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PF Claim Settled but Money Not Received: What to Check

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Check in this order
  2. Frequently asked questions
  3. Sources

After a claim shows settled, the money normally reaches your bank within a few working days. If it hasn't after about a week, check your bank statement for an NEFT credit from EPFO, then your bank KYC: a closed account, a changed IFSC after a bank merger or a name mismatch makes the bank return the payment. Fix the bank details and ask EPFO to re-send it through a grievance.

Check in this order

  1. Wait 5 working days after "settled"
  2. Check the bank statement for an EPFO NEFT credit
  3. Check the claim status for "returned" or "rejected by bank"
  4. Fix bank KYC if needed
  5. Grievance: EPFO re-credits the amount
YouEPFO
  1. Look in the bank statement for a credit described as EPFO, PF or NEFT around the settlement date. Open password-protected statements with our guide.
  2. Check that the amount is what you expected. A smaller amount may be after TDS or because only part was eligible.
  3. If nothing arrived, ask your bank whether a credit was returned, and why.
  4. Correct the account in bank KYC (check the IFSC on our IFSC finder).
  5. File a grievance on EPFiGMS with the claim reference, asking for the returned payment to be re-credited to the corrected account.

Frequently asked questions

How long after settlement does money reach the bank?

Usually within a few working days. Bank holidays and weekends can add a day or two.

The payment came back to EPFO. Will it be re-sent automatically?

Not always. Correct your bank details in KYC first, then raise a grievance asking EPFO to re-credit the returned amount.

Sources