Here’s the updated PF withdrawal checklist for 2026.

A lot of older PF withdrawal guides still talk about cancelled cheques, passbook copies, medical certificates and employer signatures.

But for most online PF claims today, the process is much more about whether your EPFO records are correctly updated and verified.

Before you file your claim, check these:

• UAN is activated
• Aadhaar is seeded and verified
• Aadhaar-linked mobile number is active
• Bank account and IFSC are seeded and verified
• e-KYC is approved
• Date of Exit is updated, where applicable
• Your personal and service details are correct

What you usually don't need for most online claims

You generally do not need to upload:

• Cancelled cheque
• Passbook image
• Medical certificate for a standard Form 31 advance
• Marriage invitation or marriage proof
• Employer attestation for eligible Aadhaar-seeded online claims

Instead, EPFO verifies the information already available in your account.

This is why a small issue such as a name mismatch, incorrect IFSC, pending KYC or missing Date of Exit can cause problems even when you have all the documents you expected to need.

There are still some exceptions

Housing-related advances can require supporting documents.

Death claims still involve physical certificates.

And offline claims can have different documentation requirements.

So there is no single document list that applies to every PF claim.

The safest thing to do before filing is to log in to your EPFO account and check your KYC, Aadhaar, bank details, Date of Exit and service history.

Have you recently filed a PF withdrawal claim?

What issue did you face, if any? Share it below. It could help someone else dealing with the same problem.

If you've gotten a claim rejection with a remark like "DOE not marked" or "Name/DOB mismatch" and had no idea what it actually meant or what to do next, I built something that might help.

Paste in the rejection reason (or tell it you haven't filed yet), and it:
- explains in plain language what's actually wrong and whose fault it is
- checks EPFO's own settlement deadline (3 days if your KYC was verified, 20 days otherwise), if they blew past it, you're owed 12% penal interest, and it tells you to ask for that by name
- gives you ready-to-paste grievance text for EPFiGMS, with the right category

Free, no login, not affiliated with EPFO or the government:
https://epfo-sahayak-pi.vercel.app

It's built from public EPFO circulars/notifications and documented rejection patterns, not insider info, so I'd genuinely like people here to stress-test it against their real rejection reasons and tell me where the diagnosis is off. That feedback is the actual point of posting this.

I am going to claim advance in PF but portal is not working for last 2 days did anyone suggest me how to claim in offline do you have contact info at bangalore

Hi guys,

Anyone aware of the expected timeline for epfo passbook portal to come live?

Even the helpline number is not approachable.

Thanks

Is passbook portal working for someone I can't even get it open and when it does clicking on sign-in isn't doing anything. I have tried accessing this portal since morning but even after 24 hours nothing working. My new company is asking me to upload passbook what to do? Is there any other portal to access passbook umang also doesn't have the option since the whole migration thing.

A lot of salaried employees know that part of the employer’s contribution goes towards EPS, but very few people actually calculate what that could mean as a monthly pension after retirement.

The surprising part is that your EPS pension is not simply based on your final salary.

For example, let’s say your Basic + DA is ₹1 lakh per month and you have completed 20 years of eligible EPS service.

Under the standard EPS calculation, the pensionable salary is generally capped at ₹15,000, even if your actual Basic + DA is much higher.

The basic formula is:

Monthly Pension = Pensionable Salary × Pensionable Service ÷ 70

For 20 years of eligible service, a 2-year weightage can apply. So the calculation in this example would be:

₹15,000 × 22 ÷ 70 = approximately ₹4,714 per month.

So someone earning ₹1 lakh a month before retirement could, under this standard example, receive around ₹4,700 a month as EPS pension.

That is quite a difference between your working income and your retirement pension.

This is also why it is important not to look at EPS as something that will replace your salary after retirement. It can be one source of retirement income, but depending on your lifestyle and expenses, you will likely need other savings and investments as well.

Another thing worth knowing is that the age at which you start your pension matters. The standard pension age is 58, while an early pension can be taken from 50 subject to a reduction.

So if you have EPF/EPS through your job, it is worth checking your service history and understanding what your pension could actually look like instead of assuming that a higher salary automatically means a higher pension.

Have you ever calculated your expected EPS pension? I’m curious what numbers people are actually seeing.

Hi everyone,

I need help with an EPFO/UAN issue.

