EPF Claim Settled Via NEFT but Not Credited in Bank Account

EPF members will receive their PF amount through NEFT within 1-3 working days of the bank from the date of PF claim settlement, if you don’t receive then you have to check your bank details in your UAN member portal. ( bank account number & IFSC code).

PF claim settled means your claim was approved by EPFO office and they sent the amount to your bank account through NEFT( National Electronic Fund Transfer).

Now depending on your bank you will receive your PF (form 19) and pension (form 10C) amounts within 1-3 working days.

Some EPF members immediately check their bank account after getting a claim settlement message that whether the amount is credited or not. But in reality, it will take 1-3 days time to get your PF amount in your bank account, so be patient and nothing to worry, if you have given the correct bank details in the UAN member portal.

What to Do if Your PF Amount Doesn’t Credit in Your Bank Account Even After 3 Days

In general 3 working days is the maximum time that most EPF members will receive their PF amount in their bank account. But is there any bank holidays then it might take another 1 or 2 days.

Still if you don’t receive your PF amount then the problem is with your bank details updated on UAN member portal like bank a/c no and IFSC code.

“There is only one reason for not crediting the PF amount in the bank account is wrong bank account details such as wrong bank account number or IFSC code.”

So if you are not getting PF amount into your bank account, then first check whether your bank account details are correct or not in the UAN member portal. If they are not correct then you have to follow the below steps to get back your PF claim amount.

1. Correct Bank Account Details at UAN Member Portal

If you have claimed your PF amount online in UAN member portal, then correct your bank account details at UAN portal and ask your employer to approve them. The approval process doesn’t take much time, it can be done in a few minutes.

Once your employer approves your bank account details in their employer PF portal then you need to claim your PF amount again at UAN member portal. If you want to know the complete process then read this how to correct already approved bank account details.

2. Submit PF Reauthorization Form

For offline PF claims, if you find that your bank account details are wrong then fill a PF reauthorization form with correct bank account details and submit it to your regional EPF office along with a canceled cheque or bank passbook copy. After submission of PF reauthorization form, your PF amount will credit into your correct bank account within 7-10 days.

3. Raise a Complaint at EPF Grievance Portal

PF Claim Settled But Not Received

If you still don’t know the proper reason for non-settlement of PF claim then you can contact the EPF grievance portal. You need to raise a grievance at PF portal, once your grievance is registered then you can get a reply from your regional EPF office with a proper reason.

4. Use EPF Social Media Platforms

If your problem was not satisfied by the above options, then the final option is to take your problem to the EPFO through their social media platforms especially EPFO Twitter Account. Nowadays EPFO is very active on Twitter and they are addressing each and every query of EPF members so you can use their Twitter account to address your problem.

Here is the EPFO Twitter Link: https://twitter.com/socialepfo?lang=en

5. Visit your regional EPF office

If your problem is not solved with all the above options, then it is better to visit your regional PF office directly and meet the PF officer. Visiting your regional EPF Office will solve 99% of EPF claim settlement problems. If you don’t know your concerned PF office then ask your employer, they will give you the information about your concerned EPF regional office.

How Many Days It will Take to Receive PF Amount

For offline claims20-30 days
For online claims3-20 days
After claim settled payment sent via NEFT2-3 days
During bank holidaysAfter bank holidays.

FAQs on PF Not Credited in Bank Account

Will Banks Return Non Credited PF Amount into My PF Account

Yes, if your PF amount not received in your bank account then the amount will be reversed back into your PF account with in 7-10 working days. You can check the returned amount in your PF passbook.

Should I Need to Wait for Return of My PF Amount to Reclaim

It is better to wait for at least 7 days from the date of claim settlement, still, if you don’t receive your PF amount in your bank account then you can reclaim your PF either in online or you can also submit a PF reauthorization form, irrespective of whether your PF amount returns back into your PF account or not. (Because it will be done automatically)

Do I Need to Visit Bank If My PF Amount Not Credit

No, there is no need to visit your bank. If you find your bank account details are wrong then correct them in PF portal. Incase if you have any other bank problems like inactive bank account then you can visit your bank to resolve the issue.

How PF amount will be credited

Employee Provident Fund Organization (EPFO) sends EPF claim amount through NEFT ( National Electronic Fund Transfer). NEFT is an electronic money transfer system to transfer money from one bank account to another bank account.

The time taken for PF withdrawal depends on the NEFT timings of your bank. Earlier EPFO used to issue cheques but not the entire payment process is happening via NEFT only.

NEFT timings of some popular banks

Bank NameNEFT TimingsNEFT Timings
 Monday – FridaySaturday
State Bank of India8 am – 7 pm8 am – 1 pm
ICICI Bank8 am – 6.30 pm7 am – 6.30 pm
HDFC Bank8 am – 6 pm8 am – 6 pm
Kotak Mahindra8 am – 6 pm8 am – 12 pm
Citi Bank8 am – 5.30 pm8 am – 5.30 pm

PF Transfer Claim Settled but Not Credited

If you have submitted PF transfer form 13 either in online or offline then you need to wait for at least 30 days. Once the PF transfer to your new PF account then you can withdraw it. But remember while PF transfer process only PF amount will transfer into your new PF account, pension amount will no transfer, it will be saved as service history.

