u/Live_Orchid1689

Guys,

My friend is looking for a room mate.

Location - Sriperumbudur

Total Rent - ₹6000 + EB usage split between 2

Advance - one month rent.

All basics necessities like fan, gas stove available.

DM if needed.

TL;DR: Contractor deducted PF from my salary every month for 13 months but credited only 4 months to my passbook, and even 2 of those 4 are short due to wage under-reporting. Filed 8+ grievances over 13 months. EPFO keeps closing complaints after addressing only the easiest issue, ignoring the rest, and in the last closure they even got the basic facts wrong. I resigned and cannot file final settlement because my passbook balance is incorrect. Exhausted and out of patience.

I don't even know where to start. I am writing this at a point where I have genuinely lost faith in the system. But I am putting this out here because maybe someone else is going through the same thing, or maybe someone knows something I don't.

How it started

I worked at a manufacturing company through a contractor. From the very first month, my contractor was deducting PF from my salary every single month. I checked my passbook and saw nothing. I waited. I followed up internally with HR. Their response: "digital signature ownership transfer issue, please wait."

I waited. Nothing.

Months passed. PF kept getting deducted. My passbook told a completely different story.

Out of 13 months of employment, here is what actually got credited to my passbook:

• May 2025: credited but short. Employer reported wages as Rs. 10,161 instead of actual Rs. 10,500. Contribution short credited as a result.
• July 2025: credited but short. Same under-reporting, same shortfall.
• August 2025: credited correctly.
• January 2026: credited correctly.

That is it. Four months out of thirteen. And two of those four are wrong.

April 2025, June 2025, September 2025, October 2025, November 2025, December 2025, February 2026, March 2026, April 2026: either sitting in limbo or never remitted at all.

This money was taken from my salary every single month. It is sitting somewhere that is not my PF account.

What followed was 13 months of fighting a system that does not care

I filed grievance after grievance on CPGRAM. Each time EPFO would respond with something vague like "necessary action will be taken as per SOP" or "Enforcement Officer has been deputed." Nothing would actually happen. I would wait. File again. Get another vague response. Closed. Repeat.

At one point an Enforcement Officer was actually deputed. A formal notice was issued to the employer in December 2025 directing remittance from April 2025 onwards. The employer finally remitted an arrear payment in January 2026. But here is the thing: the arrear covered only June 2025 to December 2025. April and May 2025 were left out despite the directive explicitly covering from April. Nobody at EPFO questioned this. Nobody followed up.

And even that arrear remitted in January 2026? Months later it was still not fully reflecting in my passbook. Only some months from that challan appeared. The rest were missing.

I filed yet another grievance specifically about this.

Then came the closure that genuinely broke me

I filed a detailed complaint clearly listing every pending issue. I explicitly mentioned February and March 2026 contributions missing. I sent a reminder after 80 days of no response, again explicitly flagging February and March 2026.

EPFO's closure response? They said the technical team resolved the issue and amount is reflected in member ledger. Advised me to check passbook.

I checked. Still missing.

But that is not even the worst part.

Their closure remarks stated the arrear covers "April 2025 to October 2025." The actual arrear challan in my hand clearly shows it covers June 2025 to December 2025. They got the basic facts wrong in their own closure response. April 2025 has never been remitted in any challan ever. They just wrote it as if it was covered, closed the file, and walked away.

February, March, April 2026 contributions: not mentioned anywhere in their response. Complete silence.

They closed a complaint as resolved using incorrect facts while ignoring half the issues entirely.

Here is the complete list of what is still pending

• June, October, November, December 2025 from the arrear challan still not reflecting in passbook despite employer remitting in January 2026
• April 2025 contributions never remitted in any challan ever, and EPFO's closure wrongly claims it was covered
• May and July 2025 wage under-reporting never corrected, shortfall never recovered, correction ECR never filed
• February 2026 contribution deducted from salary, not remitted, explicitly raised, completely ignored
• March 2026 contribution deducted from salary, not remitted, explicitly raised, completely ignored
• April 2026 contribution deducted from salary, not remitted

What makes this situation worse

I resigned in April 2026. I cannot file my final PF settlement until my passbook reflects the correct balance. Every single month of delay is directly blocking me from accessing my own money that was deducted from my own salary.

