Hi, I was working with Infosys BPO in Bangalore a few years ago.... I have not received the sum of my Provident fund in my account, How do I track information? I am in Surat (Gujarat) now and want to know if I can enquire and apply again for the provident fund here. Please help
From India, Pune
P Ramachandran
Hr & Administrative Manager
Content Marketing Strategist
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p ramachandran

What do you want to do?
If you want to withdraw apply in form 19 and 10C.
Forms can be downloaded from
If you are working just fill up form 13 (download from and submit to the present employer's hr department - in three copies and get the previous employer's pf accumulations to the present employments pf account - this is highly advisable.

From India, Madras
I am working in a firm and have to file my tax returns to reclaim the money that got deducted as part of rent allowance and investments..Please advise how I do that.I plan to continue here...I have no idea about all the procedures about filing tax returns...can a common person like me (debut attempt) without ANY knowledge get it done or do u recommend a CA...I would like to give it a try and learn ...what do u recommend?
From India, Mumbai
Thanks so much for the above update. Just wanted to know one more thing can I fill form 19 in surat as I am residing here now and I was working in Bangalore
From India, Pune
p ramachandran

Yes, you can send your claim i form19 alongwith copy of first page of pass book of your savings bank account to confim your bank account number. can get attestation in the place of employer in page 2 of the form - from the manager of bank wherein you are having savings bank account. can mention your present address as address for communication in the place concerned. can send the forms after duly filled in, attested and with enclosures by registered post to EMPLOYEES' PROVIDENT FUND ORGANISATION (Ministry of Labour, Government of India) "Bhavishya Nidhi Bhawan"
Ram Chowk, Ghod-Dod Raod
Surat-395001, Gujarat

From India, Madras

Under The Provident Funds Act, 1925, the provident fund is the compulsory, government-managed retirement savings scheme. Both employee and employer contribute to the employer’s provident fund as per pre-defined contribution levels. The fund continues to grow until the time employee decides to withdraw the amount. (which could be at the end of employment or at the time of retirement)

Upon retirement, resignation, or death, the amount contributed by the employee and employer along with the specified interest amount will be given to the employee.
Partial withdrawals are allowed for pre-defined expenses, including house construction, higher education, marriage, illness, etc.

Benefits of PF Account:
Loan against PF: An employee can take a loan against their PF account at the interest rate levied only one percent at the time of emergencies. Within 36 months of loan disbursal, the loan has to be repaid.
Free insurance: Under the EDLI scheme, in case of death during the period of employment, a PF account holder becomes eligible for free insurance up to Rs. 7 lakhs.

From India, Noida

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