# How much amount will you get on EPF withdrawal

When I got my EPF amount in my bank account, I was not sure whether its the right amount I claim. I have got the amount in 2 portions so I thought one would be the employee's contribution and the other would be employer's. But that way the calculations didn't match. Its only after a day of many failed attempts that I could match my amount correctly with my calculation. And what a joy it was! I got to know that one portion was the total EPF portion (i.e. my EPF contribution + employer's EPF contribution) while the other was the EPS (Employee Pension Scheme) portion.

After becoming EPF enlightened, I thought of sharing my wisdom ;) with you. If you want to calculate your EPF amount, here are the steps -

1. Find out your PF contribution - It appears usually as 'PF deduction' in your salary slips. It will either be (a) 12% of your (basic + DA(if any)) or (b) 12% of Rs 15000/- i.e. Rs 1800/- (Rs 780 before Sep 2014)

2. Find out employer's PF contribution - It is usually mentioned in the offer letter. If not there, ask your employer. It will either be (a) 12% of your (basic + DA(if any)) or (b) 12% of Rs 15000/- i.e. Rs 1800/-

3. Understand the EPS component - Out of the above 12%, 8.33% goes in Employee Pension Scheme subject to a maximum of Rs 1250/- (Rs 541 before Sep 2014). So the actual amount that goes in EPF from employer's contribution is 3.67%. If your employer is contributing Rs 1800/- (12% of Rs 15000/-), then EPF portion will be 3.67% of 15000/- i.e. 550/-. While if your employer is contributing 12% of your (basic + DA(if any)), then EPS being capped at 1250/- , EPF portion will be = 12% of basic - 1250/-

4. Understand the interest calculation - The interest on EPF is calculated as simple interest on monthly contributions and round to nearest rupee and then compounded yearly.

Please note that as of Jan 2018, there is talk of returning the profit made in stock market by EPFO to its subscribers/members. EPFO has been making small investments in stocks/equity since 2015 and this investment is around 32000 crore as of Nov 2017. The profit in stock investments can be transferred to member in terms of ETF units. As per last meeting of EPFO, it is supposed to be credited by end of March 2018. We will update the article to include more details about this in April 2018 or so.

### Example EPF Calculation

Lets say my EE as well as ER contribution is 1800/- Out of employer's 1800/-, only Rs 550/- are going into EPF while the remaining Rs 1250/- are going into EPS. Lets say I joined in Nov. The interest calulation on my contribution for the first 5 months of employment is given below :

Date Accumulated Employee Contribution Monthly Interest @ 9.5%
1-Dec 1800 (This amount is the contribution of November which got submitted in PF account on 1st Dec) 0 (No interest earned as on 1st Dec because there was no PF balance before this date)
1-Jan 3600 (This amount is the contribution of Nov. and Dec. both : 1800+1800=3600) 14.25 (Interest is calculated on the amount which was there in the account before this date: 1800*9.5% /12)
1-Feb 5400 (3600+1800=5400) 28.5 (3600*9.5% /12)
1-Mar 7200 (5400+1800=7200) 42.75 (5400*9.5% /12)

This means my total contribution for the whole financial year is 7200/- and the interest is 85.5/- . The interest will be added to the contribution at the end of the financial year. So next year 7200/- + 85.5/- will become my opening balance and the calculation will go on like this. Similarly employer's contribution is calculated below:

Date Accumulated Employer Contribution Monthly Interest @ 9.5%
1-Dec 550 (This amount is the contribution of November which got submitted in PF account on 1st Dec) 0 (No interest earned as on 1st Dec because there was no PF balance before this date)
1-Jan 1100 (This amount is the contribution of Nov. and Dec. both : 550+550=1100) 4.35 (Interest is calculated on the amount which was there in the account before this date: 550*9.5% /12)
1-Feb 1650 (1100+550=1650) 8.7 (1100*9.5% /12)
1-Mar 2200 (1650+550=2200) 13.06 (1650*9.5% /12)

This means employer's total contribution for this whole financial year is 2200/- and the interest is 26.11/- . So next year 2200/- + 26.11/- will become the opening balance and the calculation will go on like this.

Note: To know the EPF interest rates for a particular year, see this post : EPF Interest Rates

### EPS calculation

If you have filled the withdrawal option in Form 10C, you would get a EPS portion back. Here are some facts:

1. The EPS part (which is a part of the employer's contribution) does not earn any interest.

2. On EPS withdrawal you do not get the full EPS amount. The amount depends on number of years of service, and is not related to actual balance in EPS Fund. The withdrawal amount is governed by Table ‘D’ (given below).

3. The fraction of service for six months or more is treated as one year and the service less than six months is ignored. So 3 years and 6 months will be rounded upto 4 years and 3 years, 2 months will be rounded to 3 years.

Table D

Years of Service Proportion of wages at exit
1 1.02
2 1.99
3 2.98
4 3.99
5 5.02
6 6.07
7 7.13
8 8.22
9 9.33

### Example EPS Calculation:

I had completed 1year 5 months in my previous company, so for the purpose of EPS calculation my 'years of service' will be counted 1 year. My monthly salary was > Rs 15000 per month but for purpose of EPS only Rs 1250 p.m or Rs 15000 annually is considered. So the EPS amount that I got back was 1.02*15000 = Rs 15300/-

With the above information on your fingertips, I hope you would be able to solve your EPF - EPS mystery. Wish you good luck!

To read all articles related to EPF/PF go to EPF/PF - All Articles

### EPFO slashes interest rate to 8.65% for 2016-2017

EPFO has decided to cut down the PF interest rates for financial year 2016-2017 to 8.65% from the current 8.8%. This is the lowest rate in four years and the decision was taken in light of falling interest rates worldwide. Finance Ministry needs to ratify the decision after looking at the current financials of EPFO. The final notification on interest rate by finance ministry should come by February 2017.

20th December 2016

### EPF interest rate rolled back to 8.8% for 2015-2016

Following the strong opposition from trade unions, government has to rollback its decision to give 8.7% interest on PF deposits. The interest rate for financial year 2015-2016 is now fixed at 8.8%. It was 8.75% in the previous financial year and government wanted to lower it on the grounds of market volatility and the global economic slowdown.

19th April 2016
Category: finance

• Dhirendra
12 May 15
I have completed 11 years of service in a college and i got other job.now i want to withdraw my epf.which type of amount i will get EE OR ER.PLZ Tell Me
• Anjali
11 May 15
Hi,
I was working with a company 3 years 3 months & then i left the company. i filled the form to withrow my PF .since from 1 yrs i didn't received my pf. & contentiously getting the same online status.

STATUS for Member ID: KRKCH00218900000000434

Claim ID : KRKCH150200012893
Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.

Claim ID : KRKCH150200012900
Status : Claim Form 19 for PF Settlement AGAINST Member Account No (KRKCH00218900000000434) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim form.

Reason of rejection: The reason of rejection is not available in database. You may please contact RO/SRO KOCHI for further details

* * Data available since last six months. * *
* * KOCHI data availaible from 11-11-2014. Last updated on 11-05-2015 at 08:31 am * *
* * Approval Details on PPO and Scheme Certificates will be made available soon.. * *

i spoke with my company HR and she asked me to send my 10th markehseet , as she has made mistake on my name and thats the reason its got rejected. i have already sent one months back. could you help me to understand when i will received my Pf. please help me

Thank you
Anjali
• Tapan
11 May 15
Hello Sir,

This is Tapan here, I was working with an organization and I was having the pf account. Right now I have left that company and joined other company, is it possible to submit to carry on the same account for the current company, please guide me.
The current company has already opened a new pf account for me, I want to get transferred all the amount of previous account to current account or vice-versa.

Thanks and regards,

Tapan.
• Lokesh
11 May 15
Hello Neha,

This is Lokesh here, I wanna to know that the amounts which are showing in my pf account, only those amounts am I going to get [like employee share, Employer Share and EPS] should am I going to get all the amount after adding all of three. I have applied form 19 and 10C both.

• Vivek Bhupendar Kumar
06 May 15
So very informative i was worried as i only got the EPS part of the money now i will wait for the 2nd part patiently thanks to you neha...
• SRI
27 Apr 15
Hi
It shows EE Amt:32762 and ER amt:27839 as on 10-11-2014 but i applied for withdrawal on jan 2015. on 25th April igot the amt depsoted is 4329. How come so less amoount. I quit the company on 30 nov 2012 sibnce then there is no contribution. Please advice.

• Ananta chetry
18 Apr 15
Hi all, I have worked for 2 years in bestseller retail india pvt ltd.I have checked my epf balance n I got sms ER amount 19521 n EE amount 6073 now my question, is this the final amount I am going
to get or something else.? plz help me out
• sai
16 Apr 15
hi as per new budget 15-16, epf max limit increased to 15000 rs from 6500 rs . hence, if an employee wanted to withdraw EPF after 9.4 yrs of experience . what would be his epf amount please
• puneet
13 Apr 15
Hi neha,

Thanks for the post, need ur help.
I left my job after 4.6 years in july 2012 from MNC. at that time, i didn't apply for the pf withdrawal as it was in account & i expected interest will be added. I applied the pf withdrawal in feb 2015, which was rejected by pf office on the basis that they already settled the account in nov 2012. Which was shocking for me!!! On raising the complaint to pf office & to my previous employer, it was told that they had transferred the amount in some one else account whose name was same & left the organization in same year.
Then they contact that person & transffered the amount in my account on 12 april 2015,
Now, as per pf office they had transferred rs 66430(epf) +30120 in nov 2012 to wrong account.
But now in april 2015, after 2.5 year of leaving the job, i got 68318(epf) + 30102(pension).

Question is what should be correct amount in today date if net amount was 66430(epf) only in nov 2012 ?
As no contribution towards this account after aug 2012, what is the total interest amount on this? Who will pay this amount?
• Inderjeet
08 Apr 15
Dear Neha,

Many many Thanks to you for such a beautiful explaination, but i don't know why Table D is not working in my case. Please help in my EPS case. My date of joining is 01.04.2014 & date of leaving job is 31.12.2014. My monthly contrybution is Rs.541/- for EPS. But when I am withdrawn my EPS amount I got only RS.3876/- instead of Rs.4869/-. I know that there is Table “D” formulate the amount, but still amount is not matched. Can you explain me the calculation. My basic salary is 6500/-.

Thanks & Regards,
Inderjeet
• Riddhi
27 Mar 15
I have transferred my previous pf account to the current pf account.
I have got my EPF and EPS amount of the previous acvount transferred in the current account but the pension amount of the previous account is not being reflected in the passbook .
What is the reason why It is not transferred and whether I'll receive the amount when I apply for withdrawal or not .. if not then who ll be benefitted. ?
• Riddhi
27 Mar 15
Hi ...
I have transferred my old pf account in the current account.
I have received the latest passbook of thw current account showing both the accout details merged in the current pf account.

The statement is not reflecting the pension ammount of my previous account. It is nil in the current statement.

Why is it so. ?
will I get the previous pension amount when I claim withdrawal or not.

what is the reason that it is not been transferred to the new account

if I am not going to be receiving the amount then who will be benefited ?
• Supratim Ghosh
24 Feb 15
When and how can I withdraw the EPS? I have served more than 10 years in my current organization.
• DHARSHAN D
18 Feb 15
Can I get that pension contribution rs 541/- when I withdraw my pf after giving resignation for 2 years.please comment
• sohel
16 Feb 15
I got msg twice but it amount debited only once i.e. half of my pf amount plz tell how can I get remaining amount
• Amol B
14 Feb 15
hi Neha ,

Thanks for a very nice post .I submitted PF and Pension withdrawal forms at my previous Employer. I received EPF amount but didn't received EPS amount. Are these forms processed separately.? If yes after how much time I would receive EPS amount once EPF amount is received.

Thank you.
• Ramakrishna Reddy
12 Feb 15
I have worked from march,2009 to march 2011. its completed two years. I applied PF return in DEC,2014. i got the PF amount into my account yetsurday. But really its very less amount. first year PF cutting my salary was 1,440*12=17,280 and 2 years was 1627*12=19524. This amount is cutting from account every month for two years. Company can also contribute same PF amount every months. So total PF amount would Rs. 17,280+17,280+19,524+19,524.

But i got the Rs.11876. Please advice, why less amount is credited into my account. if i calculate the interest rate. Interest is going to be more than credited amount.
• Chandra
10 Feb 15
Hi,
i worked for X company for 2.7 years and switched to Y company. I transferred my EPF account from old company to new company through Online Trasnfer...
i worked for Y company 1.6 years and switched to Z company.
Now is there any chance to transfer my old PF amount alone to Z company and withdraw pension fund contribution from previous employer.
If Yes which form need to submit and also by Online Transfer last time is Pension Fund contribution also transferred to new company ( in my case Y ) or need to submit one more form to my first company (X)..

• Deepak
09 Feb 15
I am working with a company from last 6.8 years. My monthly salary now is Rs 44000. May I know how much amt I will get in employer contribute pension scheme section.
thanks
• Nikhil A Shravane
05 Feb 15
Hi Neha, Really very nice and informative article. I worked for 5 years in the previous company and from last 3 years in current company. I had submitted Form 13 through my previous employer so that EPF amount in my previous EPF account will be transferred to current EPF account. Just after couple of weeks I received SMS from EPFO as below:

"Form 13 (Transfer) Claim ID: XXXXXXXXXXXXXXXXX approved for payment through Cheque. Pmt under process."

But after that I don't know what to do and where to do follow up.
If you have any idea, please can you tell me what to do next?

My previous account was idle from last 3 years, and so now EPFO will not calculate and deposit interest in my old account. [After 900 days EPFO dont calculate/deposit the interest].

This can be avoided if the amount gets transferred from old account to new account before 31 March 2015.

