FinRight

@SwipeToWealth @ActusDei @absolutely_KJD It stay in the account, If you have a service less than 10 years you can withdraw the whole amount: finright.in/blogs/the-shoc… If your service is more than 10 years you will be eligible for monthly pension after 58 years of age.

@FinRight @ActusDei @absolutely_KJD But how can we accumulate? If suppose I left the organization then what happened with the accumulated EPS ?

Your PF deduction has two parts. Most salaried Indians don't know the difference and one of them could be quietly costing you. Here's what Ketan Das @absolutely_KJD (PF Expert, @FinRight ) explains about EPS the pension portion of your PF and why for many employees, not being part of it is actually the better outcome. First, can you choose to opt out of EPS? No. It's not in your hands. Here's how it works: Joined before September 2014?You are automatically an EPS member. No choice. Contributions continue regardless. Joined after 1st September 2014 AND your basic salary was above ₹15,000/month at your first job?You are not eligible for EPS. That ₹1,250/month stays inside your PF and earns interest. This is the better outcome. Joined after September 2014 but basic salary was below ₹15,000?EPS applies. Pension gets deducted. No opt-out. Why is not being in EPS actually a good thing? That ₹1,250 going into EPS every month accumulates but when you retire at 58, the maximum monthly pension you can receive is ₹7,500. In today's cost of living, that number is not meaningful. Contrast that with keeping ₹1,250 inside EPF where it earns 8.25% p.a., compounded, government-backed and the difference over a career is significant. Comment "EPF" below and we'll send you the link to join Ketan and @thefynprint on May 22nd where he's answering your EPF transfer questions and more. #EPS #EPF #EmployeePensionScheme #EPFOIndia #PFDeduction #EPFInterest #SalariedIndia #ProvidentFund #EPFOPension #PersonalFinanceIndia #RetirementPlanning #EPFvsEPS #EPFO #FINRIGHT #KetanDas #thefynprint

@VINAYTANWA44987 Hey Vinay, do reach out to us we can assist you with you query. At finright.in or DM us!

It's been almost two months since I have applied for My EPF account withdrawal But I am unable to withdrawal 🤔🤔

Changed jobs multiple times? Your PF might be scattered across accounts without you even knowing. If you have multiple EPF accounts from different companies but they’re linked to the same UAN, you don’t need to transfer them one by one. Here’s how to merge them into your current PF account: Step 1: Login to the EPFO Member Home Portal using your UAN. Step 2: Go to Online Services → “One Member, One EPF Account (Transfer Request)”. Step 3: Enter your UAN number and click “Get Details” to see all PF accounts linked to your employment history. Step 4: Select all your previous companies together — yes, you can transfer them at once. Step 5: Submit the request. Your old EPF balances will be transferred to your current active PF account. If you’ve switched jobs multiple times, this is worth checking many people forget old PF accounts exist. Comment below if you have an EPF-related question, and we might answer it in our next video! 📌 Save this for later or share it with someone who has changed jobs. @ActusDei @Amey_AK @absolutely_KJD (EPF transfer | PF account merge | UAN | EPFO portal | employee provident fund | one member one EPF account | merge PF accounts | provident fund transfer) #EPFTransfer #EPFO #UAN #PFTransfer #ProvidentFund #PFAccount #EmployeeProvidentFund #FinanceTipsIndia #SalaryTips #JobChange

Hey Jitesh, you’re not alone many people have faced similar issues. This shouldn’t happen, especially since we’re trusting the government with our hard-earned money. People expect their contributions to accumulate interest, yet some miss out on it for 2–3 years. Who tracks this? Usually no one. When we help someone, we don’t just assist with withdrawing their PF we also help recover any interest that was missing and unknown to them. We’d really like to assist you in recovering your money. I’d recommend reaching out we’d love to support you during this challenging process.

@officialepfo so careless, contributions vanish for 6 months (Apr–Sep 2025) after Mar 26! grievance portal won’t even send OTPs via email/phone to file complaints. Delayed interest crediting? @LabourMinistry @mansukhmandviya @PIB_India @PIBHindi

@aru_2009 @absolutely_KJD Hey, here is your link to registered for the webinar: thefynprint.com/webinars/epf-t…

@FinRight @absolutely_KJD EPF

@SwipeToWealth @ActusDei @absolutely_KJD Hey EPS amount doesn't get transferred like your EPF amount. Your EPS service should accumulate to get the benefit of pension.

