PF Withdraw For 3 Months Off Roll Duration

Hello Everyone,

I am Seema. I have worked as an off-roll employee in my current organization for 3 months. After that, I continued my job as an on-roll employee. However, to date, I am facing problems with my PF withdrawal for the off-roll period of 3 months. My employers are saying that I am not eligible to withdraw it since I worked only for 3 months as an off-roll employee. I can only withdraw my 3 months PF if I have worked more than 3 months in the organization.

Please guide me on what I can do to withdraw my 3 months PF amount.

Regards,
Seema Vishwakarma
HR Executive

Yes, you will receive the PF contribution only. The pension amount will be given if you contribute for 6 months only. Seema, you are eligible to claim PF.
From: Jignesh Vasava

Seema,

You cannot withdraw your EPF (&EPS) because you are still in the same establishment, and there is no definition of off-roll employee and on-roll employee. So if the establishment is the same, then the EPF number given to you would also be the same as before. If they are saying that you are not eligible for EPF, then they are talking nonsense.

Stay Cool,
Atom

And you cannot withdraw your PF currently because PF withdrawal is possible only after resigning after 2 months.

Dear Sir,

I have one more question as I have been working in the same organization for the past 3 years on company payroll. However, for the initial 3 months, I worked on a third-party roll for the same current organization. Am I eligible to withdraw my PF now? Also, why am I unable to withdraw any pension, and what about the employer contribution for the same?

Let's suppose my basic salary is 12 thousand per month. How much amount will I receive for PF withdrawal for the 3-month duration? Kindly assist me with this.

Regards

Also, please let me know about the percentage amount of PF and Pension contribution for the same.

Regards,
Seema

Your basic salary is 12000/-.
12% + difference (PF - Pension) = Your total PF fund.

In your PF fund = 4320/- + 2697/- = 7017/-.
In your pension fund = 1623/-.

Dear Seema,

Please tell me about the third party. Did you work on a contract for 3 months?

Dear Jignesh,

Thank you for the information, but could you please provide a more detailed explanation of the calculation of the figures?

Regards

Seema,

EPF (& EPS) deduction less than 6 months. The amount of EPF will be refunded to you, and EPS will be forfeited. So do not try to withdraw when your service is less than 6 months.

EPF is 12% from the employee + 3.67% from the employer EPS is 8.33% from the employer only. Now if the salary is Rs. 12000, then EPF 12% = 1440 + 3.67% = 440 + 459 = 2339 (459 from EPS share, the reason being EPS has a ceiling of Rs. 6500, i.e., 6500*8.33% = Rs. 541) & EPS 8.33% = 541 (the excess amount is adjusted in EPF 3.67% share).

To your question about the amount of EPF for 3 months: 2339 * 3 = 7017 & EPS 541 * 3 = 1623.

Note: In everything above, if the employer implemented a ceiling of Rs. 6500 (basic), then even though you are getting a basic Rs. 12000, the employer is not bound to pay EPF up to Rs. 12000. He can restrict his share to Rs. 6500, i.e., 6500 * 12% = 780 not 12000 * 12% = 1440.

I hope you understood.

Stay Cool, Atom

Basic salary PF contribution: 12000*12% = 1440, 1440*3 = 4320
Pension limit: 6500*8.33% = 541, 541*3 = 1623
Difference PF-pension: 1440-541 = 899, 899*3 = 2697
Pension amount will be given if you contribute for 6 months only.

Dear sir,
In that calculation, I understood the pf percentage of 12% of 4320/- and EPS amount of Rs. 1623/-, but I do not understand the Rs. 2697/- component. Could you please provide me with the details of the calculation for it?
Advance Thanks.

Dear Seema,

As per PF rules, if an employee's service is less than six months, then he/she can withdraw only the EPF share, and the FPF amount cannot be withdrawn. The FPF amount can be transferred to your PF account.

With regards,
Karan Chaudhary

Dear Seema,

Greetings for the day.

I agree with jcvasava that EPF accumulation can be withdrawn by simply filling out Form 19 and getting it attested by the employer. If the employer is not willing to sign the form, you can get it attested by your bank manager or a gazetted officer. Submit the form to the concerned EPFO along with a letter complaining about the employer not signing the EPF withdrawal claim. EPFO will promptly address your complaint by sending someone from their team to facilitate the employer's signature. To access EPS accumulation, a minimum service/contribution of 180 days is mandatory.

Thanks & Regards,

Sumit Kumar Saxena

Hi Seema,

You can withdraw your EPF, not EPS. (For EPS, contributions should be more than 6 months.)

Regards,

Tapas