17 FAQ’s ON Transfer
of EPF accounts
Employees' Provident Fund Organization, India
Ministry of Labour & Employment, Government of India has issued 17 FREQUENTLY
ASKED QUESTIONST related to Transfer of EPF accounts on its Twitter
handle.
Q1. How do I know if I require a PF
transfer?
Answers: If the member has more than one EPF
member ID i.e. EPF account and the EPF account of these accounts have not been
transferred to the latest EPF account, then member is required to get his PF
transferred into his current EPF account.
Q2. What are the types and modes of
EPF transfer?
Answer: There are five types of EPF transfer.
Here is how the transfer process will work in each type.
1. Transfer of PF from one un-exempted
establishment to another un-exempted establishment.
Mode of transfer: Online
2. Transfer of PF from exempted establishment
to en-exempted establishment.
Mode of transfer: Online
3. Transfer of PF from un-exempted
establishment to exempted establishment.
Mode of transfer: Online
4. Transfer of PF from exempted establishment
to another exempted establishment.
Mode of transfer: Offline
5. Transfer of EPS only (for EPF exempt
members) from un-exempted establishment to un-exempted establishment.
Mode of transfer: Online.
Q.3. What is the importance of UAN
on online transfer of PF?
Answer: Universal Account Number (UAN) acts
as an umbrella for the multiple member IDs allotted to an individual by
different employers. UAN enables linking of multiple EPF accounts (member ID)
allotted to a single member. UAN offers a bouquet of services like dynamically updated
UAN card, updated PF passbook including all transfer-in details, facility to
link previous members PF ID with present PF ID, monthly SMS regarding contribution
in PF account and facility for auto-triggering transfer request on change of
employment.
Q4. What all information needed at
the time of applying online transfer?
For online PF transfer, please ensure
following-
I. Employees should have activated his UAN at
:
II. Mobile number used for activation should
also be active as OTP will be sent in this
number.
III. Aadhaar number, Bank account of employee
should have been seeded against the UAN.
IV. The date of exit for the previous employment
must have been entered. If date of exit is missing badly kindly follow the
process as given in this FAQ for updation of date of exit.
V. The employer should have approved the
e-KYC.
VI. Only one transfer request against the
previous member ID can be accepted.
VII. Personal details reflecting under the
'Member Profile' must be verified and confirmed before applying.
Q. 5. What is the process of online PF transfer?
Answer: Steps involved in process of online
transfer are as below:
using your credentials i.e. Universal Account
Number (UAN) and password.
Step 2: After login, click on 'One Member -
One EPF Account (Transfer Request)' under online services.
Step 3: Verify personal information and PF account
for present employment.
Step 4: PF account details of previous
employment would appear on clicking on 'Get details'.
Step 5: You have the option of choosing either
your previous employer or current employer for attesting the claim form based
on the availability of authorized signatory holding DSC. Choose either of the
employers and provide member id/UAN.
Step 6: In the next step, click on 'Get OTP'
to receive OTP to UAN registered mobile number and enter the OTP and click on
submit.
Q. Whether date of exit for
previous job/employment is mandatory for applying online transfer? What are the
prerequisites for updation of date of exit?
Answe: Yes, updation of date of exit of
previous job/employment is mandatory for applying online transfer. The date of
exit can be updated only after two months of leaving a job. Also, the date of
exit can be any date in the month in which the last contribution was made by the
previous employer. The facility is based on Aadhaar-based one-time password
(OTP). Thus, it can only be utilized by those who have activated their UAN and
linked their UAN with a verified Aadhaar number and have a mobile linked to
Aadhaar for receiving the OTP sent for verification.
Q. 7. What is the process of date
of exit?
Answer:
i. Go to https://unifiedportal-mem.epfindia.gov.in/memberinterface/ and login using your UAN and password.
ii. Click on tab 'manage' >> click
'mark exit'. Under the 'select employment ' drop-down, select the previous PF
account number linked to your UAN.
iii. Enter the date and reason of exit.
iv. Then request for an OTP which will be
sent to your Aadhaar-linked mobile number.
v. After you enter the OTP, submit the
request. It may be noted that once the date of exit is updated, it cannot be
changed.
Q.8. How do I know/check if my PF
amount has been transferred from my previous member IDs to my current member
ID?
Answer: The member can check this by viewing
his passbook. The member must log in to his member unified portal. In the
homepage, itself the member must go to view > passbook. Thereafter, the
member must enter his UAN, password and captcha to login once again. After login
the member can view the passbook of all his member IDs. If his PF has been
transferred then the same will be shown as a credit entry in his latest
passbook. Otherwise, all the passbooks of his previous member IDs will show
some balance. In such a case the member is advised to submit online transfer
claim.
