Kosh हिंदी में पढ़िए

If you file now, it will be rejected.

6 blockers · ~120 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.
EPFOVIKRAM SINGH RATHOR
AadhaarVIKRAM SINGH RATHORE
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.
BankVIKRAM SINGH RATHORE
EPFOVIKRAM SINGH RATHOR
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

Contributions were never deposited for part of your service

Why it fails
Money was deducted and never reached your account. The portal refuses the claim on the ground that your employer has not paid, which is not your doing.
Who has to fix it
Your employer
How long
30–120 days
The rule — field-reported rejection reason, no primary source located
online claim request cannot be processed as present employer has not made payment in your PF account

Member-reported EPFO claim error, Quora, question thread · Read the rule · We read this on 2026-08-18.

This rule comes from rejection messages people received, not from a published circular.

4 Stops the claim

Your employer's digital signature has expired

Why it fails
Employer approvals are signed with a certificate that has lapsed. Nothing needing their sign-off can move until it is renewed, however correct it is.
Who has to fix it
Your employer
How long
7–30 days
The rule — difficulties signing documents with DSC
It has been continuously reported by employers that they are facing difficulties in signing the documents using DSC.

EPFO National Data Center circular No. NDC/14(7)2015, 6 October 2017, introduction of e-Sign at Unified Portal · Read the rule · We read this on 2026-08-19.

5 Stops the claim

The establishment you worked for has closed

Why it fails
Nothing can be routed through your old employer. Corrections have to go to the regional office instead, attested by an authorised official.
Who has to fix it
The EPFO office
How long
30–90 days
The rule — §6.15, authorities to attest the claims in case of closed establishment
Authorities to attest the claims in case of closed establishment. Updated List: Magistrate, A Gazetted Officer, Post/Sub post master

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 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

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? →