What is the difference between EPS and EPF?

EPS (Employees’ Pension Scheme) provides pension benefits, while EPF (Employees’ Provident Fund) is primarily a retirement savings scheme that accumulates a lump sum.

Can I opt out of EPS after joining?

No. Once EPS membership is declared and accepted, opting out is complex and typically requires formal correction procedures involving both the employer and EPFO.

How long does it take to rectify an EPS-related error?

Depending on employer responsiveness and EPFO processing times, corrections can take anywhere from a few months to over a year.

What happens if my EPS fund is wrongly transferred?

If your EPS fund is wrongly transferred, you must coordinate with both previous and current employers to correct it. The employers need to jointly submit:Get ECR correction from that company. Revised Form 11 with a clarification letter These documents are then submit

Who is responsible for filing a revised Form 3A?

While the employer is formally responsible, employees must proactively follow up to ensure timely and accurate submissions.

Can I correct Form 11 if I made a mistake during onboarding?

Yes, but corrections must be initiated through your employer. A revised Form 11, along with supporting clarification, needs to be submitted to EPFO.

Is EPS correction possible after PF transfer to a new employer?

Yes. Even after a PF transfer, both previous and current employers must jointly submit revised documents for EPS correction. You can use service of PF consultant like Finright who can help you with such comlex case of PF transfer and PF withdrawal.

Will wrong EPS contributions affect my PF interest?

No, incorrect EPS contributions do not immediately affect PF interest. The EPFO continues to calculate and credit interest on the available EPF balance as usual. However, when the correction is processed, EPFO will manually adjust the interest based on the corrected contribution amounts. Any shortfall or excess interest due to the wrong allocation will be recalculated and rectified during the correction process.

Can EPS contributions be withdrawn if wrongly credited?

No direct withdrawal is allowed. The amount can only be reallocated to your EPF account after correction by EPFO.

What is the salary limit for EPS eligibility?

Employees earning above ₹15,000 per month at the time of joining after September 1, 2014, are not eligible for EPS.

Does EPFO automatically validate EPS eligibility?

Currently, EPFO has no automatic system to flag EPS eligibility errors. Manual verification by the employer is essential during onboarding.

Read common mistakes in Form 11 and different ways to fix these errors to keep your savings safe. Explore how such errors occur and how both employees and employers can safeguard themselves.

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Don’t Let Form 11 Errors Derail Your EPF and EPS Benefits — Here’s How to Avoid Them