Guides
Private Se Sarkari Naukri: EPF/PF Withdrawal Ya EPS Transfer Kaise Karein?
Bahut se candidates 2-3 saal private sector (IT, BPO, ya manufacturing) me job karte hue sarkari naukri ki tayari karte hain. Jab unka final selection Government job me ho jata hai, to khushi ke sath ek financial confusion aati hai: 'Mere purane company ke PF (Provident Fund) ka kya hoga? Kya mujhe paise withdraw kar lene chahiye ya use aage transfer karna padega?' Central aur State government me ab NPS (National Pension System) lagu hai, jabki private sector EPFO (UAN) manage karta hai. Ye dono completely alag bodies hain. Is guide me hum completely explain karenge ki private se sarkari sector me shift hote waqt aapko apne PF aur Pension (EPS) funds ka legally aur financially kya karna chahiye taaki baad me koi tax ya administrative problem na aaye.
1. Withdraw vs Transfer (The Main Problem)
- Private Sector me EPFO kaam karta hai, jabki Govt sector me PRAN (Permanent Retirement Account Number) ke under NPS account khulta hai.
- EPFO (UAN) ka paisa directly NPS (PRAN) me transfer karne ka process abhi bhi kafi complex aur offline intensive hai. Zyadatar government departments is transfer ko initiate karne me lamba waqt lagate hain.
- Agar aapki private service 5 saal se kam thi, to PF nikalne par TDS (Tax) cut sakta hai, isliye options ko carefully samajhna zaroori hai.
2. Option A: Full Withdrawal (Most Preferred)
Zyadatar candidates jo private sector hamesha ke liye chhod kar permanent sarkari naukri me ja rahe hain, wo apna EPF aur EPS (Pension contribution) pura withdraw (nikalna) prefer karte hain. Aap purani company se resignation dene ke 2 mahine (60 days) baad Form 19 (PF settlement) aur Form 10C (Pension withdrawal) online apply karke sara paisa apne bank account me le sakte hain.
Dhyan rahe, paisa withdraw karne ke liye aapki date of exit (leaving date) EPFO portal par purani company dwara properly update honi chahiye aur UAN ka KYC verified hona chahiye.
3. Option B: Keeping it Active
Aap chahein to apna UAN account EPFO me aise hi chhod sakte hain. Us par PF interest milta rahega (ek specific time limit tak). Government job me aane se EPFO account block nahi hota.
Lekin, long term me inactive accounts ko manage karna mushkil ho jata hai. Isliye best approach yahi hai ki government job me joining settle hone ke baad (ya joining se pehle ke gap me) apna PF settle kar lein taaki aapka focus sirf aage aane wali PRAN/NPS savings par rahe.