Individuals with an EPF account are allowed to withdraw the accumulated fund during their employment under certain circumstances. However, to ensure the entire EPF claim process is completed smoothly, EPF account holders should make it a point to find out more about it. To begin with, they should learn how to check the PF claim status and the associated requisites.
What is EPF Claim Status?
PF claim status can be described as the latest information available about one’s application for EPF withdrawal. It helps to gain a fair idea of their claim process’s development. Further, it enables applicants to readily prepare in case of an error or delay during the claim process. The PF claim status can be checked in different ways.
How to Check the Claim Status for Provident Fund?
Employees who intend to withdraw from their PF account and make a claim can track the status of their PF claim online or offline. To elaborate, the following highlights various ways one can utilise to check its development effectively.
A) Ways to check PF claim status online
a. Through UAN Member Portal
Employees can check their PF claim status on the UAN Member Portal by following these few simple steps.
Step 1 – Log in to your UAN Member Portal by entering your UAN and password.
Step 2 – Click on option ‘Online Services’.
Step 3 – Click on ‘Track Claim Status’.
Step 4 – The entire details of your withdrawal or transfer status would appear on the screen.
Notably, users who had opted for an offline claim process would not be able to track their PF claim status through this portal. Instead, offline applicants can track their status through EPFO’s official website.
b. Through the EPFO portal
Individuals opting for this method to check EPF claim status online would have to proceed with steps enumerated below.
Step 1 – Visit EPFO’s dedicated portal.
Step 2 – Look for ‘Our Services’ option.
Step 3 – From available tabs, click on ‘For Employees’.
Step 4 – Once redirected to the next page, click on the ‘Service’ option.
Step 5 – Next, open ‘Know your Claim Status’ option.
Step 6 – Enter UAN and CAPTCHA in the respective blocks.
Step 7 – Follow with clicking on the ‘Search’ option.
Step 8 – Next, select ‘Member ID’.
Step 9 – At last, click on ‘View Claim Status’ option to check the progress of your PF claim.
c. Using the PF account number without UAN
Employees can also check their EPF claim online with the help of their PF account number in a few simple steps enumerated below.
Step 1 – Visit EPFO’s official website.
Step 2 – Navigate to the ‘Know your Claim Status’ page.
Step 3 – Open the ‘Click Here for Knowing the Claim Status’ option.
Step 4 – Next, select your respective PF Office State from the drop-down menu.
Step 5 – Select your city from the drop-down menu.
Step 6 – Next, enter your PF account number.
Step 7 – Click ‘Submit’.
On entering accurate details, an applicant’s PF claim status would appear on the screen immediately. Similarly, individuals who have updated their current mobile number with the UAN can check their claim status on the Umang App as well.
d. Claim status via the Umang App
Step 1 – Look for EPFO option on the App’s home page.
Step 2 – Select ‘Employee Centric Services’ option.
Step 3 – Next, open the ‘Track Claim’ option.
Step 4 – Enter UAN and click on ‘Get OTP’.
Step 5 – Enter the OTP generated to verify and click on the ‘Login’ option.
By completing these steps, employees would avail details like – tracking ID, type of claim, the date on which the claim was raised and its status.
Most applicants tend to opt for the online PF claim status option as it is hassle-free and can be completed within a few minutes. Also, they do not need to furnish any documents to initiate the same. Conversely, if applicants are not quite confident about the online methods, they may opt for alternate options that are available to them.
B) Ways to check PF claim status offline
a. Through an SMS
Applicants can track their claim status by sending an SMS from the mobile number that is linked with the UAN portal. They must pay attention to the SMS format before sending it to a required number to track their claim status accurately.
For instance, the latest SMS format is ‘EPFOHO UAN LAN’. Here ‘LAN’ stands for the language code in which users want to access their claim details.
The table below offers valuable insight into different languages and their codes.
b. Through a missed call
Employees can also check their claim status by giving a missed call from their registered mobile number on the toll-free number – 011-22901406. Once the call is automatically disconnected, individuals will receive information about their PF claim status on their registered mobile number through an SMS. Notably, applicants would be required to update the Aadhaar details, PAN and details of the bank account at the UAN portal.