Any help would be highly appreciated.
Best Regards,
Nikhil
• LOKESH
10 Jan 15
THANKS A LOT HAD A CONFUSION IN ER CONTRIBUTION AND EPS GOT IT CLEARLY THANKS A LOT ONCE AGAIN
• hari
02 Jan 15
I have resigned my previous company and its been 2years now and now I have a total ok 4years experience. So when withdrawing pf from my previous company account, will my 4years experience will get counted for EPS calculation?
Also, I see interest is getting added annually to pf account, so EPF what ever amount(my share and part of company share) is shown in the passbook will be the final amount that we will get when with drawing, I am right?
• archana
12 Dec 14
Hi i have worked in hdfc agency for 2 years and idid not receive my pf amount as to date I resigned 3 yrs back..but i hv an acknowledgment as thy have submitted ..could u pls suggest me the procedure how can i get the pf amt..
• neha
14 Dec 14
Check your application status online if you have an acknowledgement number.
• Piyali ghsh
10 Dec 14
I leave my job so please tell me that employer contribute pension scheme money is refundable.l work this organisation 7 years so Pf is taxable.
• SELVA
09 Dec 14
CAN YOU PLEASE TELL ME THE INTREST FOR THIS AMOUNT EE AMOUNT IS 12324 ER AMT IS 4911AS ON 24/10/2014 ACCOUNTS UPDATED AS OF 31/03/2014 EPFO
THANK YOU
• NEHA
09 Dec 14
HI SIR
I AM NEHA I HAVE APPLIED MY PF ON DECMBER 2ND 2014 AS DOJ IS MAY 29 2012 AND DOR IS 12/05/2014 AMOUNT DEDUCTED WAS 500 PER MONTH FROM MY SALARY SOCAN YOU PLEASE LET ME KNOW HOW MUCH IS THE AMOUNT WIL I BE GETTING AND WHEN CAN I EXPECT IT TO CREDITED ???\
THANKS AND REGARDS,
NEHA.
• Pavan
03 Dec 14
Hi Neha,

my monthly PF was 1700rs my contribution and I worked for 3 yrs and withdrawn EPF and EPS but i got only 19300 rs, i don't know what amount is this, is this only interest amount?
• neha
14 Dec 14
1700/- was just your contribution or both yours and employer's contribution ??
• Chaitanya
29 Nov 14
Hi,
I have applied for PF withdrawal 2 months ago. The amount approximately 60000 3 days back I have received 19000 as PF. I have checked my claim status in online.It shows your amount is under process when will I get the remaining amount?

STATUS for Member ID: GRVSP00554520000000035
Claim ID : GRVSP141100006110
Status : Claim Form 19 for PF Settlement AGAINST Member Account No (GRVSP00554520000000035) has been approved. Payment is under process.

Claim ID : GRVSP141100006108
Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (GRVSP00554520000000035) has been approved. Payment is under process.

• DEBRAJ
25 Nov 14
Hi Neha,
My basic salary was less than 6500 but my salary was more than 10,000. and I've worked there for 3 years.
my question is can I get 2.98*6500, or less than that or null..
• neha
14 Dec 14
You shld get : 2.98*basic
• Mani
22 Nov 14
Hello Sir,

• neha
22 Nov 14
• sivakumar
19 Nov 14
how much i will be able to withdraw after 5 years for purchase of a flat
• neha
22 Nov 14
• Rohit Jain
16 Nov 14
Hi Neha,

I started working with a private Company in may 2011 and continued till may 2014
The Summary of contribution is as follows
My Contribution Employer Contribution PF Fund
1st Year(June-Dec) 3652 1116 2536
2nd Year(Jan-Dec) 8313 2539 5773
3rd Year (Jan -Dec) 9087 2777 6310
4th Year(Jan-June) 4660 2638 2022
The Complete period of service was 2 years 11 Months and 21 days.
I left Job in May and applied for withdrawal of PF in November.
My last withdrawn basic was 6069

• SHYJO JOHN
13 Nov 14

I have completed 6 years service in my old company now 3 months over since i quite job and now i am thinking of withdrawing the pf amount should i keep my pf rest with the pf a/c or shall i withdraw? if i don't take it will i get interest for the rest of the years until i wish to withdraw , my pf balance is 201450 rupee both employee and employer what interest i get each year, is there any time frame for pf withdrawal can i withdraw immediately after i leave my service or shall i wait for another 2 , 3 years will you please clarify it
• neha
22 Nov 14
You can withdraw it anytime only condition being you are unemployed at the time of withdrawal. Regarding interest, interest will stop after 3 years of non-activity in the account. So it is advisable to withdraw the amount within 3 years of leaving service.
• INDIRA
11 Nov 14
Hi. Good Afternoon. I had given one month notice to my Employer on 15/09/14 and attended my duties upto 15/10/14 and applied leave for 5 days and from 21/10/14 I am not attending my duties. As on till date also I have not received my relieving letter. I had worked in that company from Aug, 1998 to Oct, 2014. How can I got my PF amount back? Please give your suggestions regarding the same.
• neha
22 Nov 14
Yes, usually employer's signature is needed but in some rare cases you have other way too. Please read point no. 4 in my previous post - http://www.humlog.net/finance/faqs-epf-withdrawal
• SRINIVAS
11 Nov 14
I HAD LEFT MY JOB 15 DAYS BACK DUE TO SOME PERSONAL REASONS. MANAGEMENT NOT ACCEPTED MY RESIGNATION AND ALSO NOT RELEIVED. BUT I AM NOT ATTENDING MY DUTIES FROM LAST 15 DAYS. SHALL I GET MY PF AMOUNT BACK? IS IT NECESSARY TO SIGN BY THE EMPLOYER? FROM LAST SIX MONTHS EMPLOYER NOT DEPOSITING MY PF AMOUNT IN MY ACCOUNT? PLEASE GIVE SOME SOLUTION.
• Vijay G
08 Nov 14
I have simple query, i have transfer my PF account from old to new, now i want to know is this trasfer includes EPF & EPS or only EPF amount will get trasfered
• neha
11 Nov 14
As far as I know when you filled up From No.11 for transfer of your contributions every thing will be transferred to your new PF Account including EPS.
06 Nov 14
I have 7.4 yrs of exp over all and this is my 3rd company and I transferred the previous companies PF to the current PF account in the month of June2014.I will be leaving the current organization the end of Nov 2014.

I would like to know what would be EPS Calculation, if I opt for PF withdrawal

Is it 7.13*6500 or 7.13*15000 (coz I heard EPFO has received its maximum limit to 15000 as wage limit effective from the month of SEP2014)
• neha
11 Nov 14
Sorry, I don't have an answer for this. Better ask some expert.
• Rama Devi K
03 Nov 14
My husband was working in Hal, and passed away in last November. His PF No. is KN-24/7595.
I have a daughter who is 24 years now. Today I got my first pension amount of Rs.2051. and my daughter got Rs 1000.
But i did not get the arrears amount from last december. Is the pension divided or children pension is seperate?
After my daughter crosses 25 years will that amount comes to me or not.
• neha
11 Nov 14
Dear Rama Devi K, pension is divided between you and your daughter. After she crosses 25 years the amount will come to you.
• Saurabh
30 Oct 14
Both side contribution was 780*2= Rs. 1560.00. Pls tell how much final amount will I get after working 2.8 years.
• Rohit Rami
29 Oct 14
Hi all,

I want to know the exact amount of my pf. As per below msg I received from online epfo website.

EPF Balance in A/C No. GJ/AHD/00XXXXX/000/000XXXis EE Amt:Rs 11696, ER Amt:Rs. 3572 as on 05-08-14 (Accounts updated upto 31-03-2014)-EPFO

Please let me know the exact amount, I can get.
• neha
01 Nov 14
It will be 11696 + 3572 + interest after 31-03-2014
• Ankit
22 Oct 14
Hi Neha,

My EE amount is 37K and ER is 18K ,if I withdraw my PF after completing 3 years,how much amount I should get,
• souvik
20 Oct 14
My EPF claim has been approved.payment is under process.what is the maximum time for getting payment after approved claim?
• neha
27 Oct 14
arnd 2 months
• Arbind Kumar srivastav
15 Oct 14
Pls help me how can get my Balance EPF amount
• Sunil
02 Oct 14
Hi 'm currently working in a BPO sector from 4 years , now I need an advance PF amount , could you please assist us am I eligible for an advance amount and how can it be done to get it, if eligible when can I expect it to be credit in my account.
• neha
02 Oct 14
• pooja
27 Sep 14
Hi,
I was resigned on 01.06.2014 and rejoining same organization 22.09.2014Whether I can continue the Same PF account number
• neha
29 Sep 14
I think yes, same account number would do.
• Prabhu
23 Sep 14
Hi,

My EE Amount is 3111 and ER Amount is 1476
So as per Your EE + ER Calculation = 4587/-

Then What About Interest and How Much I will Get I need Answer For This

• neha
23 Sep 14
EE and ER amount is inclusive of interest. You will get EE+ER + a portion of EPS(acc. to Table D)
• Ravindra pratap singh
21 Sep 14
Dear sir,
i want to know my total pf balance in my pf account.
EE amount is-Rs.32875 and Er amount is-Rs.12805 then what will be my total PF balance in my PF account.
• neha
22 Sep 14
EE+ER = total EPF.
• GS MALI
20 Sep 14
Dear Neha, Thanks for sharing your knowledge to people like me who are zero in finance. I am retiring after 27 years services. When I checked my A?C by sms it shows EE & ER amount. Will I get back EE+ER or only one part..which part. I am eligible for Pension; Employer contribution was minimum of Rs 780 pm. What will be my pension...if you can help...Thanks in advance.
• neha
21 Sep 14
You will get both EE and ER. Pension will depend on your last drawn monthly basic salary.
• KG
18 Sep 14
How do I withdraw my PF amount online into my bank account. can some one please share the process ?

thanks KG
• neha
21 Sep 14
You can read instructions here - http://www.humlog.net/finance/pf-withdrawal-form19-form10c-instructions
• SANTHOSHKUMAR
16 Sep 14
I worked 3 years 1 month in my organization i am receiving pension fund Rs.12935. But my calculation 2.99*6500= 19435
Why this difference pls help me
• neha
21 Sep 14
Was your monthly salary > 6500/- at all times during those 3 years and 1 month stint?
• Yogesh
10 Sep 14
Hi Neha, Lets say I have completed 4 years in same organization and now I would like to apply for PF withdraw including pension. Now here, Pension amount will be multiple by 3.99 as per Table D? Lets say Pension amount is 50000. So will it be 50000*3.99=199500?
Thanks,
Yogesh
• neha
21 Sep 14
NO, please read the post again. Pension amount is not multiplied by the wage factor. Its the annual basic salary (capped at 6500/-) which is multiplied by wage factor.
• sakil khan
06 Sep 14
on online pf passbook download its showing no information of interest.plz help
• Sreehari
05 Sep 14
Hi Neha,

This particular blog\post is really wonderful. Your explanation is butter smooth without any confusion.
I have a query: I worked for a company for 3 years 10 months and if I happen to check all the 46 payslips for the PF deduction from my salary it is around 50,987(roughly) rupees but when i checked the PF balance online it shows me 2 components EE amount-52988 and ER 25427.
Now my question is
EE amount is the employee contribution ?
ER is the employer contribution ?
Does the PF balance online does not show EPS amount ?
The EE and ER amount is calculated with interest ? as shown online ?
Can i consider my EPS amount to be EE-ER = 27561 ?
Ideally if I withdraw my PF amount I should be getting Amount= (EE+ER+EPS) - Applicable tax

Note: My and my employer contribution is same as mentioned in the offer letter.

Thank you very much and waiting for your feedback.

Sreehari
• neha
21 Sep 14
1) Yes, EE amount is the employee contribution and ER is the employer contribution.
2) Yes, PF balance online does not show EPS amount.
3) Yes, the EE and ER amount as shown online, is calculated with interest
4) Yes, your EPS amount would roughly be EE-ER .
5)If you withdraw, your PF amount would be = (EE+ER+ a portion of EPS calculated acc to Table D). I don't think EPFO has started tax deduction at source. You are liable to pay taxes on the amount you get.

• Hari hara sudan
31 Aug 14
In my PF passbook, my pf amount is around 30K but i got only 8K. can i get a explanation for this please???
• neha
01 Sep 14
A part of the total amount is EPS amount. You don't get it back full when you withdraw. For details see the section EPS calculation in above post.
• Oendrila Mondal
23 Aug 14
Hi Sowmya,

I worked for about 5 yrs and resigned almost 2 years back. Now I want to withdraw my PF.
I have some doubts regarding the PF Closer & Pension Claim Form.They are as follows:

1. What is the meaning for old & new GSCA?
2. Are the term 'nominee' & 'trustee' same?If not what is the difference?

Thanks & Regards,
Oendrila Mondal
• Ravindra
21 Aug 14
Hello Neha,
How long did it take for you to receive your EPF settlement amount from the date you receive your first amount ie EPS?
I got the EPS today 21/08/2014 and would like to know apprx by when I will receive the actual EPF amount?
Thanks
Ravi
• SUNIL SUNDARAM
18 Aug 14
I got an SMS today for my PF balance...Total EE + ER contribution is around 2.8 Lacs..I have completed 5.5 years in the same organization...I have also bought a house and need an advance against PF

Can i take advance against my PF?if yes what would be the amount i can withdraw as advance?
• neha
23 Aug 14
• DHARMALINGAM
05 Aug 14
i have worked for one organization around 7 month, i left that organization after that.
i would like to know whether my organization has opened a EPF account or not?

From one of my colleague , i got the organization EPF account details, Is it possible to know is there an account opened on my name or not?

