Your chances of obtaining a successful Employees’ Provident Fund (EPF) claim settlement can be considerably increased by being aware of the common causes of online EPF claim rejections. Below are some of the common reasons why your claim could be rejected and solutions to avoid the rejection, according to a video posted by EPFO on their YouTube channel.
Common reasons for rejection of EPF withdrawal claim
If the information submitted with the claim does not match the information in the EPF database, the claim can be denied. It is important to cross-check and make sure that all details submitted by you while filing a claim matches with the information available in the EPFO records.
Usually, a mismatch occurs in the name, date of joining and leaving the organisation, bank account of the EPF account holder, incomplete KYC records and incomplete bank details and age or date of birth.
Hence, one should check name, father’s/husband’s name, date of joining and leaving the company, KYC verification, correct bank details and age or date of birth at the time of filing EPF withdrawal claim.
Apart from these, an individual is required to submit certain self-declaration forms for claim process. One must ensure that there is no mistake in the self-declaration forms before submitting a claim.
Please check if you are eligible for the claim before submitting the form.
How to avoid EPF claim rejection
Here are the reasons in detail about the rejection of the EPF withdrawal claims and how to correct it.
Correcting mismatch in name
There can be a mismatch in the name mentioned in the EPF records with that of what is mentioned on Aadhaar. If there is a mismatch in the name, you should submit a joint declaration for along with the claim to correct it, as per EPFO.
Mismatch in date of birth
In case if there is a mismatch in date of birth, claims can be rejected. Hence, one must either correct the date of birth either in EPFO records or in Aadhaar records to ensure that date of birth matches in both the documents.
Incomplete KYC
An incomplete KYC with the EPFO records can also lead to rejection of EPF claim. Before making a claim in EPF account, it is better to complete the KYC.
Joint bank account
EPF claim can be rejected if you have given a joint bank account which is held with a person who is not a spouse. The EPFO will credit the claim money either in an individual bank account or joint bank account held with the spouse.
Error in bank account details
While checking bank details must check the bank account number, IFSC Code, bank name bank branch details. If there is a change in IFSC or any other detail of the bank due to merger, then the same must be updated in the EPFO records before claim is filed.
Many a times claim is rejected due to blurry image of cheque or blurry passbook. Make sure to upload the original and clear picture of cheque or passbook. Avoid uploading a photocopy of cheque or passbook to avoid rejection.
In case of error in the bank details, EPF account holder is required to update the KYC and bank details in EPF portal online.
Ensure that your name is visible on the uploaded copy of your cheque or in the first page of your passbook. If name is not printed on the cheque, then EPF member is required to upload first page of bank passbook.
Date of joining and leaving the organisation
At times, employee’s date of joining and leaving the organisation is not updated or correct on the EPFO’s portal. To correct the joining date, one must approach the organisation for correction. However, EPFO allows an employee to update the exit date on their own in the EPFO portal.
Not linking of UAN with Aadhaar
Claims can be rejected if UAN is not linked with Aadhaar. Your UAN or EPF account can be linked to your Aadhaar in four different ways.
Wrong application form
Incorrect application submitted for money withdrawal from EPF account is one of the causes of claim rejection. Thus, be sure to use the appropriate withdrawal form.
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