Skip to main content

An independent prototype. Not an official EPFO service.

EPF Member Portalकर्मचारी भविष्य निधि — सदस्य पोर्टल
Sign in

Your PAN is unverified, so tax is being cut at the penalty rate

Rejection remark explained · prepared for a provident fund member

A common reason claims fail

Verified

If the portal told you

  • PAN not verified, TDS applicable at higher rate

  • PAN not seeded against UAN

Your PAN is unverified, so tax is being cut at the penalty rate

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.

पांच साल की सेवा पूरी होने से पहले निकासी पर, अगर PAN EPFO में verify नहीं है तो ज्यादा TDS कटता है। कुछ दावे रुक जाते हैं और कुछ में बड़ी कटौती के बाद पैसा मिलता है।

Whose job it is to fix it

You

Nobody else is holding this up. It can be fixed from your side.

Raised at the Accounts Officer desk. Done correctly, this usually clears in about 7 days.

What to do, in order

  1. 01
    Youabout 1 day

    Check that the name on your PAN matches your EPFO name exactly. PAN verification fails on the same string comparison that fails Aadhaar.

    जाँचें कि PAN का नाम EPFO के नाम से बिल्कुल मेल खाता है। PAN सत्यापन उसी तुलना पर विफल होता है जिस पर आधार।

    Unified Member Portal → KYC

  2. 02
    Youabout 1 day

    If your total service is under five years and the amount exceeds the threshold, submit Form 15G (or 15H if you are a senior citizen) with the claim.

    यदि कुल सेवा पाँच वर्ष से कम है और राशि सीमा से अधिक है, तो दावे के साथ फॉर्म 15G (वरिष्ठ नागरिक हों तो 15H) जमा करें।

    Along with the claim form

Why the message could not tell you any of this

This is the rejection most worth catching before it is paid rather than after. Once tax is deducted at the unverified rate, the money is recoverable only by claiming a refund in your income tax return for that assessment year — the claim itself cannot be reopened to correct it. Verifying PAN first is far cheaper than reclaiming later.

Produced by an independent prototype of a provident fund member portal. Not an official EPFO document and not legal advice.

There are 2 letters for this

Each one is drafted with your own details and the correct statutory wording, ready to send yourself. No account, no sign-in, and nothing sent anywhere — they are assembled in your browser from eight things on the message that rejected you. Nothing is filed on your behalf.

  • Letter to your employerAsks your employer for the one action only they can take, in writing, with a date on it.
  • EPFiGMS grievanceRegisters the complaint inside EPFO and puts a dated reference number on it.
Draft these for your own claimOr see them inside a worked example

If nothing moves

The twenty-day settlement commitment restarts every time a desk returns the file, so it can be exceeded indefinitely without ever being formally breached. An RTI application about your own file must be answered in thirty days, and silence past that is a deemed refusal that opens an appeal — and a penalty on the officer personally.

What these words meanSomebody contacted you about it?

Often the real problem instead