Why should you Withdraw Old EPF Account Balance? | In-operative EPF A/c Timeline

  • sujatha kota says:

    Sir I left job 9 years back
    i want to withdraw money from pf
    help me

  • Sandeep Janardhan Chambhare says:

    Pls.may old account number is Ishu sar 2008 to 2013

  • Sandeep Janardhan Chambhare says:

    Pls.may old account number is Ishu sar.

  • Lakshmi says:

    Hi Sreekanth,

    Again will there be any chance to contact you for a word.

  • Prashantsinh Raj says:

    Sir I want withdraw my pf from 3 different old pf account but I dont know process.

  • Malathi Manikandan says:

    sir
    I had worked in a school 2012 to 2014 while working time I didn’t get UAN number, member ID only I know,I lost my registered mobile number, now after my marriage I shifted to my husband’s native and I m working in another school hear I’m getting UAN number how I merge or claim old pf amount

  • Vai says:

    Hello Srikanth,

    My last job ended in 2017 after 22 years of continuous employment. After that I couldn’t get another job. I had not withdrawn my EPF balance then, thinking its safe to keep money with EPFO till I really need it. Since its more than 3 years since the last contribution, looks like my EPFO account has become ‘inoperative’ (not able to access it online like last year).
    Now I am 51 years old, still looking possibilities of getting another job. My question is, will I still receive interest on accrued balance till age of 55 or its altogether stopped for being ‘Inoperative’ account? In that case should I withdraw entire corpus accumulated? or any another way I can keep the money EPFO returning me interest on accrued balance.

    Appreciate your response. Thank You.

  • taxpayer says:

    Hi Sreekanth,
    Reposting as last submission was garbled.
    Appreciate the very informative article.
    My query is about tax on interest earned during non-contributory period.

    I worked for 25 years.
    My last job ended in 9 March 2020.
    My last EPF contribution is credited in passbook on 1 April 2020.
    I have not withdrawn.

    1. Will interest for FY2019-20 , accrued till 31 March 2020 , but credited in Jan 2021 be taxable ?

    2. Will entire interest accrued for FY2020-21 be taxable in AY2021-22? it is yet to be credited as it normally gets credited after Oct in next year.

    3. Let us say I start job again in FY2021-22, on July 1, 2021, and my passbook shows contribution from Aug 1,2021.
    Till what date should interest accrued be taxable in this year ?

    Thanks.

  • taxpayer says:

    Hi Sreekanth,
    Appreciate the very informative article.
    My query is about tax on interest earned during non-contributory period.

    I worked for 25 years. My last job ended in 9 March 2020. My last EPF contribution shoill entire interest accrued for FY2020-21 , be taxable in AY2021-22? it is yet to be credited as it normally gets credited after Oct in next year.

    3. Let wn in passbook on April 1, 2020. I have not withdrawn.

    1. Will interest for FY2019-20 , accrued till 31 March 2020 , but credited in Jan 2021 be taxable ?

    2. Wus say I start job again in FY2021-22 on July 1, 2021, and my passbook shows contribution from Aug 1,2021. Till what date should interest accrued be taxable in this year ?

    Thanks.

  • Rahul says:

    My father has his name wrong with old employer, ended it and the same wrong name name continued with new job also. now, when we changed name, it only changed in the new member id and not the old member id and so we can’t merge them. Please help!!

  • Satish says:

    Another excellent article, thank you Sreekanth. Could you help advise on the below please?

    I have not claimed my previous EPF for 10 years now. There was no UAN then and it was difficult to follow up my previous employer’s HR team. Now, is there a way I can make a claim for withdrawing this EPF amount OR get it transferred to my current employers UAN?

  • ss says:

    I did not find the link of inoperative epf account link the epfo site..can you pls help me

  • Deepesh Raghaw says:

    Hi Sreekanth,
    This is excellent information. I have been so confused about inactive EPF accounts. This is really helpful. Thank you for sharing.

    • Sreekanth Reddy says:

      Dear Deepesh,
      I am glad that you find this post useful and informative.
      You may kindly share this post with your friends! Thank you!

  • S Jain says:

    Very informative and well compiled! If you are coming back to india in say 4-5 years it is better to keep money in EPF as interest rate is higher than PPF and FD?

    • Sreekanth Reddy says:

      Dear Mr Jain,
      Kindly note that the Interest payment on PPF is non-taxable.
      Interest accumulated on EPF during non-contribution phase is taxable.

  • Sreeni says:

    Good info Srikanth

    • Sreekanth Reddy says:

      Thank you dear Sreeni!

      • Lakshmi says:

        Hi Sreekanth,

        I have worked for 3.3 years for one organization and next 3 years 11 months with another one.So, reading through the articles here, I have understood that my accumulated service is more than 5 years. If am correct, will I be eligible to withdraw my total pf amount tax free, as I have not withdrawn it since Sep 2014 (my last working day and stopped working from then).

        Another question is my PAN got my father’s name and on kyc also updated successfully.Where as my Aadhar has got my husband’s name and now on what basis would they consider the data while verifying the records with epfo at the time of with drawal, because relation ship is wrongly showing as husband agausnt my father’s name and no where my husband’s name and my marital status not updated by me because I have felt not to change again all the details of surname etc…Please suggest me if that relation ship field mismatch matters or only father’s name is sufficient and I don’t have cheque book and passbook is the one left.Can I claim now.

        • Sreekanth Reddy says:

          Dear Lakshmi,
          May I know if you have got the PF funds transferred from old EPF a/c to the latest one (or) they are remaining the funds in respective accounts??

          Ideally, your personal details should be same across PAN, Aadhaar and EPF UAN (name format, date of birth etc)

          • Lakshmi says:

            Hi Sreekanth,

            Thanks for your reply and yes, oldpf account got transferred and consolidated amount is also shown in the passbook. I hope my question was not clear about the details as available on aadhar are my husband’s name and my PAN gt my father’s . Will that be an issue?

          • Sreekanth Reddy says:

            Dear Lakshmi,
            I believe, this should not create any issue!

          • Lakshmi says:

            Thank you so much for responding!

            One final question and for the last!

            Am not sure based on what, how and who( may be my latest ex employer) had updated relationship status. On my UAN profile it is shown as ‘Husband’ and mentioning my father’s name. So, won’t there a chance of rejection due to mismatch of this, because Aadhar got my husband’s name.

            It is something like this:

            Name
            XXXXXX LAKSHMI XXXXXX

            Date Of Birth
            XX/XX/1900

            Gender
            FEMALE

            Father’s/ Husband’s Name
            XXX XXXXXXX REDDY

            Relation
            HUSBAND

            Is International Worker
            NOT AVAILABLE

            Qualification
            NOT PROVIDED

            Marital Status
            NOT PROVIDED

            Permanent Address
            Not Available

            Current Address
            Not Available

            Differently Abled
            NO

            So, with the above details I coildnot edit any of those except DOB/Name/Gender.

            Now shall I get my father’s name changed on my PAN/replace Husband’sname with Father’s / on UAN should any details get updated and what is the process.

            Sorry since there is no possibility of posting the screenshot here, though I have tried, such a lengthy message.

          • Sreekanth Reddy says:

            Dear Lakshmi,
            You can get the personal details updated/changed in UAN profile by contacting your employer.

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