Organization EPF No: PY/PNY/0016584/000/0000000
• RAJESH NAIDU
30 Jul 14
Hi I have 30000 in my Employee Pension Scheme
I Have completesd 4 years 4 months and now i hve applied for pf withdrawal.
Please tell me how much will get under this cateogary.
As per your calculation i have get 30000*3.99=119700 is it coreect plz tell me asap.

Regards,
Rajesh
• neha
23 Aug 14
it would be 6500 * 3.99
• Sarvesh
25 Jul 14
can i merge the last two pf accounts with my present pf account or not? what is the benefit it will be for me? i know i wont get any extra money for the merge/transfer. but i want to increase my pf account maintaining period with epfo. pls help.
• neha
23 Aug 14
ye you can transfer the first accnt to 2nd one and then 2nd to the last one.
• chakkaravarthi a
23 Jul 14
my EPF ee amount is 25160 & ER AMOUNT IS 7696 ( CLOSING DATE 31.03.2014) HOW MUCH I GET THE AMOUNT TOTALY
• anil
18 Jul 14
I completed service from 1 March 2004 to 14 Feb 2014
On 14 Feb 2014,
On 14 Feb I given resignation but company rules one month notice period
My question is which periods consider for 10 c form
Can I withdrawal epfof amount
• neha
25 Jul 14
The period of service means from Joining date to last working date which means that the notice period is also included in counting it.
Yes, you can withdraw EPF but not EPS as you have exceeded 10 years.
• Ravindar Goud keshamoni
17 Jul 14
Dear Sir,
I have Checked in my epf balance that shows EE Amount is 26478/- & ER Amount is 8141/-,But How much Total Amount ?
• Venkatesh Godithi
16 Jul 14
When I got my EPF amount in my bank account, I was not sure whether its the right amount I claim. I have applied for PF in my old office in the month of Feb - 2014 .
• Richa
16 Jul 14
Hi,
I joined an organization on 18 nov 2013 and left on 23 apr 2014. I would like to knw how much amount i'll get.
My groos salary was 25000 and in hand 23,200 and there was only p.f deduction of 1800 rs.
Somebody pls help me.
• Ravindar Goud Keshamoni
13 Jul 14
I Ravindar Goud,i need clarification about my Pf total amount Iam working 5 years in a company i had check pf balance in epf website,i got message like EE amont is 26748/- & ER amonut is 8141/- as on date 31-03-2014 accont updated,now how much amonunt coming to me?
• Anne
10 Jul 14
Hi Neha,

I received a claim status confirmation that my PF is settled. Can you please let me know how long does it take for the money to be credited post receiving this message. Its been a week since I got the e-mail.

Regards,
Anne
• MOHIT
09 Jul 14
PLEASE TELL HOW MUCH WILL GET???WORKED FOR 2 YEARS APPROX.

Closing Balance as on : 25/06/2014 18:07:28
Employee Share : 18133
Employer Share : 5552
Pension Fund : 11243
• SANJAY KUMAR
07 Jul 14

Please advice me, my previous company services only 5 month. I have received amount only Form 19 but don't received any amount against the form 10C. It's showing rejected below message show

Claim ID : GNGGN140500013975
Status : Claim Form 10C for Withdrawal Benefit AGAINST Member Account No (GNGGN00304410000000294) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.

What can i do than recover this amount.

• neha
10 Jul 14
If you have worked for less than 6 months you won't get the EPS(Form 10C) part.
• rashmi
30 Jun 14
Hi,
Your post is quite informative, and this responsive discussion forman gave me the courage to post my query.
I worked in org#1 (EPFO office at K R Puram, bangalore) for 4.1 years, then I changed my job in July'2010. This new org#2 also has their PF at KR pram, bangalore EPFO branch. I applied for my PF transfer in Jan'11. After waiting for 2 years, when I reached my current office for the status of PF transfer they said, it takes 2-3 years so you should be paitent. In march'14 I check on-line, it showed status (as of March'12) that my PF was rejected; reason- it was not properly stamped/signed by my current employer. My employer says they have stamped and signed duly. But till now neither me nor any of previous or current employer got any rejection form from PF office. So I though of re-applying , and I did 3 months back, again it was rejected saying The NAME and NUMBER mismatched and the rejection letter was sent to my previous employer. Now I went to the PF office personally, they told me everything matches, name and number and someone must have accidently rejected it.
My query is how can I get the interest for the period, from when my account has become dormant/inactive...as I have duly applied for the PF transfer on time and because of someone mistake at PF office I am loosing my interest.

Thanks in advance for the help.

regards,
rashmi
• RAJ
30 Jun 14
IN MY PF BALANCE STATUS IT IS SHOWING THAT MY IF EE IS 2904 AND ER IS 887 , WHAT IS THE TOTAL AMOUNT I GET . PLEASE ANYONE TELL......
• Tanmoy
26 Jun 14
Hi Neha,
Thanks a bunch for your prolong support in this subject. Hope you will be able to clear my doubt regarding the EPS amount I have just received.
I have worked in the X organisation from 9-july-2012 till 6-Jan-2014, so I guess I was just 2 days shy of 1 year 6 months. My employer's contribution to EPS was 541 per month. I have just received 6539 exact, I believe that is the EPS only and EPF part will be credited subsequently.
Now, my doubt is that, as per calculation, my EPS should have been :
1.02*6500= 6630....considering that only 1 year of service is considered.
So, is Tax deducted from the amount or what?
And shall I be eligible for 1.99*6500= 12935....that is considering 2 years of service as EPF was deducted for 18 months only?
Will be greatful if you can clarify...
Thanks...
• neha
02 Jul 14
Hi Tanmoy,
yes only 1 year of service is considered. As per my understanding , it should have been 1.02 * 6500 .
• Preetha
19 Jun 14
I resigned from a chennai based priva te company after 10years and 3months of service and at the age of 36. I got my pf amount and my eps amount gone to pension scheme. I want to know how much i will get as pension amount after 58 years?
• kruthika
19 Jun 14
I joined in the month of Nov 5th 2012 & resigned on 28-Feb-2014, i have already applied for PF on 16-Jun-14
My basic salary was 6500, where as employee & employer contribution amount was 780 + 780(Employee & employer) kindly let me know the amount
• Deepa
16 Jun 14
Hello,

I was working with the one company for 65months, now i left that company from past 3years. will i be getting the interest for that amount?
If i want with draw that amount what need to be done?

• Himanshu
12 Jun 14
Hi All,

I just received the money from PF department yesterday. However, the money I received is just one third of the money to what I should have got.

What should I do in this case? I have raised a request on my company's portal to get this issue rectified. I have checked both EPFO and company's records, and the amount I have received is nearly one third to what I should have got!

Regards,
• neha
13 Jun 14
How do you know what amount you should get? did you check your e-passbook?
• Manoj
12 Jun 14
I applied PF on last month only. Now i got one msg from EPF balance department, in which they mentioned my EE amount as 20218 and ER amount as 7474. till 31st march 2014. I am Having doubt whether this is the final amount.
• neha
13 Jun 14
Yes, the final amount would be above + interest earned after 31st March 2014 + EPS share (if you have applied for EPS withdrawal, i.e. form 10C)
• Amit kumar
12 Jun 14
Dear Sir/Ma'm,

I Joined on 26 Oct.'11 and resign on 18 Nov.' 13. how to know about my PF amount, can i withdraw but how.
• neha
13 Jun 14
to know PF balance, read this -http://www.humlog.net/finance/epf-balance-check-error-or-office-code-not-in-list . To know withdrawal procedure, read this - http://www.humlog.net/finance/pf-withdrawal-form19-form10c-instructions
• Priya
12 Jun 14
i was worked in company from jan 2012 to march 2014..now i left my job....Each month : 680 for first one year....Next one year my pf amount for each month is 750..so ,my pf amount for 2.3 years is around 18000..how much amount will i get?
Thank and Regards,
Priya
• Nilesh
07 Jun 14
I have completed 9 years in my current organisation. Can I withdraw only EPS midterm as I am not planning to resign from current organisation.
• neha
10 Jun 14
No you cannot.
• santosh mirajkar
07 Jun 14
Dear Sir,
IN my PL Application for i fileld my name but on Account No. i Field my Friends Account No. and after an Year i file Again with Correct Account NO & Name, but still i not got PL provide any segation or any Help and pl Contact me if possible my mail ID:-mirajakar.santosh@yahoo.com

• Ash
02 Jun 14
I understand that it very beneficial to claim total EPF after 5 years but I have one question . Does employee should claim EPF only after resignation of the job or Any employee can claim EPF anytime regardless if that employee has left the job or not ? If so , then will new account will continue along with employment after withdrawal , please clear the clouds for me ?

Ash
• neha
10 Jun 14
No you cannot withdraw anytime. Only when you leave the job, you can withdraw.
• santosh
31 May 14
Dear All,

i am working xyz company since 2008 & now i check my pf on website it show me my EE amt : 47631 & ER amt: 14571/-.( account updated 31/03/2014) if today i will leave job how much should i get pf?

& per my information same amount EE & ER should be same but its show me different amount?

• neha
01 Jun 14
You will get 47631+14571+EPS part which is calculated as shown in the post. The difference in ER amount is because only 3.67% of employer's contribution goes in EPF fund , the rest 8.67% goes in EPS

• Supratim Ghosh
30 May 14
Hi
I have served in one organization for more than 10 years across multiple cities. Hence I had separate PF accounts in each city I have worked in. My latest PF account is active since 2009. Now that I have transferred the total EPF balance from my previous accounts to the latest one, Will I be eligible to withdraw EPS post my separation? Considering the rule of >10 yrs service one can't withdraw EPS but I'm just thinking that since my latest account is around 5 years in operation, I may be eligible. Your views please.
Thanks
• neha
01 Jun 14
As far as I understand, you cannot withdrawal EPS once you complete 10 years of pensionable service.
• Jabir
29 May 14
Hi Neha, Thanks a ton for this simple and detailed explanation. I too was struggling with this computation and your explanation made my task easy. :-)
Really appreciate the trouble you took to help others.
• neha
30 May 14
Hi Jabir, Glad it helped someone. Thanks for the good words.
• Mohammed Taha
29 May 14
Hi Neha..
Could you please help me know my PF balance. I have tried several times via website but i am unable to get proper details.. KN/BN/24960/47588.
You can email me at tahasss21@gmail.com
Regards,
Mohammed Taha
• neha
01 Jun 14
If your employer is DELL , your new PF number should be BG/BNG/0024960/000/47588
Try with it
• Vijay15
26 May 14
Wanted to know EPFO penalty if PF withdrawn with immediate job change. This is after working 10 years in a single company & then resigning and taking up a new job within a few days. Considering it is our money kept with EPFO, should there be a penalty?
• neha
01 Jun 14
I don't know what is the penalty but according to laws you are not supposed to withdraw on changing jobs. You should transfer the old account's money to the new account.

The reason behind it is that EPF is maintained with govt. to provide retirement benefits to the employees. If you withdraw the sum while working, it defeats the whole purpose.
• peter
22 May 14
Hi,
I have checked my claim status it shows that the form has reached PF office on 6/5/2014. So how much time it will take to get into my account.
• neha
24 May 14
around 2-3 months.
• Kapil
19 May 14
Hi,
My DOJ in my company is 17.Nov.2011 and the DOR is 8 Dec 2013. My basic salary is Rs.7500/- and my monthly PF contribution is 12 %(employee and employer). I want to know what would be my total PF withdrawal amount . Pls let me know the calculation.

Thanks & Regards
Kapil
• neha
21 May 14
The method of calculation is given in the post. Please work out as mentioned there.
• guru
17 May 14
if my EE amount is 6791 and ER amount is 2083 wht is amount i get when i withdraw the amount
Thanks and Regards
Guru
• neha
18 May 14
6791 + 2083 + interest depending on when you withdraw + EPS amount as calculated in the post
• Ankush
16 May 14
Hi neha,
thank u for writing this great article. I was searching for pf related questions on net from many days. All my queries are solved in ur article.
• neha
16 May 14
Thanks Ankush, for the nice words!
• Komal
13 May 14
Dear sir,
I have left the previous organisation in less than 2 years. I dont want PF to be withdrawn,
A) So do we get interest on accumulated amount though i have left that organisation?
B) If i withdraw it after 3 years so will it be non-taxable as amount would be there in account for 5 years?
Komal
• neha
13 May 14
Hi Komal,

A) Yes, you will keep getting the interest but only for the next three years. After that your account will become inoperative and will not receive any interest.
B) Yes, after 5 years of service, its non-taxable.
• Dr. Avdhesh Gupta
09 May 14
Sir, My EPF starts from 01 April 2006. I resign the job on 31 June 2011. Now I want to withdraw complete amount i.e. (employee share + Employer Share + Pension Fund) Now I am again in another job, and the present company is not deducting any EPF. So I want to close the old account.
How is it possible. Can I get full amount, if yes then pl. let me know the procedure.

