Some companies have formed their own PF trusts to manage the contributions of employees instead of sending them to the EPFO. These companies have obtained an exemption from EPFO to enable them to do this. Hence they are called exempted establishments in EPFO. Private PF trusts function according to the same rules as the EPF and members are allotted UANs (Universal Account Numbers). But passbook of employees of exempted trust is not available on the EPF website/Umang. There are more than 1000 such companies in India large companies like TCS, Wipro, Hindustan Unilever (HUL), Reliance and public sector organisations like Bharat Heavy Electricals (BHEL). This article talks about EPF private trust, How to find if your Company runs EPF trust, Talks about features of EPF Private Trust,EPF Private Trust and UAN, Transfer from EPF Private trust to Unexempted EPFO ie Regional EPFO.
Table of Contents
EPF Trust or EPF Exempted Establishments
As we know the Employees Provident Fund actually consists of EPF, EPS(Employee Pension Scheme) and Insurance EDLIS(Employees Deposit Linked Insurance Scheme). Distribution to EPF,EPS and EDLI remains the same for exempt and unexempt as shown in the table below. Our article Basics of Employee Provident Fund: EPF, EPS, EDLIS explains it in detail.
The Government has permitted employers/companies to establish and manage their own private PF schemes, subject to certain conditions prescribed under the Employees Provident Funds and Miscellaneous Provisions Act, 1952. These trusts are regulated by the Employees’ Provident Fund Organisation (EPFO). These private EPF trusts are required to seek approval under the Income-tax Act, 1961 for employees to get tax benefits. There are over 1,500 private Provident Fund (PF) trusts, with an estimated corpus of Rs 1 lakh crores and a membership of 50 lakh employees, which are managing the accounts as well as retirement fund of their workers. Companies like Infosys,TCS, Accenture have their Private PF Trust.
Employee of Company with EPF Exempted Trust
An employee working in company with EPF Trust has to realise that
- Though the employees of companies with EPF trust are allotted UAN and Provident Fund number or Member Id. They have limited use of UAN website. They cannot do the online withdrawal from UAN website.
- The employees of companies with EPF trust cannot see their passbook on EPF website with PF and Pension amount on the epf website as the employer or Private Trust does not deposit money to EPFO. The Company provides them with this information through payslips, company own website.
- If an employee has an EPF account with exempted or unexempted organization then he can transfer this account to Trust on joining a company with EPF Trust.
- If the employee leaves the company which has EPF trust he needs to withdraw only from the company which maintains the trust.
- If the employee joins another company then he can transfer his PF from EPF trust to another EPF trust or to EPFO depending on his new employer.
Roles and Responsibility of EPF Exempted Trust
EPF Private trusts are formed by firms that manage the provident fund and PF accounts of their workers themselves.The members of these trusts enjoy income tax and other benefits at par with EPFO subscribers. The PF Trust may frame their own rules and regulations for the maintenance of PF accounts but such rules and regulations are supposed to be based on relevant PF rules.
- Such companies who seek exemptions and create EPF Private Trusts are called exempted establishment.
- About 1,500 companies have been granted exemption by EPFO to maintain their own EPF trusts such as Infosys, TCS, BOSTON CONSULTING GROUP (I) PVT LTD
- EPF Trusts opens and maintains PF accounts of the employees.
- The employees of companies with EPF trust are allotted UAN and Provident Fund number or Member Id.
- It has to give interest to the members at rate declared by the EPFO every financial year.
- However, the pension or EPS is payable only by the EPFO. So EPS still needs to be submitted to EPFO.
- EDLI may be continued with EPFO. If the employer provides equal or better benefits, the exemption may be granted in lieu of EDLI also.
- Pays administrative charge of 0.18% instead of regular 1.1 %. This 0.18% charge is to be remitted as inspection charges.
- Issues annual accounts information to the members.
- Disburse the amount of PF accumulations to the members on death, retirement, resignation etc.
- Pay the Deposit Linked Insurance benefits to the members’ nominees in the event of the death of the members.
- Submit periodical returns/report to the EPFO for the accounts maintained by it.
Why do companies go for EPF Private Trust?
- The private EPF Trust seems to be more appealing as money remains with the in-house trust formed by the employer.
- Many of these companies have a large number of employees(ex Infosys, TCS) so it becomes easier and faster for EPF trust to handle settlement of employees claims on retirement/ resignation faster.
EPF Trust and EPF, EPF Contributions
Distribution to EPF,EPS and EDLI remains the same for exempt and unexempt as shown in the table below
| Scheme Name | Employee contribution | Employer contribution |
| Employee provident fund | 12% | 3.67% |
| Employees’ Pension scheme | 0 | 8.33% |
| Employees Deposit linked insurance | 0 | 0.5% |
| EPF Administrative charges | 0 | 1.1% for Unexempt
0.18% for Exempt |
| EDLIS Administrative charges | 0 | 0.01% |
How to find if your company is an exempted trust
You need to find Exemption Status. if Exemption Status is unexempted then your EPF contributions are with Regional EPFO office. If the status is exempted then the EPFO is maintained by a private trust. Our article How to find your employer’s EPFO office and EPFO office Phone Numbers explains it in detail.
- Go to http://www.epfindia.gov.in/
- Click on Our Services->Employers
- Click on Establishment Search
- Find your organization by entering the Establishment code/ name of the office
- Enter Captcha
- Click on Search
- Select your company
- Click View Details on the company
- You will see Validity Status and Establishment Status
- If PF status is exempted as shown in Image below then your EPF money is with your company trust.
Employer Details as per EPFO Validity Status
EPF Private Trust and UAN Number
Just like Employees who are members of unexempt EPF, Employees Registered With Company Managed Private Provident Fund Trust get UAN Number. UAN is a 12 digit single account number which is linked to your provided fund money. It is like PAN number. Please activate your UAN to verify the EPF details.
UAN number can be used while transferring. The process of transferring from/to EPF Private Trust also remains the same as from Unexempted organization. Now you don’t need to worry about different EPF accounts and then transfer them when you join a new job. Now each employer will just give you a member id, and all those member ids will be linked with the same UAN. Our article FAQ on UAN number and Change of Job talks of What is Member Id and how does it differ from UAN number in detail.
Though UAN number is provided employees of EPF Private Trust cannot see there balance/passbook online from UAN official website. Such employees have to depend on their company for providing such details.
EPF Trust, Exempted Establishments, EPF Balance, Passbook
The Passbook which shows that company is depositing EPF and EPS amount is not available on EPF website for employees who work in companies with EPF Trust as shown in the image below. The company provides its own site or information about the contributions to EPF Trust.
No EPF passbook for exempted organization
EPF details of exempted trusts are only available with the employer.
Employees of such exempted establishments can check their EPF balance in the following ways:
- Check your PF slip or payslip: Most big establishments, provide salary slips to their employees via internal emails. Employees can check their payslips for EPF account balance. Some companies also give EPF slip in addition to the salary slip. Employees can find their monthly contributions as well as their EPF account balance in that slip.
- Check the company’s employee portal: Most large companies maintain a company website on which employees can log in and check their EPF account balance in the EPF section. Wipro and TCS are an example of such companies that provide the online facility to check one’s EPF account balance and get PF statement.
- Check with the company’s HR/Payrool department: Employees contact the company’s HR department as it deals with the employees’ PF and is better able to provide the related details.
EPF details of Wipro Exempted Trust
Wipro: employees can view their PF contribution by logging into an internal site called My Wipro -> MyFinancial->Reports->PF
EPF details of TCS Exempted Trust
TCS: In the Ultimatix portal go to my documents column. You can check your PF balance there.
If you leave TCS then you can access TCL Alumni portal, https://www.alumniportal.tcs.com/, You can also download your PF statement from TCS alumni portal. TCS Alumni Portal -> My Documents -> Download Provident Fund Statement
Transfer from/to EPF Private trust
When you change job, your UAN number remains the same but a new Member Id is generated for the new employer. The service details should be reflected in the UAN site.
The image below gives an overview of how to transfer from EPF Private trust(Exempted) to Un-exempted EPF(2a) or From Unexempted EPF to Exempted EPF Trust(1b) or from Exempted to Exempted(3b). The online transfer for PF launched on October 2, 2013, is also available to Private Trusts from Oct 2014. Our article How to Transfer EPF Online on changing jobs explains it in detail.
From Exempted to Unexempted (2a in image below) :
- Apply Online at EPF website, submit the claim to old Employer(with trust).
- You must collect/ensure that you get Annexure-K, Cheque in name of EPFO to the new employer.
- After some days, Check EPF passbook of the new employer.
- You should see the amount transferred in, to passbook with the new employer.
- Now you can track the UAN passbook of new member id for further EPF contributions.
From Unexempted EPF to Exempted EPF Trust(1b in the image below):
- Apply Transfer Online at EPF website,
- submit the claim to new Employer(with trust).
- The new employer should complete the formalities.
- After some days, Check EPF passbook of old employer. You should see the amount transferred out, from passbook with the old employer.
- To track further EPF contributions, you need to contact your new employer with Trust. As new employer is exempted trust your details will not be available at UAN website.
From Exempted EPF to Exempted EPF Trust(3b):
- Apply Online at EPF website,
- submit the claim to old Employer(with trust)
- You must collect/ensure that you get Annexure-K, Cheque in the name of the new company to the new employer.
- Submit the Annexure-K, Cheque to the new employer
- The new employer should complete the formalities and transfer money from old employer.
- To track further EPF contributions, you need to contact your new employer with Trust. As new employer is exempted trust your details will not be available at UAN website.
Transfer to or from Exempted EPF Private Trust to Unexempted EPFO
Transfer of EPF on changing Job from EPF Exempted Trust to Unexempted EPF
-
- Go to the EPFO members’ portal and log in using your UAN and password.
- Verify that all your details are populated in the UAN portal. No missing or incorrect information.
- Verify that your KYC is approved.
- Click on Online Services->Transfer Request.
- The Employee has to get his claim attested by the previous employer (with Exempted Trust).
- A PIN will be generated and sent to the registered mobile number.
- Submit the claim form to the previous employer (with Exempted Trust).
- The employer should approve the request.
- Collect Statement, Annexure K, Letter and Cheque issued to Regional EPFO office
- You can check the status of transfer through your member portal account. You would also get a regular update through SMS.
EPF Private Trusts are like Cooperative Banks
To show an analogy, EPF Trusts are like Cooperative Banks while EPFO is like RBI. A cooperative bank is an institution which is owned by its members. They are the culmination of efforts of people of same professional or other community which have common and shared interests, problems and aspirations. They cater to a services like loans, banking, deposits etc. like commercial banks but widely differ in their values and governance structures. They are usually democratic set-ups where the board of members are democratically elected with each member entitled to one vote each. In India, they are supervised and controlled by the official banking authorities and thus have to abide by the banking regulations prevalent in the country, RBI in India.
Now think of EPFO in place of RBI and EPF Private Trust in place of the cooperative bank.
Video on What are EPF Trust of EPF Exempted Establishment
This 9-minute video talks about, What is PF trust? 2. Is there any difference between members of EPFO and members of PF trust? 3. How to withdraw money from PF trust of a company? 4. How to transfer PF trust money to another company, EPFO? 5. How check PF Trust balance?
Video on How to transfer EPF Trust of EPF Exempted Establishment
This 8-minute video talks about how to transfer from EPF trust, what documents you need to collect. Remember you need to contact your old employer as your EPF contributions are with the EPF trust and not EPFO.
EPFO and EPF Trust
These trusts are regulated by the Employees’ Provident Fund Organisation (EPFO).
Retirement fund body EPFO has made it mandatory for private provident fund trusts to file their returns online every month from April 2014 to improve the monitoring of these employers. In the e-return, the trusts provide information about employment in their organisation, contribution towards social security schemes, investments of funds, audit, financial statement and financial health of the trust. The EPF website has information about the Exempted Establishments.
EPF Website provides information about Exempted Establishments as shown in the image below.
EPF website and Exempted Establishments
Companies with private EPF trusts are evaluated periodically on six parameters (100 points for each), such as: full and timely monthly remittances of EPF accumulations to the private trust; transfer of funds — for example on exit of employees; efficacy of making investments, the rate of return and settlement of claims and audit of the private trust’s accounts. he EPFO website has already put up the ranking of 1,552 companies for Dec 2017, with many firms getting a perfect score of 600. The image shows the excerpt from PerformaEvaluationtion of Exempted establishments
EPFO evaluation of exempted establishments
Overview of EPF and Types of EPF Funds
Employee Provident Fund (EPF) is implemented by the Employees Provident Fund Organisation (EPFO) of India. An establishment with 20 or more workers working in any one of the 180+ industries ( given here) should register with EPFO. Typically 12% of the Basic, DA, and cash value of food allowances has to be contributed to the EPF account. EPFO is a statutory body of the Indian Government under Labour and Employment Ministry. It is one of the largest social security organisations in the world in terms of members and volume of financial transactions undertaken.
As per the Employees’ Provident Fund & Miscellaneous Provisions Act 1952, those establishments that recruits 20 or more employees have to covered under the EPFO act and they have to deduct 12% contribution from Employees wages/salary(Basic+DA+retaining allowances if any) on monthly basis and it has to be remitted to EPF fund along with employer equal share.
What is the meaning of Statutory?