@FinRight @ActusDei @absolutely_KJD I have an EPS contribution in the previous organization that is lying idle show me in my UAN number but how can I transfer it to my current organisation EPS contribution scheme ?

@anusha1110 @absolutely_KJD Hey, No you can't opt out

@FinRight @absolutely_KJD Is there no way to opt out of eps?

"Claim Settled" does NOT mean the money is in your account. Here's what it actually means. You're not alone. This happens more than you'd think and there are exactly two reasons why. Here's what @absolutely_KJD (PF Expert, @FinRight ) says to check 👇 ⏳ Reason 1 — Processing lag. Don't panic yet. "Claim Settled" = PF officer approved it internally. The money still has to move to the accounts department → then to your bank. That takes 3 working days to a week. Still within that window? Wait. It's on its way. Reason 2 — Bank detail mismatch. Wrong account number or outdated IFSC = transfer bounces. Money gets refunded back to your PF account and that also takes time. Check right now: → Is your registered bank account still active? → Has your IFSC changed recently? Former @Citibank customers this one's for you: Citibank was acquired by @AxisDirect_In. Your IFSC changed. If your EPFO profile still has the old Citibank IFSC, that's exactly why the money didn't land. Settled doesn't always mean received. Now you know why. Stuck on a PF claim? Visit finright.in raise a request and our experts will call you back. Comment "EPF" and register for our webinar with @thefynprint on EPF transfer issues. @ActusDei @Amey_AK #EPFOClaimSettled #PFWithdrawal #EPFClaim #EPFOIndia #PFClaimStatus #EPFWithdrawalDelay #IFSCMismatch #CitibankAxisBank #EPFO #ProvidentFund #PFMoney #EPFOHelp #PersonalFinanceIndia #FINRIGHT #KetanDas #thefynprint

@omnikaushal Hi Kaushal, apologies for the inconvenience. Our team will reach out to you shortly to assist. Thank you for your patience!

Two UAN numbers. Overlapping PF contributions. Should you merge them? Sounds like a simple yes. It's not. Getting this wrong can lock your entire PF withdrawal for months. Here's what most people don't know 👇 - Overlapping contributions = red flag in EPFO's systemThe moment you try to withdraw, the system flags it. Then the questions start. - If you genuinely worked two jobs at the same time:You need clarification letters from BOTH employers confirming different working hours and mutual awareness. Without this, don't merge. - The pension rule that catches everyone off guard:Even with dual employment fully above board you can only be a pension member in ONE organisation. Parallel pension contributions are not allowed. Period. - If the second employer didn't know you had another job: Do not merge. The overlap will show up and it's very hard to explain. Two UANs isn't always the problem. Merging without clarity always leave your PF blocked and stuck 📅 Got a PF situation like this? DM us or Join @absolutely_KJD is answering live questions on May 22nd WEBINAR with @thefynprint. Comment "EPF" for link @ActusDei @Amey_AK #UAN #EPFOverlap #DualUAN #EPFOIndia #UANMerge #ProvidentFund #EPFWithdrawal #DualEmployment #EPFOPension #PFClaim #EPFOHelp #PersonalFinanceIndia #FINRIGHT #KetanDas #thefynprint #SalariedIndia

EPF Claim Rejected? Here’s How to Decode the Rejection Reasons! Ketan Das @absolutely_KJD , Expert at @FinRight, explains why EPFO rejections happen and how to understand the two rejection reasons you’ll receive. The first reason is key! Secondary reasons often involve KYC issues or father’s name mismatch (Not Actual reason for the rejection). Got questions? Drop them in the comments! Join us live on May 22nd for more insights. Comment "EPF" for the link @ActusDei #EPF #ClaimRejection #PFExpert #FinRight #RetirementPlanning #WebinarAlert

Yes, you're right! For most employees, EPF money is tax-free under the following conditions: - If the EPF account is maintained for 5 years or more, both the contributions and the interest earned are tax-free when withdrawn. - Interest on EPF contributions up to ₹2.5 lakh annually remains tax-free. - If contributions exceed ₹2.5 lakh annually, the interest earned on the excess amount becomes taxable as per your income tax slab, especially for high-income earners or those making Voluntary Provident Fund (VPF) contributions. So, as long as the EPF account is held for 5 years or more and contributions are within the limit, the entire amount is tax-free when withdrawn.

