PF Withdrawal

Withdrawing your Provident Fund (PF) is not as straightforward as withdrawing money from a bank account. Many employees encounter unexpected claim rejections, prolonged delays, or missing amounts. If your EPF withdrawal is pending or has been rejected, there is always an underlying cause—and we help identify and resolve it. Relax and enjoy peace of mind while we take care of these challenges on your behalf.

Why Do PF Withdrawals Get Rejected?

✖ Incorrect or mismatched KYC details (Aadhaar, PAN, or bank account information)
✖ Employer approval pending (including issues with unmerged UANs)
✖ Discrepancies in service history records
✖ Employer contributions not deposited
✖ Incorrect selection of PF withdrawal form

PF Transfer

Transferring your Provident Fund (PF) can become complex, particularly when dealing with multiple UANs, unlinked PF accounts, or missing employer contributions. A successful EPF transfer ensures all your funds are consolidated into your latest EPF passbook, reducing the risk of claim rejection.

Common PF Transfer Issues:

✖ Errors in Annexure K details
✖ Employer approvals still pending
✖ Inconsistencies in service history

Understand your eligible withdrawal amount and reduce the chances of PF claim rejection with expert support from our team.

Data Mismatch (Name, Mobile Number, Aadhaar)

When you submit a claim, EPFO carefully verifies all personal details. Any mismatch in your name, date of birth, Aadhaar, PAN, or registered mobile number can result in PF claim rejection. We assist you in correcting all required information to ensure a smooth claim process.

Common Data Mismatch Issues:

✖ Name differences between EPF and Aadhaar/PAN records
✖ Incorrect date of birth linked to your UAN
✖ Mobile number not updated on the EPFO portal
✖ Aadhaar or PAN verification failures

Our team will walk you through the correction process and help you file your claim once all details are accurately updated.

Other Queries

Unsure why your PF withdrawal is still pending? Experiencing delays in EPF transfer, employer-related disputes, or repeated claim rejections? Every Provident Fund case is unique, and we understand how stressful PF-related issues can be.

Whether it involves:

✔ Unclaimed PF balances from previous employment
✔ Complications due to multiple UANs and EPF passbook mismatches
✔ Pending employer verification or Annexure K issues
✔ Confusion regarding EPS pension withdrawal

Our PF specialists are experienced in resolving even the most complex PF-related problems.

Get in touch with us today and receive personalized guidance tailored specifically to your situation.

Frequently Asked Questions on PF and EPF

Checkout FAQs on PF related issues on withdrawal, account transfer issues or KYC issues.

PF Claim Rejections

What should I do if my EPF claim was rejected due to incorrect bank or name details?

If your claim has been rejected because of incorrect bank details or name discrepancies, you must update your bank KYC and personal information on the UAN portal so that all details match accurately. After making the changes, ensure your employer approves the updates before submitting the claim again.

What does it mean if my EPF claim was rejected for a “name mismatch” or a difference in my father’s name?

This rejection usually indicates that your name or your father’s name on the EPF portal does not exactly match the details in your KYC records. To resolve this, submit a joint declaration form along with a detailed written application explaining the reason for the mismatch.

What does the error “PDF not opened, resubmit” mean?

This error indicates that the PDF file you uploaded was either corrupted or could not be read by the EPFO system. To fix this, upload a valid PDF file, ensure it opens correctly before submission, and then resubmit the form.

Why did I receive the message “certificate not signed/enclosed (A/B/C/D/E)” in my EPF claim rejection?

This message means that the required certificate was not attached or properly signed for claims related to special situations such as natural disasters or factory closures. To avoid rejection, make sure the appropriate certificate (A/B/C/D/E) is enclosed while submitting your claim.

Why did my EPF claim rejection state “Settled but returned” or “Multiple PF numbers (claim already settled)”?

Such rejections may occur due to incorrect bank details, an invalid IFSC code, or overlapping balances across multiple PF accounts. Update your bank KYC on the UAN portal and submit a copy of your passbook along with an explanation for any pending balance.

Why was my EPF claim rejected due to “DOJ/DOE does not match company records” or “date of leaving incorrect”?

These rejections happen when the Date of Joining (DOJ) or Date of Exit (DOE) mentioned in EPFO records does not align with the employer’s records. To correct this, submit a joint declaration form signed by you and your employer confirming the correct dates.

What does “contribution not received as per March, June, etc.” mean in my EPF rejection?

This means your employer has not deposited PF contributions for certain months, which prevents EPFO from processing your claim. It is recommended to regularly review your PF passbook and inform your employer immediately about any missing contributions.

Why was my EPF claim rejected for “insufficient service”?

A minimum service period of six months is required to withdraw pension benefits using Form 10C. If your service period is shorter, the pension claim will be rejected; however, you can still withdraw the PF amount using Form 19.

What does the rejection reason “submit form 19 and 10C both” mean?

This rejection indicates that to withdraw both PF and pension amounts, you must submit Form 19 (PF withdrawal) and Form 10C (pension withdrawal) together. Submitting both forms simultaneously helps avoid rejection.

What is “Service Overlapped,” and how can I resolve it?

Service overlap occurs when employment periods overlap in EPFO records, which blocks claim processing. To resolve this, you must visit your local PF office to merge the overlapping periods. After correction, submitting an offline claim is often more effective.

