,
          Chaitanya

        • Dear Chaitanya,
          YES.

• Hi ,

  I have submitted my previous company's UAN number to current organization but they created 1 more UAN for me.
  Can I withdraw previous company's EPF contribution now?

  Even I tried to transfer PF after validating all details in previous and current account but getting error "Detail of previous account is different than current one"

  Please help!!! or give me contact detail of EPFO head office / any inquiry office so i can ask them to help me on this

  • Dear Shahid,
    Raise an issue with EPFO Grievance Cell Online.

    • I tried to lodge complain on Grievance cell online but it's giving error every time "Entries marked with * are mandatory".

      FYI : I filled all detail on that Grievance cell.

      -- EPF process must go to private company , life IRCTC manage by TCS then their services will be better --

      • Dear Shahid,
        Better try after some time.

• I am moving to abroad and I want to close my PF account, but they are saying that after 9 years & 8 month of service, it will be rounded of to 10 years & we can’t withdraw Pension amount, they will provide scheme certificate which is redeemable after age of 58 years only.

  Is it possible to escalate matter to higher authority in EPFO office & they can sort this out by allowing me to withdraw pension amount as well ?

  Can anyone guide me in this matter ?

  • Pratik-You can raise an issue with EPFO Grievance Cell Online.

    • Thanks Basavaraj,

      I will check this option and process.

• Hello Sir,

  I left my previous company in December 2015. After I joined new company, I was told that my PF amount will be transferred. They took my old UAN number. recently since everything became online, I logged in to check and I don't find the previous company's contribution.

  Later I realized that there are two UAN Number. Now I want to withdraw the full amount from the previous company. However they are mentioning that I can only transfer and cannot withdraw.

  Kindly let me know how do I withdraw the amount?

  • Sanjay-Yes, you can only transfer.

• Dear Sir,
  Greetings!!!

  I have applied for online advance PF claim, but it has rejected by the EPFO.
  There is no reason mentioned on the portal, how i can know the reason.

  Regards,

  • Suman-Reach to regional EPFO or raise an issue with EPFO Grievance Cell Online.

    • Sir,
      Actually option for advance "construction of house" is enable now that's why I could apply but again they have rejected the claim for insufficient member service.

      I have put on grievance as well but no reply from them,

      anything else what i can do, plz suggest...

      Regards,

      • Suman-Better to wait for their reply.

• Hi,

  I am planning to move abroad permanently and i have read in many blogs that I can withdraw my PF immediately with this reason and it takes approx 15 days to credit my money in my bank account.
  But, the visa office asked me to prove that this PF can be withdrawn at anytime. I went to the PF office but just received a balance certificate.

  Can you please give me the link to Official website or document which explains this process. I need to send them a mail urgently.

  Please help me with this

  Thanks in advance .

  -Nivehs

  • Nivesh-May I know the reason of Visa Office asking this to prove?

    • Actually I have to show that I have sufficient amount of funds with me to immigrate. For this, the funds with me should be liquidated at any time and are free of debts and liabilities.

      As a result I had shown my PF also, as that is acceptable proof of fund for immigration. But the VO mailed me again that he need a proof from PF that the funds can be liquidated anytime I need.

      To respond him, I just need the procedure and timeline to get my fund “while moving abroad permenantly”. If there is any document related to this on the govt or PF websites, I want to provide him with that link and explain him the procedure clearly.

      I hope he will satisfy with my explaination.

      Note: I already got a letter from PF office, but that doesn’t explain anything about my funds liquidity.

      • Nivesh-There is no such specific notification in this regard. Better you file an RTI and get it specific to you.

        • Sure, thank you sir.

          I had also mailed to the my regional PF office. I hope they will get back to me with some info.

        • Hello Nivesh and Basavaraj,

          I am in the same fix. I'll really appreciate if you could answer the following questions

          Did you receive full Employee and Employer share of PF or only 90%?

          How much time did it take for money to arrive in the bank account? How long before the interview with visa officer should I apply for withdrawal from EPFO ?

          I am going to end my employment in April and not joining any other organization hereafter in India. Which reason in any would result in quicker release of funds - On migration from India for permanent settlement abroad or On ceasing to be an employee in any establishment. Does any of these reasons exempt me from paying TDS on my withdrawal even if I've been in service for less than 5 years?

          If TDS will be applicable in my case, I believe it is best for me to apply for withdrawal post March 31st 2018, so I can claim the refund of TDS amount on my tax return for 2018-2019. Am I correct?

          Regards,
          Matt

        • Matt-If your UAN is fully KYC complied then withdrawal may be completed within 10-15 days.

        • Thanks Basavaraj,

          Can you also advice on point # 3 and point # 4. I am unable to get a clear answer on point # 3 specially.

          Nivesh, will wait for your response for point # 1. Please advice.

          Thanks again,
          Matt

        • Murtuza-None of your shared reasons may avoid your TDS. Post March 31st 2018 means you have to file ITR after 31st March 2019. Are you ready to wait for a year?

        • Certainly, as long as I can claim the refund. I am just afraid of losing the money since PF withdrawal will put me in a higher tax bracket when combined with my annual salary income. Rather I'll claim the PF next year when there is no income.

        • Murtuza-It is left with you to decide.

• Hi,

  I'm an NRI currenlty, and my EPF is with previous employers private trust. Its been 3 years I moved out of that company, how do i check and transfer my epf fund to EPFO portal UAN.
  At the moment i don't know how to check balance under private trust.

  • Srinivasan-Knock your employer.

• Hi.

  I joined my first company on 28Aug 2013 and Left that company on 9 Jan 2015
  Then i joined 2nd company on 12Jan 2015 and left that company on 24 April 2015 because of medical reasons
  Then i joined my 3rd company on 15 June 2015 and from then i'm working in this same company.

  Under the clause of continous employment of 5 year for epf withdrawal. Will my 5 year complete in Aug 2018 or Oct 2018. Since i have gap of 2 months in 2nd and 3rd company?

  • Mohit-On Aug 2018

    • Thanks for information.

      And same would be applicable for EPS withdrawal as well. right?
      My current EPF is private establishment.

      • Mohit-YES.

        • Thanks again.

          Apologies. One more question.

          If i take leave without pay till august and i resign after that. Will that be considered under continious employment?

        • Mohit-For EPF the age of account should be 5 years. For tax saving purpose, you want to take a break from job!!!!

        • Hahaha.. yes.
          Actually i'm doing something else and things are in place right now.
          Taxation will be near 30% and thats huge. I'm just trying to save it.

          So when i say age of account. In case of LWP.. my account will still be active and on Full and final settlement something will go into my account. Right?

        • Mohit-Yes, but think and act.

• Dear sir
  I am working in abroad from Novembe 2017 . My uan is active and I haven't withdrawn the amount.
  My question is, am I able to continue contributing to my account by myself.
  If yes Pls guide me.

  Thanks in advance for your valuable reply.
  Pradeep

  • Pradeep-NO.

    • Dear sir

      Shall I keep the amount till I reach the 57 or withdraw it.
      Please suggest me .
      Also is there any scheme for NRI to save in EPF

      Thanks in advance
      Pradeep

      • Pradep-Refer my latest post "Tax on EPF after resign, retire or terminated".