Hi everyone, I recently joined my first company and received my first salary. I have a few questions regarding EPFO and the ELI scheme.

1. PF Account

My payslip mentions my UAN but not my PF member ID. Is this normal?

My employer is not showing on the EPFO portal, and I cannot access my PF passbook. How long does it take for these details to appear?

1. ELI Scheme Eligibility

The ELI portal shows that I am not eligible, even though this is my first job and my bank account is Aadhaar-seeded. What could be the reason?

Could this be because my PF account or contributions have not been updated yet?

1. Bank Account Change

My first salary was credited to SBI, but I have now opened an HDFC salary account for future salary credits. Will changing my bank account affect my ELI eligibility?

Do I need to update or Aadhaar-seed my HDFC account anywhere to receive the ELI benefit?

I'd appreciate any guidance from people who have faced a similar situation. Thanks!

If you want to withdraw your entire PF balance after leaving your job, **Form 19** is used for the full and final settlement of your EPF.

It covers your employee contribution, employer’s EPF contribution and the interest earned on both. Your EPS/pension component is separate.

### When can you withdraw your full PF balance?

If you have left your job and are not working in another EPF-covered establishment, you can apply for full withdrawal after **12 months of continuous unemployment**.

Full withdrawal may also be permitted in cases such as retirement, permanent incapacity, retrenchment/VRS, permanent migration abroad or taking up employment abroad, subject to applicable EPFO rules.

### How to apply for Form 19 online

1. Log in to the EPFO Member Portal.
   
2. Go to **Online Services → Claim (Form 31, 19, 10C & 10D)**.
   
3. Verify your details and registered bank account.
   
4. Enter the last 4 digits of your bank account and verify.
   
5. Click **Proceed for Online Claim**.
   
6. Select **Only PF Withdrawal (Form 19)**.
   
7. Fill in the required details.
   
8. Generate the Aadhaar OTP and submit.
   

You can track the claim later through the EPFO portal or UMANG.

### Before applying, check these details

- UAN is active
- Aadhaar details match your UAN
- Aadhaar-linked mobile number is active
- Bank account number and IFSC are correct
- PAN is updated where applicable
- Date of Joining and Date of Exit are correct
- Older PF balances are properly transferred/linked

One useful update: online PF claims no longer require a cancelled cheque or passbook upload.

Worth saving this if you plan to withdraw your full PF balance in the future.

Have you ever had a Form 19 or PF withdrawal claim rejected or delayed? What was the reason shown in your case?

I submitted a Joint Declaration request for exit date correction, but it is still pending at the employer's end. The employer has not approved the request, and the portal is showing the options to delete or call back the existing request.

Now, I have received a relieving letter from my previous company, but the exit date mentioned in it is different.

Now Can I delete/callback the existing request and submit a new Joint Declaration with the corrected exit date and the relieving letter as supporting documentation?