Getting your EPF & ETF
So you worked hard for some time and
now you need to get your EFP AND/OR ETF. You'd expect this to be a
straightforward process. And it is if your name records in the Central Bank has
been entered correctly. But for what I've heard from people who've tried to
withdraw or check their EPF balance over 90% of the time there is an issue with
their name. For example if you have worked in 3 companies and check our EPF
balance under your NID number maybe only 1 companies EPF balance shows. Reason
is the name has been entered incorrectly (mismatch with your NID) for the other
2 companies.
If you have tried registering online
to check your EFP and got a record against a company saying "Rejected due
to name mismatch" that means the aforementioned issue exists.
Here are the steps you need to
follow to withdraw your EPF/ETF.
Disclaimer: The information listed here is correct and applicable as at June-2017. The procedures and requirements may change in the future.
First let's look at the EFP process:
Checking whether your name has been
registered properly:
First you need to check whether you
name has been correctly entered in the Central Bank records for each company.
To do this you need to go to the ETF department in Narahenpita (yes the ETF
department has a section for EPF information on the 8th floor, and the EPF
claims section on the Groud floor) -
https://goo.gl/v9MKqE
Now when you get there and if you
mention EPF the security at the Ground Floor will ask you to go to Central
Bank. Simply walk in without interacting with anyone or tell them you are going
to the 3rd floor for an ETF matter (about ETF later).
Go to the 8th floor and you will
find a room with a notice saying "Public Information Counter" (or
something like that). Present your B-cards and NID to them and they will check
whether each company record has been registered with your correct name/NID
with the EPF department. They will also tell you your EPF balance. If there is
a discrepancy they will tell you which companies has the issue and the
directions to follow in order to get it corrected. Make sure you write down the
names listed under each company; you can get their help to determine what the
correct needs to be.
The name could be either the full
name or name with initials, whatever it is it needs to be identical across all
companies.
e.g:
if your name is Theodore Evelyn
Mosby it could be written either the same way or as T.E Mosby. Either Way
it needs to match what’s on you NID (with or without initials it doesn’t
matter) and needs to be identical across all companies EPF registrations.
If there are name discrepancies you
need to follow the steps given below (they will tell you what’s needed, the
information in this blog is correct as at June-2017):
Basically you need to get a letter
from each company/employer that there is a name issue with. The letter needs to
state that you holding NID number nnnnnn has been registered with the
EFP department under the name xxxxxxx, his/her name according to NID is yyyyyyy
and xxxxxx & yyyyyy are one-and-the-same person. Apart from this you need
signed copies of your NID and B-card from each employer.
So basically if you need to rectify
your EPF registration name under any employer you need to obtain the above and
go through the following steps
Getting your name corrected:
As mentioned above lets re-cap what
you need to amend your EPF name record
1. Letter from each employer (only
the ones where your name has been registered incorrectly)
2. NID copy signed by employer (one
signed copy for each employer)
3. Signed B-card from each employer
Now you need to go to the EPF
department in the Lloyds building in Fort (
https://goo.gl/GjcKbS). When you
go don't go to any of the immediately visible queues. Go to the reception and
inform you need to get a name correction done. They will give you a number and
direct you to a section in the ground floor called ‘Member Inquiries’. Go there
and they will examine your documents clip them together and ask you to get it
sealed from the reception and go to the Central Bank's Record Amendments
Division (RAD).
Get this sealed by the Reception and go to
the Central Bank. The reception will direct you to the Record Amendments Division.
Submit your documents and they will
ask you to wait until they fix it. Be seated but keep your ears open since they
will be calling your name. Once done they will print an invoice for each
company.
And keep in mind that this section
is like a typical government office with a lethargic feel, and they have a
tendency to screw things up (yes it’s ironic since you had to go there since
someone else screwed it up in the first place). There is a possibility they
either misspell it again or hand over your receipt to someone else (e.g if
there are 2 people with the same or similar names; they may also mispronounce
your name). The above has happened, so be mindful of the name callouts and
before you walk away with the receipt (confirmation slip for name change)
please read it and make sure your name has been spelled/corrected properly. You
can also check whether the names are uniform across all companies and whether
any more differences exist when you are collecting the receipt.
