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Filing for the Employees’ Provident Fund Organisation (EPFO) can be a complex process, and mistakes can lead to delays or rejections. Here are some of the top common mistakes and practical tips to ensure smooth EPFO monthly filing.
One of the primary reasons for EPFO claim rejections is inaccurate or incomplete KYC (Know Your Customer) details. The EPFO requires that all KYC details, including Aadhaar, PAN, and bank account information, be accurate and up-to-date. Any discrepancies can lead to the rejection of your claim.
Tip: Always double-check your KYC details before submitting your claim. Ensure that your Aadhaar is linked to your UAN (Universal Account Number) and that all personal information matches the details in the EPFO database.
Another common mistake is a mismatch in personal information. This can include differences in the spelling of your name, your father’s name, or your date of birth between your KYC documents and the EPFO records.
Tip: Verify that all personal details in your documents match exactly with the information in the EPFO database. If there are any discrepancies, submit a Joint Declaration Form with your employer to correct the details.
Providing incorrect bank details, such as an incorrect account number or IFSC code, can also lead to the rejection of your EPFO claim. The EPFO requires that the bank account be in the employee’s name only, and joint accounts are not accepted unless they are with a spouse.
Tip: Ensure that your bank details are accurate and up-to-date. If your bank account has become dormant or the IFSC code has changed due to a merger, redo your bank KYC and get it re-approved by your employer.
Your Aadhaar must be verified and linked to your UAN for your EPFO claim to be approved. Without this linking, the EPFO can reject your claim.
Tip: Make sure your Aadhaar is linked to your UAN and that the details are verified. This can be done through the EPFO portal.
An unclear or mismatched signature can also be a reason for EPFO claim rejection. The signature on your claim form must match the one available in the EPFO’s records.
Tip: Ensure that your signature is clear and matches the signature in the EPFO database. If there is a discrepancy, you may need to update your signature with the EPFO.
EPFO allows partial withdrawals before maturity only under certain conditions. For example, you must have completed five years of continuous employment to withdraw a maximum of 12 months’ basic salary with dearness allowance or an employee’s share with interest, whichever is lower.
Tip: Understand the withdrawal rules before filing your claim. Ensure that you meet the eligibility criteria for the type of withdrawal you are applying for.
To claim the total corpus on retirement, you must have maintained employment for at least six months. This is mandatory for pension withdrawal.
Tip: Ensure that you have completed the required period of service before applying for pension withdrawal. Use the correct forms (Form 19 for final settlement and Form 10C for pension withdrawal) when submitting your claim.
Claims that do not meet the specific criteria for withdrawal or advance as outlined by the EPFO are rejected.
Tip: Check the eligibility criteria for the type of withdrawal or advance you are applying for. Ensure that you meet all the requirements before submitting your claim.
Submitting incomplete or incorrect documents can lead to the rejection of your EPFO claim. This includes missing documents or discrepancies in personal information.
Tip: Ensure that all required documents are complete and accurate before submitting your claim. Double-check for any errors or missing information.
Navigating the EPFO filing process can be challenging, but by being aware of common mistakes and taking proactive steps, you can ensure a smoother experience. Double-checking your documents, ensuring accurate KYC details, and staying informed about the withdrawal rules are essential steps to avoid rejections. If you encounter any issues, don’t hesitate to seek assistance from your employer or the EPFO office.
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