Thanks
• neha
09 May 14
Going by the laws, you can withdraw only if you are unemployed. Although many people, who switch jobs, withdraw PF of previous company but it is not allowed as per act. As you are working, I would suggest you transfer your account. But if transfer is not possible for any reasons then apply for withdrawal. For procedure read - /finance/pf-withdrawal-form19-form10c-instructions. For full amount calculation read - /finance/calculation-of-epf-amount-with-interest
• Venkat
07 May 14
Thank you is a wonderful calculation..
• Joseph
06 May 14
I was employed for 4 years and 3 months. My EE is 49674 and my ER is 25987 as of 3 years and 9 months - as per the message received from EPFO. I dont know what my 10c pension amount is . I received sms informing me that both my EFP and 10c claims have been sent for payment. I received 9975 from EPFO yesterday. I calculated the 10c amount based on teh calculations you have provided. Even if the amount was 521 per month, my 10c amount for 50 months should be more than 10K. Is PF payed i installments now ? if yes how is the first installment of 9975 calculated ? In how many days can i expect the rest ? Do they send us a detailed doc on how the amount was calculated ?
• neha
07 May 14
Hi Joseph,

If your basic salary was > 6500/- at the time of leaving , then your EPS should be around 26K. EPFO does not send any document regarding the calculation of amounts. However they provide the E-passbook facility wherein you can verify the amounts. Read more about E-passbook - http://www.humlog.net/finance/epf-account-online-e-passbook
• Rishabh
06 May 14
I had submitted epf for 10 c an 19 about 30 days back.yesterday my account is credited with 17196 rs. But my monthly contribution was 780 and same amount contribution from my previous company, I worked there 15 months so total contribution was 23400. So why has less amount credited that actulal?
• neha
07 May 14
Out of 780/- of employer's contribution, only 239/- goes in EPF the remaining portion goes in EPS. Please read the full post to understand it.
• Rish
06 May 14
I had submitted epf form 10 c and 19 to pf office 30 days back.My total amount is about 23000, but only 17196 rs. is credited to my account.I talked to my previous company accountant and he said that amount will be paid in two parts. Is it true?is there are different-2 amount for 10 c and 19?
• neha
07 May 14
Yes, total will be paid out in two parts : 1)EPF part 2) EPS part
• nagaraju
05 May 14
hai sir,
I completed 5 year with my current organization . I am planning to withdraw PF amount for extension of my house.( I st. floor construction). I have permeation for construction of ist floor. can I apply ?
• neha
07 May 14
Yes you can apply. http://www.epfindia.com/Forms/Forms_Instructions/Instructions_Form31.PDF
03 May 14
HI,
My total pf balance is:
Closing Balance as on : 04/03/2014 13:52:54
Employee Share : 8528
Employer Share : 2801
Pension Fund : 5724

But 4 days back I got 4896rs. credited to my account.can I expect the the remaining later?
And on what basis they are calculating it.If the remaining do not get credited within one week.what should I do?
• neha
04 May 14
Yes, the full amount amount comes in 2 instalments. Sometimes the time difference between 2 instalments can be a month. So I would suggest you to wait.
For the understanding of calculation read my previous post - http://www.humlog.net/finance/calculation-of-epf-amount-with-interest
• Sumit
29 Apr 14
I have applied for PF withdrawal via my old company on 27-Mar-14, but still no response has been received, how many days will it take for PF to be withdrawn.
• neha
30 Apr 14
2-3 months
• Sweta Rani
28 Apr 14
Hi neha,

I was working for IBM Gurgaon , and due to some reason I took internaly transfer from IBM gurgaon to IBM bangalore , without my knowledge in bangalore new PF account has been opened . Now I left the organisation,I got the information that i need to fill up two separate form, but now I want to know that for my gurgaon PF account should i need to use revenue stamp also , as i was last working with IBM bangalore branch .And also i want to know that can i post my PF form to PF office or I need to go to the PF office to submit the form?
• neha
29 Apr 14
Hi Sweta,

All you need to send forms to your employer. They will sign/stamp on it and then forward your forms to the EPF office. Regarding stamp, please ask your employer, whether it is required.
• PRAKASH R
28 Apr 14
Hi Sir,
I applied PF on last month only. Now i got one msg from EPF balance department, in which they mentioned my EE amount as 3737 and ER amount as 1638. I am Having doubt whether this is the final amount. My contribution + Company contribution = My pf amount is this right, 3737+1638=5378 or 10756(double the amount). Which one i am going to get. Pls clear my doubt.
• neha
29 Apr 14
You will get 5378/-
• Sweta Rani
26 Apr 14
Hi,

I was working for IBM Gurgaon , and due to some reason I took internaly transfer from IBM gurgaon to IBM bangalore , without my knowledge in bangalore new PF account has been opened . Now I left the organisation so i want to know that should I need to fill up 2 different form for taking out my Pf amount or i need to fill up only one form .
• neha
27 Apr 14
You would need to fill 2 forms one for each account.
• pritesh
23 Apr 14
i complete 9 year 11 month can i withdrow EPS portion ? from PF
• neha
24 Apr 14
Yes, you can
• chandru
22 Apr 14
Dear sir
I have resigned Delhi base company working in Kerala for 10 years
I got PF but form 10c have been how should I fill and submit it. That
• neha
23 Apr 14
• ELANKUMARAN
19 Apr 14
AFTER 10 YEARS I AM RETIRED FROM MY JOB MY EPS SHOWING 50000
NOW MY AGE 34 HOW WILL I AM GETTING IN MY 58 OF AGE
• Amit 77
17 Apr 14
Hi Neha,
I have got the PF amount but i have not get EPS amount i have worked for 1.4 yrs in my previous organisation. Pls share that how many days it would take to get 2nd credit as EPS payment.
• neha
17 Apr 14
I got both the credits on same day. However some people get it a month apart also. Its different for different people. I would say wait at least for a month.
• Archana
17 Apr 14
Hi,

I applied for pf withdrawal after leaving service at 4 years and 11 months of service. I just found out that my pf would be taxed and i want to avoid that. How can i cancel my withdrawal request - i have contacted my company, but there is no response from their side. also, my forms 19 and 10c have reached the pf office ...
• neha
17 Apr 14
I am not aware if anything like cancellation of withdrawal can happen. If anyone knows please share.
• Vineet
16 Apr 14
My pf balance shows rs 90835 and employer cont is approx 65000, updated till march 2013, have resigned in Feb 2014, basic salary was approx 17500, what would be my total approx amount which i will be getting.

please suggest and guide, and apart from that i while submitting the form i have submitted the old cheque which has been withdrawn thus year, will this create any issue in getting my pf amount as i don't have the latest cheque.

vineet
• neha
18 Apr 14
You can check E passbook : http://www.humlog.net/finance/epf-account-online-e-passbook to know how much amount you have accumulated so far.
I dont think old cheque would be a problem.
15 Apr 14
Hi,

My PF Withdrawal status online is showing as approved since 11th of April 2014. Any idea how long it would for the amount to be credited ?

• neha
16 Apr 14
2-3 months
• Kiran
15 Apr 14
I had left the job after completion of 2 years 4 moths service, my pf account shown in statement EE Share = 14922; ER Share = 4561; EPS = 10029. How much i got amount.
• Sunil
13 Apr 14
hi,
Thanks for providing the detailed explanation.
Below are my queries:
1) As the EPS is restricted to 541/- per month does that means any thing extra would go to EPF contribution?

2) I was working with company X from June 2008-November15th 2012 and then joined another company from November19th - presently. I have applied for transfer of My EPF however, it is still pending. Please suggest if i should wait for the transfer or apply for withdrawal? if i withdrew the money will it be taxable.
• neha
14 Apr 14
1) Yes, anything above Rs 541/- will go towards EPF contribution.
2) Legally you can withdraw only if you are unemployed. So I suggest get your account transferred.
• Sunil
14 Apr 14

But my other colleagues have withdrawn their PF amount and are counting the Job.. Will it be taxed in my case?
• neha
15 Apr 14
As you have exceeded the 5 years of service, EPF will not be taxable.
• shivani
08 Apr 14
Mam meri doj 2 Jan 2010 hai or merit basic 6500 or mera resine hua tha 31dec2013 mam mera total pf amount kitna hua
• neha
09 Apr 14
You can work out the calculation as shown in the post.
• kishan
07 Apr 14
My DOJ in my company is 19.March.2012 and the DOR is 24 APR 2013,My basic salary is Rs.6500/- and my monthly PF contribution is 12 %(employee and employer). I want to know what would be my total PF withdrawal amount. I have applied for claim but i got so less i cant say also only 2,700.Pls let me know the calculation.
• neha
09 Apr 14
Should not be so less. Have you checked your passbook online? http://www.humlog.net/finance/epf-account-online-e-passbook
You can see all the transactions there for eg. whether your employer has deposited the money to EPFO.
• Omy
06 Apr 14
Hi, on the balance it shows EE 29575, ER 9103. I have worked for 3 years and 10 months. plz tell me how much total amount will I receive?
• neha
09 Apr 14
You can work out the calculation as shown in the post. If you have any specific doubts , then only revert.
• Mahesh
06 Apr 14
Dear Sir,
I have done all the required procedure, i got the msg form EPFO that your payment under process through cheque. I just want to know how many days it will take for cheque dispatch?
• neha
09 Apr 14
2-3 months
05 Apr 14
You should send the forms to the respective employer with whom you have the PF account. As for the procedure of withdrawal, see the details in this pos
• JASVINDER SINGH
31 Mar 14
Hi,

I submitted epf withdraw form 23rd january 2014 but as on date my pf not recd. Can u tell me how many days I recd. my pf amount my pf no. GJ/RJT/42802/981
• neha
01 Apr 14
2-3 months
• Rajiv
27 Mar 14
Hi,
I received sms today that is my application is under process and they given clain id too. can u tell me maximum how many days will take to credit amount into my account.
• neha
29 Mar 14
2-3 months
• Pankaj Jain
20 Mar 14
My opening balance on 31/03/2009 was 27005 (EE) + 18486 (ER). Now in year 2009 - 2010 my total epf contribution was 23664 (EE) + 17172 (ER). So the amount on which I should be getting interest is 50669 (EE) + 35658 (ER). And the respective interest should be 4306.87 (EE) + 3285.93 (ER): interest rate for 2009 - 2010 was 8.5%. But the passbook says 3225 (EE) + 2248 (ER). Difference of 1081.87 (EE) + 1037.93 (ER). Can anyone clarify, why is my pass book showing this difference?

Thanks/ BR
• neha
25 Mar 14
The interest on EPF is calculated monthly and not yearly. You are calculating yearly on full year's contribution which is not the way its done. It is calculated as simple interest on monthly contributions and round to nearest rupee and then compounded yearly.
Please see example calculations in my post to have a clear idea of what I mean.
• Pankaj Kumar
18 Mar 14
Hi,

My name is Pankaj. I left my present organization after 9 months and 19 days. Pf deduction is Rs. 780.00(as per salary slip).
just confirm the below:

I would get (780+780)*9 months=1560*9=14040+int.

please confirm whether the above logic is rt or wrong..
• neha
24 Mar 14
No. The full employer's share does not go in EPF. A part goes to pension fund too. So from 780/- Rs. , only 239/- goes in epf. Your calculation would be : (780+239)*9 + int
• Nasaruddin
17 Mar 14
Hello All,

I have joined new company and would like to withdrawal my PF from earlier company where I have completed 6years and 3 month. Can some one please let me know how much amount I will get at the end?

Basic 10663 Rs
Employee PF Contribution 1280 Rs
Conveyance 800 Rs
Special Allowance 7383 Rs

Thank you,
Nasaruddin Mulla
• Abhinav
15 Mar 14
Dear,
I have submitted withdrawal form 19 and 10c according to sallar the fund was deducted from my side was 600 and from employer 600 total 1200, I worked only 6 months and resigned but the amount creditted in my account is only 5000 but according to the above senario total amound was 1200*6=7200. can any body explain me why this happened. Is epf money credit two times in account
• neha
25 Mar 14
The full employer's share does not go in EPF. A part goes to pension fund too. So from 600/- Rs. , only 184/- goes in epf. Your calculation would be : (600+184)*6 + int
• hussain
15 Mar 14
my salary is and my pf cutting is 480 my construbtion and my empolyer is 480 from 2 year then third year my contrubtion is 780 and my employer is 780 what should be my total pf ammount
of 3 year plz tell iam resign this job now
• Manish
13 Mar 14
I am working in a private company and contributing recognized PF trust run by the same company. Two days after joining I took leave without pay for 2 months and no contribution was made for these months. Now, I want to leave the company just after completing 5 years of job, withdrawal of EPF will attract Tax
• neha
18 Mar 14
In my knowledge, it should not attract tax as you have completed 5 years.
• Netih J
12 Mar 14
Hi Neha,
After completing 6years and 5 months I left my job.
And after 1 year I have claimed for PF amount through Agent.

Now I have one query regarding withdrawal of PF.
Do I will get all 3 amount as showing in PF passbook in one shot
Employee Share
Employer Share
Pension Fund

Or I need to apply again for particular one thing.?

You can also email me on netih10@ gmail.com

Thank You!!

• neha
18 Mar 14
Hi Netih,

You will get all 3 amounts if you have submitted both forms - form 10C(Pension fund withdrawal) and form 19 (EPF withdrawal).
• Uzair
11 Mar 14
Hi, I have applied for EPF claim with Cognizant Technology Solutions, Chennai till now i dont have any update and the benefits team they promise they will get back in 8 business hours every time but they dont keep on there promise. I am not sure whether there understand the value of commitment.

Is there any way i can find out whether they have deposited the EPF amount or not?
• neha
25 Mar 14
Hi Uzair,
• Venkatesh
11 Mar 14
i worked 5 year 3 month in concern...but i relieved before 8month but still now that concern is not settle my pf and not submit the form also PF office what can i do now.....
and how much amount is came for my settlement pls help me....
• Deepika
06 Mar 14
Hi,
AM deepika i worked wit GE For 2 years and my Sal Take home was 14100.00 and i dont know my basic salary i just wanted to knw wat wud be my PF amount.
• neha
24 Mar 14
you need to know your basic for that :)
• Dhanendra singh
01 Mar 14
Ihave subbmitted my epf filled application on 10.02.2014. when can i get the epf
• neha
24 Mar 14
around 2-3 months
• nagesh
28 Feb 14
for EPS every month 541 will be deducted as for the above info and depending up on the number of years of service we will get back that amount from PF office. but one question i have
if i have completed 1year 7 months it will be considered as 2 years so am i going to get 24*541 or 19*541 because in my EPS only 19*541 is credidted.

