⚫Pension Withdrawal कम क्यों आया? ऐसे लें PF Department से Balance Amount | LLA EPS Ep#1 

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real eye opener, EPS is particularly a grey area for private sector employees

Aap ke Choti si video se bohot fayda hota hai Public ko ase hi help karte raho sir🙏 sukriya sabhi viewer ke our se

This is by far the most clearly explained video on PF & Pension withdrawal soo far .

Sir aapke video bhot fayde ke hai aapki jobhi information hoti hai vo puri genuine hoti hai.

Great Information. I was calculating my EPS withdrawal amount based on this video from last few days. And then I applied. My contributed amount: Rs. 93300 As per calculation, withdrawal amount: Rs 1.05L Final withdrawal amount: Rs. 95648. Satisfied...

Thank u sir for this video..my pension fund Amt was 38125 but after pension withdrawal I recieved only 25143..which is almost 13000 less ..now I know that I have to file a grievance to get the rest amt..thank u again sir ..

Very informative video... I'm sharing to all my friends and family members who have epf account....

With reference to your grievance, it is to inform that your EPS claim has been settled taking contribution up to 58 years of your age.Further, you are requested to forward a letter through your employer for conversion of EPS amount, which was deposited after completion of 58 years of your age, into PF account thereafter you have to apply PF claim for part payment.

Service : 1.5 Years. Pension : ₹ 12,288. Approved ₹ 888,2. Not Approved : ₹ 4,006

Extremely thanks for the English subtitles ❤

Really love all the information you are sharing.....:)We are definitely getting educated by it....Please keep going....:)

Good work guys, keep it going..

Its very informative and helpful for ..most of the employees who are unknown about such facts......👍

Omg ..ye to gajab ki knowledge hai..jo koi nahi bata sakta..thanks

Well explained !!! very informative !!! Excellent work Rishabh Jain

I applied for my aunty ji, as per your calculations amount expected was 63413, she worked for 6 years and last wage of month is of 17 days and that was 4528, but the previous wages before exiting was 10447, and actually total contribution was 46893, but the claim withdrawal amount is 47304.

Thanks a lot for addressing this hidden issue I appreciate your work.👍 People hardly know their hard earned money is being used by epf in such unethical ways. Ideally the epf department itself should avoid pension contribution if a person is not eligible, but what else can we expect from government employees.😑 Kindly help us understand how to withdraw our pension contribution in detail and also how to ask our employer to stop contributing to pension and insted contribute in employer epf share.🙏

Dear Rishabh, Main error for less amount of EPS claim is that EPF authorities deduct the NCP days from pensionable service while claim settlement. For example if service is 4 years but NCP days count during this service is 7 months then net pensionable service will be 3 years and 5 months and will further be rounded down to 3 years and table D will be counted as 3 years instead of 4 years. In other words a period between DOJ and DOE is not pensionable service but a total number of days for which contribution paid is pensionable service. This error is missing in your video otherwise a good contents.

Thanks for such detailed explanation. Itana sab jyadatar logon ko malum nahi hota hai.. Aur government isi bat ka phayda utha rahe hai... EPFO should track all this information and they should not charge more than 1250 eps.. EPFO is culprit here. 😠😠

I did not know i had money stuck in EPS sisce past 8 years of service. Thanks for informing.

Thanks Sir for such a simple explanation. My pension Amount was 21970 and i got 15300. I was worried about getting such low amount but it's clear that 15000*1.02 = 15300. Thanks for sharing your knowledge.

You didn't answer 2 important points. 1. Can we withdraw if still working with company? Can we tell employer to stop putting EPS component and only submit EPF component. 2. If let's say I am working from 2015-2021 for 6 years and leaves the company and files request of withdrawal and get the amount. Now I join another company, will EPS contributiom again start from 0 or it can never start?

पीएफ विड्रोल बनाया ही ऑनलाइन इसलिए कि सरकार पैसा लूट सके

Thanks for putting this information out. Really an eye opener. But now I am confused EPS with below Scenario: Joined workforce and EPF family with less then 15k basic salary. After some time this basic salary increased beyond 15k, but new organisations still deducting EPS. The question is He/she still eligible or not for EPS?