I have done everything right. I escalated internally first. I cited specific legal provisions in my emails to both contractor and principal employer HR. I documented everything. I filed grievances systematically with supporting documents every time. I sent reminders. I followed up.

None of it mattered.

EPFO consistently responds only to whatever requires the least effort. The data sync fix for the arrear is a technical ticket they raise internally. Done in a day. The Feb, March, April 2026 non-remittance requires them to actually pursue the employer, initiate enforcement, follow up. So they just pretend those issues do not exist and close the file.

This is not an oversight. This is a deliberate pattern across every single grievance I have filed over 13 months.

What I have done so far

• Escalated internally to contractor and principal employer HR repeatedly from July 2025
• Cited EPF Act Sections 6, 8A, 7Q, 14B, 14(1A), 14(2) in formal emails
• Filed 8+ CPGRAM grievances and appeals
• Filed DPG complaint
• Sent evidence of systematic wage fraud directly to Zonal Office Chennai

I have every payslip for every month. I have passbook downloads with dates. I have every grievance number and closure response. I have the full email trail with the employer. I have the arrear challan that directly contradicts EPFO's own closure remarks.

And yet here I am.

For anyone reading this in a similar situation

Do not trust internal HR. The moment your passbook shows missing credits, start filing on CPGRAM. Do not wait months like I did.

Raise each issue in a separate complaint. EPFO will always respond only to the easiest issue and ignore the rest if you bundle them together.

Your principal employer is equally liable under Section 8A of the EPF Act regardless of what their contract with the contractor says. CC their HR on every email. They hate paper trails.

Portal grievances have a ceiling. Direct emails to EPFO officers and registered post to the RPFC carry more weight than portal submissions.

Document everything obsessively. Every payslip. Every passbook download with the exact date. Every grievance number and closure response. You will need all of it and more.

If anyone has successfully forced enforcement action against a defaulting contractor, or knows a faster escalation path than what I have tried, please comment. I am running out of options and honestly running out of patience.

TL;DR: Contractor deducted PF from my salary every month for 13 months but credited only 4 months to my passbook, and even 2 of those 4 are short due to wage under-reporting. Filed 8+ grievances over 13 months. EPFO keeps closing complaints after addressing only the easiest issue, ignoring the rest, and in the last closure they even got the basic facts wrong. I resigned and cannot file final settlement because my passbook balance is incorrect. Exhausted and out of patience.

I don't even know where to start. I am writing this at a point where I have genuinely lost faith in the system. But I am putting this out here because maybe someone else is going through the same thing, or maybe someone knows something I don't.

How it started

I worked at a manufacturing company through a contractor. From the very first month, my contractor was deducting PF from my salary every single month. I checked my passbook and saw nothing. I waited. I followed up internally with HR. Their response: "digital signature ownership transfer issue, please wait."

I waited. Nothing.

Months passed. PF kept getting deducted. My passbook told a completely different story.

Out of 13 months of employment, here is what actually got credited to my passbook:

• May 2025: credited but short. Employer reported wages as Rs. 10,161 instead of actual Rs. 10,500. Contribution short credited as a result.
• July 2025: credited but short. Same under-reporting, same shortfall.
• August 2025: credited correctly.
• January 2026: credited correctly.

That is it. Four months out of thirteen. And two of those four are wrong.

April 2025, June 2025, September 2025, October 2025, November 2025, December 2025, February 2026, March 2026, April 2026: either sitting in limbo or never remitted at all.

This money was taken from my salary every single month. It is sitting somewhere that is not my PF account.

What followed was 13 months of fighting a system that does not care

I filed grievance after grievance on CPGRAM. Each time EPFO would respond with something vague like "necessary action will be taken as per SOP" or "Enforcement Officer has been deputed." Nothing would actually happen. I would wait. File again. Get another vague response. Closed. Repeat.