Statutory means controlled or determined by a law or rule.The difference is between statutory and legal. If something is legal, it is allowed by the law, whereas if it is statutory, it is regulated by law. It is easier to understand if one looks at the what is not legal or Statutory. If something is not legal, the law says you can’t do it. If something is not statutory, there are no laws regulating it. Example of Statutory warning is : Cigarette Smoking is Injurious to Health
What is the meaning of exempt?
Exempt means free from an obligation, duty, or liability to which others are subject.
Types of EPF Funds
For an employer, there are three ways he can contribute to Provident Fund of his Employees if the number of employees is more than 10.
- One is to save in an un-exempt fund like the EPF under the EPFO. Un-exempted firms are those firms which maintain the PF accounts of their workers with EPFO. There are over five crore active subscribers whose accounts are being managed by EPFO.
- Save in a company-run exempt fund, EPF Private Trust, recognised by the EPFO and which pays at least the same interest as the EPF. EPF Trust has to do the duties and responsibilities like EPFO. EPF Private trusts are formed by firms that manage the money and accounts of their workers themselves and have an exemption from filing PF returns. The members of these trusts enjoy income tax and other benefits at par with EPFO subscribers. Such establishments who seek exemptions and create EPF Private Trusts are called exempted establishment. However, the pension is payable only by the EPFO.
- Put money in a company-run excluded fund, which is not EPFO regulated, but is set up with approval from the resident income tax commissioner. This type of fund looks after all investments and fund management itself and is self-regulated.
How to start EPF Private Trust?
The organization has to make an application to the Government, through the jurisdictional Regional Provident Fund Commissioner, to exempt it from the operation of the statutory provident fund scheme. The permission to companies to run their own PF scheme is however subject to a number of conditions. One of the important conditions relates to guaranteeing a rate of return on PF accumulations at par with the statutory scheme. If the government is satisfied that the benefits provided to the employees under the private provident fund scheme are, on the whole, not less favourable than the benefits provided in the statutory scheme, then it may permit the entity to run its own scheme instead of the statutory scheme. The EPF exemption requirements can be read at EPF page.
A private scheme can be formulated either for all the employees of the company or for a specified class of employees (e.g. managerial staff) .The organization is required to create a board of trustees for governance of the PF scheme and to ensure an arm’s length transactions between the entity and the trust. The entity is also liable to make good any loss caused to the trust by fraud, defalcation, wrong investment etc. The entity has to pay only an inspection charge of 0.18% of wages rather than the administrative charges of 1.10% of the wages. Therefore, there is a cost saving of 0.92% of the wages. Multiple units of an entity can also participate in a common provident fund trust.
Related Articles:
All About EPF,EPS,EDLIS, Employee Provident Fund
Have you worked in company with EPF Trust? Did you transfer from EPF Trust to Unexempted organization or from Unexempted Company to EPF Trust? How was your experience?
Regarding PF Transfer Exempted to Unexempted, I got Annexure-K uploaded in EPFO Portal but PF Passbook(EPFO) still not showing details of transfer.
New Employer asking Annexure-K along with Neft Details but I don’t have NEFT details nor Old Company or EPFO giving me NEFT Details
You can file an EPF complaint as explained in the article http://bemoneyaware.com/epf-grievance-complaint-online/
Urgent help needed. I had worked in State Bank of India and now joining a Private company. I tried to find UAN number from SBI PF dept but they say UAN number not generated, only PF number is available. Can you pls confirm if organizations like SBI who maintain their own PF monies, also generate UAN numbers? I have only the PF number printed on my salary slips & PF account statements from SBI.
I have previously worked in TCS and after resigning ,i have withdrawn my EPF aount. They have given me an UAN number. Now ,I applied for a PSU and i havent mentioned my previous experience.
Can I get a New UAN number from my new employer ,.Will the new come to know my previous experience
Dear Sir
I have worked below three companies-
HCL Infosystems LTD : 01.11.2010 to 31.01.2018
Prograssive Infotech LTD : 26.04.18 to 08.05.18
Ambit Swithgear LtD : 11.05.18 to 06.06.18
after that current company not deduct any PF i have transfer all previous 10c amount in my last company. but when i applied my 10c epfo reject due to short service they count my last company period 11.05.18 to 06.06.18. sir please suggest how i can apply so i can withdraw my PF
As you have not transferred the account, each of them is independent.
So EPFO does not add the services.
You need to transfer all accounts to one account and then apply to EPF.
Process is explained in our article How to Transfer EPF Online on changing jobs
Are you still working?
Hello Sir,
I am following with my previous employer (Cisco) to transfer funds which has exempted trust to my current PF account (non exempted). They are not transferring the amount and every time, asking me to submit form 13 again. I have submitted form 13 multiple time. Is there a way I can complain against them? Is there a way to do it online?
Please file EPF grievance as explained in the article How to register EPF complaint at EPF Grievance website online
and send the details to your
Hi thanks for this article.
Am a student pursuing my post graduation and for my final year project , I have opted provident fund. And the title is ” A study on tax implications and compliances of employees provident fund”.
I was asked to take up my project in Berger paints India limited , which is actually maintaining its own provident fund trust.
Due to this corona pandemic am not able to visit the company and the manager there is now not ready to share information on how their company maintains provident fund trust. I am not able to gather any information and this topic itself is very unfamiliar to me to analyze.
Could you please help me out for framing common questionnaire for my project. I literally have no idea about this and not able to gather any information.
Please help!!
Sure, we would love to help.
What kind of questionnaire do you have in mind?
How many questions?
Can you tell us what you understand of Exempted Trust?
Thank you for the response!
As my topic is completely on tax , i wanted to know, what are the tax benefits that the company gets with respect to provident fund. especially provident fund trusts. and i need to frame my survey questions only related to tax. as tax savings is confidential information in the companies for outsiders , am finding difficulty in gathering tax related information. at least 20 questions are required for my further analysis.
so, can you please share how the company gets benefit with respect to tax.
and with regard to understanding of the trusts your blog helped me. may be not 100% but atleast now i have got an idea about the private trust.
Sir I am working in Reliance Retail and my current PF is in Trust and i did not transferred by old PF to Current company Pf. Now i want to withdraw the amount but in EPFO portal when raise request it says you have submit the request to your trust.
is there any way to withdraw old company PF amount from old PF account. or i need to transfer first old pf amount to new pf amount.
Hi Ashish sir,
I was a member of exempted pf trust L&T,for 4.5 yers( from February 14 to July 18),i initiated pf transfer process to my present company,but my pf amount has not been accumulated,and same amount was retain with that exempted trust of Larsen & Toubro since last 1.5 years,total amount is around 15 lakhs,my question is that who will give the interest on this huge amount,LnT is denying to pay interest,they reply that we do not give interest from the period you resign,
Are they really exmpted to give interest on pf accumulations just after resignation???(as far as I know members are liable to get interest upto 3 years/)
Second thing my job was on contract basis,after 4.5 years they given me notice to cease the contract,when i asked to withdraw pf they said tds will be applicable of around 365000/-.
I agree that i have not completed 5 years of continues service but i am not responsible for this as LnT has terminated the contract which is beyond my limit and i had not given resignation then
why TDS is applicable in my case???
Please advise
I mentioned the name of that trust because I have all evidence in form of mail, letters , annexure K etc.
One gets PF interest till one withdraws. You can tell them you will be complain to EPFO.
Well, the company is justified about TDS but TDS is on withdrawal and not on transfer.
If you transfer your PF to the current employer and contribute for 6 more months then you would meet 5 years limit
hi, i have worked in PSU for 4.8 years, it has own trust at the time of leaving i have opted for withdrawal of amount, tds was deducted and paid balance. Later i joined in another company , it has its own trust, where i worked for 4 years. now i am going abroad, when i applied for PF withdrawal at new company they informed me that they will deduct TDS, mentioning that i dont have service of 5 years in this company.
My question is, eventhough i didnt work in new company for 5 years, i have over all continuous experience of 8.8 Years, in that case why should employer should deduct TDS ?
When you withdraw your pension amount the number of years of work is reset.
So the company is justified in deducting TDS.
The only way to get years of the earlier job is to transfer the earlier EPF to new company
hi , i have make my pf transfer from my previous account new trust-owned account, as it shows that amount is transferred but approved amount shows rs 0,can someone suggest
hi , i was working with a company in Delhi , which have a private PF trust . I have left that organization and Its been 52 days and still i have not got my Pf withdrawal and they are not providing any information about the same as well. I would appreciate if you could guide me how to withdraw that money as the company is not supporting me in the same.
With trust sadly, the control is in the company’s hand.
You can file a complaint in EPF office as explained in the article here http://bemoneyaware.com/epf-grievance-complaint-online/
Thank you so much for all the information: Your information of transfer of PF from one kind of an account to the another is limited to individuals. But my question is what kind of a step wise procedure would a company need to imply to change their PF preference from a PF Trust to the EPFO. They don’t want to be an exempted company any longer and want to put the employee PF funds into the EPO. Will be grateful if you could please through some light on this.
It is best to consult an EPFO adviser.
You can Check out Labour Law Advisor, esipfadvisor.com
Thanku for this information, but i want to know that i had submitted pf transferring request online from previous organization trust to present organization epfo account.
After that i have received email along with Annexure k and statement from previous organization. But cheque transfer directly to my present organization and current employer are saying they already submitted cheque Epfo office.
But i have yet not received any PF amount of previous trust and I live in Delhi and my organization vendor office is mumbai.
So please assist to advise how can i transfer my pf amount. Can i submit Annexure and bank statement in Delhi local officer?
For migrating in-house EPF Trusts to the RPFC, tell us the procedure to follow.
If any research documents, PPTs, process workflow, EPFO’s guidelines, circulars issued, indicative timelines, information checklist, questionnaires etc. for the transfer of in-house EPF Trust to RPFC, request if you could share that with us.
Thanks for a very informative article, especially since I was searching for one in relation to my case. I will be thankful if you could throw light on that as well.
I was earlier working in an organisation, which maintained an Exempted PF Trust (Call it Company A). My EPF amount was transferred to this new organisation’s PF Trust, when I joined them. I left this Company A after serving for two years, and joined another organisation (Call it Company B) which had account in EPFO. So, I got a new UAN.
Company A transferred my amount to Company B, after one year of my leaving them. However, they did not pay me any interest for this period, stating that as per their PF Trust rules, no interest would be paid after the date of leaving (though the Trust kept earning interest on my amount of Rs 13.98 lakhs). The amount sent to Company B has still not been credited by the Regional EPF Office into my EPF Account stating that the Company A has not provided the details of their Establishment Code/Registration Number. The same has been asked for from Company A, but the details are still not forthcoming. Surprisingly, the name of Company A does not feature in the list of Exempted PF Trusts as shown on the EPFO website.
So, please guide me as to how to get my interest for the period of one year for which my amount was lying with the Company A, and also how to get my amount credited in the EPF Account athe Regional PF Office by Company B.
I will be extremely thankful.
Talk to company A and try to talk to them why they are doing so?
tell them that you will contact senior officials, raise a complaint with EPFO and also raise it on their social media account.
Thank you very much for your reply.
I have been writing to Company A.
For the non payment of interest part, they are quoting their PF Trust rules, which I feel are not correct and not in sync with the EPFO guidelines. What are your views on this aspect. I have even kept their higher responsible organisation (which happens to be RBI in this case) in picture, but even they have not responded in a manner to rectify this aberration.
I would like to thus raise a complaint to EPFO. Would seek your guidance as to whom to approach in this regard. Had tried to approach the office 0f the Regional PFC, but they also wanted to know the Establishment Code/Registration Number of the Company, which I do not have. How do I work around this information gap?
Please guide. I will be extremely thankful.
Please use the following search engine, to know the establsihment PF number:-
https://unifiedportal-epfo.epfindia.gov.in/publicPortal/no-auth/misReport/home/loadEstSearchHome
To register a compliant the following EPFO link is helpful:-
https://epfigms.gov.in/Grievance/GrievanceMaster
Sir presently I am working in a company which has private trust for pf if i resign the job and with draw all the pf amount will my service details will removed from epfo site or will it be there if i withdraw pf
I want to hide previous employment history in epfo any suggestions
I have UAN as well which is linked to aadhar.
If it is linked to UAN then you cannot hide your service details.
We would recommend you not to hide your earlier company details as sooner or later it will come out.
Most employers do check on the employee
Hi, I had PF account with Trust, however they are making me to wait since 3 months for withdrawal, earlier they said it would be transferred to current PF, as previous one was not adhar linked they told me to raise offline transfer request, i have done and send them documents, they dont reply properly , please suggest what can be done as i feel that if i escalate or raise grievance against the firm they might further delay it intentionally .
Sad to hear about it.
But in this case better to be calm and wait.
You can indirectly tell them that you will file complaint with EPFO if there are delays.
Is your current PF an exempted trust?
Hello,
Good Article. I have my pf account in PF trust with my Ex-company(HCL). How to link or transfer to my EPF account? I have my UAN account with credentials. Unfortunately i do not have any contact mail id/phone number to reach them, as I am out of India currently. Any input would be greatly helpful.
Is it HCL Technologies in Noida?
mail them pfhelpdesk@hcl.com.
they will provide a link fill application online.
Hi ,
i am amit malgani i want withdrawal my pf amount this is trust amount my reliance telecom has shutdown company kindlly please guide how i withdrwal process threw manually and online process iam facing issue threw withdrawal online since 2 yrs .kindlly team plz support
Thank you for article.