Pension withdrawal claim was settled less amount, means after the settled claim of Form-10C i received only Rs. 67,735/- in my linked bank account but my actual balance of Pension contribution is Rs. 1,02,901/-, i did my pension withdrawal calculation as per EPS 95 TABLE D, my total service is 7 years and 2 months (86 months) and my total EPS wages for 86 months as per my passbook is Rs. 12,35,099/-, for its average i divided it by 86 months so its average amount is Rs. 14,361/- and i multiplied this by proportion of wages for 7 years of service is 7.13 as per TABLE D, so the final amount to be settled are Rs. 1,02,393/-, remaining amount is Rs. 34,658/-, am i right or wrong ? Sir, please let me know

Thank you and to your team Sir for this informative Video..Really helpful information..trying to spared awareness among all my friends by sharing this info.. However, I'm bit confused looking at these complications of EPS process.

i have a question regarding EPS, i started my first job in 2015(i.e. after 1 sept 2014) and EPS contribution is deducting from my Salary. Is there any way to stop EPS contribution ?

Hi, I have two questions: 1. The first reason you have stated for less amount of Pension after withdrawal is "Applied before Transferring the money". Here what are you referring to transfer? Is it epf or eps transfer? I have transferred epf. If i apply for eps will the amount get reduced for this reason? 2. I joined Wipro in 2015 and left 2019. Then I joined TCS and after some time I transferred my epf of previous company. Can I transfer my EPS of previous company to my current employer? Do I have to transfer my eps before withdrawing? Please advise.

Wa sir apne bahut hi accha kam kar rahe ho, aap apne knowledge ko share karte raho uper vala hamesha aapke sath rahe.🙏🙏👍👍 Aur hame aise hi help karte rahe!

Thank you very much for the info bro...here what is my doubt is if after resigned from any company...2 or 3 months later...we can withdraw PF and Pension....but instead if we transfer it to next company then only PF will transfer (we can see) and Pension amount we can't see.. for that u have given proper justification by saying after retirement we will get...but incase after resign from 2nd company (for which I transferred 1st company PF amount etc...)...then based on money requirement...if I decide NOT to transfer PF to the 3rd company and tried to withdraw the PF and Pension etc from 2nd company (after 3 months of resign...then along with the PF and Pension of 2nd company WILL I GET THE PENSION AMOUNT OF FIRST COMPANY or NOT ? Hope u my question without confusion. Plz reply. Thank you sir.

In your video, you mentioned EPS does not apply for an employee earning Salary of 15000, here what do you mean Basic 15000 or do you mean overall more than 15000?

Hi Rishabh, Thank you for this great information. My PF account got started in 2017 and I can see the contribution of Rs1250 into my EPS account. My monthly wages were more than Rs.15000 at that time so as per rules, I am not eligible for EPS. Could you please tell me the process to stop EPS contribution and steps to withdrawal that amount. Thanks in advance.

🙏👍If we do job for 58 years, we will pay 15K x 58. And if government willing to give 10% interest, then we get 7.5K. बाकी आप खुद ही समझदार है। अच्छा गवर्नमेंट की नीति है। जय EPS. I get 23K out of 32K after 2.6 years. No interest only deduction 😃😡🤬 Better to do cash before 9.5Years without fail.

Perfect explanation.. no confusion..

Minimum Pension Rs 7500/+DA+M.A may be sanctioned to all old EPS95 Pensioners who were retired during 2001&earlier years with very very meagre pension&unable to maintain theiir family members of 3 or 4 at home.Higher Pension for Higher salaried & retired eps95 pensioners may be considered afterwards as they are getting more than Rs 15000/ p.m now itself!!!Both demand should not be mixed&dragged till all the old eps95 pensioners are died year by year!!!

I worked in three different companies for 5 years. When I applied for an EPS claim, I received only my last company’s EPS amount. I don’t know what happened to my other companies’ EPS amount?

