An Employee Provident Fund (PF) account is a mandatory savings scheme for all people working in India, which becomes a big support in emergencies. It works like a savings account, where 12% of the employee’s salary and the same amount is deposited by the employer. You also get interest on this deposit amount. The best thing is that you can withdraw the amount deposited in your PF account anytime if needed.
But what if you have claimed PF in an emergency and your claim is getting rejected again and again? It is natural to panic in such a situation, but there is no need to worry. If your PF claim is rejected, then you have to do some important work immediately, after which your money will come to your account in a few days. Let us understand the complete information about this in detail.
If the PF claim is rejected, then do this work immediately
Often when people need money in an emergency, they withdraw the amount present in their PF account. But many times when people claim for withdrawal, their claim gets rejected. If you are also facing such a problem, then you do not need to worry. Sometimes this happens due to a mismatch of information or incomplete information.
First of all, you have to find out why your claim has been rejected. To know this, you have to go to the status of your claim request. When you know the reason for the rejection of the claim, correct that information immediately and claim again. By claiming with the correct information, the money will come to your account within a few days.
Pay special attention to these things while claiming.
When you are going to claim for withdrawal from your PF account, make sure that the information you are filling in is correct. Even a small mistake can get your claim rejected. Also, when you upload a photo of the passbook or checkbook, check that it is not blurred. It is important to upload a clear and readable photo.
And the most important thing is that your Aadhaar Card should be linked to your PF account, and your mobile number should also be linked. Only then will you be able to make an online claim? If your Aadhaar or mobile number is not linked, then complete this process immediately.
If you still don’t get the money, complain here
If after your claim was rejected, you claimed again with the correct information, but despite this, the money has not come to your account, and even after filling in the correct information your claim is getting rejected again and again, then you can register your complaint by visiting the Employees’ Provident Fund Organisation (EPFO) complaint portal https://epfigms.gov.in/. This is a dedicated portal where you can get a solution to your problems. While filing a complaint, mention all the relevant details and the status of the claim.
Common reasons for PF claim rejection
Here are some common reasons why a PF claim can get rejected:
Wrong account number, IFSC code, or bank name.
Mismatch of names in EPFO records and bank records.
If your Aadhaar number is not linked to the PF account.
Incomplete KYC details like PAN, Aadhaar, or bank details.
The date of Birth is different in EPFO records and Aadhaar.
The photo of the uploaded passbook or cheque is not clear.
Selecting the wrong form for the wrong purpose.
Tips to ease the PF claim process
Keep all the information (name, date of birth, address, bank details) in your EPFO account updated by matching it with your Aadhaar and PAN card.
Make sure your Aadhaar is successfully linked to your PF account and bank account.
Complete your e-KYC, if required.
Keep a clear and scanned copy of your bank passbook with you.
Select the right PF Withdrawal Form as per your requirement.
If you are evacuating for a medical emergency, keep all the necessary documents ready like hospital bills and doctor’s certificate.
