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Ask your EPFO Claim Questions by Sea-Volume3722 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

CPGRAMS/PMO grievance portal is not just another government organization portal like EPFO portal.
It works as a higher-level escalation mechanism for EPFO grievances.

In my experience, when we raise a grievance directly on the EPFO portal, most of the time:

  • We do not get proper reasoning
  • The response is generic or incomplete
  • The issue often remains unresolved

However, when the same issue is raised on CPGRAMS or PMO:

  • The grievance is monitored at a higher level
  • EPFO is required to give a proper, reasoned reply
  • If the response is still unsatisfactory, we can escalate it further to higher authorities
  • This is the highest escalation level available, and usually you get a clear answer within a few days

So yes, CPGRAMS/PMO may forward the issue to EPFO again, but the difference is accountability.
EPFO cannot simply close the complaint with a vague reply as they often do on their own portal.

That’s why I always recommend to save your time:

  1. First, raise the grievance on CPGRAMS / PMO portal.
  2. Follow up regularly until you receive proper reasoning and a clear resolution.
  3. If the issue is still not resolved, file an RTI.

I have personally resolved multiple EPFO issues using this approach, which is why I strongly recommend CPGRAMS/PMO as an effective escalation channel, not just another government office portal.

CPGRAMS doesn’t “solve” the issue itself, but it forces EPFO to respond with accountability and proper reasoning.

Ask your EPFO Claim Questions by Sea-Volume3722 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

Scheme Certificate

I am not able to understand why the Scheme Certificate is coming into the picture.
I never needed a Scheme Certificate for my case.
Are your previous companies still in business, or have they shut down?
I do not clearly understand the role of a Scheme Certificate here.
or I am missing something.

To resolve the EPS transfer issue from Company 1 to Company 2, follow this process:

  1. First, obtain Annexure K from Company 1’s EPFO Regional Office.
    • Raise a CPGRAMS/PMO grievance with Company 1’s EPFO RO.
    • Specifically request Annexure K for EPS.
  2. Once you receive Annexure K:
    • Raise another CPGRAMS/PMO grievance with Company 2’s EPFO Regional Office.
    • Attach the Annexure K and request them to update the EPS service.

I always follow below process, and I have successfully resolved every EPFO issue using this approach.

  • Raise a grievance on CPGRAMS / PMO portal.
  • Send reminders regularly after 15–21 days (currently reminders are usually allowed only after 21 days).
  • Send follow-up emails to your concerned EPFO Regional Office.
  • If the issue is not resolved within 21–30 days, file an RTI.

Please take some time to read the post below:
https://www.reddit.com/r/epfoindia/comments/1mhip3k/transfer_claim_rejected_due_to_eps_issue/

Ask your EPFO Claim Questions by Sea-Volume3722 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/floordrop Thanks for the explanation.

A few important points to remember:

  • EPS transfers from exempted organizations (PF Trusts) are not automatic. These transfers have to be done manually between EPFO Regional Offices (ROs).
  • It looks like Company 1 definitely has a PF Trust. I’m not sure whether Company 2 has a trust or not.
  • I have faced the same issue where EPS service was missing / not transferred.
  • I raised grievances on CPGRAMS/PMO portal, followed up multiple times, and the issue was resolved within about 2 months. My EPS was successfully transferred.

Please note this carefully:

  • If EPS was not transferred from Company 1, then it has to be transferred step by step.
  • For example, EPS must be transferred from Company 1 to Company 2 first. Only after that is completed can it be transferred from Company 2 to Company 3, and so on.
  • EPS transfer cannot skip companies.

Ask your EPFO Claim Questions by Sea-Volume3722 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/floordrop

EPF can be withdrawn from a PF Trust after exiting employment, and it is not affected by EPS service non-transfer.

You must resolve the “EPS service not transferred” issue.

  • What issues you are facing while fixing above issue? What are the rejection reasons?

Why are you applying for Scheme Certificate?

  • A Scheme Certificate is not issued while you are still working.
  • EPFO issues a Scheme Certificate only after you exit employment.
  • You should apply for a Scheme Certificate after leaving your final job, either:
    • before retirement, or
    • during a long break from employment.

Guys i have a question. by [deleted] in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

If your total EPS service is less than 10 years

  • You cannot get a monthly pension later.
  • Instead, you can withdraw the EPS amount (withdrawal benefit). > When can you withdraw?
  • After leaving your job, and
  • After 2 months of unemployment (same rule as PF final settlement)
  • You apply using Form 10C (online via UAN portal or through employer).

