r/epfoindia

I am ending my notice on 4th in current company and next company joining date is 3rd.

My manager is ready to give me an exit on 2nd.

But the PF portal is going to show 4th itself as relieving date and current company will show joining date of 3rd.

Is it going to be such a big issue?

as the title

raised claim on 5th may and today morning received 5k only

i applied under natural calamities

I’m planning to buy a car and had a doubt regarding PF withdrawal. I had already withdrawn the employee share earlier. Can I still withdraw the employer share separately?

I also tried claiming the employer share from my previous organization. The status now shows “Claim Settled,” but I haven’t received any amount in my bank account yet. Any help or suggestions would be appreciated.

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.

Hey

I joined a company 2 days back

It's the worst company I have ever seen

Very toxic environment, couldn't even manage for a day.

It's a company run by husband and wife.

They scolds very badly and shouts.It's just 2days here they have already started to shout.I need to punch even in lunch break and if late for even 5min,it will be marked as absent

I have 7yrs experience in total

And the job role here is completely different.

In probation they remove and they quote it as termination and don't give any relieving letter and don't do any bgv here.

I am only 2days in .Also I haven't signed any offer or appointment letter they haven't given yet.

They have just shared offer mail and forms

Like pf ,gratuity ,employee form

I have replied to the "offer mail"

Can they cause problem if I go and resign tomorrow

And in the offer mail they haven't mentioned anything about notice period they just mentioned my joining date and about documents.

And mentioned that I will get offer letter only after bgv.

Please help me will they ask me to serve notice period

Hi, I've worked for company ABC for a certain period of time and currently I'm in the process of joining company XYZ. The company XYZ is asking me to delink my pf record with company ABC.

Will I lose my deposits if I do that?

I raised two transfer requests (from A to C and B to C) 2 weeks ago. Both A and B had EPS issues. They have transferred Bs amount to C. But have denied transfer from A to C - stating EPS deducted even though basic >15K. Both A & B are subsidiary of C. How their 🧠 works .. simply amazing.

I had applied for Form 19, it was settled but not credited (as IFSC Code was wrong)

So money returned back to my PF account (passbook is showing the balance) I have updated my KYC as well..

Can I apply for fresh Form 19?

Please help

Hi everyone,

Need some advice regarding EPF/EPS.

My salary has always been above ₹15,000 since the start of my career. In all my previous companies, the entire employer contribution used to go to EPF and there was never any EPS contribution. I checked my old EPF passbooks too, and the EPS section is completely zero everywhere.

I recently joined a new company and noticed that they are now contributing to EPS from the employer share.

When I asked the accounts team about it, they said:

“Even though your previous employer did not remit EPS contributions, your UAN is currently registered under EPS and accordingly EPS contribution has been deducted.”

This confused me because I was under the impression that since my salary was above ₹15,000 and I was never part of EPS earlier, I should fall under the excluded employee category.

Now I’m confused about a few things:

Can a UAN be marked under EPS even if no EPS contribution was ever made earlier?

Can this happen accidentally during onboarding/payroll setup?

Will this create any problems in future during PF transfer, withdrawal, or while switching companies?

Is it worth trying to get this corrected now, or should I just leave it as it is?

Would really appreciate advice from someone who understands EPFO/payroll processes or has faced something similar.

The current company's accounts team also said in the email "As per our understanding, EPS contribution should not create any complications during PF transfer or withdrawal, as it is related to pension contribution. However, if you still wish to request any change or correction, kindly initiate a Joint Declaration request through your UAN member portal so that we can review and process the same further."

Hi everyone,

I am planning to invest in a property and need money for the flat down payment. For that, I am planning to withdraw money from my PF account. I have been working for the last 3.5 years, and the total PF amount in my account is ₹9.5 lakh. The employee and employer contributions are roughly 50%-50%.

I want to know the maximum amount I can withdraw from my PF account because I am seeing different information on different websites and YouTube videos.