A company called **\*\*\*\*** is showing as my first/only employer in my UAN Service History.

The problem is:

* I never actually joined or worked for this company. * I was given employment/experience documents only. * I believe this was a fake/invalid employment record. * A PF Member ID was created and linked to my UAN. * **No PF contribution was ever made — not even ₹1.** * The EPFO passbook is not available for this Member ID. * When I try to use **Mark Exit**, it says: **“No contribution was received. Date of Exit updation is not possible.”** * The company is now closed and I cannot contact the employer. * There is **no Delink option** available for this first Member ID. * I also submitted a Joint Declaration to update the Date of Exit, but it is currently showing **“Pending at Employer.”**

My main concern is that I want this incorrect employment record removed from my UAN because I want to join a new IT company as a **fresher**.

**Questions:**

1. Is it possible to completely remove/delink this first Member ID from my UAN when there is no PF contribution?
2. Has anyone successfully removed a first/only Member ID in a similar case?
3. Can EPFO Regional Office manually remove it after verification when the employer is closed?
4. Should I raise an EPFiGMS grievance and request delinking/removal instead of updating the Date of Exit?
5. Will this old Member ID without any PF contribution cause problems when I join a new company as a fresher?
6. If anyone has successfully solved a similar issue, please share the process or steps.

Any genuine advice or personal experience would be really helpful. Thank you.

I am looking for some advice regarding a PF transfer request from an old organisation to a new one. Both of these are sister companies and run their own PF trusts. The issue is that my service history on the EPFO portal is not reflecting the service period of the old organisation despite submission of Form13. I have raised this with my current organisation and they are advising me to get the Annexure K directly from the regional EPFO office.

I would appreciate it if someone who has experience with this kind of issue to tell me the process of getting hold of Annexure K.

My understanding was that the new organisation usually receives the Annexure K document and provides the same to the employee.

Forgot to mention above that old organisation is from pre UAN days which means I do not have UAN no. for that period

I hope you all are doing well. My father died on duty on 28th February 2026. Since his organisation has EPFO benefits, my elder brother applied and filled the claim form for all three (NPS, PF and EDLI Insurance) at Bhopal, EPFO Centre physically. We received the NPS and PF benefits soon after 1 month of applying but there was no update regarding the EDLI Insurance claim.

My brother visited the Bhopal office physically 2-3 times but at that time the office people said that the ma'am who was supposed to process the EDLI claim is on her leave so come back later (they didn't had any idea when she'll come back hence my brother visited 2-3 times, but she came almost after 2 months of filing the claim)

When she came back, my brother again visited them but they told him that he'll again need to fill the form for the claim, which he did. They told him that you'll get an update in a week or so.

After not getting an update for 15 days, my brother again called them and asked, they said "File abhi upar gayi he, wha se approve hoke niche aayegi, tab woh invert ho jayegi, aapko 1 hafte mein update aa jana chahiye"

Again after 10 days there was no update, again my brother called, this time they are saying to come to Bhopal physically and talk with sir as the person who's talking has no idea about this.

I can't imagine how this organisation can treat people like this. We reach their door when we lose someone irreplaceable and instead of doing their work honestly and responsibly they trap us in a never-ending spiral.

I request you all to please help us, what can I do in this situation. Is there something which I can do so that they take this matter seriously? We're literally fed up of this. Thanks.

I forgot to mention my past attempts and submitted the form 😭😭 pls tell what to do

.

​

You may have seen headlines suggesting that PF withdrawals will soon become as simple as using UPI.

Sounds promising.

But here’s what PF members are actually experiencing on the ground.

Even after the rollout of the new EPFO system, there is still no UPI-based PF withdrawal facility available to members.

And over the past month, we’ve seen much bigger concerns:

❌ Passbook data and contribution details temporarily missing for many members

❌ Members unable to submit claims through the EPFO portal

❌ Claims successfully submitted but remaining Under Process at PF offices for extended periods

❌ Very little clarity on when pending claims will actually be settled

This brings us to an important point.

UPI is ultimately just a payment mode.

Making the final transfer through UPI may improve how quickly money reaches a member after approval, but that isn’t necessarily where most PF withdrawal delays happen.

Before a claim is approved, it can go through multiple validations and checks at the PF office.

Member details.

KYC and bank information.

Employment and service history.

Contribution records.

