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EPF account holders have the option to withdraw funds under specific circumstances during and after their employment. Ensuring a smooth process involves keeping track of the EPFO claim status. Staying updated is crucial for individuals to know the progress of their claim process. This article delves into the intricacies of PF claim status in India.

What is EPF claim status?

EPF claim status refers to the most recent information regarding an application for EPF withdrawal. It offers insight into the progress of the claim process, allowing applicants to proactively address any errors or delays.


Eligibility to Apply for EPF Claim

Here are the eligibility criteria for EPF claims:

Eligibility criteria Claim percentage Condition
Age of 55 or older 100% Can claim the entire EPF corpus.
Age of 54 (1 year before retirement) 90% Can claim 90% of the EPF amount.
Unemployment 75% Can claim 75% of the EPF corpus.
Continuous unemployment for 2 months or more 100% Can claim the entire EPF amount.

How to check EPF claim status?

A. Offline EPF claim

To process an offline EPF claim, follow these steps based on your documentation:


1. Composite claim form (Aadhaar):

  • If your Aadhaar and bank details are linked to your Universal Account Number (UAN) on the UAN portal.
  • Complete the form and submit it directly to your local EPFO office without needing employer verification.


2. Composite claim form (Non-Aadhaar):

  • If your Aadhaar or bank details are not linked to your UAN.
  • Fill out the form, get it attested by your employer, and then submit it to your local EPFO office.

Important note: For partial EPF withdrawals, the requirement for supporting certificates has been relaxed. Subscribers can now self-certify their claims, simplifying the withdrawal process.

 

B. Online EPF claim application

The EPFO offers an online facility to streamline the EPF withdrawal process, making it quicker and more convenient.


Prerequisites for online withdrawal:

  • Your Universal Account Number (UAN) must be activated.
  • The mobile number used for UAN activation must be active.
  • Your UAN should be linked with your KYC details, including Aadhaar, PAN, bank details, and IFSC code.


Prerequisites to check EPF withdrawal status

To monitor the status of your EPF withdrawal claim, make sure you have the following information available:

  1. Universal Account Number (UAN)
  2. EPFO regional office details
  3. Employer information: Details about your current or previous employer.
  4. Extension Code (if applicable)


How to verify EPF claim status online?

There are 2 ways to check EPF claim status online


1. Via the UAN member portal

The online EPF claim status can be verified through the UAN Member Portal using the following steps:

  1. Log in to your UAN Member Portal with your UAN and password.
  2. Navigate to 'Online Services.'
  3. Select 'Track Claim Status.'
  4. The comprehensive details of your withdrawal or transfer status will be displayed.

It is important to note that users who opted for an offline claim process should check their claim status on the EPFO's official website, as this portal is not applicable for offline applicants.


2. Via the EPFO portal

Individuals choosing this approach to verify their EPFO claim status online can proceed through the following steps:

  1. To check the online EPF claim status through this method, visit the dedicated portal of EPFO.
  2. Locate the 'Our Services' option.
  3. Under available tabs, click on 'For Employees.'
  4. Upon redirection to the next page, select the 'Service' option.
  5. Subsequently, access the 'Know your Claim Status' option.
  6. Enter your UAN and CAPTCHA in the designated fields.
  7. Click on the 'Search' option.
  8. Choose 'Member ID.'
  9. Finally, click on 'View Claim Status' to monitor the progress of your PF claim.


How to check claim status using the EPF account number without UAN?

Employees can also check their PF claim status online using their PF account number with the following simple steps:

  1. Visit the official website of EPFO.
  2. Go to the 'Know your Claim Status' page.
  3. Open the 'Click Here for Knowing the Claim Status' option.
  4. Select your EPF Office State from the drop-down menu.
  5. Choose your city from the drop-down menu.
  6. Enter your PF account number.
  7. Click 'Submit.'

Upon entering accurate details, the applicant's EPFO claim status will immediately appear on the screen. Similarly, individuals who have updated their current mobile number with the UAN can also check their claim status on the Umang App.

Additional read: PF Withdrawal Rules 2024


Steps to check claim status using the UAMNG app

Step 1: Locate the EPFO option on the home page of the Umang App.

Step 2: Choose the 'Employee Centric Services' option.

Step 3: Then, access the 'Track Claim' option.

Step 4: Input your UAN and click on 'Get OTP'.

Step 5: Enter the OTP generated to authenticate and click on the 'Login' option.

By following these steps, employees can access details such as the tracking ID, type of claim, the date the claim was filed, and its current status.

Many applicants prefer the online EPF claim status option due to its convenience, allowing them to complete the process in a matter of minutes. Additionally, there is no need to submit any documents to initiate the claim.

Similarly, if you invest in a Bajaj Finance Fixed Deposit, you can easily track its status through the Bajaj Finserv website or app.

However, for those who are not entirely comfortable with online methods, alternative options are available for them to choose from.


Check EPF claim status by giving a missed call

Employee can simply give a missed call to 9966044425 from their registered mobile number to check their EPF claim status.


Check EPF claim status by calling EPFO toll free number

To check the status of your EPF withdrawal or transfer claim, simply call the EPFO 24x7 customer care at 1800 118 005.


Check EPF claim status via SMS

To track the status of a EPF claim through SMS, employees must first link their mobile number with the UAN portal. Then, they need to send an SMS to 7738299899 in the format 'EPFOHO UAN LAN', where 'LAN' indicates the preferred language for receiving details.


How to verify PF claim status offline?

