Hello!
I did lots of research on what this means and what can I do. And I am so much confused now. Can someone please help? Thank you!
1. I joined company A in 2013. (My salary was more than 15K). Contributions were made in EPS account. There are three columns in passbook: Employee share, Employer share and Pension.
2. Left company A and joined B in 2015. (My salary was more than 15K). Contributions were not made in EPS account. There are two columns in passbook: Employee share, Employer share.
3. Left company B in 2021 and moved out of India.
Now I am trying to withdraw my full PF contribution as no contributions are made since last 3 years, and hence no more interests paid on the amount. Most importantly I need the money. :)
My claim was rejected saying: "Member has service prior to 01-09-2014, whereas EPS contributions not remitted by the employer please clarify"
1. I reached out to company A. They asked me to file grievance to tell EPFO that I am EPS member. (I still don't know how this will resolve the issue)
2. I filed grievance on EPFO website. They responded with below:
"Dear member, As per concerned section remarks, Contact Employer and seek CLARIFICATION LETTER REGARDING EPS MEMBERSHIP AS MEMBER JOINED AFTER 01-09-2014, more than 15000 WAGES on the establishment letter head along with form 11 and form 3A duly attested by him for verification. The letter must clearly mention whether member is an EPS member or not. If EPS member then his joining date prior to 01-09-2014 with initial wages should be mentioned and if not EPS member then the request for merging the EPS fund to ER share is required. This is for your kind information."
From The Netherlands, Amsterdam
I did lots of research on what this means and what can I do. And I am so much confused now. Can someone please help? Thank you!
1. I joined company A in 2013. (My salary was more than 15K). Contributions were made in EPS account. There are three columns in passbook: Employee share, Employer share and Pension.
2. Left company A and joined B in 2015. (My salary was more than 15K). Contributions were not made in EPS account. There are two columns in passbook: Employee share, Employer share.
3. Left company B in 2021 and moved out of India.
Now I am trying to withdraw my full PF contribution as no contributions are made since last 3 years, and hence no more interests paid on the amount. Most importantly I need the money. :)
My claim was rejected saying: "Member has service prior to 01-09-2014, whereas EPS contributions not remitted by the employer please clarify"
1. I reached out to company A. They asked me to file grievance to tell EPFO that I am EPS member. (I still don't know how this will resolve the issue)
2. I filed grievance on EPFO website. They responded with below:
"Dear member, As per concerned section remarks, Contact Employer and seek CLARIFICATION LETTER REGARDING EPS MEMBERSHIP AS MEMBER JOINED AFTER 01-09-2014, more than 15000 WAGES on the establishment letter head along with form 11 and form 3A duly attested by him for verification. The letter must clearly mention whether member is an EPS member or not. If EPS member then his joining date prior to 01-09-2014 with initial wages should be mentioned and if not EPS member then the request for merging the EPS fund to ER share is required. This is for your kind information."
From The Netherlands, Amsterdam
The reason for rejection is very clear. The company B had done a mistake by remitting the entire contributions to your PF only without bifurcating it to PF and PS. Now the Company B has to send a letter to transfer funds from PF to PS and reconcile the accounts by submitting revised ECR/ Therefore, approach the company B
From India, Kannur
4298From India, Kannur
Since you had joined the EPF prior to 1st Sept 2014, you are eligible for Pension contribution. Whether you will get pension at the age of 58 will depend upon the amendment taken place at that time. At the present scheme one has to have at least 10 years service in order to get pension. From 2013 to 2021 you had a membership of 8 years or less than 9 years considering the months of joining the fund and leaving the fund. Naturally, you are not entitled to get pension at this stage of service. Since you do not have 10 years service you can withdraw both the PF and Pension Fund. But Pension Fund withdrawal is possible only after your company B gives the above mentioned revised ECR. once Company B reconcile the payment to PF and transferring the portion of pension to Pension Fund, you can go ahead with withdrawal.
In the past, when the system was not fully online and not so much complicated, an employee leaving India for permanent settlement abroad was able to withdraw his PF and Pension Fund very easily. Now when everything has been made online, the human element is absent and due to this we have to follow all these steps. Earlier no body would ask why should you withdraw your pension? is it not that you will come back and join a company and start/ resume contributing to PF? If so, why don't you withdraw PF alone and collect scheme certificate in support of your past service?
From India, Kannur
In the past, when the system was not fully online and not so much complicated, an employee leaving India for permanent settlement abroad was able to withdraw his PF and Pension Fund very easily. Now when everything has been made online, the human element is absent and due to this we have to follow all these steps. Earlier no body would ask why should you withdraw your pension? is it not that you will come back and join a company and start/ resume contributing to PF? If so, why don't you withdraw PF alone and collect scheme certificate in support of your past service?
From India, Kannur
Hi Madhu, thank you for explaining in detail. I really appreciate it. I don't mind if I don't withdraw EPS as anyway the contribution is very minimal. But how to withdraw PF alone? I had filled form 19 and got this response as mentioned in the post. When I login to Umang app, I only see 2 options of Form 19 or Form 10C.
From The Netherlands, Amsterdam
From The Netherlands, Amsterdam
Since the amount available in PF includes an element/ amount which should have been part of the pension fund, you have to get that amount wrongly paid by company B to PF account instead of Pension Fund to Pension Fund. As already mentioned, this can be done only with the help of company B. In fact, only the employer can file a revised return and revised Form 3A etc. Therefore, you have to take it up with company B. Since there is no financial commitment they can do it easily. But somebody from the Personnel department should take initiative to correct it. The amount wrongly paid to PF account should be transferred to pension fund. That's all. No other remedy is available.
From India, Kannur
From India, Kannur
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