PF Withdrawal

How do I initiate the process to withdraw my EPF balance?

You can start your EPF withdrawal process by logging into the EPFO member portal using your UAN. Select the withdrawal option and complete the required forms as instructed.

What forms do I need to submit for EPF and pension withdrawal?

Form 19 is required to withdraw the EPF amount, while Form 10C is used for pension withdrawal. If you wish to withdraw both PF and pension, submit both forms together to prevent rejection.

How long does it take for an EPF withdrawal request to process?

EPF withdrawal requests are generally processed within 5 to 20 working days from the date of submission. However, timelines may vary depending on verification and approval requirements.

What are the eligibility requirements to withdraw EPF?

You can withdraw your EPF under specific conditions such as unemployment for more than two months, retirement, or partial withdrawals for permitted purposes like education or repayment of a home loan.

Can I withdraw my EPF if I am still employed?

While full withdrawal is not allowed during employment, you can make partial withdrawals for approved reasons such as marriage, education expenses, or medical emergencies.

Is there a minimum period of service required for EPF and pension withdrawals?

There is no minimum service requirement for EPF withdrawal. However, at least six months of service is required to withdraw pension benefits using Form 10C.

How can I check if my employer has submitted all PF contributions before applying for withdrawal?

You can verify this by reviewing your PF passbook on the UAN portal. It is advisable to check it regularly to ensure all monthly contributions are correctly reflected before submitting a withdrawal request.

What documents are required for submitting an offline EPF withdrawal claim?

For offline claims, you must submit the filled withdrawal form, a copy of your bank passbook or a cancelled cheque, identity proof, and a joint declaration form if there are discrepancies in your account details.

PF Account Transfer

How can I transfer my EPF balance from my previous employer to my current employer?

You can initiate the transfer through the EPFO member portal by logging in with your UAN and selecting the “One Member, One EPF Account” option to submit the transfer request.

What is the eligibility criteria for an EPF transfer?

To transfer your EPF, your UAN must be linked to both your old and new PF accounts, and your KYC details (Aadhaar, PAN, and bank account) must be verified and approved.

How long does an EPF transfer usually take?

EPF transfers typically take 20 to 30 days to complete. However, delays may occur if verification from the previous employer takes longer.

What happens if there are discrepancies in my date of joining or leaving between my old and new PF accounts?

Differences in joining or exit dates can cause transfer delays or rejections. You and your employer should submit a joint declaration form to EPFO to correct the discrepancies.

Can I check the status of my EPF transfer online?

Yes, you can track your EPF transfer status on the EPFO portal by selecting the “Track Claim Status” option after logging in with your UAN.

What should I do if my EPF transfer is rejected due to incomplete or incorrect information?

If your transfer request is rejected, review the rejection reason carefully, correct the details on the EPFO portal, and resubmit the request. Updating KYC or submitting missing documents may be required.

Can I transfer my pension balance along with my EPF when switching jobs?

Yes, both EPF and EPS balances can be transferred when changing jobs. You must submit Form 13 to consolidate your pension balance under your new employer.

Do I need my previous employer’s approval for an EPF transfer?

In most cases, direct approval from the previous employer is not required if your UAN is active and KYC details are verified. However, both employers must verify details on the EPFO portal.

What should I do if I have multiple PF accounts across different employers?

You can consolidate all PF accounts under one UAN by submitting transfer requests for each account using the “One Member, One EPF Account” option on the EPFO portal.

Will my old EPF account automatically transfer if I have the same UAN?

No, even if you have the same UAN, you must manually initiate the transfer through the EPFO portal.

KYC Related

Why is KYC mandatory for my EPF account?

KYC is required to verify your identity and banking details, ensuring secure EPF withdrawals, transfers, and other transactions.

How do I update my KYC information on the EPFO portal?

Log in to the EPFO portal using your UAN, go to the “Manage” section, and upload required documents such as Aadhaar, PAN, and bank details for verification.

What documents are accepted for EPF KYC verification?

Accepted KYC documents include Aadhaar, PAN, and bank account details with IFSC code. Additional identity documents such as passport or driving licence may also be used.

How long does it take for my employer to approve KYC details?

After submission, employers usually take 1–2 weeks to verify and approve KYC details, though timelines may differ across organizations.

What should I do if there is a mismatch between my name on the PF portal and my KYC documents?

To correct name mismatches, submit a joint declaration form with supporting documents through your employer or update your KYC details with accurate information.

How can I check if my KYC has been approved for EPF?

Log in to the EPFO portal, navigate to the “Manage” section, and select “KYC” to view the approval status of each document.

Why was my KYC verification rejected on the EPFO portal?

KYC verification may be rejected due to incorrect details, incomplete information, or unclear document uploads. Correct the errors and resubmit for approval.

Can I update my bank details in the EPFO portal if my KYC is already verified?

Yes, bank details can be updated even after KYC verification. However, employer approval is required for the updated bank information.

What happens if my bank account is not verified for KYC in EPF?

If your bank KYC is not verified, EPF withdrawals and transfers may be delayed or rejected. To resolve this, re-upload correct bank details and obtain employer approval.

Will updating KYC details affect my ongoing PF claim or transfer request?

Updating KYC details generally does not impact ongoing claims, but it is recommended to complete KYC updates before initiating new claims to avoid verification issues.