Your EPF withdrawal or transfer claim can be checked online using your UAN at the EPFO member portal or the Umang app. A claim that has been “Under Process” or “Pending for Approval” for more than 10 working days is already late — EPFO's own citizen charter promises settlement in 7 to 20 days. If the portal is silent, an RTI application addressed to the PIO of the concerned EPFO Regional or Sub-Regional Office will force a written reply in 30 days under the RTI Act, 2005. Most delayed claims clear within one week of the RTI landing.

The Employees' Provident Fund Organisation (EPFO) pays out four kinds of claims: Form 19 (PF final settlement), Form 10C (pension withdrawal benefit), Form 10D (monthly pension) and Form 31 (partial withdrawal / advance). Every claim goes through three systems at the Regional PF Commissioner's office — dealing assistant, section supervisor, Regional PF Commissioner sign-off — before a CBSS payment is pushed to your bank account.

At any step the claim can get stuck for reasons the member never sees on the portal: mismatched UAN-Aadhaar-bank name, incorrect service period in the service history, a pending inspection of the employer, or simply a file sitting on a table. A timely RTI forces the office to pick up your file and write a reply.

1. Go to the Unified Member Portal: unifiedportal-mem.epfindia.gov.in.
2. Log in with your UAN (12 digits) and the password you set. If you have forgotten the password, use “Forgot Password” — OTP goes to your registered mobile.
3. Click Online Services → Track Claim Status. Every claim you have filed in the last 24 months will be listed.
4. The Status column shows one of: Claim Submitted, Under Process, Claim Approved, Payment Sent, Settled, Rejected, Returned.
5. If the status shows Rejected or Returned, the reason text below the row explains what to fix; re-submit the corrected form.
6. On Android/iOS, the same workflow is available in the Umang app (search “EPFO” → “Track Claim”).

SMS alternative: Send EPFOHO UAN ENG to 7738299899 from your registered mobile (ENG = English; use HIN, MAR, TAM etc. for language). A reply SMS lists your latest PF balance and last contribution. It does not show claim status directly.

• Under Process — file is with the dealing assistant, normal up to 10 working days.
• Pending for Approval — file is with the section supervisor or RPFC, normal up to 5 working days.
• Approved, Payment Under Process — CBSS is generating the payment file, usually cleared within 3 working days.
• Settled — money has been sent to your bank; if it has not reached in 3 days, contact your bank with the UTR from the payment receipt.
• Rejected — read the rejection reason, fix, and re-file. Rejections for “bank details mismatch” are the most common.
• Returned to Member — a document is missing; the portal lets you re-upload.

• Form 19 (final PF settlement): only after you have left employment AND two months have passed, OR on retirement, OR in case of permanent migration abroad, OR death.
• Form 10C (pension withdrawal): service less than 10 years AND you have left employment.
• Form 10D (monthly pension): 10+ years of membership AND age 58 (or 50 with reduced pension).
• Form 31 (advance): specific purposes — home purchase, marriage, illness, higher education, natural calamity — with limits defined in EPF Scheme 1952 paragraphs 68B to 68NNN.

Why it happens: The file is physically stuck on a desk at the RO, or the employer's inspection is pending, or your KYC has a mismatch that the system flagged but the dealer did not update the portal. What to do: File an RTI naming the claim reference number and ask for the exact date on which the file was received, the current dealing official, and the reason for delay. See the RTI template below.

Why it happens: The name on your EPFO record does not exactly match the bank account name, or the IFSC is outdated. What to do: Log in → Manage → KYC. Update PAN/Aadhaar/Bank — get it re-approved by your employer from their portal. Re-file the claim.

Why it happens: A past employer has not filed your service period with EPFO, so there is a gap. What to do: Raise a Date of Exit update request from the Unified Portal. If the past employer refuses to cooperate, file RTI to their concerned PF office asking for the employer's compliance status and inspection history.

Why it happens: UAN portal has known downtimes on last working day of the month and first week. OTP fails when mobile number in EPFO record is wrong. What to do: Try the Umang app instead. If OTP still fails, visit the nearest EPFO Regional Office with your Aadhaar and get the mobile number updated.

Why it happens: Members on 1 October 2017 onwards have a single UAN across jobs; transfer is supposed to be automatic if both employers contribute to the same UAN. Older accounts need a Form 13 transfer. What to do: File an online transfer request from the portal. If nothing moves in 30 days, RTI the employer's EPF office asking for the transfer application status.

