5 Mistakes That Will Cause Your EPF Claim to Be Rejected

It takes a maximum of 20 days to receive the PF amount in your bank account after applying for the claim online. However, if your claim gets rejected due to any mistake, you will have wasted the previous 20 days, and you’ll need to wait another 20 days to reapply.

I have 10 years of experience with PF-related issues, so here I will share the top 5 tips to avoid PF claim rejection.

#1 Insufficient Service

EPF members should wait a minimum of 2 months to apply for PF and pension withdrawal from their date of exit.

To become eligible to withdraw the pension amount, you need to contribute at least 6 months to the EPF pension account.

If you apply for the PF amount before this period, your PF claims will surely be rejected.

#2 Name Not Printed on the Cheque/Joint Bank Account

Some cheques don’t have the account holder’s name on them. So, make sure whether your name is printed on your cheque or not. If not, apply for a new cheque book and upload the cheque copy once you get it. There is no need to write “cancelled” on the cheque, but if you want, you can do that.

Some EPF members use joint bank accounts for PF claims; however, EPFO doesn’t accept joint accounts. You should use your individual bank account only for PF withdrawals.

#3 Not Submitting Form 15G

Not everyone needs to submit Form 15G with their PF claim. You should submit Form 15G only if you are withdrawing a PF amount of more than ₹50,000 with less than 5 years of service. In that case, you must submit Form 15G. If the PF amount is less than ₹50,000 or your service period is over 5 years, you don’t need to submit Form 15G.

#4 Father’s Name Mismatch in Bank Account/PF and Aadhaar

EPF officers will check your personal details in PF records with your Aadhaar details. If your father’s name in the PF account doesn’t match the name on your Aadhaar, they will reject the claim. So, make sure your father’s name is the same on both your Aadhaar and PF account. You can check this on the UAN member portal.

If there are any spelling mistakes or incorrect names, you can correct them by submitting a joint declaration form to your EPF office. Unfortunately, at present, we cannot correct the father’s name online on the UAN member portal.

#5 Wages More Than ₹15,000

This issue occurs when employers calculate pensions on a basic wage above ₹15,000. As per EPF rules, pensions should not be paid on wages exceeding ₹15,000. If the employee’s basic wage is above ₹15,000, the pension should only be calculated up to ₹15,000.

However, some employers mistakenly calculate the pension on wages above ₹15,000. In such cases, your PF and pension claims will be rejected. You will need to contact your employer, who will then submit PF Form 3A to the EPFO office. If your employer is not cooperative, you can register a PF grievance.

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