Who can Make EPF Claims?
Anybody with an EPF account would be deemed eligible to claim the accumulated funds under the following situations.
Account-holders who are over the age of 55 years can claim the entire EPF corpus. Conversely, those who have opted for early retirement would not be allowed to claim the entire value.
- Prior to retirement
Employees who are 54 years of age can claim up to 90% of their EPF corpus provided they retire after one year.
- In the case of unemployment
Account-holders can claim up to 75% of their EPF corpus in the event of being unemployed for over a month. However, on starting a new job, they would be required to transfer 25% of the same to their EPF account. Individuals who have been unemployed for over 2 months are allowed to claim their entire EPF corpus.
Further, such partial withdrawal is allowed only in the case of funding required for higher education, medical emergency or for constructing or purchase of a house property.
How to Initiate the Claim Process?
Before initiating the PF claim online or offline, applicants would be required to submit the respective claim form to the concerned authority. To elaborate, factors like an applicant’s age, their status of employment and reason for withdrawal are taken into consideration to decide which form would be suitable for a given case.
The table below highlights the suitable claim form against each situation.
|Form||Case Suitability for PF Claim|
|Form 13||To transfer the accumulated fund into a new EPF account in the case of a job change.|
|Form 14||To pay for one’s LIC policy.|
|Composite Form||In case of unemployment or to avail an advance.|
|Form 10 D||To claim pension fund, when the account holder is less than 58 years of age and has to leave an establishment owing to physical disability.|
|Composite Form||To claim pension fund and provident fund, when the account holder is at least 58 years of age or more and has to leave an establishment owing to physical disability.|
|Form 28||A nominee can claim the PF of the deceased EPF member.|
|Form 10 D||A nominee can claim the pension fund of the deceased employee.|
|Composite form||To claim pension fund when the employee is 58 years of age but has been employed for less than 10 years.|
How to Cancel the Claim?
It must be noted that once the PF claim status has been initiated, an option to cancel it online does not exist. Nonetheless, applicants may contact the EPFO-Regional Office as soon as possible to cancel their request for EPF withdrawal that was initiated online.
How to Withdraw EPF?
EPF claim status can only help track the development of withdrawal plea if the applicant has completed the application process correctly.
Consequently, employees should also know the steps involved in applying for EPF withdrawal online to streamline the entire process.
For instance, one has to proceed with these following steps to complete the process correctly through the UAN portal –
Step 1 – Log in to the UAN Member portal by providing your UAN and password.
Step 2 – Click the ‘Online Services’ option from the menu.
Step 3 – From the drop-down menu, select ‘Claim (Form-31, 19 & 10C)’.
Step 4 – Enter the last 4 digits of your registered bank account.
Step 5 – Click on the ‘Verify’ option.
Step 6 – To attach a signature on the certificate of undertaking, click on ‘Yes’.
Step 7 – Click on ‘Proceed for Online Claim’ to continue.
Step 8 – For withdrawing funds online, select the option ‘PF Advance (Form 31)’.
Step 9 – Once you are redirected to a new page, select ‘Purpose for which advance is required’.
Step 10 – Select the amount of money required and share address details.
Step 11 – Before clicking on ‘Submit’, tick on the displayed certificate.
Step 12 – Scan and attach essential documents, if required.
With the completion of this process, employees can claim their pension fund and track their PF claim status both online and offline. Additionally, applicants should note that their employer must approve their withdrawal plea to initiate the disbursal process. Once it is approved, the requested sum of EPF would be disbursed to their registered bank account. Usually, it takes around 2-3 weeks for the fund to get transferred into the applicant’s account.
- What details required to initiate EPF claim online?
Employees would require an active UAN, bank details linked with UAN and PAN and Aadhaar details.
- Are employers allowed to lower their contribution made towards their employee’s EPF account?
No, employers registered under the EPF Act are mandatorily required to contribute at least 12% of an employee’s remuneration towards their PF account and cannot lower it.
- Can EPF nominees withdraw pension from a different location or financial institution?
No, nominees can withdraw the pension only through the financial institution where they hold the registered account for PF.