Many people forget about their old Provident Fund (PF) accounts when they change jobs or retire. Sometimes, employees pass away, and their family members are unaware of the PF amount left behind. This money becomes an unclaimed PF amount, but the good news is — it can still be claimed. Whether you’re a former employee or a legal heir, this guide will help you understand how to recover unclaimed PF funds easily.
What is an Unclaimed PF Amount?
An unclaimed PF amount is the money lying idle in your EPF (Employees’ Provident Fund) account that has not been withdrawn or transferred for a long time — usually after changing jobs, retirement, or death of the account holder.
The Employees’ Provident Fund Organisation (EPFO) keeps these funds in a special account. If the account has been inactive for more than 36 months and no claim has been made, it is marked as “unclaimed.” But don’t worry — you can still apply to claim it.
Who Can Claim Unclaimed PF Amount?
There are two types of claimants:
- Employees (or former employees) – who have not withdrawn or transferred their PF.
- Legal heirs or nominees – in case the account holder is deceased.
Step-by-Step Process to Claim Unclaimed PF Amount
Step 1: Check Your PF Balance
- Visit the EPFO member passbook portal: https://passbook.epfindia.gov.in/
- Login using your UAN and password.
- You can check if the account is inactive or still has a balance.
Step 2: Collect Necessary Documents
For Employees:
- UAN (Universal Account Number)
- Aadhaar Card
- Bank account details (linked with UAN)
- PAN Card (if applicable)
- Employment proof (such as appointment letter or relieving letter)
For Legal Heirs/Nominees:
- Death certificate of the employee
- Legal heir certificate or succession certificate
- Aadhaar and PAN of claimant
- Bank details of the claimant
- Form 20, 10D or 5IF (depending on the type of claim)
Step 3: Fill and Submit the PF Claim Form
You can file the claim online or offline.
Online Process (For Employees):
- Login to the EPFO Unified Portal: https://unifiedportal-mem.epfindia.gov.in/
- Go to “Online Services” > “Claim (Form-31, 19 & 10C)”
- Fill in the required details and upload documents
- Submit the form and track the status online
Offline Process (For Legal Heirs):
- Visit the nearest EPFO office
- Submit the physical forms (Form 20/10D/5IF), along with supporting documents
- A share dematerialisation form may be required if the PF account is linked with company shares
- Get attestation by a Gazetted Officer, Bank Manager, or Magistrate (if needed)
Important Notes on Documentation
If the employee had company shares linked with PF or Employee Stock Option Plans (ESOPs), legal heirs may need to process share dematerialisation forms. This helps convert physical shares to digital form and is often required during asset transmission.
Also, if the employee held shares in a listed company, and you are trying to claim those along with PF, you may need to follow SEBI transmission of shares guidelines. SEBI (Securities and Exchange Board of India) has clear rules for transferring securities in case of death. Proper documentation like death certificate, succession certificate, and PAN/Aadhaar of the legal heir is a must.
What Happens After Submission?
- The EPFO will verify the documents.
- If everything is in order, the money will be transferred to the bank account within 15–30 working days.
- You can track the claim status online or by calling EPFO’s toll-free number: 1800 118 005
Tips for a Smooth PF Claim
- Always keep your UAN active and linked with Aadhaar and bank account.
- Update nominee details in your EPFO profile to avoid legal hassles.
- Legal heirs should ensure they have the correct legal documents (such as succession certificate).
- If shares are involved, work with the company’s registrar or RTA to complete dematerialisation and SEBI transmission of shares procedures.
Conclusion
Recovering an unclaimed PF amount is not as complicated as it seems — as long as you have the right documents and follow the correct process. Both employees and legal heirs can get their rightful money with proper steps and patience. Don’t let your hard-earned money sit idle. Take action today!
