EPF Withdrawal Shows ‘Settled’ but No Credit? Follow These Steps to Fix It
Many individuals have reported issues with their EPF (Employees' Provident Fund) claims: while their claims are marked as settled , the funds have not been credited to their bank accounts. This article provides a detailed guide on steps to resolve such issues.
How to Check EPF Claim Status Online
Before checking your EPF claim status, ensure you have the following details:
With this information, you can track your claim status via:
Steps to Take if Your EPF Claim is Settled but Funds are Not Received
Review NEFT Transfer Schedules
Funds are usually transferred through NEFT (National Electronic Funds Transfer). Check the NEFT schedules of your bank to ensure the transfer has not been delayed. Note that NEFT does not process transactions on bank holidays.
NEFT Timings for Major Banks:
Verify Bank Details with UAN
Incorrect bank details can lead to issues. Verify your bank details on the UAN member portal by navigating to Manage -> KYC. If errors are found, EPFO might return the funds within 4-5 days. Update your bank details promptly and submit a reauthorization letter to the Regional EPFO office , including a canceled cheque leaf. It may take 10-15 days for corrections and reprocessing.
File a Complaint with EPFO Grievance Cell
If the issue persists, file a complaint with the EPFO Grievance Cell online. Complaints can be lodged through the EPFO Grievance Portal and tracked there. Resolution typically takes up to 30 days.
Contact EPFO via Social Media
After lodging a grievance, consider reaching out to EPFO through their social media channels for follow-up:
Twitter
Facebook
Visit the Regional EPFO Office
As a last resort, visit your regional EPFO office in person. Locate the office through the EPFO portal by selecting Our Services -> Employers -> Establishment Search.
How to Check EPF Claim Status Online
Before checking your EPF claim status, ensure you have the following details:
- EPF account number
- EPF regional office of your employer
- Establishment or company code and extension code (if needed)
With this information, you can track your claim status via:
- The EPFO website
- The UAN (Universal Account Number) website
Steps to Take if Your EPF Claim is Settled but Funds are Not Received
Review NEFT Transfer Schedules
Funds are usually transferred through NEFT (National Electronic Funds Transfer). Check the NEFT schedules of your bank to ensure the transfer has not been delayed. Note that NEFT does not process transactions on bank holidays.
NEFT Timings for Major Banks:
Verify Bank Details with UAN
Incorrect bank details can lead to issues. Verify your bank details on the UAN member portal by navigating to Manage -> KYC. If errors are found, EPFO might return the funds within 4-5 days. Update your bank details promptly and submit a reauthorization letter to the Regional EPFO office , including a canceled cheque leaf. It may take 10-15 days for corrections and reprocessing.
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File a Complaint with EPFO Grievance Cell
If the issue persists, file a complaint with the EPFO Grievance Cell online. Complaints can be lodged through the EPFO Grievance Portal and tracked there. Resolution typically takes up to 30 days.
Contact EPFO via Social Media
After lodging a grievance, consider reaching out to EPFO through their social media channels for follow-up:
Visit the Regional EPFO Office
As a last resort, visit your regional EPFO office in person. Locate the office through the EPFO portal by selecting Our Services -> Employers -> Establishment Search.