Remember: if you submitted documents
to correct the name under 2 companies you need to get 2 printed invoices. If
you get only one tell them that you submitted more than one and they will find
the other one and do it ahead of queue. Once again read these carefully and
make sure everything is correct and the name is identical and similar to the
NID across each and every company.
Claiming EPF:
Once your name is corrected you can
fill the EPF claim form (Form K available to download or can collect it from
the 8th floor at Narahenpita ETF office) and get it signed by your last
employer. You will also need to get a copy of your NID and the details page of
your bank account or a statement (of the account you have entered
in the form) signed as well.
To submit the claim forms you need
to go to the Ground Floor of the ETF department Narahenpita (
https://goo.gl/v9MKqE). Just as
you enter on the right side you’ll find a door labeled EPF. First you need to
get a token from there. They will do a rough check on your docs and give you
another form to fill along with another number token. This token is for the
counters for where you need to submit the claim forms (in the same room).
What you need to take:
1. EPF form filled and signed by the last employer along with signed
copies of the NID and Bank details
2. The original B-card
3. Your NID
4. Any other documents mentioned in the information leaflet given
with the claim form **
** In case of migration you need to
take a printout of the PR Visa grant with you, take your passport as well. The information leaflet asks you
to bring a photograph, however in my case they took a photo
then-and-there using a webcam.
If you are having Spouse Migration Visa:
Since the spouse visa is a temporal visa they will require proof of your relationship to the PR holder. For this you need to take a copy of your marriage certificate, a copy of your partners PR visa and a copy of his/her passport as proof.
It will take up to 3 weeks to remit
the funds. However, if you are in a hurry you can submit a letter requesting to
remit it early. However, there is no fast-track process for EPF and you cannot
guarantee whether such a request would be considered.
Claiming ETF:
For ETF the process is easier than
EPF. The reason is that ETF is handled by the ETF department itself, unlike EPF
which is managed by the Central Bank (though there is a separate EPF
department).
Go to the 3rd floor in the ETF
department at Narahenpita. Show your NID and they will tell you the balance and
direct you with what to do. If there is a name mismatch (which there will be
99% of the time since the talented Government Data Entry Operators are
incapable of performing a simple job such as entering what is on a sheet of
paper the same way into a computer) you can get it corrected from there itself.
Forms:
When you visit the ETF department
collect forms for ETF and EPF. For ETF get a form for each company you worked
in. You can get ETF forms from either the 3rd floor or the counter outside of
the building. For EPF you can get the claim form from the 8th floor. All of
these are available online to download as well.
For ETF you need to get a form
signed from each employer you worked for. There are 2 types of forms: Form VI
and a shorter form called VI-A. Technically form VI needs to be filled by the
last employer and VI-A by previous employers. However, it is ok to get form VI
filled by previous employers as well. In my case I got VI filled by all
employers. You may have to visit each employer to provide your thumb print if
you are getting form VI filled. Better talk to each employer beforehand, they
may have their preference.
What you need
1.
ETF form filled by the employer
2.
Signed copy of the NID by each employer
3.
A copy of the details page of your savings account or a statement
Claiming:
As you enter the ETF department in
Narahenpita the ETF claiming room is on the left (opposite the EPF room). This
room is for normal services that may take up to 3 weeks. There is also an
express service. The entrance to this section is not through the main entrance
but you need to go past it (ask the security in the ETF claims section and they
will direct you to the express section).
Express claims:
Express claims costs Rs. 2000/= and
is done within 3 days. But the catch is if the last month (or two months) ETF
has not yet being received by the department you will not get those months
remittance. And once done by express claims you cannot claim the amount for
such months even after they are received by the department (they are lost
forever). However, if you are migrating there is good news:
In case of migration:
If you are migrating and you are in
a hurry to get your money you can get it done fast track through the normal
process (within 4 days) without losing the last 1 or 2 months remittance. For
this you need a copy of your PR visa grant as well as air tickets (even if you
have not yet booked the air tickets speak to them and explain your situation).
For this go to the 1st floor and talk to an executive (usually someone with
such authority to override the process will be in a office room on the left
hand corner on the 1st floor).
Once again the information here is
valid as at 30th June 2017. These may change in the future, always visit the
EPF/ETF departments and get the exact information and refer to the latest
information leaflets.
-- Cheers --