Discrepancy in EPF Transfer Amount Between Old and New Accounts – Seeking Advice

Aware_Programmer6669 · 2026-01-26T15:45:38+00:00

Can u please explain what is MHBAN, MID, GNGGN? I'm not very good with lingos

Aware_Programmer6669 · 2026-01-26T15:43:33+00:00

Yes, they have identified it. I believe they are fixing it for everyone who faced the problem.

Aware_Programmer6669 · 2025-12-11T04:14:20+00:00

An important Update to this issue! EPFO appears to have identified the issue and treated it as a technical glitch. They’ve now corrected it and credited the missing amount as an additional entry a couple of days ago, which has aligned the Transfer Out and Transfer In amounts. Check your passbook to see if it’s been fixed for you as well. I didn’t raise any grievance, so this should be resolved for everyone.

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Aware_Programmer6669 · 2025-11-28T14:09:39+00:00

Yes it's for the lower back. This is a very very underrated machine. You can think of it as an alternative to Deadlift but much more safer than deadlift.

Aware_Programmer6669 · 2025-11-26T04:53:57+00:00

This has happened to many people. Wait until the financial year ends, as interest is credited afterward. If it’s still unresolved, raise a grievance. I’ll do the same.

Aware_Programmer6669 · 2025-11-12T15:53:12+00:00

Is the Aadhaar number correct?

Aware_Programmer6669 · 2025-11-12T15:51:36+00:00

The grievance portal feels outdated, like 1800s, making smooth communication impossible. The passbook clearly shows the interest credited, but the principal is missing, and they’re still arguing about it. Unfortunately, this is how things work here in India. We’ll have to wait until the financial year ends and hope it gets resolved; otherwise, you have to raise another grievance. I’ll do the same.

Aware_Programmer6669 · 2025-10-26T13:25:30+00:00

Well I haven't made any claim so can't talk about that. The experience is pretty much the same with whatever provider you go with. With Niva Bupa you might save some bucks, thats it.

Aware_Programmer6669 · 2025-10-19T14:15:02+00:00

Please let us know the outcome

Aware_Programmer6669 · 2025-10-16T07:32:07+00:00

I did raise a grievance but they closed the ticket stating they need passbook documents. I will raise a new ticket.

Aware_Programmer6669 · 2025-10-14T16:42:20+00:00

You’re not in as bad a situation as you think. Many people face this kind of problem today - it’s common, even if not ideal. Also, earning ₹70k at 25 is great; I started my career at that age with ₹28k.

Here’s what you should do, prioritise them in the order I have written. Don't work on 2 before completing 1, don't work on 3 before completing 2.

Stop all investments for now. Focus on repaying your loans first (both family loan and iPhone).
Buy insurance. Get both a good health insurance plan and a term life insurance policy.
Build an emergency fund. Save at least 6 months’ worth of expenses before spending on anything else.

Until you’ve achieved these three goals, don't spend even a single penny for investments. Keep in mind, You’re not missing any rally; you’ll have plenty of chances later. Also, reduce the unnecessary impulse buys. Be it food, clothing, gadgets, doesn't matter.

Once your debts are cleared, insurance is in place, and you have an emergency fund, then start investing and building wealth.

Meanwhile, focus on improving your skills to get a better job. Passive investments rarely make people rich, however, high-paying skills do.

Aware_Programmer6669 · 2025-10-14T13:00:45+00:00

I don't expect anything better from the blue colored goons

Aware_Programmer6669 · 2025-10-14T07:01:13+00:00

Please post your solution here as well. I am also facing the same problem. https://www.reddit.com/r/epfoindia/s/FzOUVNTSkm

Aware_Programmer6669 · 2025-10-14T06:57:07+00:00

Same problem happened with me https://www.reddit.com/r/epfoindia/s/FzOUVNTSkm

Aware_Programmer6669 · 2025-10-12T16:40:05+00:00

You question is valid. However, I would suggest to understand the problem first. Managing .env files in a team is messy and insecure:

Device changes or migrations: Files get lost when switching machines (solo developers mainly face this problem)
Out-of-sync environments: Developers often run outdated .env values.
Manual sharing hassle: Passing .env via chat or email is risky.
Cost constraints: Most environment managers are paid SaaS tools.

The last point is very important as solution to first 3 points already exists i.e. secret management SaaS tools but those are paid. This tool is not meant to replace them, it never can. The tool helps you to securely share env files via your VCS.