I moved to organization which has PF Trust, So it is beneficial to transfer old EPF amount from previous employer to this Trust. If No, Is it fine if I withdraw amount after 1 year.
Thanks.
Sir,
I have retired from the Bank on 31.03.2018 and till date I have not received my PF. The bank is maintaining the Provident Fund Trust Account with them. I have requested the Trustees of the Bank, Managing Director, Chairman but nobody is ready to give me the positive reply that when they are giving me the Provident Fund Amount. Sir, were I have to complaint regarding this matter.
Hi
I am leaving my company to move outside India. My current company is India has a private EPF trust. I dont want to withdraw money, however company says you cannot continue account with us after employment.
Can I transfer account to EPFO in this case.
You can withdraw the amount or leave it for interest.
When you came back to India, you can transfer it to newly joined company or else withdraw the amount. Pls. ensure that Date of exit should be entered by your employer as early as possible after you left the company. In case the company shuts down in the future, you have to submit the claims offline with attestation.
Hi,
I have applied online for PF transfer from my previous organization HCL (PF A/C No. held by Trust) to current organization CTS (PF A/C No. held by : RO CHENNAI) and now i am able to see the status as ‘accepted by the field officer’ and ‘Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-GNG******** Member id-GNGG******** your claim has been settled.
I am not sure what is the meaning of this status. If amount had been settled to my current PF account then where can i see the Old PF amount in my current PF account. Because i am unable to see old pf amount in my new pf account. Kindly help
Please raise complaint as explained in the articleHow to register EPF complaint at EPF Grievance website online
Hi,
My previous PF was maintained by EPFO but my current employer have its own trust. I haven’t transfered my previous pf balance to current pf trust. Is my epfo blance earning intrest or not?
Is it mandatory to transfer pf account from previous employer to current employer as I have same UAN? Please help.
Thanks
Check your passbook.
Both should have a transfer in/out amount.
Else raise the complaint with EPFO at How to register EPF complaint at EPF Grievance website online
The claim for transfer is settled but not pf amount i.e. only the service details relating to EPS is transferred to the current employment
It seems that your claim has been settled. Check passbook for clarity.One of the PF accounts becomes zero.
hi, is your issue resolved? i am also facing the same issue, transfer claim is settled but the approved amount is showing as ZERO and the passbook is not reflected. How long we need to wait to have the passbook is updated with the transfered amount. please share your experience.
old Passbook should transfer out and
new passbook should show transfer in as shown in the images in the article here http://bemoneyaware.com/transfer-epf-online-changing-jobs/#UAN_passbook_after_the_transfer
Are you transferring from/to an exempted trust?
Download the Annexure-K in that case.
Hi Sir,
I worked in HP from 2005. The ES services got merged with CSC and while leaving the organization it was under new Logo DXC.
I resigned from DXC during May with experience of 13 years. I would like to withdraw my PF amount rather transferring to new company. Will I be deducted any amount for withdrawal? Please advice
No, as you have worked for more than 5 years no TAX would be deducted.
Hi
I was working for DXC .I resigned in the month of March 2019 and filled the PF withdrawal form on May 2019. On 19th July i got the PF amount which is way less than (Rs 70000 less )what my PF balance shows . Why there is such a huge discrepancy? Is there any fraudulent activity going on ? Are these trusts running scam?
What should i do to get my hard earned money?
You can raise the grievance in EPF site http://bemoneyaware.com/epf-grievance-complaint-online/
Questions we have for you are:
-How many years did you contribute to EPF more than 5 years
-If it is less than 5 years was PAN linked to UAN?(then TDS gets deducted @30%)
-Did you work in many companies and if yes did you transfer your old account to new.?
You can send your UAN passbook details to our email id bemoneyaware@gmail.com if you want us to look into it
Thank you for the reply.
I was there for 3 years.
Yes PAN was linked to UAN.
I did work in many companies however, after leaving the previous employer i had withdrawn my PF and i got the full amount . Nothing was deducted. My money was with EPF and i could see it in the UAN password. I had no issues after i left the organization.
Hi JHUMUR,
My name is Pravina ,I have worked in DXC from 2015 may till oct 25th 2018.I want to withdraw my PF amount.Please let me know what all we need to withdraw it.
Hi
My previous employer was with Private trust and my current employer is with EPFO. I initated the transfer from Trust to EPFO by submitting Form13 in Dec 2018. When I contacted my previous employer, they said they have released from their end. But, I still do not see it as updated in UAN portal. Also, I tried the SMS service and missed call service to see the balance, it is showing only the current employer balance. For the previous employer, they are saying it is pertained to trust, so service not available.
Its been 5 months, how do I know if the amount is transferred?
Thanks
Judz
I exactly have the same problem. I have the annexure K from my old employer(who had a trust). The transfer was done in May 2018. Till date, the amount is not reflected in my current PF account, which is with EPFO. I am following it up with my current employer on a regular basis.
thanks,
Reema
Check the current pf account no. In the annexure k. Get the cheque details from the pf trust and approach the epfo
Check the current pf account no. In the annexure k. Get the cheque details from the pf trust and approach the epfo
My previous employer was EPFO trust and my current employer having Private Trust. I have transferred my fund from epfo to private pf trust(my present employer).
My present employer (private trust) asking for annexure k, i have raised grievance but epfo is not providing annexure k copy. How to get annexure k copy.?
Ask your previous employer.
You can also raise EPF grievance at the EPF grievance website as explained in our article How to register EPF complaint at EPF Grievance website online
Did you do it by submitting form 13?
Hi
My total experience is close to 3 yrs Now. Recently I joined a new company B. My first company A was managing PF via EPFO. Now my new company has a pf trust. Now I wanted to take loan from my Pf money. I’m yet to transfer my pf amount from company A to B.
Is there any chance I’m eligible to withdraw or take loan from my Pf amount?
Pls do reply ASAP
Hi,
I worked for 4 years in a company which had it’s own trust for pf. Now i have joined another company which doesn’t have that.
I have transferred my epf to the epfo account. It is getting reflected in my passbook but eps contribution still shows 0.
1. How do i know if my previous employer has transferred the eps amount as well?
2. If they have then What if I withdraw epf online now, the eps will also get withdraw?
EPS will show 0 only as at the time of retirement the pension gets calculated on the basis of salary.
can you tell how much time does it took to transfer money from epf trust to epfo.
I was leave reliance communications in 2012 , still my PF not recieved,now how can I withdraw my PF from Reliance Communications, there is no UAN no updated in that organication, kindly help me to get my PF withdrawl and provide me the procedure.
Dear Ashish,
First thing first no organisation can ever deny PF money to an employee either working or resigned. And second thing it took you 7 years for withdrawal very surprising so definitely there must be few hidden bites in the story. Any ways lets resolve your query .
As per your query you left organisation in 2012 back then UAN was not in serious existence people had PF number instead. Check your old companies Payslip, your PF no. must be mentioned. Visit your nearest PFO office and meet the designated In charge discuss the case with him with proofs of identity and communications made with old organisation against PF withdrawal. Please make 2-3 sets of all emails,letters, salary slips, and documents related to your employment in previous organisation. this will surely help your cause and if this doesn’t then get in touch with Labour commissioner of your district and file a case in Labour Court.
I recently saw that my current employer is contributing 1250 towards EPS. Why is that? I never opted for this. I started my job in 2015 (i.e. after September 2014 ) and then changed job to current employer in 2016 hence it is not mandatory for me to have a EPS account.
I really do not want any deduction towards EPS. I want all the money in EPF account.
-What are the options that I have now?
-Why my current employer started EPS deduction? ( I have seen other employees in my team who do not have this EPS deduction)
-From what I have read, I feel there is no option to stop EPS deductions now, but only option is to get Certificate from Previous Employer. What are the steps to get that?
Hi,
I was working with a company for 4.5 years from Dec 2013 to 2018 April and the PF was exempted. Then i moved to a company where the PF is handled as a trust. I did not transfer my earlier PF to this trust as i wasnt sure about it. Now i am moving to another company which is unexempted. So can i transfer my PF from the Trust to the current unexempted one and what about the earlier PF? Should i transfer that as well?
As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.
How do I withdraw my PF balance??
Please help me
I was working with a company for the period 2011 to 2017 and the PF Money was deposited in the Private trust of the company. The money was not transferred to my EPFO office after I moved to another company, even after submitting all forms.
I am working with another company from 2017 to date, and I dont want the money to be transferred to EPF office, but wants to withdraw from the trust now.
Is this allowed as per Law, or tax involved. Please clarify.
Theoretically one should not withdraw EPF money as it is ballparked for retirement.
You should transfer it so that compounding can do magic.
But if you want to withdraw you can.
As you have contributed for more than 5 years EPF withdrawal is tax-free.
Hello,
I need advise on somebody who has knowledge on this, i am in deep trouble as i am not able to withdraw money from my pf account.
i left my 1st company A aand joined B comapny on 4th may 2018 and filled my form 13 on the DOJ, later i was not comfortable with my team so i decided to leave the company and joined another company C on 18 of june without any notice to B.
Now since i had filled form 13, my pf from A was transferred to B.
the problem is B has put my DOE as 4 july 2018. Now my pf amount from A, which is a lot of money as i used to add VPF monthly.
now iam not able to do anything with my pf, i am in urgent need of my own money but stuck in this loop.
B DOJ – 4th may 2018
B DOE – 4th july 2018
current C DOJ – 18 june 2018.
Please help me, any kind of help will be appreciated.
awaiting your response.
Thanks,
Neeti
Has there been any EPF contribution in June and July from Company B?
Yes they have contributed in the month of june.
thnkd
Hi,
I was going through your concern couldn’t actually understand what actually it was. But let me just pin point a few that i think are there:
1) You were employed in 2 organisation at one point of time as per PF data.
2) You did not resign from Organisation B but were absconding.
3) If you were absconding how DOE got mentioned in your account. Did you later requested your organisation to do so?
Please Get in touch (ashish.aries.17.4@gmail.com) i think we can solve this.
Regards,
Ashish.
I was working with TCS and intiated the transfer request from my current organisaton but did see any update.after two years i am getting an email from TCS that your PF account is unsettled could you please transfer or withdraw the amount.
So i have submited the withdrawal request using alummin portal.
I randomly checked the claim status using EPFO website it says that your TCS member id is settled.
With the below remark . How can i confirm if the account was transfered at the tym when i raised the transfer request. if it was settled then why am i reciveing the email to settle the account.
Remark:
Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-MHBAN180500045710 Member id-MHBAN00484750000387231 your claim has been settled.
Can someone please explain me i am so confused as i have already left that particular orgaonisation.
You can Raise EPF grievance as explained in the article How to register EPF complaint at EPF Grievance website online
Check your EPF passbook. Does it shown in the transfer amount?
hi team
i recently made a switch from my un- extempted to extempted pf account. is it possible to withdraw my pf in my previous organization? i have raised a claim request within 54 days .will my claim get approved? pls confirm.
Hi,
I have opted for PF transfer and submitted form 13 by filling all necessary details. Now while checking for claim status, it says as rejected due
“Claim-Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-XXXXXXXXXXX Member id-XXXXXXXXXX has been rejected due to :- DATE OF JOINING IS GIVEN AS 19.12.2011, CONTRIBUTIONS RECEIVED FROM 01/2012(PAID IN 02/2012) CLARIFY/OK”. But my joining date with my previous firm was on 19 Dec 2011 only. I really which date I need to mention while submitting the form. Please advise.
It seems that they are not paid the amount of 10-11 days PF amount pertaining to Dec month.
As admin said, you may contact your employer for the change of date of joining the PF employer portal or else they will pay the differential amount to PF trust or they may consider it as probation (with proper explanation)
Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to contact your employer.
My UAN account showing like this please suggest me what to do next
Details of your EPF contribution are with the company where you are working/worked and which is exempted establishment.
Please contact your employer. Every company has its own way to provide EPF informatiom
Contact your payroll department.
Big companies like TCS, Infosys, Wipro have internal websites where one can find this info.
I worked for Company with PF trust moved to Non-trust company. I initiated the transfer process on 29 Oct 18. Today (31 Jan 19) I received the transfer acknowledge letter from PF office through my present employer. The letter says, the transfer is approved by trust on 9 Nov 18. and copy of cheque dated 9 Nov 18, from trust to PF office is attached.
But the money is not transfered to my present account. I checked with My HR and they say it will take up to 90 days from Cheque date for the PF office to credit the amount in my account. Fingers crossed.
The process was smooth but, I needed to follow up several times with previous employer (trust). One bad thing is, you cannot track the progress. It is not considered as completed till the present passbook is updated with transfer.
I will update this post once my transfer is complete.
Thanks for sharing your experience.
Any work of Govt department is still slow and painful even in this age of digital India
Hi Nedungilli,
Can u please update the status of your claim. have u got money in your present account after 90 days?My case is also same as yours.
Yes, I received the amount after 300 days
I am working with an NGO which maintain its PF with exempted Trust. (Provident Fund Trust A/c) . It deduct 10% from the employee and put 10% as employer contribution. Not providing the Pension scheme. I have more than 20 years service with the organization. If I want to join the pension scheme what is the formalities.
I have initiated PF transfer. It is showing as amount approved but the status is showing as not applicable.
PARA DETAILS Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)
TOTAL AMOUNT APPROVED xxxxx
DISPATCH DATE N/A
CLAIM STATUS Status Not Available
Did you check your EPF passbook? Does it show amount transferred?
Also check bank details are correct?
