EPF Claim Rejections: Key steps for employees before transferring or claiming provident fund

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If you need to claim your Employees’ Provident Fund (EPF), you must ensure that your information is up to date before filing a claim. The Employees’ Provident Fund Organisation (EPFO) often rejects claims if the information in an employees’ records does not match the details submitted by them, such as incorrect name, date of birth, or incomplete KYC records.

We have compiled a list of things to keep in mind before filing a claim to prevent any rejections or delays in claiming your EPF.

Every time you change jobs, ensure that you update your details on the EPFO portal to ensure seamless account transfers and smoother processing of withdrawals, in needed. The following information must be accurate:

• Employment History: Ensure all previous employment details, including joining and exit dates, are correct.
• Universal Account Number (UAN): Verify that your UAN is activated and linked to your current job.
• Bank Account Details: Double-check your bank account number and IFSC code, as incorrect banking information can lead to claim rejection.
• ID and Address Proofs: Ensure that the name, date of birth, father’s name, and gender in your ID proofs match those on record with EPFO. You can check these details through the Member Sewa portal.
• Nomination Details: Update your nominee details as required.

If any of these records are outdated or incorrect, do rectify them promptly to avoid problems when filing their EPF claim.

Once all necessary information is updated, ensure the following before submitting an EPF claim:

• Select the Correct Form: Ensure you choose the appropriate form based on your claim type, such as EPF transfer or withdrawal.
• Check Withdrawal Eligibility: Different types of withdrawals, such as PF advances or final settlement, have different eligibility criteria.
• Complete the Form Accurately: Make sure the form is fully and accurately filled out, and attach all required documents, including a cancelled cheque and ID/address proofs.
• Update KYC Details: Ensure that your Aadhaar, PAN, and bank account details are up to date and linked to your EPF account.
• Review Nomination and Profile Information: Ensure your member profile and nomination details are accurate.

The EPFO allows claims to be filed directly through the Member Sewa portal. By following these steps, you can reduce the likelihood of claim rejection.

Claim processing, account transfers, and KYC updates have been digitised to simplify your EPF experience.

Typically, withdrawal claims are processed within 20 days, although this timeline can vary. To expedite the process, you can inform your employer in advance to swiftly provide any required confirmation. It’s crucial to ensure that your details in the EPFO records match those on your PAN, Aadhaar, and other documents to avoid delays.