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Understanding and Avoiding Common Provident Fund Claim Rejections

22, Dec 2023
Understanding and Avoiding Common Provident Fund Claim Rejections

The Employees' Provident Fund (EPF) serves as a vital savings scheme, encouraging financial prudence among working individuals. Both employees and employers contribute 12% of the base salary to the EPF account, with the accumulated savings accessible during retirement or in times of emergencies through partial withdrawals. However, despite the streamlined claims process, rejections are not uncommon. In this blog, we will delve into the common reasons behind online Provident Fund claim rejections and provide insights on avoiding these pitfalls.

Online EPF Claim Rejection Reasons:

1. Inaccurate or Incomplete KYC:

   - Incomplete or inaccurately verified KYC documents can lead to claim rejections. It is crucial to ensure all KYC formalities are completed before submitting a claim.

2. Mismatched Information:

   - Discrepancies between the information in the claim submission and the EPFO database often result in rejections. Addressing such issues may involve submitting a Joint Declaration Form to correct member details.

3. Violation of Withdrawal Rules:

   - EPF withdrawals are subject to specific rules. For instance, partial withdrawals before maturity are allowed under certain conditions, and understanding these rules is essential to prevent claim rejections.

4. Incorrect Bank Details:

   - Providing incorrect bank details, including account number or IFSC code, can lead to rejections. Bank details must be up-to-date, and joint accounts are only accepted if they are with a spouse.

5. Non-Linking of UAN with Aadhaar:

   - Claims may be rejected if Aadhaar is not linked to the Universal Account Number (UAN). Verifying and linking Aadhaar to UAN is crucial for claim approval.

6. Unclear Signature:

   - Signatures must match those in the EPFO records. Any mismatch or significant difference may lead to claim rejections.

7. Insufficient Service for Pension Withdrawal:

   - To claim the total corpus on retirement, a minimum of six months of continuous employment is mandatory. Using the correct form (Form 19 for final settlement and Form 10C for pension withdrawal) is crucial.

8. Server-Side Errors or Technical Issues:

   - Technical glitches or server-side errors can cause claim rejections. If faced with such issues, note the error message and contact the website's support staff for assistance.

What to Do If Your EPF Claim Gets Rejected:

1. Double-Check Documents and Eligibility:

   - Verify all documents and their information to ensure accuracy and eligibility. Check for any discrepancies in names, father's names, or bank details.

2. Submit Both Form 10C and Form 19:

   - To avoid common errors in pension withdrawals, submit both Form 10C and Form 19 during the claim submission process.

3. Track Your Claim Status:

   - Regularly follow up on the EPF office or website to track the status of your claim. This ensures timely notification of any issues and helps prevent rejections.

4. Seek Help if Required:

   - If uncertain during the process or faced with a rejection, seek guidance from your employer or the EPF office for assistance.

Share Samadhan and Provident Fund Claims

Share Samadhan, India's largest unclaimed investment recovery company, offers specialized services to assist with Provident Fund claims. Their team of qualified financial consultants, including Chartered Accountants, Company Secretaries, and Lawyers, provide customized solutions for lost, forgotten, or blocked investments in financial instruments such as Provident Funds. They guide clients through the complex process of claiming their Provident Fund, ensuring a smooth and hassle-free experience. Whether you're dealing with a PF recovery of a closed company or facing difficulties in claiming your Provident Fund, Share Samadhan is there to help.

Understanding the common reasons behind Provident Fund claim rejections is crucial for a smooth withdrawal process. Double-checking documents, adhering to withdrawal rules, and staying informed about eligibility criteria are essential steps. Additionally, proactive tracking of claim status and seeking assistance when needed can contribute to a hassle-free experience. Remember that claim settlement may take around 20 days, so patience and timely submission of accurate information are key to avoiding delays in the process.


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