You've filed a PF withdrawal or transfer and the money hasn't arrived. The claim status tells you where it is stuck: with your employer, under process at EPFO, settled, or rejected with a reason you can fix. Here are the four ways to check it, what each status…
Can't log in? Reset your UAN password first. See UAN password reset. The toll-free EPFO helpline, 1800-118-005, can also tell you the status.
| Status | What's happening | What you do |
|---|---|---|
Pending at employer | Your employer has to approve the claim. This applies where the claim couldn't go through on Aadhaar alone. | Ask HR to approve it on the employer portal |
Under process / received | The claim is with the EPFO office for checks | Wait. Check your KYC is complete. |
Approved / settled | The amount has been sanctioned and sent to your bank | Allow a few working days for the bank credit |
Rejected | EPFO found a problem. The reason is shown. | Fix the cause and file a fresh claim |
Returned / payment failed | The bank couldn't credit the amount | Correct the bank details in KYC and contact EPFO |
Advance (partial withdrawal) claims of up to ₹5 lakh that pass EPFO's automated checks are settled automatically, often within three or four working days and without anyone at EPFO touching them. Other claims, including most final settlements, transfers and pension claims, are checked manually. EPFO's target is to settle them within 20 days of receiving a complete claim. Once settled, the bank credit usually follows within a few working days.
Under the EPF Scheme 2026, some claims also have waiting periods: full PF settlement after job loss needs 12 months of unemployment, and pension withdrawal 36 months. A claim filed too early will be rejected. The rules are in our guide to EPF withdrawal online.
| Rejection reason | Fix |
|---|---|
| Bank account / IFSC mismatch, or account not in your name | Update the bank KYC in the portal and get it approved by the employer |
| Name, date of birth or gender doesn't match Aadhaar | Submit a joint declaration / details correction through the portal for employer and EPFO approval |
| Date of exit not marked | Ask the employer to mark it, or mark it yourself on the portal once allowed |
| Service or unemployment period not met | Wait until you meet the condition, then file again |
| Unclear or wrong document (cheque or passbook image) | Upload a clear image showing your name, account number and IFSC |
| Contributions missing for some months | Ask the employer to file the pending returns, then check the passbook |
Read the exact remark on the rejection before refiling. Filing the same claim again without fixing the cause will just be rejected again.
Most stuck claims come down to employer records. Employers who keep monthly returns and KYC approvals up to date save their staff this trouble. TaxQue's PF return filing service takes care of that side for businesses.
This article is published by TaxQue (ARB FinTech LLP) for general informational, educational, and business guidance purposes only. Tax laws, GST rules, MCA circulars, and judicial precedents are subject to frequent statutory revisions. This content does not constitute formal individualized tax, accounting, or legal counsel.
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