Via SMS: Applicants can monitor the progress of their EPF claim by sending an SMS from the mobile number linked to the UAN portal. It is crucial to adhere to the specified SMS format when sending the message to the designated number for accurate tracking of the claim status. For example, the current SMS format is 'EPFOHO UAN LAN,' where 'LAN' denotes the language code chosen by users for accessing their claim details.

The provided table contains information on various languages along with their respective codes

EPFOHO UAN LAN (Language)

LAN Code

English

ENG

Hindi

HIN

Bengali

BEN

Tamil

TAM

Telugu

TEL

Marathi

MAR

Punjabi

PUN

Malayalam

MAL

Kannada

KAN

Gujarat

GUJ


Through a missed call: Employees also have the option to inquire about their claim status by giving a missed call from their registered mobile number on the toll-free number - 011-22901406. After the call is automatically disconnected, individuals will receive information regarding their PF claim status via an SMS on their registered mobile number.

It is important to note that applicants need to ensure the updated information of their Aadhaar, PAN, and bank account details on the UAN portal for this process.


Who qualifies for EPF claims?

Individuals holding an EPF account are eligible to claim the accrued funds under the following circumstances.

Upon retirement

EPF account holders aged 55 or above can claim the entire EPF corpus. However, those who choose early retirement are not permitted to claim the full value.

Pre-retirement

Employees aged 54 can claim up to 90% of their EPF corpus if they retire after one year.

During unemployment

In the event of unemployment lasting over a month, account holders can claim up to 75% of their EPF corpus. Upon starting a new job, they must transfer 25% to their EPF account. Individuals unemployed for over two months are allowed to claim the entire EPF corpus.

It is important to note that partial withdrawal is permitted only for funding higher education, medical emergencies, or the construction/purchase of a house property.


How to commence the EPF claim procedure?

Before initiating a PF claim, whether through online or offline methods, applicants must submit the relevant claim form to the appropriate authority.

To elaborate, considerations such as the applicant's age, employment status, and reason for withdrawal are taken into account to determine the suitable form for a given case.

The following outlines the appropriate claim form for each situation:

  1. Form 13
    Used to transfer the accumulated fund to a new EPF account in the case of a job change.
  2. Form 14
    Employed to pay for one's LIC policy.
  3. Form 31
    Applied for advance/temporary withdrawal of EPF.
  4. Form 10D
    Utilised to claim the pension fund when the account holder is below 58 years of age and has to leave an establishment due to physical disability.
  5. Form 20
    Allows a nominee to claim the PF of the deceased EPF member.
  6. Form 10C
    Employed to claim Scheme Certificate/Withdrawal Benefit as per the Employees' Pension Scheme.


What are the types of PF Claim Status?

Here are the different types of claim status


1. Payment under process:

  • Your claim is still being processed
  • The status will change to "Claim Settled" after EPFO transfers money to your bank account


2. Settled:

  • Your claim has been accepted and processed by EPFO
  • Money has been transferred to the bank, or it will happen soon


3. Rejected:

Your claim could be rejected by your previous or current employer for reasons like:

  • Mismatch in details
  • Signature discrepancy


4. Not Available:

  • The claim is not processed yet

How to cancel an EPF Claim?

It is important to emphasise that once the claim status has been initiated, there is no online option available for cancellation. However, applicants can promptly get in touch with the EPFO Regional Office to cancel their online-initiated EPF withdrawal request.


Conclusion

This article provides a clear roadmap for understanding and tracking EPF claim status in India. Whether through the Umang App, SMS, or a missed call, the guide outlines accessible methods for users. It emphasises eligibility criteria, diverse claim forms, and the importance of accurate information submission. Notably, the guide underscores the absence of an online cancellation option, highlighting the need for careful consideration during the EPF claim process.


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Frequently asked questions

How many days will it take to claim PF amount?

It usually takes around 20 days for PF claims to get processed, but times may vary.

Why is my PF claim status still under process?

When your PF claim status is under process, it means your request is being reviewed by the PF office. Once the review is complete, your PF money will be sent to your bank account.

How do I know my PF withdrawal is approved?

The process for PF withdrawal approval varies depending on the method used to file the claim. If you file your claim online, you can check the status of your claim by logging into the EPFO member portal using your Universal Account Number (UAN) and password. Once you log in, you can view the status of your claim under the “Track Claim Status” tab. If you file your claim offline, you can check the status of your claim by contacting the regional EPFO office where you submitted your claim 2. You can also check the status of your claim by contacting the EPFO’s toll-free number at 1800-118-005.

Is Aadhaar necessary for filing an online EPF claim?

To file an online EPF claim, it's necessary to link your UAN with Aadhar. Your employer can deposit funds and file ECR challans only if your PF account is linked to Aadhaar.

Do I need the employer’s approval to file claims?

No, for online claims, employer approval is not needed. You can directly apply on the EPFO portal.

Who approves a PF claim?

A PF claim is approved by the Employees' Provident Fund Organisation (EPFO) after verifying the submitted documents and details. The EPFO processes and sanctions the claim based on the eligibility criteria and compliance with regulations.

A PF claim is approved by the Employees' Provident Fund Organisation (EPFO) after verifying the submitted documents and details. The EPFO processes and sanctions the claim based on the eligibility criteria and compliance with regulations. Can a PF claim be rejected?

Yes, a PF claim can be rejected if the submitted documents are incomplete, incorrect, or if there are discrepancies in the details. Non-compliance with EPF rules or pending employer attestations can also lead to rejection.

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives 
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company. 

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.

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