Is it 100% (₹9.5 lakh)?
Is it 90% (₹8.55 lakh)?
Is it 90% of 75% of my PF amount?

Also, can my service period being less than 5 years cause any issue?

Hey everyone, hoping someone with experience can help clarify this.
So EPFO declared 8.25% interest for FY 2025-26, and based on past trends it’ll likely be credited around July 2026. I’m planning to do a full withdrawal in June before that happens.
My questions:
1. Will the pending FY 2025-26 interest (April 2025 to March 2026) still be included in my final settlement payout, even though it hasn’t been credited yet?
2. Will I also get interest for the partial months of FY 2026-27 (April, May, June) before my withdrawal?
3. The Form has an “amount” field – what do I fill there? Do I need to calculate the total myself or does EPFO figure it out?
I’ve read that EPFO calculates interest on a monthly running balance basis and it gets factored into the final settlement, but I couldn’t find a solid official source confirming this. Has anyone actually gone through this and seen the pending interest reflect in their payout?
Thanks!

A lot of people have misconceptions about this. The most common one: If you don't invest for 3 years, the account goes inoperative. That's not true.

Your EPF account becomes inoperative in exactly 4 situations:

1. Retirement (age 55+)
   The clock starts from your last deposit. You get interest for 36 months (3 years) after that. Once those 3 years are up, the account goes inoperative and interest stops.

a) Left job before 55? → Interest continues until age 58, then account goes inoperative.

b) Retired at 58? → Interest until age 61.

c) Still working at 70? → Interest until age 73.

2. Permanently settled abroad
   36 months after the last deposit, the account becomes inoperative and interest stops.

3. Death of the member
   If the nominee/family does not file a claim within 36 months of the member's death, the account becomes inoperative.

4. Failed final settlement payment
   You filed Form 19 but the payment bounced back to EPFO (e.g., inactive bank account)? If it remains unresolved for 36 months, the account becomes inoperative.

How to fix it: 1 - Withdraw: File Form 19 online for final withdrawal.

2 - Deceased member: Nominee can file a death claim.

3 - Transfer: Use Transfer Claim Form 13 to move funds to an active account.

Hi all, I need inputs on withdrawing only EPS funds or transferring to EPF. I started working in 2019, initially had basic salary less than 15k. Then switched job and basic went above 15k, but employer still kept contributing to EPS for 5 years till I switched again (don't know why, I was didn't ask and wasn't aware of rules, my negligence.) Now the EPS contribution stands roughly at 60k.

I tried to withdraw EPS contribution using 10C, but couldn't. Reason stated by EPFO: Claim Rejected RESUBMIT ALONG WITH FORM 19

I would like to know what are my options here. Thank you.

I recently noticed that there is a 1 day overlap between my previous company’s relieving date and my next company’s joining date.
The important thing is:
The overlap is reflected consistently in EPFO/UAN records
The same dates are also present in my relieving letter and joining documents
There is no fake experience or hidden employment involved
I was initially worried whether this could create issues during background verification. I checked with ChatGPT and some other AI tools, and they suggested that:
1 day overlaps are usually common because of payroll processing, PF exit updates, HR processing delays etc.
If all documents are consistent, it generally does not look suspicious
Editing PDFs or trying to “fix” old records could actually create bigger problems
The previous company is also around 5 years old now, so reopening and changing EPFO exit dates and reissuing relieving letters feels complicated and maybe unnecessary.
Has anyone here gone through something similar during BGV? Did companies care about such a minor overlap?
Would appreciate practical experiences from HR people, recruiters, or candidates who faced this.

I just got a new offer and as per my ctc the new pf employee + employer will be 11,000. It seems high to me (5500 each side). Is there a way I can get the PF back to 3600? Or there's no such option?

Employer has been saying that they have made contribution, but I cannot see anything at all. What should I do? Any solution would be appreciated.