EPFO: Non-Aadhaar, non-PAN users to provide more information, pay extra TDS while claiming PF money

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Updated: February 22, 2017 7:47 PM

Everybody wants to get back every paisa of the retirement money which one saves during one's employment. But by not following certain rules and regulations, you may loose a part of your hard-earned money. Moreover, you may also have to provide more proofs for claiming the amount, which might delay the payment.

EPFO, PF, Money, PAN Aadhaar numberEven those who are having the Aadhaar card must get it linked to their bank account in order to enjoy the seamless process of PF withdrawal.

Everybody wants to get back every penny of one’s retirement money. However, by not adhering to certain rules and regulations, you may lose a part of your hard-earned money. Moreover, you may also have to provide more proof for claiming that amount, which may get the payment delayed. As per the new rules of EPFO, any person who does not hold an Aadhaar card needs to provide extra information while claiming his PF amount through the newly-introduced one page Composite Claim Form.

Even those who have an Aadhaar card must get it linked to their bank accounts in order to enjoy the hassle-free withdrawal of the PF amount. Moreover, one should also get one’s PAN card made if one doesn’t have it, because if you do not do so, you may be liable to pay a heavy penalty while claiming your PF money.

Here are some extra things which you need to mention in your non–Aadhaar Composite Claim Form:

PF account number: Most of the people do not have the Universal Account Number (UAN) with them. UAN readily captures the KYC details of its member in order to eliminate the dependency on the employer and enhances the service quality. This way it helps you to view your accumulated PF funds under one platform.

In case you do not have the UAN number, you will need to provide your PF number to the EPFO by mentioning the details in the Composite Claim Form.

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Aadhaar number (for seeding):
For EPFO subscribers, who are yet to seed Aadhaar and bank details with their UAN, the new Composite Claim Form (Non-Aadhar) replaces the existing Forms No 19, 10C & 31. The new single page Composite Claim Form (Non-Aadhaar) can be submitted by getting it attested by the employers.

Date of Birth:
Date of birth is always mentioned on an Aadhaar or PAN card. However, if you do not have an Aadhaar or PAN card, then in such a case you need to mention your date of birth in the Composite Claim Form (Non-Aadhaar).

Father’s/ Husband’s Name:
You need to provide the detailed name of your father or husband. You also need to certify that the particulars provided by you are true to your knowledge.

Bank account details for payment:
Non-Aadhaar card holders need to carry a canceled cheque. If they do not have the same, they can get the copy of the first page of their bank passbook. The bank account details should be clearly mentioned on the first page of the passbook.

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TDS implication while submitting the claim form
While making a claim through the new form, having a Permanent Account Number is a must. Otherwise you will have to pay a heavy penalty. For instance, TDS will get deducted by EPFO if your services are less than 5 years. If you have a PAN card, then TDS will get deducted at 10 per cent. In case PAN is not submitted, then TDS @34.608% will get deducted. However, no TDS will be deducted in case the total balance in your PF account is less than Rs 50000.

These rules are applicable to both the forms, whether you are filling the Aadhaar-based or Non-Aadhaar based Composite Claim Form.

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