Sir agar kisi employee ka working days 3 years 2 ya 3 months h to calculation kya hoga

Employee Share - 97537 mil gya or Employer Share - 30303 ye bhi pura mil gya jo passbook me dikh raha tha Pension ka 49131 nahi mila lekin Pension Con. 49131 aaj bhi dikh raha hai lekin mil nahi pa raha hai bahut koshis kar chuka hu 2018 se ab tak nahi mila

sir i think you should update this series with the new ceiling amount introduced in 2024 and rules that gets added to keep your followers Jagruk with every new rules.

Thanks for sharing EPF website update.. I have query.. Form 13 transfer ke liye bhar diya hai...To PF and pension dono amount transfer hoga kya? Please advise..

This was very helpful, thanks team.

I believe 90% common people are getting lower pension and government has made this EPS thing so complex to make them fool.

Hi @labour law advisor - I am facing quite a unique problem and cant seem to find a way out. Precise: I had my last working day in early Jan 2022 in my past organisation. The firm showed in Full and Final settlement that EPF for Jan 2022 (and some balance of Dec 2022) has been paid. But in EPFO site passbook doesnt show the amount. It is now more than 3 months of my last working day and the EPFO site passbook shows the same wrong amount. What I want: I want to withdraw the entire EPF amount (as I do not work in a firm with salary having PF component). Queries: 1. Why doesnt EPFO passbook show correct amount (i.e., with the last month PF submitted by my previous organisation)? 2. Does the delay concern me? How to reach out to EPFO to resolve this? 3. Can I mark myself as EXIT in EPFO OR will my previous organisation do this (once the final month PF contribution is shown in EPFO Passbook)? 4. Will EPF withdrawal in full lead to losing the FY22 interest accrued on the EPFO balance? Will really appreciate your help in resolving some of the above matter. At least, kindly show me a path to reach out to concerned authorities, as my EPFO amount is stuck (neither can i withdraw nor can I be sure of the final EPFO amount). Thanks in advance.

Question: I started working in 2018, my contribution to Employee share is 1800, Employer share is 550, Pension is 1250. So, am I under "Not_eligible category"? Should Pension of 1250 not be cut or what is this case?

In cheezo ko itna complicated kyu bnaya h simple pura paisa kyu nhi deti government...I suggest ask your employees to set Pension contributions as 0. It can be updated by your employer.

I have never claimed for pension withdrawal and I have worked in 2 different companies. My pension amount is getting reflected in the passbook. Please guide me on how to withdraw the pension amount from my last company.

My contribution in pention was ₹19,145/- and settled amount was ₹9812/- my service was 18months..

It's really helpful! Thank you very much🙏

Most Important & helpful, Kripya ek Gratuity par bhi video banaye

To be genuine, ye pf ka process he bhut hectic h bhut bhut jyada, jo ek normal insan ke smjh se bhar hai. Pf department must be simplified these things for every citizen.

Hello LLA, Thanks for sharing valuable information. I have one doubt, as you described that there are many genuine reasons due to that we received less eps fund, and one of these is " Applied for withdrawal before transferring the money" , can you please explain that how to transfer eps fund before withdrawal ? As I have to withdraw my eps fund.

Mera Pension Contributions 65146/- h or muje final settlement me 59850/- Mila muje Last eps wages 11968/- and all month eps wages 15000/-

At present in our school both employees and employer are contributing on gross salary which may be above 15,000 and also, we paying PF administrative charge at such higher salary. We are thinking to change the process slightly so that some amount can be saved for employer. To show PF wages maximum of 15,000/- but calculate PF contribution on gross salary and show extra amount as VPF. In this way employee to contribution will remain same at the same time employer PF administrative charge will decreases. Also, can Employer also contribute to VPF if willing.

Yes sir pf fund mein contributed amount kum Show hota hai. Per payment 143 rs less it is

very well communicated... very helpful

Espe Ek Or Part Banaiye..To Jyada Better Samajh Payenge

my pension amount mention in passbook is 65000/- and settlement amount is 54863 for 15000 EPS wage and 4 year 3 months service. Also to claim Pension amount you need to claim it with form 19(PF withdrawal) you can not claim form 10C before claiming form 19, my pension withdrawal claim was rejected as I have claim it without claiming PF !!