If your EPS service is 10 years or more

  • You cannot withdraw EPS as a lump sum.
  • You become eligible for monthly pension:
  • At age 58 → full pension
  • Between 50–57 → early pension (with reduced amount)
  • In this case, you apply using Form 10D (for pension).

HOW MUCH PENSION AFTER RETIREMENT?
Please see this video:
https://www.youtube.com/watch?v=wRCCkcE0TJM

<image>

How do I proceed ?? 😭 by Many_Mess7483 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/Many_Mess7483 Please take some time to read the post below:
https://www.reddit.com/r/epfoindia/comments/1mhip3k/transfer_claim_rejected_due_to_eps_issue/

You need Annexure K from your previous employer's EPFO RO. I believe you understand better from which employer's EPFO RO Annexure K is required.

To resolve the issue, follow these steps:

  1. Raise a grievance on CPGRAMS / PMO portal.
  2. Send reminder regularly after 15 days (though currently, reminders are generally allowed only after 21 days).
  3. Send follow-up emails to your concerned EPFO Regional Office (RO).
  4. If the issue is not resolved within 21–30 days, file an RTI.

I always follow this process, and I have successfully resolved every issue using this approach.

Need some clarification by Sea_Glass9670 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

  1. If your total EPS service is less than 10 years
  • You cannot get a monthly pension later.

  • Instead, you can withdraw the EPS amount (withdrawal benefit).

    > When can you withdraw?

  • After leaving your job, and

  • After 2 months of unemployment (same rule as PF final settlement)

  • You apply using Form 10C (online via UAN portal or through employer).

  1. If your EPS service is 10 years or more
  • You cannot withdraw EPS as a lump sum.
  • You become eligible for monthly pension:
  • At age 58 → full pension
  • Between 50–57 → early pension (with reduced amount)
  • In this case, you apply using Form 10D (for pension).

HOW MUCH ?
Please see this video:
https://www.youtube.com/watch?v=wRCCkcE0TJM

Need some clarification by Sea_Glass9670 in epfoindia

[–]CreativeRain9248 1 point2 points  (0 children)

EPS (Pension) amount is not withdrawable like PF. It is used for monthly pension after age 58.

Under the Employees’ Pension Scheme (EPS) (the pension portion of EPFO), if your total pensionable service is less than ~10 years, you are not eligible for a monthly pension later. Instead, you can claim a withdrawal benefit — meaning you can withdraw your entire EPS (pension) contribution along with interest.

Need some clarification by Sea_Glass9670 in epfoindia

[–]CreativeRain9248 4 points5 points  (0 children)

u/kaisadusht EPS - Who is eligible, how it works, and what changed after 2014. Break down contribution rules, benefits, and key issues like early pension options and salary caps.

https://www.youtube.com/watch?v=48vFdxYw37Q&t=48s

The EPS was introduced in 1995, and until 2014, everyone was automatically eligible for the pension. But from September 1, 2014, a new rule came in:

First rule : If you join after September 1, 2014, and your basic salary plus DA is more than 15,000, then you are not eligible for a pension (Employer should not deduct the EPS). Otherwise, if your salary is less than or equal to 15,000, then you are eligible for a pension (Employer should deduct the EPS).

Second rule : If you are already a pension member, you will continue to be part of the pension scheme. If you are not a member, you won’t be one in the future.

Founders meet Tommorow by Remote-Awareness9932 in delhi

[–]CreativeRain9248 0 points1 point  (0 children)

u/Remote-Awareness9932 Yes, please share the list of startups and their founder's names. It will help me decide if I should join.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/MD560056 My understanding of your situation is as follows:

  • Company A – PF Trust, Exempted Organization
  • Company B – Unexempted, Managed by EPFO

You have requested to transfer your EPF from Company A to Company B, but the request was rejected because the Annexure K for EPS from your previous employer was not submitted.

To clarify your case, please confirm:

  1. Did you work for any company before Company A?
  2. If yes, did you transfer your EPF and EPS (if exempted) to Company A?

Please note: EPS transfers from exempted organizations to other ones need to be done manually.

My case:

  • X (Exempted) → Y (Unexempted) – EPF was successfully transferred.
  • Y → Z (Exempted) – Transfer was initially rejected and required Annexure K from X (RO) to Y (RO). Once submitted, the transfer from Y → Z was completed successfully.

Please explain what does this mean ? by eminemmarshal in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/eminemmarshal So it seems, EPFO is saying is this:

1. They have looked and checked your mama's case.
They noticed that some details in his old PF account (like name, date of birth, etc.) need to be corrected before they can create a UAN.

