Fifteen sentences, and what each of them is actually telling you.

आपका नाम दो जगह अलग-अलग लिखा है

EPFO compared the name on your UAN with the name on your Aadhaar and found they are not identical. Not similar — identical. A middle name, an initial, an extra space or a different spelling is enough.

Usually clears in about 26 days · 4 steps

पुराने नियोक्ता ने आपके नौकरी छोड़ने की तारीख दर्ज नहीं की

EPFO's records still show you working at a company you have left. A final settlement cannot be paid to somebody who is, on paper, still employed. Your employer has to record your date of exit — and many simply never do.

Usually clears in about 12 days · 3 steps

आपका बैंक खाता जुड़ा नहीं है, या उस पर नाम अलग है

EPFO will only pay into an account whose holder name matches your EPFO name and which the employer has approved. A joint account, a maiden name, or an IFSC changed by a bank merger will all fail this check.

Usually clears in about 9 days · 3 steps

नियोक्ता ने आपकी KYC मंजूर नहीं की

You completed your side of KYC. It is sitting unapproved in your employer's EPFO login. Nothing you do on your own portal will clear this — the action is entirely theirs.

Usually clears in about 18 days · 3 steps

आपकी जन्मतिथि आधार से अलग है

The date of birth on your EPFO record and on your Aadhaar are not the same. This is extremely common for members whose first job recorded a school-certificate date while Aadhaar took a different one.

Usually clears in about 30 days · 4 steps

आपके एक से अधिक UAN हैं, और पैसा बँटा हुआ है

A new employer created a fresh UAN for you instead of continuing the old one. Your service is now split across two numbers, and a final settlement cannot be computed until they are merged.

Usually clears in about 25 days · 3 steps

आपका PAN verify नहीं है, इसलिए ज्यादा TDS कट रहा है

If you withdraw before five years of service and your PAN is not verified with EPFO, tax is deducted at a much higher rate. Some claims are rejected outright; others are paid with a large and avoidable deduction.

Usually clears in about 7 days · 2 steps

पिता या पति का नाम रिकॉर्ड में अलग है

EPFO holds a relation name from your first employment form. If it differs from Aadhaar — including where a married woman's record still carries her father's name — the claim fails.

Usually clears in about 24 days · 2 steps

जिस निकासी के लिए आपने आवेदन किया, वह अभी नहीं मिल सकती

The claim itself was wrong, not your documents. Each withdrawal type has its own conditions — a full settlement needs a period of unemployment, while an advance for a specific purpose has its own limits.

Usually clears in about 2 days · 2 steps

टैक्स घोषणा नहीं है, इसलिए TDS कट सकता है

Your withdrawal can attract TDS because your qualifying service is short and EPFO does not have a valid tax declaration. This usually changes the amount paid, not your basic right to withdraw. Check the exact portal remark before treating it as a full claim rejection.

Usually clears in about 3 days · 3 steps

आपकी EPS की पात्र सेवा अभी दस साल नहीं हुई है

A monthly EPS-95 pension needs at least ten years of eligible service. This is not a document mistake. If all your service is counted and remains below ten years, use the withdrawal-benefit or service-certificate route that applies to your age and situation instead of refiling Form 10D.

Usually clears in about 12 days · 3 steps

आपकी अपलोड की हुई तस्वीर साफ नहीं थी

Your documents are fine. The photograph of them was rejected. The upload must clearly show your printed name, full account number and IFSC in a single frame.

Usually clears in about 3 days · 2 steps

UAN में दर्ज लिंग Aadhaar से अलग है

EPFO found different gender details in your UAN and Aadhaar. The Aadhaar check needs this field to match exactly, so the claim cannot clear until the record is corrected.

Usually clears in about 21 days · 3 steps

मृत्यु दावे के लिए EPFO को वैध नामांकन नहीं मिला

EPFO cannot use the online nominee route because it has no valid e-nomination on the member's file. This does not remove the family's entitlement. It means the family must use the physical claim route with proof of who is entitled to receive the money.

Usually clears in about 30 days · 4 steps

International Worker की स्थिति के लिए Certificate of Coverage जांचना है

EPFO has treated you as an international worker. If you are covered by a social-security agreement, a valid Certificate of Coverage can decide whether you are exempt, whether service can be totalised, and which claim you can make. Do not use the ordinary withdrawal route until this is checked.

Usually clears in about 34 days · 4 steps