As explained in the article After EPF Withdrawal : Claim Status, How Many Days To Get PF Amount
Hello Sir,
My current organization is a PF trust and previous organization is unexempted.For PF transfer i have submitted hard copy of form-13 to my current organization and they have forwarded same to Regional PF office. Do i need to contact my previous organization as well in that case, as they are telling that their involvement is not required it will be handled at EPFO office.
No Vaibhav you don’t need to contact the previous organization as it was unexempted.
If and when you leave current organization which has PF trust then to transfer you need to contact this organization only.
Dear Sir
I am an ex-employee. My company head office is at Mumbai. I left the organization 4 yrs back. I have shifted my PF account to the next organization where I am working. Right now few month back I have changed my job. But I am not able to withdraw or close my pf account activated with my 1st organization. I can see my online pass book and my UAN also. But when i click on withdraw option i am getting message “As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.”
Can any one guide me the process for withdrawing my old PF.
How are sure that first organization PF has been transferred.
As in exempted trust money is not with the EPFO you need to approach your old employer which has exempted trust to withdraw.
Hi
My previous organisation has exempted PF Trust and my accumulated PF contribution was lying with its PF Trust. Since there is no contribution now my PF account becomes inoperative and they have stopped giving the interest in my PF account after three years on the pretext that their PF trust rules don’t have provisions to give interest after three years.
2. It is understood that the private PF Trust may frame their own rules and regulations for the maintenance of PF accounts, but such rules and regulations are supposed to be based on EPFO rules. As per recent Government notification, now PF account will fetch the regular interest up to the age of 58 years, whether member contribute to it or keep it idle. Since the new rules allow credit of interest into an inoperative PF account, such rules should mutatis mutandis apply to all other exempted PF trusts as it these private Trusts are regulated by the Employees’ Provident Fund Organisation (EPFO).
3. May please through some light on my above views
Yes, you are right.
You can raise a complaint against the employer to Regional EPFO office as explained in the article here.
Dear Sir,
I was working with a company named DENSO which had an exempted PF trust and subsequently joined an new organization that had PF with EPFO Gurgaon.
Could you please guide how I can transfer my total PF amount from Trust to EPFO?
Regards,
Mohan Gupta
You must contact your previous employer for transfer as your company has exempted trust.
The process of online transfer is explained in our article How to Transfer EPF Online on changing jobs and is also given here
Go to the EPFO members’ portal and log in using your UAN and password.
Verify that all your details are populated in the UAN portal. No missing or incorrect information.
Verify that your KYC is approved.
Please check that your Bank Account Number, IFSC code is correct.
Click on Online Services->One Member One EPF (Transfer Request).
The Employee has to get his claim attested by the current or the previous employer.
Hello,
I work for the company managing their own trust for EPF. I get an annual slip for EPF per year which looks like this – https://snag.gy/ot3HCe.jpg
The slip does not bear any EPS number but does bear EPF no given by trust. So my EPS is 1250. But there is not dedicated column for EPS or EPS number mentioned on a slip. How do I verify if my EPS is really getting credited to my account?
My previous employer has provident fund under epfo. My present employer has private trust.
I have raised request online epf transfer from previous employer to present employer by online.
Claim Status is displayed as settled and sent by Neft 13-4-2018 .
But in my present employer pf statement, the amount is not credited.
Can you help me on this
Hi, I worked in a MNC for 10+ years and left the company and took a break in my career for around 3 years. While coming out i withdrew my PF amt. As i have completed 10 years my EPS amt could not be withdrawn and i have not collected my scheme certificate. Now after 3 years i have joined another company and a new PF acct has been opened. Now how do i get to know the old EPS amount and how to link both EPS. Please guide. I am unable to see the old EPF/EPS details in the Govt of India PF website.
Hi,
for PF balance you need to know your UAN. Ask your old company for UAN and get in touch with your current organization for transfer your PF to your current company.
Regards
Debraj
Hi,
I have withdrawn my PF amt while leaving the company. But i did not collect my EPS amount/scheme certificate. While logging into PF website using UAN i am able to see only the current company details. I can see the previous company PF no but i am unable to retrieve the statement. I would need my scheme certificate from the previous PF details. How can i get it?
Dear Sir,
I left my previous company after completed three years and joined a new company, on UAN portal my old company also updated my last working date, however present company is a trust and now i see both the companies on the UAN Portal.
Last company has update the last working day on the UAN portal.
Both the companies I can see on same on UAN number.
Can you please let me know a way to withdraw the old PF amount ?
It’s very urgent.
Is your old EPF account transferred to new trust?
If not, which I guess should be the case,
try doing the online withdrawal as explained in the article Online EPF Withdrawal: How to do Full or Partial EPF
Dear Sir,
Old PF balance have not yet transferred to new trust PF account.
So, can i withdraw the old 100% pf balance?
Regards,
Jit Mondal
Hi,
If you are not working any organization or presently if you are not PF member then you can apply for PF withdrawal.
Regards
Debraj
Hi, I need some guidance with regards transfer of my PF from one employer to another. My past employer maintained a private trust and current employer too maintains a trust for PF. Hence my transfer cannot be done online. But in this case, can you guide me what steps i should follow to get the money transferred.
Also, I would like to know how to go about for EPS and the employee linked Insurance.
Thanks in advance.
Dear Sir,
I left my previous company and joined a new company, on UAN portal my old company also updated my last working date, however present company is a trust and now i see both the companies on the UAN Portal, Because of this now I am not able to withdraw the PF amount, can you please let me know a way to withdraw the PF amount.Last company has update the last working day on the UAN portal 1 day ago.
Both the companies I can see on same on UAN number.
This is the error message i see
As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.”
Option 1:you can submit your withdrawal case to your old company and get PF encashment
Option2:Transfer Old company’s PF to your current company’s PF Account through Member portal Login.
Dear Sir,
I left my previous company and joined a new company,old company PF goes to PF office. On UAN portal my old company also updated my last working date, however present company is a trust and now i see both the companies on the UAN Portal, Because of this now I am not able to withdraw the PF amount, can you please let me know a way to withdraw the PF amount.Last company has update the last working day on the UAN portal 1 week ago.
Both the companies I can see on same on UAN number.
This is the error message i see
As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.”
My organization declared me as absconded. I worked there for 3 months but left it due to family emergency and could not serve the notice period. How can I withdraw my PF from that organization? Please guide.
Thanks.
Hope your family emergency is resolved.
You will not get the EPS contribution as by EPFO you are required to contribute atleast 6 months to EPS.
If you were absconding, employer can only terminate your services following a procedure of inquiry. Nothing more.
Your PF cannot be touched. You write to the employer to release your PF. You can approach the RPF authorities if it is not done.
Do you have UAN? is your KYC approved? Then you can withdraw from EPF without any employer intervention.
If your EPF was private trust then you can only approach your employer.
Hi
I worked with one MNC for 20 years. Company was having its own trust and the all my of accumulation was getting transferred to that organisation. I left this organisation in Jan 2015 and joined another company which was having of account with EPFO. I recently got my of transferred to EPFO (govt) how er the previous employer deducted 30 percentage of the interest amount from 2015 till 2018 as TDS. However as per my knowledge there should not be any TDS on pf transfer. Please advise how can I claim the tax deducted due to this transfer
Hi,
Thanks for update,
I have worked in United breweries from 2011 to 2013, there is EPF trust is available, then i moved to other company, now it was almost 4 years over, How can withdraw PF.
Please give the information.
“As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust”
I am getting this above error while calming the previous organization PF withdrawal. below is the career path,
LOBO STAFFING SOLUTIONS PVT.LTD. –> TATA COMMUNICATIONS TRANSFORMATION SERVICES LTD–> TATA COMMUNICATION LTD–> current employee of INFOSYS LIMITED.
I want withdraw the PF amount of LOBO STAFFING SOLUTIONS PVT.LTD but not able to do, pls. share any suggestion how u can withdraw the PF amount.
Hi i am not sure are you able to withdrawal amount ?am also same error, please let me know if able to withdrawal amount,it helpful for us
For trust money is with Organization so you have to contact your old employer.
Hi,
I was working with a exempted organisation for 9 yrs and joined a new org last year. Raised PF transfer form with prev org and got confirmation as well stating transfer completed. However, I can not see that amount anywhere under my UAN. Even after a year it is showing my PF from new org only. Tried contacting prev org and got reply stating we have made the transfer now be in touch with new employer. Reached out to new employer and got reply stating we can not help it is with prev org only.
Plz advise where can i raise a grievane for same. I tried raising it with EPFO and case was closed stating it is related to exempted org so closing the case.
Plz guide.
Thank you
Sad to hear about it Dipika. EPFO is Govt organization so …
Did you check the status of your EPF transfer claim by clicking on Online Services->Track Claim Status? What does it say
Did you check your UAN passbook?After the successful claim, UAN passbook of the old and new employer will reflect the transfer as shown here.
You can ask your old employer for Annexure K. They need to send this to EPF for transfer of EPF account.
Then You can raise EPF grievance to get Annexure K from Govt.
Hi,
Thank you for reply.
Yes I did check the status of claim under online services and it says claim settled and transfer completed.
I also checked passbook after transfer and claim settlement. For old account – no passbook generated since it is managed as trust and in new account passbook has balance of new employer only.
Please advise can’t I raise it with any higher authority as the amount of old PF is high.
Thank you
The passbook of new employer should have the transferred amount as shown in the image here
Your View->service history should have details of old and new transfer.
It transfer happened in last few days wait for 2 more days.
Please raise the EPF complaint and show snapshot of passbook of new employer and details of the transfer
Our article How to register EPF complaint at EPF Grievance website online explains it in detail.
Thank you for guidance.
Have raised a grievance as transfer happened in Jan’18 and I am not able to see the transfer amount or details anywhere in current passbook.
Hi,
I have same problem like dipika. I have raised a grievance every time they are telling reconciliation is pending from HO Delhi.
What to do next.
Hello. Very informative article, thanks.
I worked for an exempted establishment and left to become an entrepreneur. On leaving, I withdrew my PF from the trust as I was not working any more. After two years, the business failed, and I took employment with another company. In this company I want opt out of PF as my salary falls above the cut-off limit. Please tell me what is the procedure for me to do opt out? Thank you.
You will have to ask your employer. And why do you want to opt out of EPF? It is a good saving for your retirement.
The interest of 8.5% is better than any other debt instrument out in in the market
Typically, Once a person is enrolled under PF Scheme, irrespective of his salary increments in consecutive jobs, he does not have an option of exemption from the scheme, unless the company is not registered under the EPF act.Such companies are usually startup or company which has less than 20 employees
But if a fresher joins his first organization with Basic + DA above Rs. 15,000, he can opt out of the PF scheme. However, he has an option to join the PF Scheme in his future organisations.
Process to opt out:
Every employee needs to submit a declaration, Form 11 when he takes up new employment in an organization which is registered under the EPF Scheme of 1952. This form, EPF Form 11, contains basic information regarding the employee and it is mandatory for an employee to fill it upon joining an organization. EPF Form 11 is a self-declaration by the new joinee about his status whether he is a member or non member of EPF / EPS in earlier employments and opt out of EPF
Check the image for more details.
It is in our article EPF Form 11 on Joining a New Job: Auto transfer of EPF account
HI There,
Please guide me. I worked for 1.5 years for epf un-exempted organisation and got UAN generated here. then I joined an epf exempted organisation and left it in one month( without servicing notice, received salary of one month only) linked previous UAN here.
Then again I joined new organisation which was epf un-exempted ( here they created new UAN even though I have given my previous UAN ) I left this also but so far not withdraw any pf amount.
Now I joined organisation which is exempted and i want to transfer all three PF account in this organisation pf trust. But in one UAN two pf account created and another one pf account is created.
I have initiated transfer of pf account through current employer for last organisation only having new UAN and one pf account. Also I Want to know if previous UAN where i have two pf account can also be transfer to new UAN and current organisation which is pf trust.
You can transfer PF account from trust.
But you to approach the trusts to initiate the transfer process.
Hi,
I was working with an organization having private PF Trust and now I’m working with some other organization and the same have a private trust.
I just need to transfer my PF amount from previous organization. is there any online procedure?Could you pls suggest the procedure online/offline.
You cannot move money from one exempted trust to another exempted trust through EPF website.
You would have contact your new employer and ask for what is required.
You would have to submit EPF transfer request to your old employer.
They would either give cheque or transfer through NEFT into your new employer account.
Is there any time period within which the cheque has to be submitted in PF office ?
I was working for TCS for 2 years and left the organization in January 2018. After 6 months that I.e..June 2018 I received a mail stating that that you are
advised to transfer your Provident fund to your current employer or settle
the account which ever is applicable.It is also important for you to know that as per recent updates, the
Government of India has directed employers to transfer inoperative
Provident Fund corpus to the Senior Citizen’s Welfare Fund.
As I was unemployed for 6 months and have recently joined new organization. I can transfer my PF from previous company only when I receive my first salary. Same is informed to the concerned authority of the previous organization.
Somehow I didn’t understand if there is any rule that states if account is not active for more than 6 months then we need to withdraw it ?
Can you please send help me on this.
The notice is given below. So it is not true.
You can send the copy of the Gazette to TCS from here
Explained it for your reference below.