So if pension amount doesn’t transfer then it is doesn’t mean that your claim is not transferred.  To know more details read this why my pension fund not transferred along with PF.

PF Claim Settled But Full PF Amount Not Credited

This is another rare case where EPF members receive PF claim amount but they don’t’ get full PF amount, it happens rarely. So before applying for a PF claim it is better to check your PF passbook, so that you will have an idea about how much PF amount you will receive.

And remember if you have applied for both PF and pension by submitting PF form 19 and 10 C respectively then you will receive both amounts in few hours gap.

Still, if you find you don’t receive your full PF amount then raise a grievance at the PF portal, they will tell you the exact reason for less PF credit.

Can I Submit PF Reauthorization Form for Online PF Claims

Yes, even for online claims also when they do not settle due to incorrect bank a/c details then they can submit PF reauthorization form or they can reapply for the claim, it is your choice.

Also read:

871 thoughts on “EPF Claim Settled Via NEFT but Not Credited in Bank Account”

  1. माझ्याकडे ऑनलाइन पोर्टलमार्फत विनंती आहे आणि मी 30 March 2020 रोजी विनंती सबमिट केली
    याक्षणी स्थिती प्रक्रियेत दर्शवित आहे.
    ऑनलाईन 3 दिवसात होईल असं Covid 19 फॉर्म भरला तर येईल
    आपल्याला हे माहित आहे की ही प्रक्रिया किती दिवसात पूर्ण होईल.
    उना क्रमांक 100962612315



    • If your employer approves your new bank account details then you can claim your PF amount, after your employer approval your new bank account details will visible in digitally approved section of KYC in UAN member portal.

  4. My claim is showing settled but i didn’t received amount in my bank account, even i cross verified my bank account and there is no issue with bank account.

  5. Previous PF transfer Claim submitted But Full PF Amount Not get transferred to present pf account.
    I have raised online request to transfer previous pf into present but the transferred has not done correctly, while checking on passbook the amount is still showing on it and the status is showing Claim has been Settled, when I’m trying to resubmit again, it says claim has already summited. I’m very frustrated for a long time still the amount is in that pf account.

  6. Hi, I have received msg from PF office that amount will be credited in 3working days but now its almost 10days and i have not received my claim amount and in pass book its showing claim settled via NEFT but i have not received any amount yet. although the Bank details and mob no. everything is correct.
    Can anybody please help me on this Please.

  7. my PF amount has been settled on 22nd Nov’19. I have checked the passbook from there also the amount has been deducted. NEFT date is 22nd Nov. Today is 27th Nov’19, still i have not received the PF amount in my bank. How many days it takes to deposit the money. If PF amount is deducted from my passbook records, If NEFT has also been done, then where is the money gone. bank A/c number and IFSC is also correct. Some one plz suggest what has to be done???

  8. 29 th oct 2019 coming msg after 3 working day credited to in your account. and another msg 5 th november 2019 3 working days 3 working day credited to in your account . but Still today not coming in ammount please suggest me,

  9. My bank details are correct but still I didn’t received amount Nov 15th 2019 is my NEFT dispatched date till now not received please. Suggest me

  10. My EPF amount settled on 8th November 2019 But amount is not credited to my account.
    I got massage from epf against pf settled amount credit in your account in 2 to 3 working days but still amount not reflect in my account.

    Suggest me what can I do.

  11. Hi this is rakesh I have applied pf for 4 times , 3 times its get credited but those 3 times ifsc code are same bank also same , Last time I applied but different branch same bank only ifsc code changed a/c no same only . Pf it shows claim settled but amount not credited

  12. I raised an Online claim and all details were double checked and correct. Still got the settled by NEFT but returned status. What next? Do I submit a reauthorization form or wait for the amount to get back to my account and reapply?

  13. Hi,
    my claim is showing settled but still didn’t received amount in my bank account,even my bank detail is corrected, claim settled on dated 14/Oct/2019 and today’s is 19/Oct/2019 but amount not credited, what should i do.Please suggest, How many day’s take for the credit the amount…?

  14. I have applied for pf online claim but due to incorrect bank details even though claim is settled it got returned.How many days will it take to return back to my epf account and the amount can be viewed in pass book.

  15. Hi sir,
    my ctc is 24014,
    basic is 11726
    hra 4600
    conyen allo 1600
    medical all 1250
    spcl all 2961
    tele all 700
    books 500
    edu allo 677

    How will my employer share and employee share of PF be calculated after deductions?

    Please help…

  16. Hi my claim is showing settled but i didn’t received amount in my bank account, even i cross verified my bank account and there is no issue with bank account
    Dispatch Date 24th July 2019 and today its 29th July 2019, how long it will take can you help me what should i do

    • I too have been going through the same situation, don’t worry about it, I contacted their customer service via Toll Free Number and as per them the NEFT is done via cheque, which can take 7-10 working days for the PF amount to Reflect in your Bank account.


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