Q. 9. With the introduction of UAN and its
subsequent linking with Aadhaar has made UAN unique for subscriber. It does not
change with change of employment. Then why do I have to file transfer claim?
Answer: A member whose UAN is seeded and is
fully KYC complaint must not file any transfer claim on change of employment.
In such a case wherever an employee joins a new job and the first month's PF
contribution is received then a transfer auto trigger is generated. Soon after,
the member's past PF amount gets automatically transferred into his new
account. This automatic transfer get through if not actively stopped by the
member.
Q. 10. After submitting the transfer claim I am
getting an option to download the printable Form 13. Do I need to print the
same and submit it to the concerned field office?
Answer: No, if you have filed online transfer
claim then there is no need to submit a physical copy.
Q. 11. How to track the status of online transfer
claim?
Answer: The Member e-Sewa portal allows the member to track
the status of the transfer claim submitted by going to 'Online services' tab
and then to 'Track Claim status'. Once the claim is submitted the status shown
is 'Pending with employer'. If the employer approves transfer request status of
the form changes to - 'Accepted by the employer, Pending at field office.'
Q. 12. I have 2 different UANs with one member
linked with each. How do I file online transfer claim in this case?
Answer: In such a
case there is no provision to file online transfer claim. However, a physical
claim can be filed duly mentioning the previous and present employment details.
The physical Form 13 (transfer claim) can be downloaded from https://epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/Form13.pdf.
The same must be attested by the authorised
signatory of either present or previous employer and submitted to the concerned
field offices. In order to avail all the online services after the transfer-in effected
the member is advised to do the KYC of his latest UAN. Thereafter on job change
the member must disclose his KYC compliant
UAN to his new employer so as to avoid
duplicity of UAN number.
Q. 13. I used to work in an exempted establishment.
Now I work in an un-exempted establishment. How can I file transfer claim?
Answer: Employee is
required to submit PF Transfer claim to the exempted trust which will enter the
transfer details as Annexure K in unified portal. The employer will make the
online payment against the Annexure K. After due approval by the PF office the
past amount and service history gets reflected in his current member ID
passbook.
Q14. What is Annexure K?
Answer: Annexure K is
a document which mentions the member details, his PF accumulations with
interest, service history, date of joining and date of exit and employment
details including past and present member ID. This document is required by the
field office/trust to effect a transfer in.
Q15. I want to file a PF transfer claim but I do
not know if my past employer was exempted or un-exempted. How do I find out?
Answer: The member
can view the status of any establishment by going to PF establishment search.
The member must go to https://epfindia.gov.in/site_en/index.php.
Thereafter, go to Our services> For
employers> Establishment search (Under head services). Then the details of
the establishment (name or PF code) can be entered to view the status of the
establishment.
Q16. My PF amount got transferred from my
previous member ID to present member ID. However, my pension amount has not been
transferred, what to do?
Answer: The
pensionary benefits are dependent on the length of service and average of last
wages drawn. It does not depend on the actual amount lying in the pension fund
account. Hence, this amount is not transferring during change of employment and
a mere transfer of service history makes the member eligible for
pension-related benefits.
Q17. Why to transfer PF with change in
job/employment?
Answer: The provident
fund monies are to provide for a source of income (social security) after
retirement during old age. To create a sizable savings it is necessary to start
saving early and accumulate the corpus by reducing intermittent withdrawals.
Hence, it is advisable to transfer PF with each job change to reap full
benefits of social security schemes.
1. PF transfer lets the past service
transferred into the current member ID. If the total service is more than five
years then TDS is not charged on PF withdrawal. Clubbing of past service may help
the member is crossing the 5-year mark thus saving on TDS.
2. Transferring PF amount instead of withdrawing
gives the member the benefit of compounding of funds. The compounding effect
can be visualised in a way that if a member does not withdraw his PF money on
change of job and gets it transferred to his new account. then the same money
would get doubled in approximately 8 years, assuming EPFO continues to give
atleast 8.5 per cent interest rate just like it has given in the past so many
years.
3. A service of more than 10 years makes the
member eligible for pensionary benefits. Transfer of PF accounts ensures that
the past services does not get lapsed and continues to get added in the
subsequent employment.
Source: EPFO Twitter Handle
Disclaimer:
IN NO EVENT THE AUTHOR SHALL BE LIABLE FOR ANY DIRECT, INDIRECT,
SPECIAL OR INCIDENTAL DAMAGE RESULTING FROM OR ARISING OUT OF OR IN CONNECTION
WITH THE USE OF THIS INFORMATION
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