We would like to bring your attention to Gazette Notification No. GSR 1065 (E) dated 11TH November 2016 amending sub paragraph (6) of Para 72 of The Employee Provident Fund Scheme 1952. Para 72 deals with the Payment of Provident fund and sub paragraph (6) deals with INOPERATIVE ACCOUNTS
Amended para 72(6) would be read as follows
AMENDED PARA 72 (6)
Any amount becoming due to a member as a result of:
(i) supplementary contribution from the employer in respect of leave wages/arrears of pay, instalment of arrear contribution received in respect of a member whose claim has been settled on account but which could not be remitted for want of latest address, or
(ii) accumulation in respect of any member who has either ceased to be employed retired from service after attaining age of fifty-five years or migrated abroad permanently or died, but no application for withdrawal under paragraph 69 and 70 or transfer, as the case may be has been preferred within a period of thirty six months from the date it becomes payable, or if any amount remitted to a person, is received back undelivered, and it is not claimed again within a period of three years from the date it becomes payable, shall be transferred to an account to be called the [Inoperative Account]:
Provided that in the case of a claim for the payment of the said balance, the amount shall be paid by debiting the [Inoperative Account].
“Provided further that if any amount becoming due to a member, as a result of supplementary contributions on account of litigation or default by the establishment or a claim which has been settled but is received back undelivered not attributable to the member, shall not be transferred to the
inoperative account.”.
Conclusion
Now Provident Fund account ONLY for employees who have retired from services after attaining age of 55 years or migrated abroad permanently or dies will be transferred to Inoperative account after the expiry of 36 months. This implies that for all other set of employees’ amount standing to their credit will not be transferred to Inoperative account.
This further implies that all such employees will keep on earning the interest till the time the time they retire or shifted abroad
Hi Team,
I was working with a company which was not exempted in PF. It provided me a UAN. Now I joined another company where I continued my existing UAN but the company is exempted in PF.
I want to withdraw the PF of my previous company but when I am doing it online it says to connect with the trust.
What should I do to get my PF amount for previous employer.
Have you transferred your old PF account? Just giving UAN number is not sufficient.
Note that once you transfer the account you will not be able to withdraw your EPF money.
You can apply offline for EPF withdrawal.
Hi,
I was working in a IT company from 2012-2015 , which has an exempted EPF trust. On leaving the organization i got a UAN. Then i joined Cognizant in 2015 and received another UAN. Now i want to merge both the accounts but I am not sure about the account with my previous employer because I cant even see its passbook online.
So what can I do? Please suggest.
You can transfer your old UAN to new UAN but you have to get the transfer request submitted to your earlier IT company.
They will transfer the account to new UAN.
Hi All,
I worked for HCL Technologies 4 Year 2 months and I am planning to withdraw money. please let me is my PF & Pension amount will be returned whatever I paid? Is there any way I can transfer only Pension amount and can withdraw PF amount? please suggest. your opinion is much appreciated! thanks…
When you withdraw your PF you also get your Pension amount.
Transfer of Pension is not possible.
Please note that EPF withdrawal before 5 years is taxable as explained in our article EPF Withdrawal before 5 years,TDS,Form 15G,Tax and ITR
We would recommend you to transfer your EPF to new employer.
HI Team,
I have worked previous in HCL technologies and then Joined a new organisation 2 years back. I got Annexsure-K from HCL, but Than amount is not transferred to my current EPF account. I could not see any details regarding HCL’s EPF in EPFO site. What i need to do with annesure so that amount should credited to my current EPF account?
Please help.
Did you raise a transfer request?
Please contact your current employer and submit your Annexure K.
Please do scan Annexure K
I spoke with my current employer they asked me to raise a grievance in PF portal with Annexure K. Is it right process?
I was working for TCS for 2 years and left the organization in January 2018. After 6 months that I.e..June 2018 I received a mail stating that that you are
advised to transfer your Provident fund to your current employer or settle
the account which ever is applicable.It is also important for you to know that as per recent updates, the
Government of India has directed employers to transfer inoperative
Provident Fund corpus to the Senior Citizen’s Welfare Fund.
As I was unemployed for 6 months and have recently joined new organization. I can transfer my PF from previous company only when I receive my first salary. Same is informed to the concerned authority of the previous organization.
Somehow I didn’t understand if there is any rule that states if account is not active for more than 6 months then we need to withdraw it ? Please guide
I am also having the same issue.
Can someone please help me on this?
Don’t worry.
You can send following notification to TCS which does not say that.
here
Hi Team,
Previously I was working for Mphasis which has a private trust for EPF and I have managed to get the PF amount transferred.
But what happened to EPS contribution in Mphasis how can I track/transfer/withdraw that??
Thanks in advance!!
Does the UAN show your service details in Mphasis?
If so then you need not worry.
Hello Sir!!
If a company is not depositing PF amount in its private trust since one year and also getting zero points in its performance evaluation on exempted establishments, then what next??
EPFO can already see that they are getting zero points still how can an individual put pressure on the EPFO to make the company deposit and disburse the retired/resigned employees dues?
Kindly suggest where should one complain so that it is acted upon and one gets his dues.
Thanks.
Hi sir,
I have worked in exempted of pf trust company from 2004 to 2007, I have left the job without notice period. later joined one company having UAN number and pF number , could see Epfo online and resigned 2 months back. How to link my old EPF account to new account.. Can’t link using one uan epfo portal.
Hi,
I’m unmarried and don’t have surviving parents. As per EPFO, only parents, spouse or child can be a nominee. In my case I don’t have eligible nominee. Can I declare my brother or sister as my nominee? Or, at least can I declare their children as a nominee. If you have any suggestions to get my nephew or niece added as nominee would be highly greatfull.
Thanks
as you are unmarried, you can nominate brother/sister/nephew/neice etc. But in case there is no valid nomination, then the successor as per Hindu Succession Act1956 would be eligibile to apply. Your brother/sister/etc would be Class II successors and in the absence of Class I dependent all Class II relatives have equal claim.
Hi, I worked for Infosys for more than 2 years and have been relieved in the month of nov 2017, I Joined DXC technology which is EIT services pvt ltd and due to personal issues I had to leave the job without noticing. Now, I’m unable to withdraw my pf amount. It’s coming up as exempted and some trust, I really don’t know anything about this. If you can help me how can I withdraw my pf, much appreciated
Was unable to manage one Employee-One EPF account services,
geting error (details of previous account are different then present account, hence claim request cannot be processed)?
KYC has already updated
please help me out
Please check details (Name, Date of Birth, Father name) etc in both the accounts.
Without seeing more details that’s all we can recommend.
Hi Sir,
I have worked previously in non EPF trust company and now I joined wipro. I am receiving below message when I am trying to withdraw my previous company PF.
As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.
Can you please let me know the process to withdraw the PF from my previous company.
You cannot withdraw exempted establishment EPF online.
You need to contact your old organization and do EPF transfer.
Hi,
let me narrate this.
I worked for IBM for 1.7yrs which is not an exempted org and has my PF in EPFO. I then joined Wipro which is an exempt org.
I tried to transfer my PF from IBM to Wipro twice but failed with unkown reasons. Once I tried through paper submission and next time I tried online.
I have again raised the transfer of my PF in Wipro about a month back.
Now I am separating from Wipro and will be working outside country.
My queries are:
1. Shall I wait for transfer of IBM to Wipro and keep PF in wipro trust and withdraw whenever I need it later( i believe I’ll be getting the interest of 8.6 till i withdraw, please correct me if I have an incorrect understanding)
2. Shall I withdraw PF from IBM and wipro both and be happy 🙂
3. Keep IBM separately if transfer fails again and wipro separately and with draw later
Please suggest what can I do ?
Thanks
Congratulations on your new job outside the country.
Please note that though you would earn interest in both your IBM and Wipro it would be taxable.
For Wipro I would suggest withdraw as it is an independent organization .
For IBM you can wait as the details are online provided your UAN is activated, KYC is approved and verified.
Greetings,
I wanted to transfer my PF to new Employer which is a EPF trust. When I went to transfer from EPF India website, it shows PF number and a place to fill in the PF number (trust ). I got confused. I enquired and was provided a different PF number by the employer. Now the question is do we have 2 PF numbers before transferring to Trust.
Regards,
Sumit
You had to provide the PF number of old employer.
Can you send details with screenshots to our email id bemoneyaware@gmail.com
Hi BeMoneyAware Team,
I recently did an UNexempted to Exempted PF transfer and was cancelled for unknown reason.
I have raised the transfer again. Can you please help me in understanding how should I get it done from my end. Should I check with my current employer or previous one.
Thanks
Hi
I have left my previous job at an IT company (with exempted trust) without serving my notice period … How can I withdraw my PF amount ?? Is it possible that they can hold my PF balance for leaving the job abruptly?
Thanks in advance.
In case of EPF trust the money is with the employer so if you want it the only way to get is to approach the HR.
Hi Friend,
If we want PF statement from the employer, is this thing mentioned in any of the section of EPF act that private trust have to provide statement to employees every month or can we check online the name of private trust of our employer.
Hi,
Actually I am not able to see the PF amount in member passbook portal. When I try to see the passbook I got this message “Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to contact your employer”.
Kindly let me know h ow to check the PF amount ?
Thanks
Rekha
Please contact your organization they would have a way to verify the EPF amount.
The Government has permitted employers/companies to establish and manage their own private PF schemes, subject to certain conditions prescribed under the Employees Provident Funds and Miscellaneous Provisions Act, 1952
EPF Private trusts are formed by firms that manage the provident fund and PF accounts of their workers themselves.The members of these trusts enjoy income tax and other benefits at par with EPFO subscribers. The PF Trust may frame their own rules and regulations for the maintenance of PF accounts but such rules and regulations are supposed to be based on relevant PF rules.
Hi
I joined non exempted organisation from wipro technologies which is an exempted organisation on 22nd may 2017. I raised offline transfer request using form 13 at that time itself. As response wipro issued PF cheque to my new PF office in which new company PF account is maintained. From wipro i got to know that the cheque cleared on 16th september 2018.
The amount is not credited to my new PF account until now. Already 1 year competed since i raised the request. There is no proper communication from any source.
PF account numbers are always not reachable. There is no detail available in PF web sight also.Tried to raise grievance multiple times. But i received same response which says “Sir,. A grievance has been issued to concerned section as and when the same will be received then intimate through mail accordingly “. No action taken on this issue so far.
Could you please suggest what to do on this issue? I have no idea how to proceed.
i am also facing the same problem for it has 3 months to go but there is no amount reflecting in my new pf account.
please give the answer if any body have.
Hi
i have opened a PF account on Kolkata Saltlake office and want to transfer my EPF balance from a private trust.
If you could please let me know in whose favour and how the cheque will be prepared
I also faced this same issue. I raised a grievance in Goverment of India website against EPFO department. This got resolved within 10 days.
Can you elaborate on what you did?
It would help other readers.
Hello Team. I had to resign from my job for heath reasons and its been 8 months that I haven’t joined any other job. My previous employer managed a private EPF. I am not sure how soon I would be joining another job – it might take some time. Should I withdraw my EPF money? Is there any benefit of keeping it?
Hope you get well soon.
Your EPF money will earn interest but interest earned would be taxable.
How many years have you worked?
Will your employer exist after few years? EPF trust money can only be withdrawn from the trust.
Thank you. I have worked for 4 year 8 months. The person in charge said that as it is less than 5 years, if I withdraw the amount now, I would be taxed 10% TDS. Is that correct?
(It is a listed entity whose ex-parent company did have problems…but now this has been taken over by another company and is visibly stable)
Yes, Anita person in charge is right.
An individual has to pay tax on withdrawal of PF accumulations if the same has been withdrawn from a recognized PF account without rendering continuous services for five years or more with the employer.
It is important to note that withdrawal of the EPF account by a salaried employee is illegal. Many employees withdraw their EPF account at the time of leaving the organisation. Legally right thing is to transfer the EPF account from old employer to new employer
Provident fund withdrawal before five years of completion of service will attract TDS(tax deducted at source) effective from 1 Jun 2015.
TDS on EPF will be deducted if withdrawal is more than Rs 50,000. This is applicable from June 2016.Earlier this limit was Rs 30,000.
TDS will be deducted at 10 % provided PAN is submitted. Otherwise, TDS is deducted at the rate of 34.608 % if PAN is not submitted.
If you withdraw offline you can submit form 15G/15H to avoid TDS.
Whether TDS is deducted or not
if you withdraw your PF balance before the expiry of five years of contribution, then it is taxable in the year in which you withdrew.
Your employer’s contributions along with the accumulated interest amount will be taxed as “profits in lieu of salary” under the head Salary.However, relief under Section 89 will be available.
Interest accumulated on your (employee) contributions will be taxed under the head “Income from other sources”.
The tax deductions claimed on your contributions to EPF will be revoked or rolled back, and shall be liable to tax.
Thank you. What do you mean by illegal? Is it only for the part contributed by the employer?
By illegal I meant if you work then theoretically you cannot withdraw EPF as EPF is for your retirement.
One employee one epf account
Hi Team,
TCS manages the PF of its employees under Exempted status with Tata Trust per EPFO Rules.
Let’ say an employee starts working at 25 YEARS OLD & works for the next 20 years, till 45 years of age and accumulates PF in his companies Trust Account before taking Voluntary retirement.
From the information I have read online, I feel the employee should earn the interest for the accumulated amount from 45 till 58 years of age per the revision related to ‘Dormant’ PF Accounts that was done in 2016 by EPFO.
I have read & the company documents state it will pay interest for 36 months only after the account becomes Dormant (this was the old rule from 2011-16, I guess). I guess the company documentation needs to be updated.
