Pension Stuck Between 3 EPFO Offices
Stuck For
9 Months
Resolved In
3 Months
EPFO Offices
3
Employers
Multiple
The Situation
For 9 months, this client struggled to withdraw their PF and pension funds. The issue? EPS (Employee Pension Scheme) service records from a previous employer were missing. The client was caught in a loop between three EPFO offices—Pune, Bandra, and Gurgaon—with each office pointing to another.
Every office passed the responsibility to the next. The pension component (Form 10C) couldn't be processed without complete service records across all employers.
The Multi-Office Problem
Pune
Original employer PF
Issue: Missing EPS service records
Bandra (Mumbai)
Second employer PF
Issue: Incomplete transfer documentation
Gurgaon
Current/latest employer
Issue: Couldn't process without prior records
Why This Happens
When EPS service isn't properly transferred between employers, pension claims get stuck. Each regional office only sees their portion of the records. Without a coordinated approach across all offices, the client is left going in circles.
How It Was Resolved
The resolution required coordinating between EPFO Bandra and Gurgaon simultaneously—not sequentially approaching each office. The team:
Service Record Transfer
Initiated proper EPS service transfer between Companies A, B, and C.
Multi-Office Coordination
Worked with Bandra and Gurgaon offices in parallel to align records.
Form 10C Processing
Once service records were complete, pension claim was processed.
Documentation Trail
Created proper paper trail connecting all employers and offices.
Result
The pension claim (Form 10C) was finally approved after 3 months of coordinated effort. The client could access their complete pension benefits after 9 months of being passed around.
Key Takeaways
Key Takeaway
EPS ≠ EPF
Pension (EPS) transfers are separate from PF transfers and often overlooked.
Complete Service History
Pension claims require complete, linked service records across all employers.