Thanks
Nagesh
• neha
24 Mar 14
EPS amount which you get back is decided based on table D . Please check the table given in my post.
• Jack
19 Feb 14
Am working in a pvt concern last 7years and still continuing the job in the same company itself.. I would like to know that is it possible to withdraw my PF amount without leaving this Company? Even full or Partial amount is ok. Kindly let me know ASAP..
• neha
24 Mar 14
Partial withdrawal is possible under certain circumstances . See <a href="http://anandvijayakumar.blogspot.in/2010/12/can-i-withdraw-money-from-my-employee.html">this</a>
• Abhishek Ranjan
19 Feb 14
Hi Neha,
I had worked 4.4 yrs on previous organisation and now joined a new orgnisation.My query is
1.If I withdrawl l my PF then it is liable for tax as 5 yrs is not completed.If I donot withdrwal it and leave it for another 8 months so that 5 yrs get completed then is it liable for tax?
2.If i transfer PF to my current orgnaisation then after 8 months ,I am able to withdrwal of that money as it's get complted 5 yrs of contionous service.
3.Is it mandatory to withdrawl both PF amd EPS.If I want only withdrawl PF and want to transfer EPS to cureent orgnisation ,is it posible.
• neha
24 Mar 14
Hi Abhishek,

Yes, if you withdraw EPF before 5 yrs of service, it will attract tax. However, after 5 years completion, its tax free. As per law, you can withdraw EPF only if you are not employed anywhere. I would suggest that since you are currently working somewhere, you transfer you EPF from previous company to new company.
It is not mandatory to withdraw EPF or EPS.
• Chandra
11 Feb 14
Guys, i have noticed most of the people donot know how to get their hard earned money because of complexity in govt process, here is some clarity on PF, gratiuty and EPS-
1- your PF is the combination of funds deducted from your salary+employer's contribution of same amount, if you want to withdraw it after 5yrs of continuous service its non taxable, for the details of funds accumulated, visit epfo wesite, register yourself and get a full statement of you pf account, its very easy now a days and called as pf passport.

2- gratuity can be claimed anytime after 4 yrs and 8 months of continuous services , few people say it can be withdrawn only after 5 yrs. which is not true, it happened with me, got it before five years.

3- EPS can be withdrawn with PF if your services is less than 10yrs by filling form 10C.
• kalyani
11 Feb 14
hi i have a doubt how much i wil get my pension fund amount .i workd three years from 2010 july - 2013 july.my pf got credited .but my pension fund is in pending
• neha
21 Feb 14
pension fund will be given to you according to Table D (please refer the post)
• Rachit
10 Feb 14
I need to apply for my PF two months back. I have downloaded my PF statement from their website that is showing the balances as follows:

Employee Share : 59493
Employer Share : 34170
Pension Fund : 23101

I want to know how much amount I will get as my PF.

Thanks
Rachit
• neha
11 Feb 14
Hi Rachit,

You will get full Employee share and full employer share while the Pension fund amount that you will get will be based on the table D and explained in my post.
• Swapnil
07 Feb 14
Hi I worked for 2.2 years (26 months) for one MNC on contract basis from Jan 2011 to March 2013.
I applied for PF in June 2013.below is the description of PF: (484 for 11 months & 897 for 15 months)
484X2=968. for 11 months: 968X12=10648
897X2=1794. for 15 months: 1794X15=26910
Total: 10648+26910=37558.
Now my question is, how much interest I will get?
because 2 months back I got two SMS back-to-back: one for 9000 & another for 20000. Total=29000.
but still some amount is remaining. And I am totally confused when trying to calculate PF@8.7%.

Thanks, Swapnil.
• neha
09 Feb 14
Hi Swapnil,

Employee contribution = 484 *11 +897*15 = 18779 . this is the principal amount without interest
Employer contribution: EPF part @ 3.67% out of 12% = 484*11*(3.67/12) + 897*15*(3.67/12) = 1628+4110 = 5738

The numbers should match if you do the calculation based on above.
• PPR
06 Feb 14
Hi Neha,

Its a nice article and very helpful to all.

If let us assume that i worked for 2 years and 3 months in a company and if my contribution to the EPS account is Rs.500 for each month for the first year, Rs.600 for each month for the second year and then Rs.700 for the remaining 3 months each. Then as per your article, i will get the EPS amount as below

Rs.500 x 12 = Rs.6000
Rs.600 x 12 = Rs.7200
Rs.700 x 3 = Rs.2100

So i have worked for less than 2 and half years, my years of service in company is rounded to 2 years. so the EPS amount which is Rs.2100 is considered or not?

If not then is my EPS amount which i will get is like Rs.13200 (Rs.6000 + Rs.7200) x 1.99 = Rs.26268?

• neha
07 Feb 14
Hi PPR,

EPS Amount is part of employer's contribution. You DO NOT contribute to EPF. Furthermore, it is capped at Rs. 541/- monthly, an employer cannot contribute more than that. So if you have worked for 2 years and 3 months in a company and your basic salary was greater than Rs. 6500/-, then your EPS amount would be 6500*1.99 = 12935/-

• PPR
07 Feb 14
Hello Neha,

I got you but still i have doubt. That is if i work for 2 years and 3 months and my basic salary for the first 2 years are less than Rs. 6500/- each and for the third year it is more than Rs. 6500/- and for the first year EPS amount is suppose Rs. 200/- for each month and for the second year EPS amount is Rs. 400/- for each month and for third year it is capped to Rs 541/- for each month then what would be the total EPS amount which i receive.

Thanks & Regards,
PPR
• neha
09 Feb 14
Yes, in that case it should be (200*12 + 400*12) * 1.99 . Please note that this is as per my understanding and I am not an expert in this area. :)
• subin
05 Feb 14
Hi.
I worked in a company for one year, and my company deduced Rs.7800(total) during the period. which is clear from my pay slips. But when i check my EPF balance from from epfindia it showing only Rs.5400 (including both EE & ER). Is this is my entire PF amount please advise. My basic pay was 5000.

Thanks & Regards
Subin p
• neha
07 Feb 14
Hi Subin,

you need to tell me what exactly was your contribution to EPF every month and what was your employer's contribution to EPF every month. Hope you know that from employer's 12 % contribution, only 3.67% goes in EPF. rest goes in EPS.
• Rajeev Kumar
07 Nov 13
I applied for my PF two months back. I have downloaded my PF statement from their website that is showing the balances as follows:
Employee Share : 11889
Employer Share : 3761
Pension Fund : 7988

I have sent both forms 19 and 10C for claiming full amount of my PF. I want to know how much amount I will get as my PF.

Many thanks
Rajeev Kumar
• Venkateswaran V
04 Nov 13
Hi Neha,

My completed period on my last organization for EPS part was 01-July-2007 till 12-Aug-2013, if i calculate the completed years it comes 6 Years and 12 Days, rounding off to 6 Years for calculation purpose and my max cap of wages is 6,500 and my entire EPS contribution is Rs 40034, Recently i applied for EPF&EPS withdrawal and i received only Rs 38,915 only and i do not understand how come it be so. My questions are.

Case 1 : it should be 40034,
Case 2: it should be 6.07 X 6500 = 39,455

it neither fits in any of above? pls suggest what might have went wrong?
should i have to register a grievance with EPF office Pls suggest?

Regards
Venkat
• neha
04 Dec 13
Hi Venkat,

Yes, going by the table D it looks appropriate that you should have got 6.07 X 6500 = 39,455. I dont know whats wrong here. May be they had changed the 'proportion of wages at exit' in Table D. I could not find anything on internet regarding this.
However, you can always register a grievance with EPFO.

Sincere Thanks
• Jyotsna
04 Nov 13
Hi,
Your post is really very helpful. I need a small clarification on the withdrawal of the PF amount. Am working with an organisation for more than 5 year, now i would like to withdraw from my PF account to buy a plot please let me know how much amount can i claim from my EPF? Also advise if i can withdraw even from EPS for this purpose if so how much will i be able to claim?
• neha
04 Dec 13
You can do advance withdrawal of EPF amount only (not EPS ). Details <a href="http://www.epfochennai.tn.nic.in/advances_withdrawls.html">here</a>. <a href="http://www.indianrealestateforum.com/real-estate-noida/t-epf-withdrawl-purchase-flat-23736.html">Related link.</a>
• Rajasekar
03 Nov 13
My working period = 34 months, Total epf Amount = 13737 as per salary slip, but i received 12706 and 6169 how to clarified. Please tell me.
• mallikarjun
30 Oct 13
i have wrked for 15 months 11 days in my previous organization I want to know my amount of pf after withdrawal
• Ravi
29 Oct 13
Hi Neha,

I have over 12 years of experience in various companies, unfortunately i did not withdraw / transfer my PF amount for various reasons ... lately i have decided to withdraw PF amount and I have a query here WRT form 10-c under the section are yo willing to accept scheme certificate ... my basic was 40,000/- when i left the organization after working for 7 years ... now my query is when i opt for this option and the EPF will they hold 541/- rupees or 3.67% or 8.33% of monthly basic for the pension under pension scheme?
• Venkat V
24 Oct 13
Hi,

I resigned my present organisation on 12-Aug-13 and submitted this week for my PF Claim form. My question is what will be the percentage of interest i will be getting for opening balance of Apr13 and EPF Contributions done during Apr-13 Till Aug-13? as i understand form different sources that...EPFO announces the % interest of current year only during next year.
• neha
04 Dec 13
Yes, you are right. EPFO announces the % interest of current year only during next year.
• jyoti kotwal
21 Oct 13
I have worked in my previous company about 1 year 3 month.
my basic salary was 5679/-. so i want to know that how much pf will i get back for these 15 months?
• Tom
19 Oct 13
i have submited my pf withdrawl form by september firstweek 2 days back i recieved sms saying its approved to pay by cheque and payment under process. still how may days it will take to recieve amount???
any idea?
• Ashi
16 Oct 13
I have filled the withdrawal option in Form 10C, I was employed for 4 years and 1 months and EPS contribution for the same is almost 541*49=26,509 and e-passbook also shows the same amount. Yesterday i recieved money and it is 25,935 which is even lesser than my contribution.According to the chart given above it should be 3.99*26,509=1,05,770. How is it calculated and whom should i contact if there is mismatch. Please suggest.
• S. S Tariyal
15 Oct 13
Hi,

This is regarding pf withdrawal i have submitted all documents which is required by previous company.
Receiving Date 3rd Sep '13
My PF state Karnatka right now i am in Chandigarh how can i confirm about the PF.

• vishal
09 Oct 13
Hi,
Thanks for the helpful post . My question is - "I had worked for an organisation for 2.7 years, but I withdrew my total PF from it last month, that is 2.2 years later after i reaasigned from the organisation . Yesterday , I checked my total PF online on epfo.com, and got a message divided in two parts EE and ER, my EE is - 33 K and ER is 15 K . I want to know how much amount will be deducted for me, and how much will I get total approx .

Regards,
Vishal
• sai pavan
09 Oct 13
even after entering my details correctly, I am getting the above error.

name in epf: sai pavan, 9912835143

• SRIRAM
08 Oct 13
Hi I wanted to know , while claiming the EPF, will they calculate interest till the last month I worked ? or they will calculate only upto the financial year that is completed.
e.g if the last interest calculated date is 31/03/2013, and If I am resgining on 31/7/2013 will I get interest for the four months?
• neha
24 Oct 13
You will gte the interest till the last working day
• Pranav
08 Oct 13
I did not get sms from pf office that how much amount they have credited in my bank account. and I tried so many online numbers to contact them no one has picked yet up...guide me how to do that
• sanjay minj
05 Oct 13
My epf balance in a/c no JL/JLP/0032237/000/0000105.What is the total amount i will get ..2yrs work.

• Gopesh
01 Oct 13
Hi Neha,

You just said you received EPF in two parts. Can you tell how many days gap was there between two credits? Actually I applied for withdrawal and so far I have received EPS part (which is smaller). Its been almost 7 days I am still waiting for the EPF part.
• neha
08 Oct 13
I received both on the same day but sometimes the gap can be one month too.
• Param
30 Sep 13
Hi Neha,
i worked in one company for total 19 month means 1 year 7 month. My contribution was 780 rs per month for 17 month and company contribution was 239 and rest was in EPS that is 541 for same 17 months. for last 2 month I paid 1840 and company contributed 1299 and EPS was same 541 for last two month also. so toal I contributed 16940 and company part is 6661 and EPS is total 10279. I joind company in 11th Nov 2011 and left by 8th june 2013 . I have filled both form 19 and 10c. Please let me know how much i will get in my account. I think 33880. if I am wrong then let me know how much I will get please Neha.
• abhi
27 Sep 13
Hi Neha,

I resigned from my last job after completing 3.5 years of service in Jan 2011. After that i had applied for transfer but for some reason the request was rejected. Then later in May 2013 i have applied for withdrawal of the amount, but the issue is that my PF amount is held by the company itself in the form of a trust and i am unable to know how much amount is there in my PF account. Neither am i able to know the status of my PF withdrawal form, my previous employer is not responding properly. Request you to kindly help me out as to what i will have to do to get to know my status.
• Alavudeen
14 Sep 13
How to get the pf statement after pf amount settled for verification?
• AJAY MATHUR
11 Sep 13
Hi,
i have left a company 4 year back and that time my salary was 7500/- per month and my pf contribution was 467/- per month and same is deposited by my company, now i want to withdraw my PF amount and i want to know how much amount i will get.
• sujeet
07 Sep 13
i have worked in private company from january 2008 to dec. 2012.now i want to withdrawl my pf amount.
I have cheked my pf a/c through pf pass book facility in epfo site.the details is given below -
employee share - Rs. 32068/-
employer share - Rs. 9888/-
Pension Fund - Rs. 20033/-

kindly tell me how much amount will i get.
• Kunal
30 Aug 13
Myself is Somen and I'm working in Pune. I've 3.1 yrs service record in company when I left the company i.e. on 6th sep 2011. I've send my PF withdraw form on 13th Aug 2013 but company has deducted
30.90 % tax from the PF amount and they are showing the cause that I've only 3.1 yrs service record in company that’s why they are deducting the tax, if I continue my job in company for 5 yrs then the tax would not be deducted. But I’ve submitted the withdrawal form after 5 yrs, still the company is denying that. I like to know that whether they are correct in this issue or not. If they are not correctly saying then what can I do to retrieved my deducted amount ? please let me know as soon as possible.

