PF in a Company Trust (Exempted Establishment): What Differs
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Some large employers have an exempted PF trust: they keep and invest your PF themselves under EPFO's supervision. Your UAN still works, but the EPFO passbook won't show the balance; the trust gives you a statement. Withdrawals go through the trust; the pension (EPS) part still sits with EPFO.
What is different
| Task | Exempted trust |
|---|---|
| See balance | Trust's statement or HR portal |
| Withdraw PF | Apply to the trust (often through HR) |
| Pension | Claim from EPFO as usual |
| Transfer to a new job | Request online; the trust sends the money to EPFO or the new trust |
| Complaint | Trust first, then EPFiGMS to EPFO |
Moving jobs
- Online transfer request with your UAN
- Old trust approves and sends funds
- New account credited
Delays usually come from the trust's side. Write to the trust; if nothing moves, raise a grievance on EPFiGMS.
Frequently asked questions
Is my money safe in a company trust?
Exempted trusts are licensed and supervised by EPFO and must give at least the EPF interest rate. The pension (EPS) part is still deposited with EPFO.
Can I still use my UAN?
Yes. Your UAN stays; the trust is linked to it as your employer.
Sources
- EPFO: exempted establishments, accessed 5 Nov 2026.
- PIB: AMNESTY provisions for PF trusts in the EPF Scheme 2026.