K K Bhatia
+1 Other

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Regading Pf withdrawal I have a querry
I retired in Novembber 2014 .I have not withdrawn neither pension nor the PF amount till date.
I intend to withdraw it in October 2017 i,e 3 years(when I need this money) after retirement & after ceasing to be contributing to the PF fund.
My question is whether I can apply after 3 years with no hassels or problems& Is it allowed under the PF rules.Will my PF a/c be treated as an active account for 3 years after retirement.What about the pension will I get it after 3 years retrospectively without hassels.
I want your suggestion in this regard to enable me proceed ahead as this is my lifelong saving.

Regading Pf Withdrawal I Have A Querry
I Retired In Novembber 2014 .I have Neither withdrawn Pension Nor The PF Amount Till Date.
I Intend To Withdraw It In October 2017 i,e 3 Years(When I need this Money) After Retirement I am not contributing to the pf account any more.
My Question Is: Whether I can Apply after 3 Years With no hassels Or Problems & Is It allowed Under The PF Rules.Will My PF A/C Be Treated As An Active Account For 3 Years After Retirement & interest paid full during all these years. Further what about the Pension Will I Get It After 3 Years Retrospectively Without hassels.
I Want Your Suggestion in this regard To enable Me Proceed ahead as this Is My Lifelong Saving & I can not afford to take any risk.
Looking for Valuable suggestions in this regard.
Thanks in advance

Dear Sir,
This is with reference to your query, please note...
You can apply for PF withdrawal after three years. But, along with submission documents you need to produced one declaration certificate, stating that during the period you was not employee in any organisation, neither the part of EPF membership.
And, about your EPS [Pension] query...
You will be eligible for EPS benefits from 1st Oct'2014 and the unpaid amount of your pension you will be paid as arrears.
But Sir, my personal suggestion is to you, don't wait for three years, please withdraw your PF and start availing pension benefits.
For more information or any further assistance you can call me on below given no.
Ubaid Raheman.

REGARDING pf withdrawal, you can draw it even after 3 years but interst accruval wii stop after 3 years. regarding pension you have to justify delay factor properly,because it will be 5 years delay as it starts at the complition of 58 years of age.
Interest on dormant Of accounts will continue even after 3 years. The authorities had issued notification to that effect, but it was withdrawn later.
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