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 27/7/21 grievance registra in case under process.. Complaint in pf office
Today my pf passbook check amount withdrawal but epfo not send message why sir which days credit in bank account
Pf returned to pf office sir..
Second time epfo online claim By doing amount credit Will not sir
Pf passbook to not second time pf apply claim date no showing sir
Pf returned to pf office sir..
Second time epfo online claim By doing amount credit Will not sir
My pf amount Claim settled and payment sent via NEFT on 23 July evening but still amount not credited and banks details all are correct in UAN portal, may I know how much will take?
1/7/21 pf online claim applying 13/7/21 returned pf office… my bank account number wrong entered…
My correct bank account number kyc approved second time pf apply online claim which days credit sir
Your PF amount will return to your PF account within 4-5 days, in the meantime correct your bank details on the UAN portal, and ask your employer to approve them, after approval reapply for PF.
Company HR sir new bank account number kyc approved sir second time 19/7/21 pf online claim sir
Hi,
My PF claim submited on 02/07/21
It is settled on 19/07/2021 but I didn’t get the amount credited. After 3 working days, while checking it shows amount settler but returned. There is no reason specified. My bank account details, IFSC everything is correct. I have raised grievance on the portal but it shows case under process. How long will it take to resolve? Do I need to reapply for it?
Please check your PF passbook whether the amount was returned on not.
If it returns then re-apply for the PF again, better to change your bank details if you have any other bank account, because if the amount returned means there is a problem with your present bank account.
Hi Sir
I had applied for withdrawal on 23 Jun’21 and as per epf account status it is settled on 25 Jun’21 and cheque is released to bank but today is 26 Jul’21 and still its not credited in my account. Bank account details are correct in my UAN account. Please suggest.
My pf amount Claim settled and payment sent via NEFT on 23 July evening but still amount not credited and banks details all are correct in UAN portal, may I know how much will take?
It may be delayed due to bank holidays, maybe today it will credit.
Thanks for update, still now not credited Rajesh
Thanks for update, Still money not credited into bank. is there any timeline Rajesh?
Today banks will open, may be by the end of today you get your PF amount.
Hi Rajesh,
Today also not credited to my bank account, Can I raise anything?
Wait, until today end of the day, still not credits, then check your bank details on the UAN portal.
Hi Rajesh,
still money not credited to my account, Can I raise anything? Please do needful
I checked UAN portal, still showing payment sent via NEFT on 23 July but money not credited. Banks working hours completed, is there any chance to credit today(kotak bank)
Hi Rajesh,
I checked UAN portal, still showing payment sent via NEFT on 23 July but money not credited still now, can I raise anything? my bank is kotak bank
Maybe your bank details are wrong, so better check them, if they are correct then contact your bank to know the status.
Hi Rajesh,
Two months back I applied PF but that time credited same bank account. now this time why it takes so long when I ask bank people, they will ask Transaction ID, is there any chance to credit today?
Hi sir i raised claim now but it’s not showing end of the pdf form what can I do if it nessesary
Hi..I apply 6/7/21 pf advance they settled 7/7/21 but they send old IFSC code now I got new IFSC code what to do without ofline any online salution is there means pls tell me
It will return to your PF account in 4-5 days, in the meantime correct your IFSC code on the UAN portal and reapply for PF, after it returns.
I have raised complain on 12th July and my claim settled showing on 13th July but no amount debited from PF account and also didn’t get any message for claim settled. What to do?
It may credit today to your bank account.
Hi sir epfo claim settled amount not credit in my bank account but returned pf office why
It happens when your bank account number or IFSC code is wrong in UAN member portal.
Sir my pf passbook to no amount which days returned my pf passbook amount next online claim si
It will take 4-5 days to return after 5 days reapply for PF amount.
Epfo claim settled amount not credit in my bank account 1/07/2021 online claim.
5/7/21 message pf claim settled. Nft
I am IRFAN KHAN. I APPLY PF WITHDRAL . I RECEIVED MESSAGE 23 JUNE YOUR CLAIME SETTELE IN 3 WORKING DAYS . BUT 7 DAYS AFTER NOT CREDIT MY AMOUNT IN BANK ACCOUNT . MY DEATIL ARE TOTAL CORRECT .WHAT ARE I M DOING
If your bank details are correct then your PF amount has to be credited with 2-3 days.
Hence it was already delayed, so register a complaint on the EPF grievance portal website, they will tell you the exact status of your claim.
I got the message on 16-06-21 that PF amount is settled and sent via NEFT but haven’t received till now i have checked in UAN portal and all my bank details are correct what to do.
16 June means it was so long, you have to receive your PF amount within 2-3 days. As you are saying your bank details are correct raise a complaint on EPF grievance portal they will give a solution.
PF settled but credited to wrong bank account how to raise the complaint to get back the money from different account?
If you have given the wrong bank details then your PF money will be returned to your PF account. In case, if you are sure about your money is credited to another person’s bank account then you have to contact your bank.
have same issue, that i did claim covid 19 my claims settled 5 feb-2021 but amount not credit in my bank account.but later observed that IFSc code is incorrect ( Same Bank But Other Branch). now what to do?
Reply
PF CLAIM SETTLE ON 17-JUN AND MASSAGE ALSO RECEIVE THAT 1 TO 3 DAYS AMOUNT TO BE CREDITED IN ACCOUNT BUT STILL IT WILL NOT CREDIT. Partially withdrawal for alternation of house. Pls advise
Check whether your bank details (a/c no & IFSC code) are correct or not in the UAN portal, if they are not correct then the amount will return to your PF account.
Rbl bank account not credited money of my pf advance claim amount. But claim settled in 16-june-2021.but account nonifsc and name correct in uan portal
This all questions only 1 answer.Bank details in correct.understand carefully I will tell.
some reasons
1.Pf name and bank account name check(it means epfo portal u will check the name definitely most of the peoples are mismatched for given bank account names.
Pension amount received but pf amount not credited my bank account
EPF Claim Settled Via NEFT but Not Credited in Bank Account
Same here
have same issue, that i did claim covid 19 my claims settled 5 feb-2021 but amount not credit in my bank account.but later observed that IFSc code is incorrect ( Same Bank But Other Branch). now what to do?
Update bank account details again on the UAN portal and ask your employer to approve them, after approval reapply PF.
(or) submit the PF reauthorization form to your PF office.