Provident Fund Not Received: How Can I Track and Reapply from a Different City?

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 this information? I am in Surat (Gujarat) now and want to know if I can inquire and apply again for the Provident Fund here. Please help.

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 this information? I am in Surat (Gujarat) now and want to know if I can inquire and reapply for the Provident Fund here. Please help.

Provident Fund Withdrawal or Transfer

What do you want to do? If you want to withdraw, apply using Form 19 and 10C. These forms can be downloaded from epfindia.nic.in. If you are currently employed, simply fill out Form 13 (download from epfindia.nic.in) and submit it to your present employer's HR department in three copies. Ensure you also transfer the previous employer's PF accumulations to your present employment's PF account – this is highly advisable.

Thank you for the update provided above. I have a quick question: Can I fill out Form 19 in Surat since I currently reside here, even though I was previously working in Bangalore?

Yes, you can send your claim in Form 19 along with:

- a xerox copy of the first page of the passbook of your savings bank account to confirm your bank account number.
- You can get attestation in the place of the employer on page 2 of the form from the manager of the bank where you have a savings bank account.
- You can mention your present address as the address for communication in the relevant place.
- You can send the forms after duly filling them in, getting them 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 Road Surat-395001, Gujarat.

Under The Provident Funds Act, 1925

The provident fund is a compulsory, government-managed retirement savings scheme. Both the employee and employer contribute to the employer’s provident fund as per pre-defined contribution levels. The fund continues to grow until the 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 an interest rate levied at only one percent during emergencies. The loan must be repaid within 36 months of disbursal.

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.