First epf pension 3yrs 26122 Second epf pension 9 months 8106 But pensions received 22350 Pls reply.

i think we should file a PIL in this regarding becouse PF fund is very complicated and PF department is not doing their work properly

Contribution 8.33 Return of contribute Epf 1.1.sep.2014 Maximus 1250 se jaida 15000/ Epf Pension Pf deposit par se pisane nikal sakta

Dear sir, Maine three bar claim submit kiya jo ki rejected hua remarks me diya. 1) kindly upload previous establishment PF passbook along with cheque or bank passbook for remaining pension amount. 2) kindly upload previous 2 establishment PF passbook along with cheque or bank passbook along with cheque or bank passbook for remaining pension amount. 3)Kindly submit all previous establishment full pf passbook for remaining EPS amount and resubmit the claim. Pension ko kaise withdrawal karu please comment me bataye.

Total EE BALANCE- 45,810 Total ER BALANCE- 14,014 Total balance. - 59824 Mene job chod di he,3.10 months complite. To muje 15g form bharna padega yes ,no? Me total balance widrow karsakta hu kya?

Mera pension balance tha 40590 but Mera settled Hua 13449. main PF transfer kiya tha. Age kam hai 45. 10 years job nahi hua hai

Baby Maine Teri 1076 ko join kiya tha aur 30 June 2011 ko retire hua Use Samay Meri salary 38000 ki aur Mujhe 20 pension mil rahi hai aur mera PPO number 23192 hai mujhe Kitni pension Milegi Ab Mujhe 2055 mil rahi hai dhanyvad Jay Hind

Helpful video thank you so much

Sir I really need your help. Sir I am I.T. Engineer. My account was opened in Apr 2014. 1) First time I have transfer amount from previous company to present company. However only Employee & Employer contribution transfer. While Pension column get zero. Till now I did not get any response from EPF office 2) Passbook shows following details EPF = 15,000 EPS = 15000 Employee = 1800 Employer = 550 Pension = 1250 3) Till now I have worked with 6 company and duration is 9.5 years. 4) Sir I am 49 years old. How much amount I will get it at 58 years ? e.g. (its 50,000 then it is per year or per month) ? Request you for guide me

Sir company wages ₹ 14000 company ₹ 1680 pf deposit kr rahi hai. Jab ki aap ne. Bataya hai ₹ 1250 se adhik nahi hona chahiye. Ab mujhe kya karana chahiye.

Sir..Thank you so much for the video.

Thank you a lot sir. You are always sharing too good informations. Request to you please help me as I have faced so much confused process on settlement EPFO process as of now.

Sir I have worked in the company for five years and 2 months

I left job after a year of service and I am doing business now. I could withdraw only my own contribution from pf. Nothing from pension, nothing from the employer's contribution towards pf. The passbook shows balance. Please guide

What is different in FORM10C(ONLY PENSION WITHDRAW) AND FORM10C (SCHEME CERTIFICATE) PLS ANYONE REPLY

error shown Sorry, You are not eligible to apply for Form-10C (Scheme Certificate).To apply for other categories of claim

I am 58 + years & have worked in a private company for 16 + years & withdrawn my PF in full. And now I have applied Form10D but was rejected without any reason. Please help me.🙏

I have completed 9 years and still working in same company..my age is 35 year and don't want pension plan want to withdraw means I want to leave job .. times came now yaaa hoooo

Sir! I applied for my friend pension withdrawal. His Date of joining was 20 September 2011 and Exit date was 29 February2020 . Actual ammount in passbook was 78131₹ ,But the claim settled amount received is 69443₹.