Now my query is – Will a TCS employee’ PF Account be earning the Interest till he reach 58 years of AGE; if he has not withdrawn the accumulated PF amount at early retirement – say 45 years of age after working for 20 years in TCS?
Regards,
DS
Typically exempted trusts follow the same rules as EPFO.
TCS is not different. It is paying interest and deducting TDS on it if one has not withdrawn from TCS trust(we have details from other reader)
To discourage provident fund subscribers from neglecting their Employees’ Provident Fund Organisation (EPFO) accounts, especially the ones in which no contributions were being made at all, with effect from the financial year 2011-12, the EPFO had decided to stop paying interest on accounts that had been inoperative for more than 3 years, or 36 months.
In Nov 2016 it rolled back its decision and now even if your account is lying dormant, or has been inoperative for more than 3 years, it will continue to earn interest like it did earlier.
According to V.P. Joy, Central Provident Fund Commissioner, the inoperative accounts will earn interest till retirement only. Also, if a person retires and does not withdraw the money, then after 3 years the account will become inoperative and no interest will be paid in this case.
Hi I worked for TCS which is exempted establishment (i.e. Trust). Now i have left TCS and have joined IBM India Pvt Ltd.
I am not able to see my PF Passbook of TCS PF account through UAN Login.
How do i get the TCS Passbook as i wanted to transfer the Money to my New PF account in IBM India Pvt Ltd
Thanks
Andy
Exempted trust passbook is not with EPFO as trust maintains its own money.
I guess IBM also has a trust.
If you want to transfer you have to submit request to IBM for transfer which will be forwarded to TCS.
you can send detail ,The annexure will to be generated for transfer of fund and your uan account no password and IBP trust pf account no. and otp reuired.
fees is 11.237% of Fund amount.
thanks you
Hi,
I have been trying to initiate a Transfer Request on the portal to transfer PF from my previous company to the current one. I see an error message saying “Previous establishment is PF exempted, hence claim cannot be submitted to Present employer.” and unable to proceed ahead.
Please suggest what needs to be done. I want to transfer my PF to the current one.
Regards
Ashwini
Hi Ashwini,
I guess you need to the finance department of your previous organisation or any such contacts and they should provide you the PF transfer request or withdrawl form, whichever applicable. You cannot do this online because your previous establishment maintains a PF exempted fund (Trust). The alternative of the first suggestion would be approaching for PF transfer through your current organisation, if you have been working currently in one of the PF member organisation.
Thanks!!
The UAN account no and paassword no and Neft detail and bank statement require for transfer of fund.
Complain to RPF required
Fees 10%
Dear You have to apply to your previous employer who is managing the EPF trust
Hi I am Premkumar M I applied for PF settlement on August 2017 but the organisation which I worked is not yet processing whenever I asked for update they are saying we will process it will take some more time. I have waited for 8 months I cant wait more than this.Is there is any possibilities to take any legal action on them or is there is any place to raise a complaint.
I tried for online claim also but getting this error “As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust”
Please help me on this.Thanks in Advance
provide your detail uan password and all ekyc.
Hello, I am working in Bombay Dyeing Mfg Co. which has its own PF trust.The retirement age is 60 years in this company whereas the govt. set retirement age is 58 years.So as per the rules set by EPFO, I should be able to withdraw full PF after 58 years of my service.So does the same rule apply for the private trust as well ? i.e can withdraw full pf after 58 years and continue working uptil 60 years ?
It is best to contact your Trust
I was working with Capgemini. They have PF Trust. After 9 years of work suddenly lay off started and I got out of the company. During account settlement they did not settle the PF account. Now Its been 1 year. And I want to withdraw those funds.. Will you be able to tell me the process.. Not getting much help from company HR.
Hello,
I have maintained PF account more than 10 years between 2 organization. My old company is Pf account associated with EPF and current company maintained with its own Trust. Now i left the current company about 6 months back and not been associated with any organization. I have following question, could you help me with answers and suggestions
Thanks in advance
Am i eligible for availing Pension if the amount keeps withTrust?
is it safe and secure my PF amount as its maintained by company trust and i am no longer associated to company?
How can i track the PF funds with company trust as i am not working with organisation?
Is it possible to transfer and keep the PF amount to EPFO instead with Trust? if yes kindly provide the steps.
Am i eligible for availing Pension if the amount keeps withTrust?
Pension or EPS is kept with EPFO.
is it safe and secure my PF amount as its maintained by company trust and i am no longer associated to company?
It should be safe but what are your plans. Do you intend to join another company and get that EPF transferred?
Is your company not asking you to withdraw the EPF?
Is there any advantage in keeping the EPF?
How can i track the PF funds with company trust as i am not working with organisation?
There is no way to track if the PF funds are with the company trust.
Is it possible to transfer and keep the PF amount to EPFO instead with Trust?
Only when you join another organization which has Unexempted EPFO i.e not maintained with the trust can you transfer it to EPFO.
Thanks for you response.
my Company advised me to withdraw/ transfer the money. Since i am not going to be associate to any organisation atleast next 5 years and would like to keep it as a saving and avail pension in later stage as i have already contributed last 11 years.
Please suggest what is the best possible way to avail.
Thanks
If you are OK that the company will be there then it is fine.
Have you transferred the old organization to the one with trust?
If you have total contribution is more than 10 years and you less than 50 years old you cannot withdraw EPS.
My recommendation is bird in hand is worth two in the bush.
We don’t know what Govt rule would be for EPF after few years.
Hello,
Thanks for spending your valuable time.
I got to know that EPS and EPF are two different, not dependent each other.
I have applied to withdraw the EPF amount, however, I am not getting whether i can avail pension since i had more than 11 years service to different organization. My current EPF account with Companies Trust.
I had noticed that i can avail pension only when i serve the current organization more than 9 years and 6 months. Does it mean that i can’t avail Pension once i turned 55 Years.
Sir,
I had transfer my previous PF money to my new account on 5-1-2016. and i got a sms on dt-16-02-2018 that your from 13 (Transfer) Claim ID:***** approved for payment through cheque. pmt under process. but i didn’t get the cheque yet. recently checked on epfo sites and i surprised the answer.
Claim ID:********
Recipt Dt-10-02-2016
Claim from type – Form-13 (Transfer Out)
Para details-Transfer ( (Unexempted to Unexempted in other region or to Exempted Establishments)
Dispatch Date-11-02-2016
Status-Settled
Remarks-Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-***** Member id-****** your claim has been settled.
Just i want to know in which account they have settled.kindly help me out.
When you transfer the account, you don’t get the money.
The cheque is issued by one EPFO to another EPFO.
Please cheque your UAN passbook for both the accounts.
You can send a copy to bemoneyaware@gmail.com
i shared the soft copy on above email id.
Hi
I am currently working for an exempted organisation since 6 years. I want to withdraw my PF for house renovation which is possible according to the EPFO website provided I have proper renovation documents.
I need to know if I can directly fill the form and reach EPFO to claim that amount. My company has its website where I can claim but the documents that needs to be provided are huge. A PF advisor advised me to directly apply to EPFO so minimal documents are required? What do I need to do? I need to know if I have to apply in my company or EPFO Bandra?
When you work in the organization which has trust your EPF money does not go to EPFO. Only EPS goes.
So you cannot claim it through EPFO.
You would have to submit appropriate documents to your organization only.
Sir,
I have worked for 4 years in a private retail co. which has exempted establishment i.e. Trust. I want to withdraw my complete PF amount. Sent several mails to HR team to help on the same but every time they reply that company has stopped the withdrawls. Request you to pls guide on the same.
Regards,
Sandeep.
Are you still working for the private retail company?
You cannot withdraw your EPF while still working and contributing to EPF
Hi,
I have transferred my PF balance to new company with trust. I served in the previous organization for more than 5 years. Can you please help me with procedure of PF withdrawal in compamy with PF trust. Can we do partial withdrawal? Is there any possibility that I only withdraw the amount that I transferred to my new comp?
Hi,
Long story short- I was working with a company which had an exempted PF trust and subsequently joined an organisation that had PF with EPFO Pune. I applied for transfer and that was done.
I worked in the new organisation for 7 years and retired recently at the age of 60.
I applied for withdrawal of PF and for Pension. The PF has been transferred. However they are saying that I am not eligible for pension as I have worked for less than 10 years and should apply for withdrawal benefit (Form F-10C).
Question-
1. Does this 10 year pension rule apply only to EPFO run trusts
2. My previous organisation was contributing to pension to the best of my knowledge. Will I be able to with draw that amount as well in case I have to withdrawal benefit (Form F-10C)
Even if you work in an organization with exempted trust your EPF gets deposited to EPFO.
When you have transferred your EPF did your EPS get transferred?
How many years did you work in the earlier organisation?
Raise the EPF grievance asking details about EPS of earlier organization.
Our article How to register EPF complaint at EPF Grievance website online explains the process in detail.
I was working with Infosys before and i left the organisation on july 2017.
i was told there that whenever i join a new company i can opt for PF transfer, but i came to know now that it is as “exempted establishment”
so now my question is how can i withdraw/transfer my PF.
i am not sure how much money i have in my PF Account.
Can i go for full withdrawl of the PF money?
Please advise.
Thanks
You can transfer from an exempted establishment the process is the same, except that you have submit application to your old employer i.e Infosys only.
We would not suggest withdrawing your EPF as it is for your retirement.
I had transferred my PF account from my first company that maintained a trust account to my 2nd company which is with EPF. Had submitted the form 11.Would the same apply for EPS transfer as well since I did not withdraw EPS nor did I get a scheme certificate from my first company.
Yes, the new Form 11 includes the transfer of both EPF and EPS.
Sample new Form 11 is here.
Is it possible to transfer my EPF amount from an un-exempted organization to Exempted (trust)organization? Please let me know the complete procedure of it and duration required for the comnplete process.
i joined my current organization on 9th NOV. 2017 but not yet applied for EPF transfer.
Hi,
My previous employers were contributing to EPS for almost 6 years. I joined my current employer on March 2016. But they are not contributing anything to EPS. Employer contribution is only going to PF. Can you please tell me is there any way I can resume the EPS contribution so that I will be eligible to draw pension later?
Thanks,
Arun
EPFO in Aug 2014 had come up with a rule, Employees with a monthly salary of over Rs 15,000 in their first jobs would no longer be able to contribute to the Employees’ Pension Scheme (EPS) run by the provident fund department.
Did you ask your present employer?
Did you transfer your EPF from old account to new account?
Did you withdraw from old EPF account?
Did you get a new UAN?
Can you send View->History snapshot to bemoneyaware@gmail.com?
Can you send your latest EPF passbook & old passbook to bemoneyaware@gmail.com?
Is your current employer an EPF trust?
Was your last employer an EPF trust?
1) My present employer is under EPF trust and they told contribution to EPS is not done.
2) Last month i filled form 13 and send to my present employer for PF Transfer.
3) I have withdrawn EPF from my first employer(I worked for 3 companies. First company EPF withdrawn. Made a request to transfer EPF from 2nd employer to Current employer last month as mentioned in 2)
4) I have only one UAN given by my first employer. Same I have given to all employers.
Kindly let me know is there any way I can ask my employer to contribute to EPS. In my first job, my basic pay was less than 15000 and started job at 2010.
Thanks,
Arun
Ask your employer why is he not contributing to EPS?
When did you start your second job?
Can you login to your UAN and send Service History picture to our email id bemoneyaware@gmail.com
Hello,
I have created the request for transferring my PF from exempted company (Wipro) – to Cognizant. The claim status says ‘Settled’ with Remarks as ‘Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) . What does this mean. I have not submitted the Form-13 yet and I have not received the amount also. Do I need to submit the request again. Please let me know
Check the passbook.
EPFo had plans of automatic transfer of EPF account if UAN is provided.
It seems that it has started.
It should show the transfer of the amount.
Check you claim status at https://epfindia.gov.in/site_en/For_Employees.php?id=sm2_index
You can also raise grievence at EPF website. Our article How to register EPF complaint at EPF Grievance website online explains it in detail.
Is it possible to withdraw the EPF from an exempted category PF trust by using UAN, without any intervention of trust?
No in case of trust the EPF money is held by trust only.
Only EPS is with EPFO.
So you cannot withdraw from a PF trust using your UAN
Sir, This case how can I withdrawal my Pension amount.
BR//
Suresh M
That you can apply through UAN website.
Is it not allowing you to?
Assume a person worked in a Govt sector company A which got taken over by a private company B with a private EPF trust but B kept A as a subsidiary only . Further the employee had more than 20 years of service with A including the time it got taken over by B. After some time B merged A. However employee left B in less than 5 years. Now employee wants to see status of EPF and EPS in his tenure in A and B without having to ask the companies. It is his right to the information you see.
Q1. Since EPFO does not show passbook what is the assistance they provide to the employee in protecting his rights and money because a private trust can deny or provide him wrong information after he leaves them.
Q2. As Govt has further broken back of the citizen in taxing withdrawal of EPF if service is less than 5 years does that imply his entire life’s savings will be taxed at withdrawal which will be highly unfair to him or will his component of A be not taxed as he had more than 5 years of service there and B may be taxed assuming Finance Minister is still insisting on this anti citizen rule ?
Q3. What are the exact powers of EPFO as regards ensuring due justice is meted out by Private EPF trusts to their employees.