My PF A/C open Aug 2008 and left the company 6-Sep-2011, send my PF withdraw form on 13th Aug 2013.

 Total service period – 3.1 yr(37 Months). 541/- every month deducted.
• Velusamy
30 Aug 13
Hi Neha,

After seeing so much of reply from you in this thread, i felt hapiness that i may get my answers soon.

I worked for an organization (1st org) where PF is kept in EPF trust. I worked for four years and moved to larger

organization (2st org) where the PF is maintained by its own trust. There is no EPS here. Only EPF by employee and

employer. Later the company split into two (3rd org) and the PF is moved to EPF trust.

Now the problem for me is,
1) where is the EPS deposited from my 1st org had gone ? are they transfered as part of EPF transfer from 1st to 2nd org ? how i can find this?
I see 50% difference, i.e, employee EPF contributon was 40K and employer contribution was 20K (from 1st to 2nd org)

2) Now I have 12 years of service. If the EPS from the PF trust is still there, will I be able to withdraw/transfer to the current EPS held by my current organisation (3rd org)?

Kindly help me.
Thanks
Velu
• Mahesh Kumar
28 Aug 13
Hi,
I have worked in a Private Company for 1.9 years. I have applied for pf withdrawal. My basic was 9000/month(EPS deduction-541 each month).But for the last month, I worked for just 12 days and was paid for that(So, basic for last month was 3600 rupees and EPS deduction was 300rs). Will I eps amount of 1.99*6500=12935 or 1.99*3200=6368?
• Sivaram
26 Aug 13
Hi,
This is sivaram from visakkapatnam. I worked in a BPO organisation for two years and recently i got the job in railways. I with drawn my epf amount by submitting the forms(I dont know what the forms name is) but after submitting the forms in the office i got the money of 17500 rs. in my account within 17 days. but I downloaded my pf passbook from the official website. there I found I have two portaions that is epf DEPOSITS + Pension Scheme: 16987 + 8169 I have the money but I got money only 17500; I didn't get the total money. Can you tell me how can i get the total money and give me the reason why I didn't get the money at a time.
Thank You
• Sivaram
26 Aug 13
Hi,
This is sivaram from visakkapatnam. I worked in a BPO organisation for two years and recently i got the job in railways. I with drawn my epf amount by submitting the forms(I dont know what the forms name is) but after submitting the forms in the office i got the money of 17500 rs. in my account within 17 days. but I downloaded my pf passbook from the official website. there I found I have two portaions that is epf DEPOSITS + Pension Scheme: 16987 + 8169 I have the money but I got money only 17500; I didn't get the total money. Can you tell me how can i get the total money and give me the reason why I didn't get the money at a time.
Thank You
• Alan
24 Aug 13
Hi Neha,

i am not sure how i can contact you. hence, Could you please give me your email ID. i was working with a company from Dec 06 to June 10. i have not withdrawn my PF yet and was interested in knowing how much i should expect. i can send you my PF deductions on email.

Thanks,
Alan.
• Dalbeer
23 Aug 13
Hi,

I am withdrawing my fathers PF as he passed away recently after 36 years of service.

His EE is 23 lakhs and ER is 21 lakhs. I have the following questions:
I have submitted form 10d, 5IF and 20.

1) what amounts will I be getting once the claims get processed?
2) is the final settlement amount for form 20: eex2 + er?
3) is the er amount inclusive of the interest obtained over the past several years?
4) so I can claim a maximum pension of Rs 3250 as per your calculations?
23 Aug 13
Hello, I had applied for withdrawal upon resignation of my job. Below are the details as per EPF download.

I have received only 51,000/- yesterday 22/8/2013. I'm not sure about the rest of the amount.

Closing Balance as on : 26/03/2013 11:29:02
Employee Share : 35396
Employer Share : 11253
Pension Fund : 20956

EPF website says both form 19 and 10c has been approved and Payment is under process.

Not sure why i have not received the complete amount. also want to know how much is the approx balance amount that i need to get?

Thank you so much for your assistance on this.

Regards,
• Deepak
21 Aug 13
My yr of joining was 2008 and leaving was 2011. I got a msg that my ee = 5475 and er = 1677.
How much pf will i get on withdrawal?
• Ravindra Tambat
16 Aug 13
I am working from Sep 2008 to aug.2013.my starting contribution was 550/-for first 18 months,then 650 for next 18 month & 780 for last 24 months.same from employer.now what amount will get me after total withdrawal,how?please reply me....ravindratambat80@gmail.com/9892046821/8108466123 ..........thanks....ravindra

• Ajit
15 Aug 13
I am retiring on August 31, 2013 after completing 35 years of contributing to EPF and am already getting EPS pension. My EPF balance on April 1, 2013 was Rs.70 lakhs. The total EPF contribution from my side and my employer side is RS.30000 per month during last 5 months. Which date should I submit Form 19 for final settlement to reduce loss of interest due to processing time. Will I get interest on my 70 lakhs and contributions this financial year till the date of submission of Form 19? Or is it better to submit Form 19 in April 2014?
Ajit
• Raghav
13 Aug 13
Hi Neha,

I am changing jobs and shifting abroad, due to this I am planning to withdraw my PF. Will the amount be taxable?
Thank you
• manikchandra nath
13 Aug 13
i have join 1996 pf deduction Rs.294/- on rs.2450/- from 01.09.1998
today i have got Rs.10550/- basic and pf deduction Rs.1266/- If i have take
retirement what pension I will get today MY DOB 03.05.1960
• manikchandra nath
13 Aug 13
i have join 1996 pf deduction Rs.294/- on rs.2450/- from 01.09.1998
today i have got Rs.10550/- basic and pf deduction Rs.1266/- If i have take
retirement what pension I will get today
• Amit
13 Aug 13
Hi,

I was working with HCL Technologies Noida, I wan to withdraw my EPF money after leaving job. In which EPF office (Noida or Delhi) I have to submit form 19 and 10c as HCL registered address is of Delhi.

Also do let me know do I need to get these form signed by my Employer also.
11 Aug 13
Hi,
I want to know how much amount i will suppose to get if my basic salary was 1950/- per month and i can see my pf deduction in my salary slip is 234/- per month and i left that company in the year 2005 but still i did not withdraw the balance is it possible that i can withdraw the amount or not ---- please reply me as soon as possible ____-

Thanks
11 Aug 13
Hi,
I want to know how much amount i will suppose to get if my basic salary was 1950/- per month and i can see my pf deduction in my salary slip is 234/- per month and i left that company in the year 2005 but still i did not withdraw the balance is it possible that i can withdraw the amount or not ---- please reply me as soon as possible ____-

Thanks
• Ajay
08 Aug 13
Hi,

I have left a office after 3.1 year. I have checked online my EPS (Employee Pension Scheme) amount is 17160. Then how much I will get.
And
Employee share is 25472 and Employer share is - 7798. Then Please tell me how many rs I will get (EPF+EPS)

--Ajay
• amaravani
08 Aug 13
Greetings,
As per the PF passbook my employer and employee contribution is 10000+5000 =15000, but as per the company there is double deduction in salary so please let me know how much i would get if i withdraw now.

Regards
Amaravani

• sravanthi
01 Aug 13
hi...i opted for pf transfer around three years back and till date there is no update!!

• neha
02 Aug 13
Contact your employer where you gave your transfer forms. Or you can raise a online grievance at EPFO site.
• Anonymous
31 Jul 13
Dear Neha,

Please tell us how to get EPS after 10 years
• neha
02 Aug 13
if the employee completes 10 years of the service, the withdrawal option ends and the member becomes eligible for receiving pension after the age of 58.
• Dharmendra Rawat
30 Jul 13
Hi ! I have worked in a company from 1st April 2011 to 21st Jan 2013.My monthly PF deduction was Rs.780/-.What amount i will be getting at the time of withdrawl. Please guide.
• imran
30 Jul 13
Hi,

Recently I got my pf in 2 parts first I got 25,935 and then I got 69,514 /- I want to know how much interest I got in this total amount. is 95449. please help me
• Gurpreet
27 Jul 13
Dear Neha jI,
Sat sri akal,
My previous employer not cooperating me . many times i have sent the filled form but they do not deposit it in epf office,after 3 months my a/c will be expired as it is going to comlete 5yrs. What should i do now????????
Thanx n Regards
Gurpreet Singh
gpsbal99@hotmail.com
• neha
28 Jul 13
• SABARINATHAN
26 Jul 13
i am submitting pf advance claim form on 10/06/2013 for my brother marriage (marriage date : 14/07/2013 )
when will i get the advance payment
my claim status is:
Claim ID : TNMAS130600014660
Status : Claim Form 31 for PF Advance AGAINST Member Account No (TNMAS00532650000000025) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.
Reason of rejection: The reason of rejection is not available in database. You may please contact RO/SRO CHENNAI for further details

Claim ID : TNMAS130700042460
Status : CLAIM FORM 31 FOR PF ADVANCE FOR MEMBER ACCOUNT NO TNMAS00532650000000025 HAS BEEN RECEIVED ON 18.07.2013 IS UNDER PROCESS.

• neha
26 Jul 13
Ideally, you should get the payment within a month. Good luck.
• Abhay
26 Jul 13
Hi,
I served my company for 3 years but i withdrawn my PF only after 5 years. Will this amount be taxable? Please advise..

Regards,
Abhay
• neha
26 Jul 13
It will not be taxable.
• Abhay
26 Jul 13
Thank you so much Neha !!
• Manikanta
26 Jul 13
Hi,
As i understood with EPS calculation please correct my understanding on below queries.

1. No.of years (Based on Table D ) * 6500- Even though my basic is more than 6500 is it calculated as 6500 because it is the max limit.
2. If it is more than 10 years and if i didn't with draw EPS amount what will happen with that amount.
Will i get that amount at the time of closing the PF account.

Thanks,
Manikantas
• neha
26 Jul 13
1. Correct. 6500 is the max limit.
2. You will become eligible for receiving pension after the age of 58 years on production of scheme certificate in the department. However, the maximum Pension per month is subject to maximum of Rs 3,250 per month.
• Deeba
25 Jul 13
Hello,

I am presently working with an organisation for last 11 years.

2 quires:

1. Before applying for PF Advance:

I applied for PF Advance to purchase site. Before applying I had checked the balance through sms at epfo and received sms info
(i.e as EE Amt: Rs.3.63 lac, ER Amt: Rs. 2.7 lac approx as on 23-3-13 [a/c updated on 31-3-12]).
- The site value is 7 lac.
- 24 months (Basic+DA) is more
- Balance in PF is 6.33 lac
- Applies amount is 6.3 lac (which is less) but amount got transferred is 6 lac.

2. After registering at epfo downloaded the EPF Account Passbook to check the balance and it shows:

as on 28-6-13
Deposited:
EE: 408486
ER: 305343

Withdrawn:
EE: 437700
ER: 162300

Pension Fund: 70330

Closing Balance as on : 23/07/2013 08:23:08
Employee Share : -29214
Employer Share : 143043
Pension Fund : 70330

So the Question:
- Why not 6.3 lac and 6 lac
- Why EE is showing in minus and ER is showing 1.43 lac
- Why sms showed 6.33 and not what passbook shows
- According to the EPF Passbook balance it is more the 7 lac and site value is 7 lac. If I was known I would have asked for 7 and not 6.3 lac.
- Is there any way I can get that balance amount (not Pension Fund)

When I inquired at PF office they said we can withdraw 100% (not Pension Fund)

Thank you.

• neha
26 Jul 13
1. The maximum amount you can avail of is 24 times your salary. May be because of that.
2. No idea.
3. sms was showing records till 31-3-12 while Passbook is showing the latest status. There must have been additional deposits every month (+ interest on it ) in this period.
4. I dont think you can withdraw now because this facility can be availed just once during the entire service. <a href="http://www.epfochennai.tn.nic.in/advances_withdrawls.html">Details</a>
• Deeba
31 Jul 13
Thank you
• Sonali
24 Jul 13
The EPFO did not give any details of the components in the amount I received at withdrawl. And mine was less than 5 years of service making me more anxious to know what the tax implications are. Thanks to you, Neha. This post and the one where you talk about interest rates over the years helped me make some sense of the figures. God bless you :)...
Even if the employer and employee contribution is supposed to be 12%, the amounts may not match. One can roughly deduce the employer contribution by subtracting EPS component (Rs. 541 per month * number of months) from the total employee contribution. Your post helped immensely!
• AASIM
24 Jul 13
Hi,
I have worked with a company for 9.6 years, my pf ded were Rs: 126 and employers also 126. I have applied for withdrawls by applying form 19 and 10c. I got sms from pf.office on 19-07-13. Can you please calculate how much amount i will get from pf. and how much time will it take to complete the process. I shall be thankful to you.
Regards:
• neha
26 Jul 13
It generally takes around 1-2 months for the PF amount to get credited in your account. You can check your balance online on <a href="http://epfoservices.in/epfo/member_balance/member_balance_office_select.php"></a>this link.
• aswin mishra
22 Jul 13
how to transfer eps money from my previuse employer to new employer. which form i have to fill up for this pension amount transfer.
• neha
28 Jul 13
Form 13 ,
• Muthulakshmi
21 Jul 13
Hi neha,

I was joined in my company at Jun2011.now i am decided to resign from my company on coming august.So totally 26 months.My basic salary is 3700.Please help me to know in how many days I can get my money ? & also how much i will get? .I was checked with online EPFO but i am getting error.
• neha
26 Jul 13
It generally takes around 1-2 months for the PF amount to get credited in your account. You can check your balance online on <a href="http://epfoservices.in/epfo/member_balance/member_balance_office_select.php">this</a> link.
• Abhisek Chopdar
20 Jul 13
Hi I have tried to check my EPF balance online but its showing error .

can any body help me out.
thank you
• dheerpat
10 Jul 13
hello...i quit this company which i joine in 19 may 2003..i resigned on 28th may 2013 and was relived on 1 june 2013...10 years of service..
my gratuity has been settled..now for pf i have 2 questions..