At one point an Enforcement Officer was actually deputed. A formal notice was issued to the employer in December 2025 directing remittance from April 2025 onwards. The employer finally remitted an arrear payment in January 2026. But here is the thing: the arrear covered only June 2025 to December 2025. April and May 2025 were left out despite the directive explicitly covering from April. Nobody at EPFO questioned this. Nobody followed up.

And even that arrear remitted in January 2026? Months later it was still not fully reflecting in my passbook. Only some months from that challan appeared. The rest were missing.

I filed yet another grievance specifically about this.

Then came the closure that genuinely broke me

I filed a detailed complaint clearly listing every pending issue. I explicitly mentioned February and March 2026 contributions missing. I sent a reminder after 80 days of no response, again explicitly flagging February and March 2026.

EPFO's closure response? They said the technical team resolved the issue and amount is reflected in member ledger. Advised me to check passbook.

I checked. Still missing.

But that is not even the worst part.

Their closure remarks stated the arrear covers "April 2025 to October 2025." The actual arrear challan in my hand clearly shows it covers June 2025 to December 2025. They got the basic facts wrong in their own closure response. April 2025 has never been remitted in any challan ever. They just wrote it as if it was covered, closed the file, and walked away.

February, March, April 2026 contributions: not mentioned anywhere in their response. Complete silence.

They closed a complaint as resolved using incorrect facts while ignoring half the issues entirely.

Here is the complete list of what is still pending

• June, October, November, December 2025 from the arrear challan still not reflecting in passbook despite employer remitting in January 2026
• April 2025 contributions never remitted in any challan ever, and EPFO's closure wrongly claims it was covered
• May and July 2025 wage under-reporting never corrected, shortfall never recovered, correction ECR never filed
• February 2026 contribution deducted from salary, not remitted, explicitly raised, completely ignored
• March 2026 contribution deducted from salary, not remitted, explicitly raised, completely ignored
• April 2026 contribution deducted from salary, not remitted

What makes this situation worse

I resigned in April 2026. I cannot file my final PF settlement until my passbook reflects the correct balance. Every single month of delay is directly blocking me from accessing my own money that was deducted from my own salary.

I have done everything right. I escalated internally first. I cited specific legal provisions in my emails to both contractor and principal employer HR. I documented everything. I filed grievances systematically with supporting documents every time. I sent reminders. I followed up.

None of it mattered.

EPFO consistently responds only to whatever requires the least effort. The data sync fix for the arrear is a technical ticket they raise internally. Done in a day. The Feb, March, April 2026 non-remittance requires them to actually pursue the employer, initiate enforcement, follow up. So they just pretend those issues do not exist and close the file.

This is not an oversight. This is a deliberate pattern across every single grievance I have filed over 13 months.

What I have done so far

• Escalated internally to contractor and principal employer HR repeatedly from July 2025
• Cited EPF Act Sections 6, 8A, 7Q, 14B, 14(1A), 14(2) in formal emails
• Filed 8+ CPGRAM grievances and appeals
• Filed DPG complaint
• Sent evidence of systematic wage fraud directly to Zonal Office Chennai

I have every payslip for every month. I have passbook downloads with dates. I have every grievance number and closure response. I have the full email trail with the employer. I have the arrear challan that directly contradicts EPFO's own closure remarks.

And yet here I am.

For anyone reading this in a similar situation

Do not trust internal HR. The moment your passbook shows missing credits, start filing on CPGRAM. Do not wait months like I did.

Raise each issue in a separate complaint. EPFO will always respond only to the easiest issue and ignore the rest if you bundle them together.

Your principal employer is equally liable under Section 8A of the EPF Act regardless of what their contract with the contractor says. CC their HR on every email. They hate paper trails.

Portal grievances have a ceiling. Direct emails to EPFO officers and registered post to the RPFC carry more weight than portal submissions.

Document everything obsessively. Every payslip. Every passbook download with the exact date. Every grievance number and closure response. You will need all of it and more.

If anyone has successfully forced enforcement action against a defaulting contractor, or knows a faster escalation path than what I have tried, please comment. I am running out of options and honestly running out of patience.

