Troubleshooting PF Transfer Rejections: Insights from Field Office Denials

TrackMyPF by Finnable, Download for Smarter PF Management

The Employees’ Provident Fund (EPF) transfer process streamlines your provident fund contributions when you switch jobs. However, sometimes, your transfer request might get rejected by the field office, leaving you confused and frustrated. This blog delves into the reasons behind these rejections based on insights from field office denials, helping you navigate a smooth PF transfer.

Understanding PF Transfer Rejections

A smooth PF transfer ensures continuity in your retirement savings. But what happens when your transfer request gets rejected by the field office? Unlike online rejections with automated error messages, field office denials can be more cryptic. Here, we explore some common reasons, based on field office observations:

Mismatched Information: Discrepancies between the information you provide on the transfer claim form (Form 13) and the EPFO records are a major cause for rejection. This includes:

  • UAN Mismatch: Ensure your UAN on the form matches your EPFO records. 
  • Employer Details: Verify the previous and new employer details (name, establishment code) are accurate and complete. 
  • Bank Account Details: Double-check your bank account information (account number, IFSC code, branch name) for any typos.

Incomplete Documentation: Missing or incomplete documentation can also lead to rejection.  Make sure you submit all required documents with your claim form, such as:

  • Duly filled Form 13
  • Scanned copy of your PAN card
  • Cancelled cheque, bank passbook or bank account statement reflecting your IFSC code

Non-Approval by Previous Employer:  In some cases, your previous employer needs to approve the transfer request on their EPFO portal. If they haven’t done so, the field office might reject the transfer.

Technical Glitches: While less common, technical issues on the EPFO portal can sometimes lead to discrepancies and cause rejections. 

Troubleshooting Tips to Avoid Field Office Rejections:

Now that you understand the reasons behind rejections, here’s how to avoid them:

  1. Scrutinize Your Information: Before submitting your claim form, meticulously review all information for accuracy. Use the EPFO member portal to verify your UAN and employer details. Double-check your bank account details to eliminate typos.
  2. Gather Complete Documentation: Ensure you have all the required documents readily available before initiating the transfer process. Refer to the EPFO website for the latest list of required documents. 
  3. Communicate with Your Previous Employer: If your previous employer needs to approve the transfer, ensure clear communication.  Inform them about your transfer request and follow up to confirm their approval.
  4. Save Copies: Maintain copies of all submitted documents, including the completed claim form and scanned documents, for your records.
  5. Track Your Status: Regularly check the status of your transfer request by logging into your EPFO member portal. This allows you to identify any issues promptly.

What to Do if Your Transfer Gets Rejected by the Field Office:

If your transfer request gets rejected, don’t panic. Here’s how to address it:

  1. Review the Rejection Reason: The EPFO portal or communication from the field office should provide a reason for the rejection.  Carefully analyze the reason to identify the specific issue.
  2. Gather Missing Information/Documents: If the reason points towards missing information or documents, rectify the issue and resubmit the claim form with the necessary documents.
  3. Contact Your Employer: If the issue involves employer approval, reach out to your previous employer’s HR department to understand the reason for non-approval and seek their assistance.
  4. Contact the EPFO Helpdesk:  If the reason for rejection remains unclear or the issue persists,  you can contact the EPFO’s grievance redressal mechanism through their online portal or by calling their helpline number.

Here’s how to find out more about the reason for rejection:

Track Claim Status: This option on the EPFO website allows you to see the claim status and might mention a generic reason like “Incomplete documents” or “Discrepancy in details”.

Download Claim Form (Form 19/10C): This downloaded form may have a section with a rejection code that you can use to decipher the specific reason for rejection by referring to EPFO guidelines for a more detailed explanation.

Additional Tips:

  • Activate Your UAN: An active UAN simplifies EPF-related processes. If you haven’t already, activate your UAN by following the instructions on the EPFO website.
  • Link Your Aadhaar: Linking your Aadhaar to your UAN streamlines various EPF services and can expedite the transfer process.
  • Consider Online Assistance: The EPFO website offers various online resources and FAQs to help you understand the transfer process. 

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Facing EPF transfer rejections from field offices can create significant hurdles for employees striving for seamless job transitions. However, by delving into the common causes behind these rejections and taking proactive steps to resolve them, employees can effectively troubleshoot transfer issues. Ensuring the accuracy of documentation, swiftly resolving any disputes, and adhering to EPF guidelines are key strategies in this regard. By adopting a proactive approach and staying compliant, employees can navigate the transfer process smoothly, safeguarding their hard-earned retirement savings in the process.


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Amit Arora

I am a seasoned retail banker with over 21 years of global experience across business, risk and digital. In my last assignment as Global Head Digital Capabilities, I drove the largest change initiative in the bank to deliver the end-to-end digital program with over US$1 billion in planned investment. Prior to that, as COO for Group Retail Products & Digital, I implemented a risk management framework for retail banking across the group.
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