1) as per my pf slip my pf no D0281X that is emp code followed by x...however i tried to get the status online epf but it is not accepting alphanumeric...i wrote many mails to company for my pf a/c no..they always rvert with the same a/c no..is the employee pension scheme number and pf number same?

2) since i am unemployed i opted for PF wdrawal..i read somewhere that if you wdraw you woudnot get the employers contribution amount on wdrawal..is that true..i mean say for e.g my pf balance was 8 lac rs..so will i get all 8 lac or 8 lac minus employer contri for these 10 years.

• neha
28 Jul 13
1. EPS number and PF number are same and should be digits only (as far as I know)
2. You will get the full amount : your contribution + employer contribution both.
08 Jul 13
Hi,

I am working in an organisation from 2 yrs and 11 months. My EE share is 50934 and ER share is 50934 and pension fund is 15809. I would like to change from this firm. Please let me know how much amount will I get if i claim PF?

Thanks,
Srikanth
• neha
26 Jul 13
You will get the EE share + ER share + EPS part (as per table D described in this post)
• Sabarinathan
04 Jul 13
Hai I am working with a organization for the last 5 1/2 years and if i want to get marriage loan in my pf amount, Pls adv i am eligible?
• neha
26 Jul 13
You should have completed a minimum of seven years of service to be eligible to withdraw partial PF for marriage purpose. Read <a href="http://www.epfochennai.tn.nic.in/advances_withdrawls.html">details here</a>
• Jayasimman
03 Jul 13
I had 11 years eligible service and completed 50 years of age. In my scheme certificate, my last salary and pensionable salary shown as 6500. What will be my actual pension if I opt for pension now.
• neha
28 Jul 13
The amount of pension you get depends upon a fixed formula, which is average monthly salary of the last year of service multiplied by the number of years of service divided by 70. Remember your employer shows your salary as Rs. 6,500 for EPS, so the pension is calculated on a monthly salary of Rs. 6,500. So if you have worked for say 35 years, your monthly pension will come to Rs. 3250 [(Rs. 6,500 X 35 years)] ÷ 70 according to the formula. Thus, the maximum pension per month is subject to maximum of Rs. 3,250 per month. <a href="http://www.indiainfoline.com/PersonalFinance/Articles/Little-known-facts-about-EPF-and-EPS/38325056">Read here</a>
• Shekhar
03 Jul 13
Hello Neha,
I am working for last 23 months and my total PF (my + employers contribution ) is around 1lac 5 thousand. as I am resigning from my job and going for higher studies, I want to withdraw the full amount.
How much amount will I get back?? I mean what all deductions will be there?

Regards
Shekhar
• neha
26 Jul 13
You will get the full amount. There will be no deductions :)
• Jay
27 Jun 13
I have five year of service and planning to purchase a flat from a builder and need the PF amount to be withdrawn to fund my downpayment. Has anyone does this practically - is proforma from builder sufficient for application of withdrawal?
• neha
26 Jul 13
Yes, proforma is sufficient for application of withdrawal. Details <a href="http://www.epfochennai.tn.nic.in/advances_withdrawls.html">here</a>. <a href="http://www.indianrealestateforum.com/real-estate-noida/t-epf-withdrawl-purchase-flat-23736.html">Related link.</a>
• DEBARSHI
26 Jun 13
my total balance of my pf is 9286.
my employer also contributed the same amount.
my basic was 6464.
the current pf int rate is 8.5%.
so what will be my pf balance if i claim?
i resigned on 10 apr 2013.

• neha
26 Jul 13
Just work out the calculations as described in the post and ask if you have any specific doubts.
• tinamohanty
24 Jun 13

My DOJ in my company is 14.06.2010 and the DOR is 31.08.2011. My basic amount is Rs.5500/- and my monthly PF contribution is Rs.660/- (employee and employer).only june contribution is Rs 374/-. I want to know what will be my PF withdrawal amount and appropriately when will I receive the same. Pls let me know the calculation.
• neha
26 Jul 13
Just work out as described in the post and ask if you have any specific doubts.
• Mayank
23 Jun 13
Hi der, can u please make me understand the claim status that is being shown on the epf site. I am unable to comprehend whether the details shown on the top are the most recent one or at the bottom are the most recent one. Please make me comprehend the details.

Claim ID : VDBRD121000006907
Status : Claim Form 19 for PF Settlement AGAINST Member Account No (VDBRD00657300000000039) has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim form.

Claim ID : VDBRD130600005396
Status : CLAIM FORM 10C FOR WITHDRAWAL BENEFIT/SCHEME CERTIFICATE FOR MEMBER ACCOUNT NO VDBRD00657300000000039 HAS BEEN RECEIVED ON 13.06.2013 IS UNDER PROCESS.

Claim ID : VDBRD130600005397
Status : CLAIM FORM 19 FOR PF SETTLEMENT FOR MEMBER ACCOUNT NO VDBRD00657300000000039 HAS BEEN RECEIVED ON 13.06.2013 IS UNDER PROCESS
• neha
26 Jun 13
From the claim id numbers, it looks like the bottom ones are the most recent ones.
• Mohan Das
20 Jun 13
Hi,
I was working with Wipro for four years and my company had paid my PF amount to an account, say Acc A. I rejoined Wipro after 6 months and is still working for more than a year and my PF account is a different one, say Acc B. Please let me know if I can withdraw the amount from Acc A. What is the process? Do I need any document from Wipro
• neha
26 Jun 13
You cannot withdraw PF while you are still working. But you can apply for transfer of PF amount from one account to other. Your current employer will help in the process.
• Rashmi D M
18 Jun 13
Hi,
This is Rashmi. I had joined the company on Jan 3rd of 2011. I just entered my EPF and checked it online and got a msg that EE amt is Rs.6122, ER amt is Rs 1871 as on 12.06.13 (Accounts updated upto 31.03.12-EPFO. Can I know if i resign now what is the amount i will be withdrawing...
Kindly show me the calculation ..

Regards,
Rashmi
• neha
26 Jul 13
You will get the EE share + ER share + EPS part (as per table D described in this post). Just work out the calculations as described in the post and ask if you have any specific doubts.
• Dheeraj
18 Jun 13
Hi neha,

Thanks for such a wonderful post..
I was working for a pvt organization from july 2011 to mar 2013.
Today I received my provident fund amount, but it is much less than what I evaluated.
My EPF balance till Nov 2012 was around INR 53,500, and I left the job on 02 mar 2013. The amount which has been credited is only INR 59,128.

I came to know that the FPF amount that should have been credited would be (6500*2.05=INR13,325) in itself.

But why I got so much less amount?

Is INR 59,128 the total part i.e. EPF and FPF that has been credited, or only the EPF part?

• neha
18 Jun 13
Hi Dheeraj,

You will get the amount in two parts so whatever amount you have got should be just the EPF part. Acc. to Table D you will get 1.99*6500 as your EPS amount.
• MUGILAN
17 Jun 13
Hi,

My DOJ to the company - 02.01.2012, and the DOR is 15 Sep 2012. My basic salary was Rs.22000/- from Jan -2011 - Sep 2012 and my monthly PF contribution is 12% Employer is 12% ( PF).

I want to know what would be my total PF withdrawal amount .

Pls let me know the calculation.

Regards,
B.Mugilan
• neha
17 Jun 13
You can calculate yourself based on what is given in the post and comments. Please ask if you have any specific doubts.
• Rakesh
15 Jun 13
please provide me eps calculation if total service is two years one month in which salary is for first two months is 5000.00 pm, next 10 months is 6000.00 pm and next thirteen month is 6600.00 pm.

what is total withdrawl amount eps ?
• neha
17 Jun 13
As mentioned in the post, out of your 12% contribution to PF, 8.33% goes in Employee Pension Scheme (subject to a maximum of Rs 541/-). But at the time of withdrawal you dont get the full EPS amount but only get a fraction of it depending upon the number of years served. Table D is used for getting to that fraction. To calculate withdrawal benefit that fraction is to be multiplied by your last drawn salary, subject to a ceiling of Rs. 6500

So in your case, rounded years of service=2, fraction = 1.99. Hence withdrawal amount would be 1.99*6500
• Mahesh
19 Jul 14
So Since we only get fraction of EPS on withdrawal, when do we get the full amount for EPS?
• neha
25 Jul 14
after retirement as a monthly pension amount.
• GAURI
15 Jun 13
WHAT IS THE AMOUNT OF WITHDRAWL OF EPS IF SALARY IS LESS THAN IS 6500.00 PM. I.E. 6000.00PM
• neha
17 Jun 13
It will depend on number of years of service and will be calculated based on table D. To calculate withdrawal benefit there is a factor in Table D which is to be multiplied by the last drawn salary, subject to a ceiling of Rs. 6500
• Arindam
14 Jun 13
Hi,
My old Company is taking too klong to get the forms filled up and send to EPF offgice, they are delaying it for almost 4 months now... Is it possible that I claim the EPF directly ? Kindly share the process....

• neha
17 Jun 13
Employer's signature/stamp is required on the forms. If however, you are unable to get it, you can get it notorised in the place where employer has to sign, submit to pf office with your covering letter indicating the reason why you can't get previous employers' signature.
• yaran
14 Jun 13
Hi

I have applied for my PF and online status shows that Form 10C is under process and Form 19 is also under process. after this process how many day get payment in my account..
• neha
14 Jun 13
around 1-2 months
• Sreekanth
13 Jun 13
Hi Neha,
Very useful info provided over this article, Thanks for throwing some light on the darkest area.

Whatever sms we get from epf website is only EPF amount with interest calculated accordingly and doesn't include EPS amount...but once we withdraw PF by submitting both Form 19 and Form 10C, we should be getting EPS amount also right which is not sent through SMS. Have I understood it correct ??
• neha
14 Jun 13
Hi Sreekanth, Thats absolutely right.
• shikha
08 Jun 13
I have applied for my PF and online status shows that Form 10C is approved but Form 19 is still under process, Why?
• neha
08 Jun 13
It might take some time from their end.
• Phanindra
07 Jun 13
Is it true that the Form 19 and Form 10(c)will be sent only after 2 months of the last working day?
• neha
08 Jun 13
Yes, true. You can submit the forms to your employer before 2 months but they will get processed only after completion of 2 months from LWD.
• Siddhesh
01 Jun 13
Hi Neha - I quit my previous organisation about 2 years back and had applied for PF Transfer to my new company's PF Account. However it's not yet done. So my query is:
1. Can I apply for PF withdrawal now? Do I have to fill up the same For 19 and 10c for this?
2. Also, will I get interest on the amount for this 2-year period?
Looking forward to your response. Thanks.
• neha
01 Jun 13
Hi Siddhesh,

1) Yes, you can apply for the PF withdrawal now. The process is same - fill up form 19 and 10c.
2) Yes, you will get the interest for the 2-year period. It takes 3 years for the account to become dormant : <a href="http://articles.timesofindia.indiatimes.com/2011-03-03/india-business/28649979_1_inoperative-accounts-epfo-employees-provident-fund-organisation">Details</a>
• Anonymous
31 May 13
I HAV LEFT MY JOB I WORKED FOR 13 MONTHS AND MY CONTR. IS 780.I GET ONLY 6OOO AFTER 2 MONTHS. IS THIS CORRECT?
• Narender Thakur
30 May 13
I just confirm that If i am resigned from my company last year and my amount is deposit in PF office.

Is interest calculated in the current month or is there any period for interest or after that it is not given interest on deposit amount.

Regards,
Narender
• neha
31 May 13
Interest is calculated on the current accumulation.
• Anonymous
28 May 13
Hi,

My EE amount is 20 Rs and my ER amount is 10, now I have quit from the old company, will I get both EE and ER amount? Will there be any sort of deductions?
• neha
30 May 13
Yes, you will get both with interest.
• Naina
27 May 13
HI,

I have worked in previous company located in Bangalore for 11 months and its PF office is in Mumbai.
1.Is revenue stamp mandatory for PF withdrawal forms??(I read that revenue stamp is not required for Bangalore PF office, since the PF office of my last organization is in Mumbai , is it mandatory to affix revenue stamp.

2. Do I have to fill form 10c?? Can I withdraw my pension account also??

Thanks
• neha
28 May 13
Hi Naina,

1) You might have to affix revenue stamp if your PF office is in Mumbai. Please double check with your employer.
2) Yes, for Pension withdrawal you have to fill up form 10C
• Ramya
16 May 13
Hi,

My DOJ to the company - 10.03.2010, and the DOR is 15 May 2012. My basic salary was Rs.3400/- from Mar 2010 - Aug 2010, then Rs.4000/- from Sep 2010 - May 2011, later it was Rs.5000/- from June -2011 - May 2012 and my monthly PF contribution is 12% Employer is 13.61 ( Pension fund + PF). I want to know what would be my total PF withdrawal amount . Pls let me know the calculation.
As per my contribution it is around Rs.13194/- , what would be the total amount that I get on withdrawal.