Q4. What is the procedure of appelation in case private trust does not settle a claim fairly.
Q5. What is the use of digital UAN if the employees of trusts that are exempt cannot see their PPF status….How will EPFO ensure that everyone does not become a private trust. Why cant they ask the Private trusts to deposit money with them and yet operate it independently for higher profit ?
Concerned Indian your concerns are genuine. And EPFO has heard such concerns too and it is addressing the concerns.
Why do companies go for EPF Private Trust?
The private EPF Trust seems to be more appealing as money remains with the in-house trust formed by the employer.
The employees also gain from the tax benefits which were at par with the statutory provident fund scheme as well as the speedier settlement of their claims on retirement/ resignation.
If you go to EPFO website epfindia.gov.in and
click on Status of Establishments you can get information about how EPFO is keeping a close eye on the EPF
How long can a person continue as a chairman of an exempted PF Trust?
How long can a person hold the position of a chairman of exempted PF Trust?
I was working in a company as third party through teamlease and my PF was deducted as usaul. Now i have left the organization and joined new company. when i login in member passbook it shows that teamlease is some kind of trust and thus its passbook cant be shown. How could i get the details of pf deosit during teamlease and how could i get the money. please help.
Hi,
I have transferred my old companyPF to xx company pf trust.
After transferring pf I dint get any update from xx company.
I left xx organization and withdrawn my hcl PF amount. ( I dint get my old company pf amount along with xx pf)..
After withdrawn I came to know that my old pf amount is with xx only. I provided annexure K to xx company.
Xx company is not giving my old pf amount.
How to get my old company pf amount from xx company. As it’s a pf trust. In this whom I need to complain??
If I go legally will my old pf money will get back to me?
It’s your money and you should get it.
Please get the details of how much amount was transferred and how much money did you get on withdrawal.
You can then raise the EPF grievance with all supporting facts.
You can let the xx company then you will complain to EPFO.
Now you can raise issue on social media accounts of Twitter/Facebook.
I have moved from HCL to American express. I have given my old PF number and UAN to amex but don’t know why they created my new UAN and PF and now hen i am checking online both UAN are active. What i should do now ? I left HCL in SEP 2017.
Choose the latest UAN and merge earlier UAN to this.
To merge the two UAN login to UAN website with latest UAN and password. The process is explained in our article
How to Transfer EPF Online on changing jobs
Verify that all your details are populated in the UAN portal. No missing or incorrect information.
Verify that your KYC is approved.
Click on Online Services->Transfer Request.
The Employee has to get his claim attested by the current or the previous employer.
A PIN will be generated and sent to the registered mobile number.
Submit the claim form to the selected employer.
The employer should approve the request.
can a individual have two pf account at same time from two companies,, right now i do work with trust having pf account and same time i do job for another company for 6 months now i got resignation from another company, but now my uan number show my current employer which i resigned. kindly confirm can i hv two pf account
Which UAN is the new PF account linked with?
You need to transfer your old PF account to new .
Sir,
I have received annexure-K from my previous employer (Wipro Technologies)having EPF fund trust but i checked with my current employer EPF office they are saying that they have not received any such request . My previous fund trust account number was starting with PY/BOM that is it is linked to Bommansandra office ,Bangalore and my current employer is EPFO Noida .I’m not sure whom to reach out i have shooted mails to EPFO Bommasandra but i’m not receiving any response.I’m not sure whom i should reach out because my previous employer says they already transferred the money as per the Form 30 i submitted to them and my current EPFo Noida is not sure how to backtrack my request.
You can check your claim status by following given steps
Go to EPFO website ,Click on Our Services->Employees, select Know Your Claim Status. Enter your UAN & Captcha and hit Enter. You will see PF Account list which associated with the specific UAN
If you click on the link from where you have transferred the account, in your case starting with PY/BOM, you would see information about your similar to shown in this image
You can check the status there, transferred/date transferred.
You can then file EPF grievance with copy of Annexure K and ask for the status update. Our article How to register EPF complaint at EPF Grievance website online explains in detail.
Login to UAN website with your UAN and password and check your View->Service History and see if DOE and DOJ of both the employers are shown.
You can check the passbook of new employer if it shows the transferred amount
You can send snapshots of View->Service History, Passbook to bemoneyaware@gmail.com if you want us to look into it.
SIR, I had left Lnt in feb2017, and I had apply for pf withdrawal on 21st dec17, but still my pf not get settled. In lnt they have their own trust .
1.I want to know that what is the time limit for trustees based pf withdrawal.
and 2. for EPs I need to fill different form or with single form EPs also settled.
thanks
It depends on the trust but most of them settle within 3 months. Best you check up with the old company.
What forms did you sign?
If an employee has not completed 10 years in service, he can either withdraw the EPS amount or take the ‘scheme certificate’. If one is still working but hasn’t completed 10 years, this, however, is not possible. He can apply only after he has quit his job, i.e., before joining another company.
The option to withdraw or take the scheme certificate has to be submitted by filling Form 10C, which can be downloaded here. Recently, the EPFO introduced ‘UAN based Form 10C’, which can be downloaded here.
Hi,
I had changed job from Exempted organization (PSU) to Non exempted organization (EPFO) after 10 years of service. My balance is transferred and reflecting in passbook however my service details are not updated.
can you pl guide the procedure how to get the service details updated.
Abhishek
What does your View->Service History show?
Please raise the EPF grievance. Read Our article
How to register EPF complaint at EPF Grievance website online for more details.
I have left the my Job two month back but still getting this message
“As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.”
Were you working in an organization in which EPF was under a private Trust?
In that case, you cannot withdraw your EPF using UAN online portal as the EPF contribution is not with EPFO but with your old company.
Only EPS amount is with EPFO.
But if you are planning to join a new organization then you can get it transferred to the new organization.
Dear Sir,
Thanks for this useful information. I am working in exempted PF trust and I want to withdraw my PF online through UAN portal. Can you please tell me weather I can withdraw my PF through UAN or I have to depend on my employer only.
Exempted trust you can withdraw through your employer only as money is with the employer and not EPFO.
Hi,
I will be leaving my current company which has its own PF trust.
I am not joining any other company and will go for further studies. After completion of my studies if I join any company.
What should I do now, should I withdraw my pf money or my account will stay active.
Or I can transfer my account to unexempted PF.
Congratulations on your plan for further studies.
What are you planning to study and where?
If you are contributing to unexempted i.e non Trust then you can keep your EPF account and it earns interest.
But for trust you need to ask your employer on what its policy is after employee stops working in the organization.
You can only transfer to unexempted PF if you join another company which has unexempted trust.
Hi,
I wanted to know that as my ex- employer falls under the exempted establishment (i.e. trust) list, can I withdraw my PF online through the EPFO website, even if the organisation falls under the exempted list?
Or do I have to contact the employer for withdrawal? The doubt had arisen as I was not able to view the passbook for the same reason that the organisation falls under the exempt list for EPF.
Do you really want to withdraw the PF from old employer?
You can transfer it to your new organization and enjoy the benefit of compounding.
If you still want to withdraw from the old employer exempted trust you would have to approach the old employer.
Yes there is no passbook for the exempted organizations
why should I approach the employer? If the kyc details are already approved and later on seeded through UAN will there be a problem in filing a claim?
The money is with the Trust and not with the EPF.
If you transfer the money from the trust to your UAN then you don’t have to approach the old employer.
And yes it is possible to transfer money from exempted trust to current PF account.
And you should do that so that all your EPF accounts are consolidated(the purpose for which UAN was made)
Hi,
I have moved from TCS to another IT firm. I have raised the transfer claim and got the status as “Settled” and in the remarks i could see “Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)). Claim id-XXXXX Member id-XXXXXX your claim has been settled.recently i have resigned my job PF apply though 10&19c but we received only current pf amount where is my old PF amount i asked to current vendor but we have not received form 13 (PF transfer) Request you to check with previous Employer to share the Annexure K Previous employer is shut down company where is my amount how to apply PF Trust amount please reply any one i umbel request..
LAIM ID XXXXXXXXXXXX
RECEIPT DATE 04/08/2016
CLAIM FORM TYPE Form-13 (Transfer Out)
PARA DETAILS Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)
TOTAL AMOUNT 9299
DISPATCH DATE 12/08/2016
STATUS Settled
REMARKS Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-xxxxxxxxxxxxx Member id-xxxxxxxxxxxxxxxxxxxxxx has been settled. Payment sent on- 12-AUG-16 via NEFT.
How to withdrew above amount pls suggest
Hi,
I have moved from TCS to another IT firm. I have raised the transfer claim and got the status as “Settled” and in the remarks i could see “Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)). Claim id-XXXXX Member id-XXXXXX your claim has been settled.recently i have resigned my job PF apply though 10&19c but we received only current pf amount where is my old PF amount i asked to current vendor but we have not received form 13 (PF transfer) Request you to check with previous Employer to share the Annexure K Previous employer is shut down company where is my amount how to apply PF Trust amount please reply any one i umbel request..
LAIM ID XXXXXXXXXXXX
RECEIPT DATE 04/08/2016
CLAIM FORM TYPE Form-13 (Transfer Out)
PARA DETAILS Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)
TOTAL AMOUNT 9299
DISPATCH DATE 12/08/2016
STATUS Settled
REMARKS Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-xxxxxxxxxxxxx Member id-xxxxxxxxxxxxxxxxxxxxxx has been settled. Payment sent on- 12-AUG-16 via NEFT.
How to withdrew above amount pls suggest
When did you move from TCS?
Does UAN show multiple accounts linked to your UAN?
When did you respond from new company?
Can you send the details about your UAN view-> service history the passbooks to our email id bemoneyaware@gmail.com
Hi,
I have moved from TCS to another IT firm. I have raised the transfer claim and got the status as “Settled” and in the remarks i could see “Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)). Claim id- Member id-DLCPM160850000285 your claim has been settled.recently i have resigned my job PF apply though 10&19c but we received only current pf amount where is my old PF amount i asked to current vendor but we have not received form 13 (PF transfer) Request you to check and update…
CLAIM ID DLCPM160850000285
RECEIPT DATE 04/08/2016
CLAIM FORM TYPE Form-13 (Transfer Out)
PARA DETAILS Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)
TOTAL AMOUNT 9299
DISPATCH DATE 12/08/2016
STATUS Settled
REMARKS Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)) Claim id-DLCPM160850000285 Member id-DLCPM00436120000007554has been settled. Payment sent on- 12-AUG-16 via NEFT.
NOTE:How to withdrew above amount pls suggest ASAP…
From details, it seems that you moved from TCS in 2016 and you were able to transfer your EPF account successfully.
As you have transferred your amount you should be able to withdraw from UAN for both these accounts together.
Our article Online EPF Withdrawal: How to do Full or Partial EPF Withdrawal Online explains it in detail
Need details as follows to suggest/verify more.
Can you send the details from your UAN login to our email bemoneyaware@gmail.com
-Your View->Service History (picture or snapshot) (details in our article How to check Member Ids or PF accounts linked to UAN)
-Your 2 passbooks
Till end of August 2017, I was working with an organisation which contributes to EPF. It operates it’s EPF under the provisions of the EPF Act 1925 as an Exempt Trust.
While leaving the organisation, I had a sizeable amount in my PF account. However, as per the rules and regulations framed by the organisation regarding the Employees Provident Fund operated by it, the following has been intimated to me:
1. I can transfer the amount to the new organisation where, and when, I join.
2. I can withdraw the total amount, only after six months, in case I do not join any new organisation.
3. I would not be paid any interest on the total amount for the period between the last date of my service in that organisation, till the date I transfer it/withdraw it (as the case may be).
I would like to know as to what has been intimated to me is in order, and especially the part of not being paid any interest on my money beyond the last date of my service with them. I feel it goes against the very basic logic of not being paid any interest up to six months on my savings.
Hello,
This is regarding pf transfer from my first employer where pf was managed by trust. When I joined my second employer (managed thru epfo) in Nov 2009, I applied for pf transfer using form 13 and my first employer confirmed the transfer and in fact provided me with cheque number as well thru which it initiated pf transfer. In 2015 I joined the third employer (again managed thru epfo) and now when I am downloading my passbook using UAN, I am finding all monthly transactions for my second and third employer pf transfers to my account, however there is no mention of pf amount transfer from my first employer which happened sometime in 2010 from employer managed trust. How do I ensure this gets reflected in my account? Or rather my worry is having enough I lost all that money including interest?
Sir,
I was transitioned from Alcatel lucent to Ericsson in 2014 Dec.
In Alcatel PF is handled by own trust whereas it is handled by EPFO for Ericsson.
Now the main fact is that I got a new UAN in Ericsson.
Now when I do login in EPFO, only Ericsson PF amount is showing there where as Alcatel PF amount already transferred and cheque status is approved.
Please help
hello sir,
when i check my epf balance it shows that status of my epf is exempted trust.how i check
what is my epf balance. pls explain.
regards
Hi ,
I have transferred my old company (3 Years service) PF to new company EPF is transfferred but EPS is not. Last 2 months before i have resigned my last company (2 years service )i have withdrawn my pf amount received only last company EPF along with Old company EPF and last company EPS but i have not received old EPS amount. Can you help on this how can i get Old company EPS.
When you transfer your PF EPF gets transferred but it seems that your EPS does not.
EPS just needs your service history as it does not pay interest.
When you say that you have withdrawn your EPF which form did you submit? How di you withdraw?
