Uncredited PF money will return to your PF account within 4-5 days. Now immediately correct your bank details on the UAN portal and ask your employer to approve them. After approval of bank details reapply for PF, within 7-10 days you will receive your PF amount.
The main reason for not crediting PF amount is wrong bank account number (or) wrong IFSC code, so you need to correct them on the UAN portal website.
(or) Instead of updating bank details, you can also submit the PF reauthorization form to your PF office, but for this, you need to visit your PF office and employer for signatures.
I recommend you to reapply for PF online because it is an easy process.
(If your bank account is SBI, it doesn’t need employer’s approval also, for other banks employer approval is mandatory to update new bank details on the UAN portal).
EPF Claim Settlement Process
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 account number and IFSC code on the UAN member portal
PF claim settled means your claim was approved by the 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
“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 the 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 receive your PF money.
1. Correct Bank Account Details at UAN Member Portal
If you have claimed your PF amount online in the UAN member portal, then correct your bank account details at the 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 the 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 the 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
If you still don’t know the proper reason for the non-settlement of the PF claim then you can contact the EPF grievance portal. You need to raise a grievance at the 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 claims | 20-30 days |
| For online claims | 3-20 days |
| After the claim settled payment & sent via NEFT message | 2-3 days |
| During bank holidays | After 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 is not received in your bank account then the amount will be reversed back into your PF account within 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 4-5 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 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 the PF portal. In case if you have any other bank problems like an 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 Name | NEFT Timings | NEFT Timings |
| Monday – Friday | Saturday | |
| State Bank of India | 8 am – 7 pm | 8 am – 1 pm |
| ICICI Bank | 8 am – 6.30 pm | 7 am – 6.30 pm |
| HDFC Bank | 8 am – 6 pm | 8 am – 6 pm |
| Kotak Mahindra | 8 am – 6 pm | 8 am – 12 pm |
| Citi Bank | 8 am – 5.30 pm | 8 am – 5.30 pm |
PF Transfer Claim Settled but Not Credited
If you have submitted PF transfer form 13 either 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 the PF transfer process only the PF amount will transfer into your new PF account, the pension amount will no transfer, it will be saved as service history.
So if the pension amount doesn’t transfer then it is doesn’t mean that your claim is not transferred. To know more details read why my pension fund was 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 the 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 a 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 you can use the PF reauthorization form.
Also read:
Sir ,my claim is already settled and i got the msg as well that the amount will be credited within 2-3 working days on 27 Jan still the amount not credit pls suggest what to do sir
27 Jan means it is too late. Maybe your bank account details are wrong so pls check them on UAN member portal. If they are wrong update the correct bank account details and ask your employer to approve them.
After approval, you can reclaim your PF amount.
Hi Rajesh,
In epf portal my claim status has been updated as settled and payment sent via NEFT on 1st February but still I didn’t receive the money into my bank account.could u plz help in this
My claim has been settled on 1st Feb and it shown amount has been sent via NEFT on the same day but still amount is not credited into my bank account
If your bank account details are correct then sure you will receive your PF amount within 1 or 2 days, so pls check them.
I received message on 30th January 2021that my PF is approved and amount will be send to bank soon but till now it haven’t credited.
If your bank account details are correct then may be today you will get your PF amount in your bank account.
Hi this is satish,
I had applied for advance claim online on 28/10/2020 and the claim was settled on 04/11/2020 but on 03/11/2020 the my bank account was closed. Since then when ever i check my claim status till today it shows claim settled but it does not show claim settled but returned please assist because my pf regional office is in gurgaon and i reside in mumbai…
Please assist
Please raise a grievance in the PF grievance portal, they will let you know whether your PF amount is transferred or not (max 48 hrs they will reply.
In the meantime activate your bank account or update new bank account details in the UAN portal.
My bank account number was incorrect so amount was not credited. How long will it take to get the amount back in PF account. Grievance portal has confirmed that the NEFT was rejected.
From Levin
Sir/Madam,
we unable to create password in Member Portal, kindly check
Hi,
Applied for PF withdrawal and it has been approved and sent through NEFT but haven’t got the amount credited.
Can I approach the regional office.
Generally, it will take 2-3 days to receive the PF amount in bank account after claim settlement. If you haven’t received your PF amount even after 3 days also then raise a grievance at the PF portal or visit your PF office directly, but before that pls check whether you have given bank account details in UAN member portal or not.
claim settled on 26 jun 20 and payment sent vua neft on 26th 2020 but payment not yet credited in bank account.
Pls check whether you have given correct bank account details or not, that is the only problem in such cases.