Please let me know the correct pf balance.

Thanks and Regards
Ramya
• Amit
16 May 13
can you plz let me know, how long it will take to get the amount credited on my account after getting sms from EPFO stating:- form 10c and form 19 received on 14-05-13... thanks
• neha
17 May 13
Around 2 months.
• thomas
20 Oct 13
i recieved sms stating , its approved for payment through cheque. still how may days wil take to recieve amount?
• sundararaman
10 May 13
Hi
i need to claim my PF (currently working company) of around 2 years, please let me know the procedure.
• neha
10 May 13
You can claim for your PF amount of company X only after leaving the company X. If you are currently working in the same company you cannot withdraw. Withdrawal procedure at : <a href="http://www.humlog.net/finance/pf-withdrawal-form19-form10c-instructions">EPF Withdrawal</a>
• srinivas
09 May 13
In S M S i get the Balance amount of Rs.50080 but after claimed How much amount i geting
• neha
10 May 13
You will get the same amount as shown in balance + interest if any
• sowmya
07 May 13
Hi ,

My DOJ in my company is 03.apr.2010 and the DOR is 17 sep 2012. My basic salary is Rs.4500/- and my monthly PF contribution is 12 %(employee and employer). I want to know what would be my total PF withdrawal amount . Pls let me know the calculation.

Because i have gotten only 21,500/- , despite working for about 2 years and 5 months. Is this the right amount.Please let me know the correct pf balance. If it is incorrect whom i have to approach. I called HR dept of my previous company, she gave me couple of numbers such as 1242578635, 01242578638 & 01242578633 and no one is answering the phone. Please help.

Thanks and Regards
Sowmya
• Ravindra
02 Oct 13
As your basic salary is 4500 so your monthly PF contribution will be 4500*12/100=540 so your total contribution for 2yrs and 5 months is 540*29=15660. and for employer's monthly contribution is 540 which is totally paid towards EPS. So amount you receive is might be for EPF part only with interest and remaining amount of EPS will be get later.
• neha
16 May 13
Hi Sowmya,

Yes, the amount you got seems to be less. Can you tell me the exact amount contributed by you and your employer? It should be written in the salary slip. Your EPS part alone will come out to be 12935/- (1.99*6500) .

If you are not satisfied with the amount you got, the only way left for you is to file an RTI (only after filing an EPF grievance redressal form). For details see : <a href="http://www.jagoinvestor.com/2012/03/rti-for-epf-withdrawal-or-transfer.html">File an RTI application for EPF withdrawal </a>
• Amar
06 May 13
Hi,
I worked in an organisation for 4 years and 11 months 26 days (got released 4 days ahead of DOJ anniversary) :(.
Now, if I withdraw the PF amount, then will it be taxable?
As, I am outside the 5 years limit but the service is less than 5 years.

TIA,
Amar
• neha
10 May 13
Yes, it will be taxable as the service is less than 5 years.
• Siddharth
01 Jun 13
I left service at around 4.5 years, and am now working in a start-up with 5 other people only for the last 9 months. My PF account is still on, but obviously without any contribution in the last 9 months.

If I withdraw, will I have to pay tax considering this being a start-up, we still don't have EPF going for anyone. Thanks for your help Neha.
• neha
01 Jun 13
Hi siddharth,

Your withdrawals will not be taxable as you have now crossed the 5 yr limit of working years.
• Aamir
03 May 13
Hi I worked with one company and I left the job an year ago and I submitted the form of pf in my company in 20th March 2013. But I cannot go thru my claim status as it is showing "no records found" and the site is showing my balance...
Thanx
• neha
04 May 13
Hi Aamir,
You can check your status online as described in <a href="http://www.humlog.net/finance/epf-balance-check-error-or-office-code-not-in-list">this</a> post. It usually takes 3-4 months for the EPF money to get credited in your account.
• Nandita
02 May 13
Hi Neha,

My friend recently resigned from her job and she wants to withdraw her PF , but her company claims that rules have changed and you cannot withdraw your PF anymore , you can just have it transfered. The PF in your account will be accumulated and only can be withdrawn at the time of retirement i.e at the age of 55 years or in case of some specific conditions.

As your post seemed very latest so just thought of sharing as I dont think this of accurate information.
• neha
03 May 13
Hi Nandita,

There are no rule changes regarding withdrawal of EPF as per my knowledge. You can withdraw your EPF if you are unemployed at the time of withdrawal. The EPF site itself has withdrawal forms for download purpose.
• kiran
30 Apr 13
if the branch head is not willing to sign the PF withdrawal form in the place of employer sign then can i forward the same to our HR dept for getting employer sign..? is HR peoples signature is sufficeint for withdraw the PF..?
• bala
26 Apr 13
Hi Neha,

First of all thank you so much for your post. I was working in a company from Aug-10 to Feb-12.
I have seen 4973 is deducted from my monthly salary. I was working for 17 months and the total PF deducted approximately Rs 84541 /- . I applied for withdraw and I filled 10c and 19 forms. I have got only Rs 12,935 . I am totally confused and worried so much. Please let me know, am I got 10c claim or form 19 claim? Is the pf office deposit the amount in single slot for both? If yes, why i have got less amount. Thanks in advance for the help
• neha
29 Apr 13
Hi Bala,

As mentioned in <a href="http://www.humlog.net/finance/calculation-of-epf-amount-with-interest">another post </a>, you have just got the EPS part i.e. 10C claim. You will get the other part soon. Although I got both the parts on the same day, some people report getting the another part a week after or so. Hope it relieves your tension :)
• Krishna
23 Apr 13
Hai Iam working with a organization for the last 6 years and if i want to withdraw my pf amount working with same organization iam i eligible ?
• neha
25 Apr 13
You can withdraw only when you are unemployed. So if you are resigning from your company then you can withdraw your PF.
• prakash damodar wani
19 Apr 13
joining pf w.e.f. 29.11.1984 and retiring on 30.9.2014. Date of birth is 17.9.1956
how much amount I can withdraw today. Thanks
• sujeet sahani
13 Apr 13
m working in ultratech cement last 10 augst 2007 to till now . now i want to withdraw the pF partially . please let me know is ther any possiblity to withdraw partially amount and what is the procedure ??????????
its very urgent .

regards
sujeet sahani
9718991201
• neha
17 Apr 13
You cannot withdraw the EPF amount in parts but you can take PF loan with certain conditions.
• Suman
06 Apr 13
Can EPS be withdrawn after 10 years of total service(More than one company) wherin PF has been transfered to my last company
• neha
17 Apr 13
No EPS cannot be withdrawn after 10 years of service.
• Naaz
05 Apr 13
Hi Sneha, I have applied for pf in Dec 2012. But still no update. I worked for 3 years in Cognizant Hyderabad and the main PF office is at Cognizant Chennai. I have sent n number of emails to the company still no response. Pls help.
• neha
17 Apr 13
Hi Naaz,

Have you tried checking your PF status online? <a href="http://epfoservices.in/epfo/member_balance/member_balance_office_select.php"> EPFO balance online</a>
• Najnee
25 Apr 13
Yes I have tried but couldn't go through Can you help me with that
• neha
26 Apr 13
I can help in checking your status online only if I know your PF account number.
• Anonymous
25 Mar 13
This is very useful! Thanks.
• Ankit
22 Mar 13
Hi All,
I left my first organization after serving them for 2 years 11 months and 29 or 30 days in Nov 2009. I left my second organization after serving them for around 10 months in Sep 2010. I applied for their PF transfer but nothing is showing on EPF website for first companies status. It shows the below status for my second company's PF transfer request:
Status : Claim Form 13 for Transfer to New Account Number: AGAINST Old Member Account has been rejected. Rejection letter is under dispatch/ dispatched to address in your claim.

Now I want to withdraw the account as I do not find it feasible that i would easily be able to transfer the amount.

All the info provided would really help, just a quick question that after filling the Form 19 & form 10c whom should I send the forms, is it the previous employer or to the EPF office of the company's head quarter (whose code exist in my PF account number e.g. MAS for Chennai on my payslip). And is it just 2 papers i.e. form 19 & form 10c that I need ot send or is it anything else, I need to send to them. Kindly assist. Your assistance wil be really appreciated.

Regards,
Ankit
• Lakshman
11 Apr 15
sir my question is I have completed 13 years in one organization am already eligible for pension but I don't want pension I want to total pension amount. if suggested please. thank you
• neha
24 Mar 13
You should send the forms to the respective employer with whom you have the PF account. As for the procedure of withdrawal, see the details in this post :<a href="http://www.humlog.net/finance/pf-withdrawal-form19-form10c-instructions">EPF withdrawal process</a>
• preeya
20 Mar 13
Thanks a ton Neha :):) .. This was so helpful !!!
• shivalika
14 Mar 13
plz tell me the procedure of epf balance online

• neha
15 Mar 13
plz see <a href="http://www.humlog.net/finance/epf-balance-check-error-or-office-code-not-in-list">this post</a>
• priti
08 Mar 13
Is is compulsory to submit 10C form of pension scheme for PF withdrawal, what if I don't submit? Wcill I get full PF amount? as complete 2yrs of service in non-residence state co's?
• neha
09 Mar 13
I think its necessary. If you dont want to withdraw EPS, then you have to mention it specifically in 10C
• Rajiv
08 Mar 13
Dear Neha,
I joined on 28th April 2008 and 04th April 2013 would be my last working day in my company, would my PF amount be taxable...? if yes then at what %age....?

thanks
• neha
09 Mar 13
Since the total service years is less than 5 years, your PF withdrawal will become taxable if you withdraw .The tax will be according to your income slab and will apply for the financial year in which its withdrawn. More details : <a href="http://www.bemoneyaware.com/blog/tax-on-epf-withdrawal/#tax_withdrawal_5"> Tax on EPF withdrawal</a>
• rajxgen
05 Mar 13
Dear Sir,

I have worked in a company for more than 6 years, just wanted to know how much i would be eligeble for payment cerdit in my account both under 10C and form 19.

Incremental Deduction in salary is mentioned in below table

Onwards PF deduction basic wage
28NOV05 552 4600
28N0V06 785 6545 533ESIC
01APR07 785 6545
01JAN08 794 6611
01AUG08 793 6611
01JAN09 801 6677
01FEB09 801 6677
01JAN10 904 7535
01SEP10 958 7984

However according to PF Slips.

DATE EMPLOYEE EMPLOYER
10-11 60402 20836
09-10 44319 14373
08-09 31643 10259
07-08 20037 6545
06-07 9432 3214
05-06 1724 528

Regards
rajxgen
• neha
08 Mar 13
• Senthil
19 Feb 13
Dear Neha,

I work as A HR Executive in "DOT COM INFOWAY"

I would like to thank you for giving such a wonderful informative message.
it really feeds me a lot on this topic.
if you can please tell how to get that 8.33% which is been deducted for EPS form Employer contribution and tell me when can i get it?

Best Regards

Senthil

• neha
21 Feb 13
Hi Senthil,

You have to fill Form 10c for EPS withdrawal. You are eligible to withdraw EPS only if the total service period is less than 10 years. Once, the service period crosses 10 years, the withdrawal option ceases. Hope it helps you.
• Dharam
23 Jul 13
Dear Neha,

Please let me know how we can get our EPS amount after 10 years.
• neha
26 Jul 13
if the employee completes 10 years of the service, the withdrawal option ends and the member becomes eligible for receiving pension after the age of 58.
• Rohit Kumar
09 Feb 13
I worked in HDFC Ergo GIC Ltd on the payroll of 3rd party administrator (G.I Group) for 10months i.e 12-Feb'12 to 30 Nov'12
I've been received 10 salary cheque during the time.
My PF contribution was Rs780 from my salary
& Employer contribution was exactly the same like above case EPS 541+ EPF 239=Rs780 similarly like above.

Now i want to withdraw my PF so please suggest me how can i get my PF asap & How much amount I'll get now as its Feb13 running.

Formalities-Documents-time etc??
• neha
13 Feb 13
All your queries are answered in EPF related posts on this site. Please check all EPF tagged posts and their comments to get all details.
13 May 14
From 31/3/2012 my pf not submitted by employer then how i can claim to this my pf. now i am leaving my company but pf cant withdrawal.
• SUJATA GUPTA
07 Sep 13
IF I WANT WITHDRAW MY PF AMOUNT FROM MY ACCOUNT SO WHAT I HAVE TO DO. PLEASE TELL ME THE PROCESS ABOUT IT.
• Npower
30 Jan 13
Hi Neha, you article is really helpful to me.. keep it up.. I resigned from my indian job and i am currently working abroad..I filled form 19 and 10c before leaving india...my question is how much time it will take to get pf amount in my account... as per epfonline my claim is submitted on 22nd January 2013. so do i get money in feb'13? Also, as per my knowledge pf amount is directly credited to my bank account and no cheque processing and all that right? Final one is, suppose i get my money in april'13 then my total income in india for new financial year is zero so do i have to pay tax on pf amount? Thanks in advance..
• neha
30 Jan 13
Hi Npower, it takes around 1-2 months to get your money in ur account. Yes it will be credited directly. I am not sure on the tax liability of ur EPF.
• EPF query
28 Jan 13
Is the tax already deducted from the amount transfered to the bank account? Or is the responsibility of paying tax on EPF is on us? If it is the later, it will be helpful if someone shows using an example how to compute the tax.they
• neha
30 Jan 13
Tax is usually not deducted from the amount we get back. Its our responsibility to pay taxes on the EPF amount as per the income slabs.
• Thirunavukkarasu
19 Feb 13
Income on EPF return is not taxable if the account holder closes his/her account after completing 5years service.. This is my understanding, if this seems wrong please correct it.
• neha
20 Feb 13
Yes, thats right. Income on EPF return is not taxable if the account holder closes his/her account after completing 5years service.