The RTI Act, 2005 Section 7(1) obliges the Public Information Officer to reply within 30 days. If the claim involves a pensioner, bereaved family, or a medical emergency, the 48-hour rule under the proviso to Section 7(1) applies.

Every EPFO Regional Office has a designated PIO. The list is maintained here: epfindia.gov.in/rti. Alternatively, file online at rtionline.gov.in under “Ministry of Labour and Employment → Employees' Provident Fund Organisation”.

To:
The Public Information Officer,
Employees' Provident Fund Organisation,
[Regional Office address]

Subject: RTI application — status of claim reference [CLAIM NO] under UAN [UAN]

Sir/Madam,

Under the Right to Information Act, 2005, I request the following
information concerning the claim filed by me on [DATE]:

1. Exact date on which the claim file was received at the Regional Office
   and the claim reference / file number allotted.
2. Name and designation of the dealing assistant currently handling the
   file as on the date of reply.
3. Date(s) on which the file was marked from one officer to another,
   together with remarks or objections, if any, raised.
4. The reason the claim has not been settled within the 20-working-day
   timeline fixed by the EPFO citizen charter.
5. The expected date of settlement.

I am enclosing an IPO / demand draft of Rs. 10 in favour of "Accounts
Officer, EPFO". I am / am not a BPL cardholder (strike out whichever is
not applicable).

Yours faithfully,
[Name]
[Full address, mobile, email]

• Day 31 — deemed refusal under Section 7(2). File first appeal under Section 19(1) to the First Appellate Authority (the Regional PF Commissioner himself). Our First Appeal Builder generates the letter.
• Day 76 — if the FAA does not decide in 45 days, file second appeal to the Central Information Commission (cic.gov.in).
• Penalty — once the CIC is seized of the matter it can order Rs. 250 per day of delay up to Rs. 25,000 under Section 20 personally against the PIO.

• EPF & MP Act, 1952 — parent Act.
• EPF Scheme, 1952 — paragraphs 68B-68NNN govern advances and final settlement.
• EPFO Citizen Charter 2019 — 20-day settlement commitment.
• Right to Information Act, 2005 — Sec. 6, Sec. 7, Sec. 19, Sec. 20.
• CIC Decision — Shikha Bansal v. EPFO (File No. CIC/LM/A/2013/000187) — RPFC held personally liable for Rs. 25,000 penalty for repeatedly ignoring RTI on member claim.
• CIC Decision — Bharat Kumar Aggarwal v. RPFC Delhi (2019) — delays in PF claim settlement are “maladministration” cognisable under §18.

• How to file RTI online in India — 2026 step-by-step
• First Appeal Builder
• RTI Deadline Calculator
• RTI Fee Calculator
• Why RTI applications get rejected and how to avoid it
• The PIO Reply Guide
• FAA Appellate Review Checklist

EPFO's own citizen charter commits 20 working days from receipt of a complete claim. In practice, 70% of online claims with full KYC are settled in 7-10 days. Anything beyond 20 days is a breach of the charter and grounds for grievance or RTI.

Yes. Use rtionline.gov.in → select “Ministry of Labour and Employment” → “Employees' Provident Fund Organisation” → your Regional Office. Fee: Rs. 10 (waived if you are BPL). The RTI is routed to the correct PIO automatically.

Rs. 10 application fee under Central RTI Rules 2012. Additional Rs. 2 per page for copies of documents beyond 20 pages. BPL cardholders pay no fee under Section 7(5). Our Fee Calculator handles all state variants.

No, UAN activation is mandatory. Visit the member portal → “Activate UAN” → enter UAN, member ID, Aadhaar, PAN, DOB. You will receive an OTP on the mobile number EPFO has on record. If that number is old, visit the Regional Office with Aadhaar.

Ask specifically for the year-wise, component-wise computation (employee contribution, employer contribution, pension contribution under EPS, interest accruals year by year). Most under-payment disputes are cleared by this one disclosure.

Yes, EPFO is a body established under an Act of Parliament and therefore a “public authority” under Section 2(h) of the RTI Act. All its Regional and Sub-Regional Offices have designated PIOs and First Appellate Authorities.

Cite R.K. Jain v. Union of India (SC 2013) which held that file noting IS disclosable. Also cite Section 8(1)(i) proviso: after a decision is taken, the material on which it was taken must be disclosed. Our Exemption Analyzer gives you counter-language for every §8 clause.

• EPFO official website
• EPFO Citizen Charter
• rtionline.gov.in
• Central Information Commission

Last reviewed: 22 April 2026.