Did you receive your claim amount as i have a same issue,
Claim has been settled on 26th of October but till today i didn’t receive that,
What to do?
hi,
I HAVE APPLIED ONLINE CLAIM FOR PF ADVANCE ON 16/05/2020 GOT SETTLED ON 18/05/2020 HAVE CHECKED IN PORTAL IT GOT SETTLED ON 18/05/2020 BUT NOT CREDITED THE ACCOUNT,MY KYC UPDATED IN PORTAL ARE CORRECT AND CHEQUE I HAVE ATTACHED IS PROPER ACCOUNT NO AND IFSC CODE IS PROPER AND VISDIBLE PROPERLY BUT AMOUNT NOT CREDITED IN MY BANK
I have a same issue, did you receive the claim amount,
What to do now can you please help me
I online claimed; got message our amount settled on date 20/04/2020 and should be settled with in 2-3 working days…
But till date not received.
I checked KYC all is ok.
Claim for Covid-19 advanced pf amounts in my EPFO.
Sir my name salman I did claim for Covid19 advanced pf amounts in my EPFO account. I check my claim status it is showing as settled on 07th april Portal,but still not credited to my account, after checking in kyc portal my account has added with extra 3 zeros,so I have raised for changes for incorrect account in KYC and informed my employer to approve and also I have raised Grievance for non settlement,I got an response it is settled already and given email id :csd.roamb@epfindia.gov.in/ to submit bank statement and same has been done, but no response for more than 20 days,can you suggest how to handle this situation.
If your bank account details are wrong then sure your amount will not credit into your bank account, that amount will again recredit into your PF account. So check your PF passbook, if the amount recredited then reclaim your PF amount after updating your bank account details.
Still, if your PF amount no credit back into your PF account then contact your bank branch.
I have applied Covid 19 Adavnced PF on 21/04/20. and its showing settled on 22/04/20 in web portal.
But till now amount not credited to my bank account.
I checked KYC documets. all are fine.
Then it may be pending at your bank so please contact your bank branch, but before that check whether your bank account number and IFSC code mentioned in UAN member portal are correct or not.
Hi sir am applyed final settlement it’s shows settled and my account details also perfect but amount is not credited in my account
It may take 2-3 days to credit PF amount to the bank account after settled status.
Sir ,my claim is already settled and i got the msg as well that the amount will be credited within 2-3 working days still the amount not credit pls suggest what to do sir
If you have given correct bank account details you don’t need to worry about it…Today and tomorrow you don’t receive due to bank holidays, maybe you will receive it on Monday or Tuesday.
Dear sir,
I have same issue, that i did claim covid 19 my claims settled 8 April but amount not credit in my bank account.but later observed that IFS code is in correct. now what to do?
Hi this is Anish Kumar i have claimed my epf amount in advance on 12th march 2020 and pf amount was settled but i didn’t receive any amount till now, The NEFT transfer was happened on 09 th april 2020
can you tell the solution for this
Have you checked your bank account number and IFSC code in your UAN member portal?
Every thing was cleared i checked thrice
Have you received the amount now? Please tell…
My Covid-19 Claim is settled on 13/04/2020. But till now money is not credited into my account. Everything is seeded with kyc. I’m not understanding what to do.
Have you checked your bank account details like your account number and IFSC code in UAN member portal, because even a small mistake in bank account details will make noncredit of PF amount.
I have the same issue. Bank account number pan and aadhar is all correct. But amount is not credited in account. Settlement email is received on 13 April. Any idea why there is delay. Is this something with lockdown
Sir this is with reference to my Claim Id – APHYD200450015002 for Covid19 advance. I received the confirmation that my claim has been Settled & Payment sent via NEFT on – 09-APR-2020 will be credited to my bank account within 3 working days. Today is 15th April 2020 but the claim amount still not yet credited to my bank account.
Have you received? I am facing same issue.
Hi did you get pf amount? What is the issue
I am facing same plm covid 19 adnavce settled in 20 April via neft in 20th April. But still date not receive money.. What’s plm
I am facing same plm covid 19 adnavce settled in 22 April via neft in 22th April. But still date not receive money.. What’s plm
My nane is manish i did claim covid 19 my claims settled 7 April but amount not credit in my bank account
Hi Manish, did you get pf amount what is the issue?
Sir my name chandra mohan I did claim for Covid19 advanced pf amounts in my EPFO account. I summited Form on 7th april 2020 and cheak my claim status in 10th april Portal showing is claim is seattle but money is not credit my given account. So plz tell me How many days taken for NEFT Transfer In member Account .
Generally, it will be credited into bank account within 2-3 days, today and tomorrow are bank holidays so may get your PF amount on Monday or Tuesday.
chandra mohan have your pf ammoun credited in your bank account?
Hi Chandra Mohan you got pf amount what is the issue
have you got money sir?