@FinRight @ActusDei @absolutely_KJD Epf money is tax free as I understand

You just lost your job. Should you withdraw your PF immediately? Most people say yes, money in hand feels safer than money locked away. But here's what that decision actually costs you, and what most people get wrong before making it. Ketan Das (@absolutely_KJD) , PF Expert at @FinRight, breaks it down: Your PF keeps earning interest even after you leave a job. → Left before age 55? Interest continues until you turn 58. → Left after 55? Interest runs for 3 more years. EPF currently offers 8.25% p.a. :- government-backed, guaranteed. There is almost no debt instrument in India that matches this. But here's the part people miss :- the interest becomes taxable. If you're unemployed with zero other income, your tax liability may be low or nil. That's fine. But if you have rental income, freelance income, or any other source, the EPF interest gets added on top and taxed at your applicable slab rate. So before you withdraw, ask yourself two things: 1 What is my current tax slab? 2 Do I actually need this money right now or am I withdrawing out of anxiety? If the answer to #2 is anxiety- leave it. Let it compound. You're sitting on one of the best debt instruments available to any Indian investor. If you have more PF questions Ketan is answering them live on May 22nd with @thefynprint. 👉 Register here: lnkd.in/dSYiHP5c @ActusDei @Amey_AK #EPFTransfer #EPFInterest #ProvidentFund #EPFWithdrawal #EPFO #JobLost #AskFinRight #WithdrawPF

Yes, if someone has contributed to their EPF for 5 years, the principal amount withdrawn is tax-free. However, from FY 2021–22, interest on contributions exceeding ₹2.5 lakh annually is taxable, if the person makes higher voluntary contributions or earns a higher salary. But for the typical employee with contributions within this threshold, EPF interest remains tax-free.

@FinRight @ActusDei @absolutely_KJD I mean if person has contributed for 5 years in epf . All the money withdrawn is tax free .

@joyjitpal @absolutely_KJD Hey Joyjit, do reach out to us at finright.in or DM us your contact detail sour team will reach out to you

@FinRight @absolutely_KJD I am not able to transfer pf from previous employer

What happens to a deceased employee's PF when the employer is unreachable? This is a question families face at the worst possible time and most don't know they have options beyond waiting for the employer to respond. Ketan Das @absolutely_KJD , PF Expert at @FinRight, breaks it down clearly: Step 1: Check if the deceased member completed e-nomination. If yes, the nominee can access the EPFO portal directly. Step 2: If e-nomination wasn't done and the employer is unresponsive, visit the PF office where the last contribution was made. Step 3: Submit a clarification letter. The PF office then initiates an internal transfer from all previous accounts without needing employer cooperation. Turnaround for online death claims: ~3 days. Cross-office transfers may take a few months. This is the kind of procedural knowledge that rarely gets shared clearly but it matters enormously when a family is navigating a loss. If you work in HR, payroll, or personal finance advisory this is worth sharing with your network. A lot of people are stuck on this exact issue. Ketan will be answering live questions at @thefynprint upcoming webinar on May 22nd. If you or someone you know has a PF question, this is the place to bring it. 🔗 Register here: thefynprint.com/webinars/epf-t… @ActusDei @Amey_AK

@itsNirbhayS @grok Hi Nirbhay, We are currently helping people who's PF Provident Fund is stuck or blocked. If you're facing issue with your Provident Fund feel free to connect with us at finright.in

@FinRight What is finrights @grok is this save

At Tata, Mahindra or Reliance? You may have multiple PF accounts. Most people working at conglomerate don't realise → Each subsidiary = New Employer → Internal transfers don't auto-consolidate → Only your current entity's PF is accessible Get it transferred with FinRight

@ravinderdhing12 Hey you can DM us your contact details or book a call at finright.in

@FinRight I need some help. Where and who should in your team I get in touch with?

Sun Pharma → Cipla → Lupin and more. Most pharma employees have 2–4 PF accounts completely forgotten. If you never transferred: → Only your last employer's PF is accessible → Older accounts stay stuck → Tax applicable if service is under 5 years Need help with your PF?

@r0r_dpk Hi, thank you for reaching out to us. We sincerely apologize for the lack of communication you've experienced. This is not the kind of experience we aim to provide. Please DM us your contact number, and our team will get in touch with you as soon as possible