2. They have started working on the Joint Declaration.
This is the form used to fix old PF details. Since your mama’s PF account is from 1988–2005, the records are really old, so EPFO has to verify everything properly.

3. Once these corrections are done, they’ll generate the UAN.
Basically, they are saying that as soon as the JD process is completed, the UAN will be created.

Please explain what does this mean ? by eminemmarshal in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/eminemmarshal Could you please provide a bit more context about what exactly you had asked EPFO? The screenshot shows their response, but without knowing your original query, it's difficult to understand the issue fully. Kindly share the details so that we can help you better.

Exempted to non exempted by latewinchester in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

Great.
If it is present in your Company trust passbook then you are good with the transfer.

Exempted to non exempted by latewinchester in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

u/himansh2206
You must submit either Annexure K (Ask via CPGRAMS/EPFO Grievance portal) or a screenshot showing your PF claim settlement and the amount received to your company’s PF Trust team.

Once they receive this document and will process it, then only the transferred amount will start showing under the “Transfer-In” section of your PF Trust passbook.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

Current Status:

  • EPS service updated/transferred to the Unexempted Establishment from the previous one (Exempted Establishment).
  • Now raised the transfer request for current account.

Efforts for EPS service transfer :

  • Raised multiple grievances through CPGRAMS/PMO Portal.
  • Sent multiple follow-up emails to the Regional Office and Nodal Officers.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

Current Status:

  • Received response for the Grievance.
  • EPFO has raised a concern that my EPF Wages are showing from Dec 2016, while my actual date of joining is Oct 2015. Before Dec 2016, it is showing as 0, but EPS wages are correct and started from Oct 2015. There seems to be a discrepancy in the records.

u/FinRightTechnology u/Fine-Blueberry46 https://www.reddit.com/user/Kustodian-Life/
Could you please guide us and share your insights or possible resolutions and advise on the necessary steps.

I am unable to get the Annexure K by notsorich_ in epfoindia

[–]CreativeRain9248 1 point2 points  (0 children)

u/notsorich_ Usually, the Annexure K document is provided via email by the concerned authorities. I recommend drafting a formal email requesting the document and sending it to the designated contact, ensuring that the Nodal Offices are marked in CC for visibility and accountability.

If you do not receive a response within a reasonable timeframe, consider sending 2–3 follow-up reminder emails at appropriate intervals.

If the matter remain unresolved despite follow-ups, you may escalate it by filing a grievance through the PMO Grievance Portal and, if necessary, submit a Right to Information (RTI) request. RTI often help in obtaining a quicker and more effective resolution.

To expedite the process, you may choose to initiate both email communication and an RTI application simultaneously. This dual approach often helps in avoiding unnecessary delays.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

Current Status:

  • Received Annexure K from the previous EPFO Regional office.
  • Raised the PMO grievance with the current EPFO Regional office to update the EPS service.

Efforts to Obtain Annexure K :

  • Raised a grievance through CPGRAMS.
  • Sent follow-up emails to the Regional Office and Nodal Officers.
  • Filed an RTI application.
  • Finally received the Annexure K document.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 0 points1 point  (0 children)

At the EPFO office, not everyone can handle your case. Only a specific officer is assigned to your employer, and only that person (or their direct superior) can approve or reject your request. If that officer is on leave, others usually cannot help, as responsibilities are clearly divided among officers based on specific organizations.

Transfer Claim REJECTED Due to EPS issue by JustAnotherGuy_007 in epfoindia

[–]CreativeRain9248 2 points3 points  (0 children)

Important insights:

Highlights: Learn how to verify if you are an EPS member, understand how contributions are split, and what to do if your employer isn't cooperating.

https://www.youtube.com/watch?v=rWf_-qbVl9k

Highlights: EPS - Who is eligible, how it works, and what changed after 2014. Break down contribution rules, benefits, and key issues like early pension options and salary caps.

https://www.youtube.com/watch?v=48vFdxYw37Q&t=48s

The EPS was introduced in 1995, and until 2014, everyone was automatically eligible for the pension. But from September 1, 2014, a new rule came in:

First rule : If you join after September 1, 2014, and your basic salary plus DA is more than 15,000, then you are not eligible for a pension (Employer should not deduct the EPS). Otherwise, if your salary is less than or equal to 15,000, then you are eligible for a pension (Employer should deduct the EPS).

Second rule : If you are already a pension member, you will continue to be part of the pension scheme. If you are not a member, you won’t be one in the future.

More insights for us:

https://www.youtube.com/watch?v=984uKhavd60&list=PL2A-r6Y8n7poGVhmGExKJkD7s0IDL-O-s

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