Kosh हिंदी में पढ़िए

If you file now, it will be rejected.

7 blockers · ~60 days · ₹0 in fees

This is a sample case. The names and numbers are manufactured and belong to no real person.

What is stopping it

1 Stops the claim

Your name in EPFO is not exactly your name in Aadhaar

Why it fails
One letter, one space, one missing initial. Every claim is validated against the Aadhaar-held record before it is paid, so the match has to be exact.
EPFORAMESH KUMAR SUNDRAM
AadhaarRAMESH KUMAR SUNDARAM
Who has to fix it
You
How long
20–45 days
The rule — §2.2, parameter 1 of 11: Name
throw a number of anomalies in profiles leading to rejections/failures/frauds. As a result, genuine members have to go through a long channel for corrections

EPFO Standard Operating Procedure No. JD/2024/1 Version 2.0, Joint Declaration, member profile correction · Read the rule · We read this on 2026-08-19.

2 Stops the claim

Your bank account name is a short form

Why it fails
Banks print initials. EPFO stores the full name. Nothing reconciles the two automatically, and the payment is made by name match.
BankRAMESH KUMAR SUNDARAM
EPFORAMESH KUMAR SUNDRAM
Who has to fix it
Your bank
How long
7–15 days
The rule — Reason 7
Incorrect bank account details (account number, IFSC code, branch name).

Economic Times, why your EPF claim may get rejected: 11 reasons · Read the rule · We read this on 2026-08-18.

3 Stops the claim

Your date of birth in EPFO does not match Aadhaar

Why it fails
A single wrong digit in the year is enough. It is checked against the Aadhaar-held record before payment, and it also decides your pension age.
EPFO14-07-1979
Aadhaar14-07-1978
Who has to fix it
You
How long
20–45 days
The rule — §4.7 Table 2, parameter 3 of 11: Date of Birth, major above three years
Date of Birth Major >3 Years Minor < =3 Years

EPFO Standard Operating Procedure No. JD/2024/1 Version 2.0, Joint Declaration · Read the rule · We read this on 2026-08-19.

4 Stops the claim

Your father's name is missing or does not match Aadhaar

Why it fails
EPFO matches the parent's name held against your UAN with the one on Aadhaar. A blank field fails the same check a wrong spelling does.
EPFONot recorded at EPFO
AadhaarSUNDARAM PILLAI
Who has to fix it
You
How long
20–45 days
The rule — §4.7 Table 2, parameter 4 of 11: Parent Name, insertion is major
If inserting a name for the first time.

EPFO Standard Operating Procedure No. JD/2024/1 Version 2.0, Joint Declaration · Read the rule · We read this on 2026-08-19.

5 Stops the claim

Your employer recorded your exit but not the reason for it

Why it fails
The exit date is there and the reason field is empty. Members report Form 19 being returned for exactly this, with the reason for exit named as the cause.
Who has to fix it
Your employer
How long
15–60 days
The rule — §2.2 and §4.7 Table 2, parameter 8 of 11: Reason of Leaving
Reason of Leaving Major Change after the death of the member Minor All other cases

EPFO Standard Operating Procedure No. JD/2024/1 Version 2.0, Joint Declaration · Read the rule · We read this on 2026-08-19.

6 Stops the claim

You left work less than twelve months ago

Why it fails
Full and final settlement before retirement now requires twelve months to have passed since you stopped working. Under the old scheme it was two.
Who has to fix it
Nobody. This is the rule
How long
Clears by itself on 2027-01-31
The rule — waiting period for premature final settlement
EPFO has introduced a 12-month waiting period for premature final EPF settlement and a 36-month waiting period for withdrawal benefits under EPS.

Shobha Karandlaje, Minister of State for Labour and Employment, written reply, Lok Sabha, 10 August 2026, reported by Livemint · Read the rule · We read this on 2026-08-18.

7 Stops the claim

You asked for more than 75% of your balance

Why it fails
A quarter has to stay in the account. Kosh shows the exact maximum you can take today rather than letting the claim fail on the amount.
Who has to fix it
Nobody. This is the rule
How long
No stated period
The rule — EPF Scheme 2026, minimum balance
EPF subscribers must maintain 25% minimum balance in their EPF account at all times

Livemint, top reasons your EPF settlement claims could be rejected · Read the rule · We read this on 2026-08-18.

What you can do instead

Up to 75% of the balance can be taken now as an advance, without waiting. It is the remaining 25% that becomes available once twelve months of continuous unemployment are complete. Kosh shows the date and the amount for both.

From 2027-01-31 · ₹1,38,000

75% of ₹1,84,000 is ₹1,38,000 — the most available after the 2026 minimum-balance rule. The figure on the day will differ, because the balance keeps growing.

Rule: F02_WAIT_12M_FINAL

Ask for 75% of the balance or less and the amount stops being the problem. Kosh computes the figure for you.

Rule: F03_MIN_BALANCE_25

How complete this check is

Checked 44 of 61 rules. 0 we had no data for.

See the full check → Decode the government’s message →

This is not the government’s decision. The office decides. This is a check of whether the known causes of rejection are present in your record.

How do I fix it? →