EPF claim rejection? Learn common mistakes, like incorrect information or claiming more than your balance. Follow these tips to avoid rejections and get your EPF claim approved easily.
EPF Claim Rejected? Common Mistakes You Might Be Making
EPF (Employee Provident Fund) is one of the most important financial safety net for the salaried class. 12% of your basic salary EPF account, you get deducted monthly and pf for retirement taken care when you save. Indeed, there exist some circumstances in which you will be permitted to withdraw this money before you retire. But alas, claims sometimes rejected. Why? Here are some of the common mistakes and how to avoid them.
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What Is EPF and How Does It Work?
EPF, which saves employees for their retirement by taking a certain % of their basic salary and contributing via EPF. EPFO (Employees’ Provident Fund Organisation) takes care of the money which is later usually disbursing this amount when you retire (or at the age of 60). The exceptions exist they must be valid and in case of emergencies (medical or home purchase, etc).
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Why Do EPF Claims Get Rejected?
1. Providing Incorrect Information
The most frequently rejected claims are those that have wrong information attached to it. Double check all your details while applying for EPF withdrawal. Anything can make your claim get rejected, be it wrong. Always be certain to verify all important details like name, account no. with EPFO.
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2. Claiming More Than Your Balance
Common mistake -Providing more than available in your EPF account. That you can use EPFO a few SMS alerts to check your balance regularly, but many forget the fact and make a claim then. You will be declined if you withdraw more than what there inchis. Make sure you verify your balance.
3. Exceeding Withdrawal Limits
Withdraws limits to EPF are different according to the reason for withdrawal. Say when there is an emergency and you need to withdraw all the money as in buying a house or for some medical reasons you cannot withdraw the entire part. There are limits on withdrawal of your hard earned money. If you go beyond these limits the claim will not be accepted. Read the rules before you even think about requesting a withdrawal.
How to Avoid EPF Claim Rejection?
To avoid rejection, always ensure that:
Your information is accurate.
You’re only claiming the available balance.
Your claim doesn’t exceed the withdrawal limits.
Final Thoughts:
Your EPF claim got rejected, do not worry. Commonly due to the one of these easy mistakes. Keep an eye on the smalls, follow your balance and this, should not happen to you. EPF is there to help you but like any service, in the finance sector, You must play fair.