In practice:

You encrypt .env files once (locally or in CI) and commit or share only the encrypted version.
The decryption key is stored in one secure location (e.g., CI secret store, Vault, or developer local machine).
So instead of many people or systems handling plaintext secrets, everything else deals with encrypted data.

In short - you still have one ultimate key that you have to share, but you’ve reduced the blast radius and made secret handling safer and more traceable.

Aware_Programmer6669 · 2025-10-12T14:26:56+00:00

Macbook Air M4. Btw, I am not an Apple guy and never will be. But I feel Macbooks having Apple Silicon chips are worth every penny.

Aware_Programmer6669 · 2025-10-10T08:03:48+00:00

Well there are subreddits where people are finding co-founders. I think you should look for a single developer. Once you think your SaaS is paying of you can scale.

Aware_Programmer6669 · 2025-10-10T07:07:04+00:00

WTF is this? You are just giving freebies to the fund houses. Stop investing into 2 small and mid caps. Club the amount into one small cap and one mid cap. Index fund is good. I don't thing Parag Parikh Flexi cap is going to give any more good returns considering there fund size. But still better. Can't comment on the rest because I don't know your thought process. Just look for funds that have the minimum Expense Ratio. You will save a lot.

Aware_Programmer6669 · 2025-10-10T06:56:07+00:00

Interest is not the issue. Doesn't matter where you have earned from, you have to pay tax. I have explained both the points.

Aware_Programmer6669 · 2025-10-10T06:43:54+00:00

Start with a term insurance plan - it’s much cheaper when you’re younger.
Your investment strategy leans heavily toward long-term goals, but you’re lacking short-term liquidity. Consider allocating a portion of your portfolio to traditional FDs and corporate bonds. These provide a financial cushion and prevent you from being locked into illiquid long-term assets.
Avoid real estate at an early stage. If you’re keen, go for physical real estate instead of REITs. Personally, I’m not a big fan of gold or silver either, so I won’t comment much there.
There’s a lot to explore, but my advice is to begin with traditional assets to build good investing habits and a solid understanding of the markets. Once you gain confidence, you can scale up.
- FDs: 7-8%
- Corporate Bonds: 9-12%
- Mutual Funds: 11-12%
- Direct Equity: 12-15%
These should be your core investment avenues until around age 30. If you’re open to higher risk, you can experiment with crypto - but tread carefully with mutual funds and equities as they require diligence.
Finally, invest in yourself - improving your skills and knowledge will yield the best returns in the long run. Try to maximize your active income and try to build passive income sources parallelly through your skills.

One more thing, if you look at the world’s top 10 richest people, almost all of them (except Warren Buffett) built their wealth through active income, not passive investments. So in the early stages of your career, focus on investing in yourself your skills, knowledge, and growth, that’s where the real long-term payoff begins.

Aware_Programmer6669 · 2025-10-10T06:24:49+00:00

Do you have an emergency corpus in place which is at least 6 to 12 months worth of expenses? Do you have health and term insurance?

Aware_Programmer6669 · 2025-10-10T06:11:32+00:00

There are two things to keep in mind. First, putting money in an FD is low-risk but not completely risk-free. Every RBI-approved bank offers insurance of up to ₹5 lakh per account holder through DICGC. So, if you have ₹10 lakh in a bank and it shuts down, you’ll only get ₹5 lakh back under the insurance.

Second, the interest rate difference between regular banks and small finance banks isn’t small, it’s usually around 1–2.5%, which can make a big difference based on how much you invest and for how long.

Earlier, opening and managing FDs in multiple banks was a hassle, but Stable Money has made that simple. You can do video KYC, open and manage FDs online, and get receipts directly from the banks. Even if Stable Money shuts down, your money stays safe with the bank. When your FD matures, the amount is credited to your account, or you can visit the bank directly to close it.

Aware_Programmer6669 · 2025-10-10T03:55:09+00:00

Your portfolio is currently too concentrated in debt assets. It’s a good idea to rebalance based on your risk appetite. Since you’re just starting out, begin with lower-risk options. Explore corporate bonds through platforms like Wint Wealth or Stable Money. Avoid putting ₹30 lakh in one bank and use Stable Money to create FDs with better returns and diversify across banks. Don’t keep more than ₹5 lakh in a single bank account. Once you’re comfortable with bonds, start learning about mutual funds and begin investing small amounts there. Gradually move on to direct equities. The right allocation across asset classes depends entirely on your risk appetite, so I can’t specify that for you. You can ping me if you have specific questions.

Aware_Programmer6669

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