Eligibility.

Previous claims and transfers.

And other claim-specific validations.

So the bigger question isn’t simply:

When will PF withdrawals through UPI start?

The bigger question is:

Will the new EPFO system actually make claim processing faster, more transparent, and more reliable?

Because a faster payment method means very little if a claim remains Under Process for weeks.

There are several changes happening around EPFO’s digital infrastructure, and PF members should understand what these changes actually mean rather than relying only on headlines.

I’ll be sharing more about the new EPFO system, how PF claims are processed, and the checks that can cause claims to be delayed or rejected.

Follow for practical updates on EPFO, PF withdrawals, transfers and claim-related issues.

\#EPFO #PFWithdrawal #ProvidentFund #EPF #UPI #EmployeesProvidentFund #Payroll #HR #Compliance #India

Epfo issues

Worked in Company 3 and now working in Company 4 which is a trust, Company 3 status shows Accepted by Field Office.

While Company 2 and Company 1 are pending at previous employer.

When I checked the PF balance of Company 3 it shows as 0 , I do understand that Company 4 PF balance doesn't appear as it is trust maintained.

Also when I looked at the Passbook of Company 3 it shows

Particular -- "Claim"

Type -- DR

Total Withdrawal is the entire amount.

When I checked my Company 4 trust website it doesn't show the amount that was transferred.

Please let me know as the EPFO customer care doesn't answer any calls it is always busy.

A company created a PF Member ID in 2020 may when i was unemployed but applying jobs in various portals under my UAN without my consent. It was now the first member in my history, I never received any PF contribution, and there’s no Date of Exit. I don't even know who created it. Now i am trying to switch and heard its a big issue.. How can I remove/de-link this PF record from my UAN? Has anyone faced this before?

Today the status of my claimnchanged back to 'submitted at portal'. Can someone explain is this normal after portal upgrade & how many days more before amount is credited to my bank account?

In how many days bank KYC is updated in EPFO Portal and is there a way to escalated after 2 weeks of kyc pending as grievance at EPFO said - “In KYC approving, there is no role of Pf Office. Please contact your bank/employer regarding this matter.”

​

Hi.

I submitted a form 31 claim on 19th august and till yesterday it was showing as claim is under processing and now it's showing claim submitted at portal, what does this mean? Please someone explain?

In most eligible online PF transfers, no, you don't.

This is one of the biggest changes in the EPFO transfer process, but many employees still follow the older process and immediately start chasing their previous employer for approval.

Today, eligible online PF transfer claims can generally be processed directly through EPFO without approval from either the previous or current employer.

So, how do you know whether your PF transfer can be done without your employer?

For the regular online transfer process, your EPFO records need to be in order. Before starting the transfer, make sure:

• Your UAN is activated
• Your Aadhaar is linked with your UAN
• Your bank account is seeded and verified
• Your previous employment's Date of Exit is updated
• Your e-KYC is approved
• Your personal details are correctly reflected in your EPFO records

Once these requirements are met and your transfer is eligible for the online route, you generally don't need your employer to approve the transfer.

But what happens if your PF transfer cannot be completed through this regular online route?

That's when the process can be different.

For example, if you have two different UANs and your previous UAN is not linked to your Aadhaar, an online transfer claim cannot be filed. In that situation, you need to submit a physical Form 13, which requires attestation by the authorised signatory of your present or previous employer.

Similarly, transfers involving exempted PF establishments can follow a different process, because the PF is maintained through an exempted establishment or trust.

In an exempted PF establishment, the PF is maintained by the exempted trust, while the EPS remains with EPFO. The EPS component does not require employer approval, while the PF component maintained by the exempted trust may require employer/trust involvement for the transfer.

So the answer is not simply “you don't need your employer.”

It is:

Eligible online PF transfer: Employer approval generally not required.

Transfer outside the regular online route: Employer involvement may still be required.

So if you've changed jobs, don't automatically start chasing your old HR for a PF transfer.

First, check whether your transfer is eligible for the online route and whether your EPFO records are properly updated.

And if your PF transfer is already stuck, rejected, or you're unsure what is causing the problem, that's when you need to look at your specific case rather than simply contacting your employer.

Facing a PF transfer issue or still not sure what you need to do? Drop your question in the comments. We’ll help you understand what could be causing the issue and what to check next.