Guys,

I have an entrance exam scheduled on May 24, 2026 at

Anbu Exam Center Behind CRC, Christu Raj College, NH45, Trichy Madurai Bypass, Panjappur, Trichy, Tamil Nadu - 620012

I have to reach the center by 8:30. What's the best way to get there? Bus route or auto from central Trichy. Help.

My EB reading was done just today for the March/April cycle. I used 301 units, and my bill came to ₹710.

If the 200 units free rule was applied, the bill should be around ₹475 (calculating for the remaining 101 units + fixed charges). However, it seems I’m still being billed under the old "100 units free" slab.

Does anyone know when TANGEDCO will actually update their software/billing systems to reflect the new 200-unit subsidy? Is it applicable only for readings taken from today onwards, or will it be adjusted in the next cycle?

Appreciate any insights!

Hey everyone,

I am seeking advice on dealing with Axis Bank regarding an account that was opened by my previous employer in May 2025. Although it was intended to be my salary account, due to a technical error at the company, my first salary was credited to my personal bank account instead. This continued for my entire tenure (April 2025 to April 2026 - Now I resigned). Consequently, this Axis account has seen zero transactions - not a single rupee has ever been deposited, withdrawn, or transferred by me since the day it was opened.

In November 2025, after 90 days of no salary credits, Axis Bank sent an automated SMS and email stating they were converting the account from a "Salary Account" to a "Easy Access (non-salary) Savings Account." Along with this conversion came a requirement to maintain an Average Monthly Balance (AMB) of ₹2,500. Because I was not using the account, the balance remained at zero, leading the bank to begin levying penalties for non-maintenance.

The bank has now effectively pushed the account into a negative balance through several charges. Specifically, I see a "SHORTFALL IN SERVICE CHARGES CHARGENEX" of ₹300 and a "CHARGE SHORTFALL LIEN" of ₹100, totaling a ₹400 penalty. On top of this, there are two charges of ₹177 (likely the Debit Card fee plus GST). In total, I am being asked to pay over ₹750 for an account that I never consented to "upgrade" to a paid tier and never actually used.

I am aware of the RBI Circular which explicitly states that banks should not allow a savings account balance to become negative solely due to the levy of charges for non-maintenance of minimum balance. Instead of creating a "Lien" or a debt, the bank should have limited the services of the account. Since this was a corporate account that was never "activated" by a user transaction, I feel these charges are predatory and unjustified.

- How do I approach the Branch Manager to get these charges reversed?

- Can the bank legally refuse to close the account until I pay this "debt," or can I insist on closure based on the RBI guidelines regarding negative balances?

- Has anyone successfully escalated a similar Axis Bank issue to the Banking Ombudsman or the PNO (Principal Nodal Officer)?

- Since I never used the account, is there any risk to my CIBIL score if I refuse to pay and simply leave the account as is?

https://preview.redd.it/yrv35vnn4oyg1.jpg?width=1080&format=pjpg&auto=webp&s=fc0ff752986e39e78050e80f6b4024494ba63661

https://preview.redd.it/dio7fdoo4oyg1.jpg?width=1080&format=pjpg&auto=webp&s=9efa94292f488502a31e71f04a0b0b8a3f037da0

Hey everyone,

I’m currently 25 and in a bit of a headspace about my career timeline. I only have about 1 year of work experience under my belt, and I’m planning to head for an MBA specialising in Logistics Management soon. If everything goes according to plan, I’ll be graduating and re-entering the workforce at around age 27½.

Lately, I’ve been feeling the pressure of "starting late." By the time I finish my MBA, many of my peers will have 5–6 years of experience and potentially senior roles.

For those of you in this sub who started your "real" career journey in your late 20s:

• How is it going now? Did that initial age gap eventually bridge itself?

• Do you still feel like you’re "lagging" behind? Or did the maturity of starting later actually help you climb faster

• What’s your advice for someone like me who will be a "fresher" (with an MBA) at nearly 28?

I’d love to hear some honest perspectives - whether it's about the corporate grind, salary jumps, or just the mental side of seeing younger people as your managers.

TL;DR: Starting my MBA now, I will finish at age 27.5. Feeling behind. Looking for success stories or reality checks from those who started late.