31 Lakh Logon Ka ₹10,900 Crore EPFO Mein Fasa Hua Hai — E-PRAAPTI Portal Se Aise Claim Karo

Kitna Paisa Fasa Hai — Poori Picture

Labour Ministry ke latest data ke mutabik, 31.83 lakh EPF accounts abhi "inoperative" status mein hain — yani 3 saal ya usse zyada time se koi contribution nahi aaya. In accounts mein kul mila ke ₹10,900 crore ka paisa pada hua hai jo employees ka haq hai, lekin claim nahi hua.

Sabse concerning baat yeh hai ki 7 lakh accounts toh 20 saal se zyada purane hain. Matlab logon ne job change ki, company band hui, ya bas bhool gaye — aur unka PF ka paisa wahi pada reh gaya.

Agar aapne kabhi koi chhoti job ki, internship ke baad PF kata, ya company badli aur transfer nahi karaya — toh chances hain aapka bhi paisa EPFO ke paas pada ho.

E-PRAAPTI Portal Kya Hai?

E-PRAAPTI (EPF Aadhaar-Based Access Portal for Tracking Inoperative Accounts) ek naya EPFO portal hai jo 29 April 2026 ko Union Labour Minister Mansukh Mandaviya ne launch kiya.

Yeh portal specifically un logon ke liye bana hai jinke purane PF accounts hain lekin:

• UAN se link nahi hai purana account
• Company band ho gayi ya merger hua
• Member ID yaad nahi hai
• Employer cooperation nahi mil rahi

Pehle in cases mein aapko physically EPFO office jaana padta tha, employer ka signature lena padta tha, months lag jaate the. Ab yeh sab Aadhaar OTP se ghar baithe hoga.

Portal Kaise Kaam Karta Hai — Phase-Wise

Phase	Feature	Status
Phase 1 (Live)	Member ID-based search — apni purani Member ID ya Establishment Code daalo, inactive account dikhega	Active
Phase 2 (Coming)	Aadhaar-only search — bina Member ID ke bhi, sirf Aadhaar se purane accounts trace honge	Under development

Step-by-Step: Apna Inactive PF Aise Claim Karo

Step 1 — Purana Account Dhundho

1. member.epfindia.gov.in pe jaao
2. "Inoperative Account Helpdesk" section kholo
3. Apni purani company ka Establishment Code daalo (yeh offer letter, salary slip, ya Form 12 mein milta hai)
4. Apna naam aur DOB enter karo
5. Agar account match hota hai — details dikhenge

Step 2 — KYC Update + UAN Linking

1. Portal pe Aadhaar OTP verify karo
2. Apna current UAN enter karo (jo active job se linked hai)
3. System automatically purana account aapke current UAN se link karega
4. Bank details aur KYC update karo agar outdated hai

Step 3 — Consolidation Claim File Karo

1. EPFO member portal pe login karo (UAN + password)
2. Online Services → "One Member - One EPF Account (Transfer Request)"
3. Purana account select karo as "Previous Employment"
4. Current account mein merge ka request submit karo
5. 7-10 working days mein paisa current PF account mein add ho jayega

Auto-Settlement Pilot — Bina Claim Ke Paisa Wapas

EPFO ne ek auto-settlement pilot bhi launch kiya hai jisme 7.11 lakh accounts jinmein ₹1,000 se kam balance tha — unka paisa automatically bank accounts mein credit kar diya gaya. Total ₹30.52 crore aise hi distribute hua bina kisi claim ke.

Eligibility criteria:

• Account balance ₹1,000 se kam ho
• Aadhaar aur bank account UAN se linked ho
• KYC complete ho
• Account inoperative status mein ho

Agar aapka balance ₹1,000 se zyada hai, toh aapko manually claim karna hoga (Step 1-3 follow karo).

Kya Hota Hai Agar Claim Na Karo?

Bahut log sochte hain "chhodo, chhota amount hoga" — lekin yeh galat soch hai:

• Interest milta rahega — Inoperative accounts pe bhi 3 saal tak interest milta hai (current rate: 8.25% for FY 2024-25)
• 3 saal baad interest band — Iske baad paisa wahi pada rehta hai bina kisi growth ke
• ₹5 lakh+ wale accounts — Bahut se accounts mein significant amount hai, EPFO data ke mutabik thousands of accounts mein ₹5 lakh se zyada pada hai
• Nominee ko nahi milega easily — Agar aap claim nahi karte aur kuch ho jata hai, nominees ke liye process aur mushkil ho jata hai

Establishment Code Kaise Dhundhe?

Yeh sabse common problem hai — "Meri purani company ka code kahan milega?" Yeh try karo:

• Salary slip — EPF section mein establishment code/number likha hota hai
• Offer letter / Appointment letter — Footer ya terms section mein
• Form 12 / Form 5 — Employer ne jab EPF mein register kiya tha
• Previous passbook — EPFO passbook download karo, establishment code dikhega
• EPFO Establishment Search — epfindia.gov.in pe "Establishment Search" mein company naam daalo

EPFO Ka FY26 Claim Performance

Metric	Data
Total claims settled (FY26)	8.31 crore (record)
PF advance claims in auto mode	74%
Claims settled in <20 days	98.70%
April 2026 alone	61.03 lakh claims settled

Matlab system ab pehle se kaafi fast hai — agar aap claim karte ho toh zyada wait nahi karna padega.

Official Sources