Pf contribution is just a way goverment parties can enjoy our money. Who knows there might be a scam going on with our pf money just like in case of harshad mehta using sbi money

I started working since 2012 and in the month of Nov 2017 i withdrawn all the EPF and pension amount. Now when I joined new company from Nov 2017 to June 2022 but they are not allowing me to withdraw pension stating that I have completed more than 9.5 years of service hence i am eligible for pensions at the age of 58,, Kindly suggest

Good very useful information thank you sir

This one is very informative video.. Thanks for your efforts.👍 I hv joined new company, my previous companies contribution, do i hv to transfer it or directly i can withdraw?

Very nice video.... Informative video

I have worked 9.4months in A company and 8Months in B company. My basic Salary was more than 15000 in B company that i joined in January 2023.Now I have left both the organisation.can i withdraw my whole pension scheme or it will go to pension fund

I worked 1 year in company A, then 1.5 year in company B, and then rejoined company A and it's about 8 months I am working in company A. Pension contribution is 22k. I filled form 10-c. How much to expect from this?

Showing pension contribute - 62103. Claim amount - 48876

Please expose the inefficiency and scam run by PF office. Government should be compensating people for all the hassle and fraud. No contact numbers work. No response is ever received on mail. Passbook is not available. My bank account KYC keeps failing while it was fine till my last job. There are no auto mergers, why? When tax is auto deducted then why cant PF also be automated?

Sir, 1. I have 31 years of service in India 2. Salary was more than Rs. 15,000 after 15 years of service 3. I am more than 60 years of Age, have not withdrawn PF or EPS, from 56 years of age working abroad with no Social Security Scheme, NRI and would like to know a. do we get a lumpsum pension withdrawal also after filling up 10D form thru UMANG? b. I will fill 15H, still, I have to pay some TDS on withdrawal being NRI.

Sir please make a vedio on death case pf and pension withdrawal with less than or more than 10 years of service, complete procedure EDLI insurance also

Please make video on new EPS 95 calculation decision made at December 2022. I joined in service in 1986 August and going to retire on 2025 August

PF CLAIM REJECTED REASON 1) - Transfer in under process PL apply then update. 2) - UAN CLAIM CANCELLED cheque not as per kyc bank details. I am not understand reason 1. Please help me

Company A se amount transfer kar liya... Service 1 year 2 month.... Amount showing in pension 14046/-... Conpany B.... Pension 16723/-.......employer share 17219/-.....employee 7006/-..... Now applied for 19 and 10c.... Sir ab kitna amount aaega withdrawal mein???? Pls reply

I have contributed to EPS/EPF for 22 years of from 2000 to 2022. Can I get immediate pension? how much it will be?

Total Pension amount Old I'd aur nayi Id ka milake 26500 aur Mila hai only 12935.

Thank you for the details, very helpful. Question: I want to withdraw my entire PF amount and DOE is also mentioned. I have 19+ years of job experience and am currently working outside India. In my last organization, DOJ is 2015 and DOE is 2018 (after that I moved out of India). Will there be any TDS or Tax deduction just because my last company duration is 3 years (though I have 19 years exp) or PF department will consider my total 19 years of exp? I have transferred all my PF amounts from my previous employer to my last employer. My KYC was also verified.

Sir maine old pf ka paisa new company m transfer kardiya or maine 2-2 years kaam kiya h or ab maine form dono fill kardiye but 10 din baad message aaya h ki apka 10C form reject kar diya h Reason: member not ellegebal My question why? Maine 2 year work kiya h....

Hi sir, I saw pension video it was very good knowledge shared, now I have request to share how to transfer pension amount from previous organizations to current organization. So please share knowledge

Sir, You are not telling about EPS Pension calculation; the employee who retires after 33 years of service in the same Company. The Gross salary was Rs. 75000/00. I have been asking this 3 months

Hi Rishabh. Your video is full of knowledge. Yet, Most RU-vidrs are not talking about if service is more than 10 years and who also are more than 58 years. I’m now 59 and has more than 10 years service. Few days back I applied for full EPF. But not able to withdraw my Pension Fund. How do I do that? Should I use Scheme Certificare Form 10 C for it?

After Transferred to the previous company -i have applied and withdraw. And withdraw amount is less.

I joined in August 2015 with monthly income 35000...and still every month 1250 is contributed in eps....is it correct or should I stop that contribution