Hi,
I have moved from TCS to another IT firm. I have raised the transfer claim and got the status as “Settled” and in the remarks i could see “Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)). Claim id-XXXXX Member id-XXXXXX your claim has been settled.
But when I checked the Passbook for the balance I got the remarks as below
“Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to contact your employer”
I got to know from your blog that PF related to Trust will not be maintained by EPFO.
My question here is
1. When the status says settled (transfer completed), why can’t I check the total balance in the current organisation account ? How to check the previous balance ?
2. How to transfer it to my current PF account from EPF trust (previous).
Very well written article.
I have a query. I switched from an exempted establishment to a non- exempt one. While my EOD balance was transferred by the previous trust to EPFO, my EOD balance was not transferred by previous jurisdictional PC office to new one, in spite of proper submission of requisite forms. How should I move This?
You can now file a fresh application online as mentioned above. option to process application through current / previous employer. Form 13 to be printed n Signed, send tgat to hr. While communicating, categoricallty mention EPS transfer from RPFO. It takes 30/45days but imporant one to complete, ur service details n pension eligibility will get communicated to present RPFO with this transfer only. Hope i clarified.
Jk ottapalam
PF transfer Specialiat
Hi ,
I left TCS last month. When I tried to log in for PF passsbook through my UAN 2 profile is visible .
one is TCS and another one is the new company. New company passbook is visible.
When I try to open TCS passbook it’s giving this error.- “Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to contact your employer”
I have not raised any transfer or claims or anything please tell me the process.
reply me in mail if possible
U cannot view pf passbook of exempted trust in online system. Process for transfer is lucidly given in above article. Read it carefully.
Jkottapalam
Pf transfer specialist
Hi,
I have moved from TCS to another IT firm. I have raised the transfer claim and got the status as “Settled” and in the remarks i could see “Claim Form-13 (Transfer Out)(Transfer (Unexempted to Unexempted in other region or to Exempted Establishments)). Claim id-XXXXX Member id-XXXXXX your claim has been settled.
But when I checked the Passbook for the balance I got the remarks as below
“Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to contact your employer”
I got to know from your blog that PF related to Trust will not be maintained by EPFO.
My question here is
1. When the status says settled (transfer completed), why can’t I check the total balance in the current organisation account ? How to check the previous balance ?
2. How to transfer it to my current PF account from EPF trust (previous).
Exactly same situation I am also facing…Can somebody please respond on this post..
We totally understand your status. Once the account is transferred one should be able to know how much amount is transferred?
Did TCS not give you any passbook?
Will it be possible for you to send the snapshots/pictures of your UAN Profile service and the message to bemoneyaware@gmail.com?
I worked in TCS for 5.9 years and joined another company in April 2017. After leaving TCS I joined the new company within 2 months only. After resign I waited for 2 months to apply for withdrawal of my PF amount. When I applied I got to know from TCS that there are only 3 situations when it can be withdrawn.
1) If I’m moving permanently to abroad, 2) if I’m permanently disabled, and 3) if I’m unemployed for more than 2 months.
Apart from that I cannot withdraw my PF amount and I’ve to transfer my PF amount to my new employer. Why such rule is there? If I really require the money then I really cannot withdraw? Please clarify my doubts.
You cannot withdraw from EPF if you are working. This has been the rule for both exempted and non exmepted funds.
But Govt was not strict with it and had no way to track. So people withdrew after changing job.
With EPF using technology and UAN it becomes easier to enforce the rule.
Coming to the second question, you are right you should be able to withdraw anytime for its your money.
Govt allows one to take do Partial Withdrawal from EPF. Our article EPF Partial Withdrawal or Advance: Process, Form, How much explains it in detail
Hi,
I used to work with TCS but left and joined another IT firm in oct’ 2016. Till now my PF has not been transferred and PF passbook shows “Passbook not available to this Member-id as this pertain to exempted establishment (i.e. Trust).Requested to
contact your employer”. Also when trying to transfer the PF online option available in ‘https://unifiedportal-mem.epfindia.gov.in’ got the error message as ‘Online claim request cannot be processed as :-
Present employer has not made payment in your PF account.’
Please let me know the process or action that I need to perform. All help would be appreciated.
Please check with the TCS. Thought Govt has enabled transfer of EPF from exempted trust to EPF.
Very informative article. I have one question about the situation in which the company (which has its own private trust) declares bankruptcy. Are there any safeguard mechanisms prescribed by EPFO by which Employees PF money remains same. I understand that EPS is secure as it gets deposited with EPFO, but what about EPF?
My Previous employer was Reliance Industries.I have to transfer my EPS to current employer.As i heard that EPS cannot transferred with EPF automatically.Can you please clarify on the same.As it was trust so do i have to do some externally.
Sir,
I Dibyendu Karmakar used to work in ROYAL CALCUTTA GOLF CLUB (its a trustee oriented organization) from 29 th December 2011 and I submitted my resignation on 15 th December 2016 and company issued a release letter on 23rd December 2016. I received my PF amount of Rs 98,903 (self contribution only),and rest to be settled at the time of attaining 58 years of age.
Sir where I worked only 5 years, so as I think I should be cleared all my dues by my company.
Please guide me with a appropriate answer, because I need the money urgently due to my wife’s illness.
Dear Team,
Can anyone let me know how to access our PF passbook if in case the required employer PF is managed through trust / exempted employers.
Thanks In advance.
You have to contact Payroll/Finance Department of your company
Hello Admin,
I have 3.4 Years Exp. working in TCS. I am trying to withdraw my PF form epfindia.gov.in but there is show some error like below
” As your establishment is exempted in PF, please submit your withdrawal case to concerned Trust.”
what is the meaning of above error.
Thanks
Hareesh let me get it straight:
You are still working in TCS.
TCS has a trust to maintain PF funds of employee, a private trust.
Till you are working with TCS the money is in TCS trust fund.
Only when you leave TCS you can withdraw from TCS or transfer from TCS.
Hi,
I also want to withdraw while working in TCS.
If anyone can withdraw from govt managed epfo. Same rule of partly withdrwal is not applicable for trust managed epf?
How can i do part withdrawal while working in tcs?
Good, informative Article… Cleared all my doubts.
Dear Sir,
I have a PF account/amount with my previous employer and it is maintained by their own trust. I moved to abroad in Jan 2015 and am no longer with that company. I haven’t withdrawn the PF amount yet. I thought that I can still get the interest on top of the accumulated PF amount up to 3 years. Is it applicable for trusts as well or only EPFO?
Hi,
Yes. Interest gets accumulated.
I have one question. 15G/H cannot be submitted to Private Trusts for tax relief?
Hi,
I made my pf withdrawal from 20 days before(employer-exempted trust).I cannot see the application status on EPF portal.How can i know the status.Could you please answer my question.
Hi I moved from a company which had private trust to a company which doesn’t..
My prior employer is saying that they will send the cheque in name of regional PF office to my employer who will submit it .
I have two queries:
1) Is the process correct
2) How do i get the on whose name cheque is to be issued.. i know tht PF office where new office is registered is SRO KR Puram . ( as my employers dont know which name this is to be issued on)
Regards
I was working for Avery India Limited from 1971 to 1987. Thereafter changed 3 companies. I am retired now and 65 years old.
I am not sure if my PF was settled or not. While working our dues used to get credited to bank directly.
I do not have any details of my PF. I was asked for the proof of employment with Avery India Limited, I produced to them.
I approached the Avery India Limited to give me the details:
1. If settled payments details, eg. date of settlement, amount and the bank
or
2. If transferred, the name of the company and the date.
The company is not furnishing any of the above. Can you kindly let me know the recourse available to me.
Will be very grateful to your guidance.
Hi, can anybody help me out to below query:
I had UAN in my previous company, but my current company has created new UAN. I don’t know how it possible that how can two UAN has created.
Please suggest that how can get rid of this problem. your response will very valuable for me.
Thanks,
Kapil
Dear sir
i am working in exempted Establishment ( PSU) it is exempted from income tax and TAN number is compulsory ? can you clarify me sir
Thank you
employer not providing annual pf statement where to complain
my employer whichmaintains epf accounts does not provide annual statement where to complain
My previous employer sent the of settlement cheque to regional of office 7 month ago. But the current employer is not aware and did not get the transfer from regional of office. I just want to know if the transfer happen today then is there loss of interest for past 7 months.
Hi i want to know about form 11 ? Can employer know the details through this form of employee i.e. Last date of in previous organisation and PF amount.
hi Sir,
I was working in TCS till last year Nov 17 moved to another company. I have applied for PF transfer and this is also completed under my UAN both my previous Employer and Current Employer’s PF numbers are reflected. But when am checking my PF balance it shows only Current Employers amount without the TCS amount. Where did my money go? Please reply what should be my next steps
hi B. Dkukreti,
I Hope you transfer your PF Amount in Recent. Please wait some time for the same it will update as soon. it is pending from Present PF Regional Office. You should be submit a grievance on EPFO Portal on employee portion for the same.
It is difficult to give any date or time for update your passbook.
Please check once your KYC Details it should be updated in your portal for new passbook download.
I hope you have cleared your issue.
Thanks and Best Regards,
Sushant Tanwar
Dear sir,
You can edit your details online by grievance portal of uan. After you provide the details of grievances of wrong entry of father’s name or address or anything just drop a written complain, with valid id proof scanned in pdf document. The grievance cell of respective EPFO office will attain your complain and change the details on furnishing valid ID proof.
Thanks for the information. It would be helpful to our readers
can a wholly owned subsidiary contribute its EPF to private trust formed by its Holding company
Hi,
This is indeed a helpful information and I am not much aware of the whole PF transfer process. I have a query. It will be very helpful if someone can help me in this regards.
The Service change is like below –
TCS -> Capgemini -> IBM
The PF amount is transferred from TCS to Capgemini and now from Capgemini to IBM in process. Now I am not sure about the EPS amount. I guess TCS and Capgemini maintain Private Trust and IBM don’t maintain Trust as I can see the passbook of IBM contribution in UAN portal but was not able to see when I was in Capgemini.
Now, my question is do I need to follow any separate process to transfer the EPS amount to the current establishment or it’s done automatically. As when the amount was transferred from TCS to Capgemini, I saw only EPF amount not the EPS.
Can Private P. F Trust registered under I Tax Act 1961,
Hold Employer’s contribution for any reason after submissionof resignation….who is the Authority controlling such Trusts.
The Employer can withhold their contribution to the PF in case of Wilful misconduct/dismissal. The misconduct has to be proved in the domestic enquiry. PF is a statutory right. HOwever, in cases of dismissal, employer’s withhold their share of the contribution. The employee receives funds only to the extent of his contribution.
Can we withdraw the employer’s contribution of EPF during separation in case of EPF private trust like TCS /Accenture ?
Yes you can withdraw employer’s contribution also from EPF private trust.
I have joined a PSU, which is EPF exempt.I want to transfer my funds from my previous organisation which maintains EPF with EPFO. Reading various articles, I understand that my attestation will have to be done by my new employer since they will have their own bank account and IFSC code. But while checking on online claims portal, I can input details of previous EPF(since it is not exempted). But I don’t know how to fill details of my new employer which is EPF exempt.
Somebody please help me.
can any body help how can we see pf amount of the employee if it is in pf trust (Exempted)
hi Kartheek,
Please contact your employer PF Trustee member and you can take balance for your PF Contribution.
Thanks and Best Regards,
Sushant Tanwar
Hi
i want to transfer my pf amount from previous org to current org.
my current org is some private trust pf but pension is in epfo.
if i will transfer both pf and pension amount will credit to new account or not.
or only pension acoount wil credit?
where i can track this?
thanks
Very informative article. Was looking for one such article from a long time. Would like to share one thing that employees of companies which fall under exempted category are not able to see there balance/passbook online from UAN official website. Such employees have to depend on their company for providing such details.For example- I am in a PSU that fall under exmpted category and hence I am not able to see my balance online. My company provides the statement annually.
Thanks for sharing. We have updated the article.
But your EPS part, that is in the EPFO right? Your company’s statement would provide information about that too.
Have you felt that that EPF Trust are not transparent? is it easy process of moving out from EPF when one gets a new job?
Hi sir I have leave TCS in July 2019 which is exempted establishment and join non exempted establishment.I have requested for transfer of PF with form 13.TCS has transferred my pf to RPFC KOLKATA SALT LAKE with UTR no in Nov 2019.
Still it is not reflecting to my passbook raised grievance which is closed in 2020 Jan. Mentioned that your amount will credit very soon.Another grievance raised Aug 2020 closed with your matter given to concerned department.
Whenever it get resolved can I get interest.
Is my money safe.
Need your urgent help to get it resolved….
Many thanks in advance
Very informative article. Was looking for one such article from a long time. Would like to share one thing that employees of companies which fall under exempted category are not able to see there balance/passbook online from UAN official website. Such employees have to depend on their company for providing such details.For example- I am in a PSU that fall under exmpted category and hence I am not able to see my balance online. My company provides the statement annually.
Thanks for sharing. We have updated the article.
But your EPS part, that is in the EPFO right? Your company’s statement would provide information about that too.
Have you felt that that EPF Trust are not transparent? is it easy process of moving out from EPF when one gets a new job?
Sir,
I am regular subscriber of your blog since last 6 month and asked some question in which you have replied the same.I have seen various blog regarding e.p.f and private p.f.trust,but only your article is 100% correct whereas others blog can not be explained except you in very simple language. I thasnk you very much and wish your bright future.God bless you.