You cannot withraw EPF money #epfo #epf #money #finance #cameenalgoel

Merging your PF accounts isn’t optional. It’s essential 🚨

Here’s why:

🔻 Lower withdrawal limits
EPFO only considers your current PF balance for partial withdrawals (e.g., for marriage, home, etc.)
Even if you have ₹16 lakh in total, but only ₹1 lakh in your ongoing PF—your permissible withdrawal? Just ₹50,000.

🔗 Final settlement gets messy
You can’t withdraw from each PF account separately. Unless everything is merged, 100% settlement is not possible.

⚠️ EPS pension eligibility suffers
To be eligible for pension, you need 10 years of continuous service.
Unmerged accounts can break this continuity.

🔄 Multiple UANs complicate everything
KYC, claims, and verification become a nightmare with different UANs.

To know the process of merging your ‘EPF’ accounts - comment ‘EPF’

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