Nominee gets the benefit of pension after death

In case of death of the account holder after e-nomination, the amount deposited in the account or pension is given to his nominee. PF account holders can also complete their e-nomination process online. E-nomination is necessary not only in the case of PF account but also in every type of savings or insurance plans. If the PF account holder is a married person then there are two types of nominees for EPF and pension schemes. Normally, the nominee of the EPF account also gets the benefit of EDLI. However, it is given only in case of death while in service.

How to do your e-nomination

• You can complete your e-nomination by following some very easy steps. For this, first of all, you have to login by visiting the EPFO ​​website unifiedportal-
  mem.epfindia.gov.in/memberinterface.
• For this you have to enter your Universal Account Number and Password. After this, you have to click on the View tab and then upload your profile photo in JPG or JPEG format which should be less than 100 KB.
• For this, you have to update all the necessary details including permanent or present address by clicking on the profile pic.
• After this, you have to click on the Manage tab and click on the option of e-nomination.
• In the next step, you will have to enter your UAN number, name, date of birth, gender, father or husband’s name, marital status, Details like permanent or present address and date of joining EPF will appear on the screen.
• After this you have to update your family details. In case you nominate more than one person, you can share his/her share. After this you have to add your family details. Then you have to enter their name, date of birth, relation, address and bank account details as per the Aadhaar card.
• After this, you will have to decide the total share of all by going to the nomination details. After this you have to click on the option of EPF nomination save. After this, you have to click on the e-sign button and enter the Aadhaar number to generate the OTP.
• Your e-nomination will be completed as soon as you enter the OTP.
• Relationship, address and bank account details have to be entered. After this, you will have to decide the total share of all by going to the nomination details.
• After this you have to click on the option of EPF nomination save. After this, you have to click on the e-sign button and enter the Aadhaar number to generate the OTP.
• Your e-nomination will be completed as soon as you enter the OTP. Relationship, address and bank account details have to be entered.
• After this, you will have to decide the total share of all by going to the nomination details. After this you have to click on the option of EPF nomination save.
• After this, you have to click on the e-sign button and enter the Aadhaar number to generate the OTP.
• Your e-nomination will be completed as soon as you enter the OTP.

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However, till now the interest for the financial year 2022 is not visible in the subscribers’ account. Let us know its complete information. It has been said on behalf of EPFO ​​that no customer will suffer any loss of interest. He says that interest is being deposited in the accounts of all EPF customers. But, due to software upgrade, it is not visible in the passbook.

Actually, the Employees’ Provident Fund Organization (EPFO) has made e-nomination mandatory for its subscribers. If you do not do this then you will not be able to check your PF balance. With this, the family of the account holder gets social security. EPFO has been continuously issuing alerts regarding this.

E-nomination is mandatory

EPFO is giving the facility of e-nomination to its subscribers to inform the nominee information, after which online information like name of the nominee, date of birth will be updated. EPFO has told its subscribers that the EPF account holder should do e-nomination (EPF / EPS Nomination). By doing this, it helps the nominee / family members to withdraw money related to PF, Pension (EPS) and Insurance (EDLI) in case of death of the account holder. With this, the nominee can easily claim online.

Get a facility of Rs 7 lakh

EPFO members also get the facility of insurance cover under the Employee Deposit Linked Insurance Scheme (EDLI Insurance Cover). A maximum insurance cover of Rs 7 lakh is paid to the nominee in the scheme. If the member dies without any nomination, then there are difficulties in processing the claim. So let’s know how to fill nomination online.

This is how you can do e-nomination in EPF / EPS

• For EPF/EPS nomination, first go to the official website of EPFO ​​https://www.epfindia.gov.in/
• Now here in Services section click on FOR EMPLOYEES and click on Member UAN/Online Service (OCS/OTCP)
• Now a new page will open on that login with UAN and password
• Select E-Nomination under Manage Tab. By doing this, the Provide Details tab will appear on the screen, then click on Save. 
• Now click on Yes for family declaration, then click on Add family details (Here you can add more than one nominee.
• Here click on Nomination Details for total amount share, then click on Save EPF Nomination.
• Now click on E-sign to generate OTP here, now enter OTP on registered mobile number linked in Aadhaar.
• By doing this, your e-nomination gets registered with EPFO. After this you do not need to send any hard copy document.

There can be more than one nominee

Let us tell you that PF account holders can also make more than one nominee. Nomination details have to be given according to how much amount is to be given in this. Apart from this, you should know that the PF account holder can only make his family members as nominees. If there is no family, then there is the freedom to nominate another person, but the nomination of the non-family member is canceled after the family is found. 

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Many employees across the country deposit some part of their salary in their PF account as provident fund. This amount is very useful in retirement and sometimes in unwanted situations. The amount deposited by the employees in their PF account, the same amount is deposited in the account by the employer organization.

How to check your passbook balance?

Many employees working in the private sector keep changing their organization from time to time, so their PF account number also keeps changing. In such a situation, they can see the total amount deposited in their PF account by logging in through UAN number. You can easily access the passbook of your PF account by logging in with the UAN number.

E-nomination made mandatory

If you want to access your passbook by visiting the EPFO ​​website, then you have to do e-nomination first. A pop-up window for e-nomination appears on the website as soon as you open the passbook page.

In this, if you do not file e-nomination, then this pop up window does not proceed beyond the website page. Hence, it is now mandatory for the account holders to do e-nomination, otherwise they will not be able to access their passbook account.

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The Pension Fund Regulatory and Development Authority (PFRDA) has recently made several changes for the National Pension System subscribers and pensioners. Here we are telling 5 changes in NPS rules that NPS account holders should know.

1. Now the commission will be available on opening

the account, the Point of Presence (PoP) opening the account of NPS will get the commission. POPs include banks, NBFCs and other entities. They register people in NPS and provide many more facilities to the subscribers. From September 1, 2022, POP will get commission from Rs 15 to Rs 10 thousand on opening the account.

2. Changes in the process of e-nomination

As per the new procedure, now the Nodal Office will have the option to accept or reject the one-time e-nomination request. If the nodal officer does not decide on the e-nomination within 30 days from the date of application, the request will be accepted through the Central Recordkeeping (CRA) system. This new rule is effective from 1 October.

3. No separate form for annuity plan

At the time of maturity, no separate form will be required to purchase annuity. IRDAI has taken this decision to relax the onboarding process for APS subscribers. Now exiting the NPS scheme will be treated as an offer to buy annuity from life insurance companies.

4. The process of submission of life certificate will be easier

IRDAI has asked insurance companies to simplify the process of submission of life certificate. It has asked insurance companies to follow Aadhaar based authentication or verification of life certificate.

5. Now Contribution will not be able to be made in Tier-II Account by Credit Card PFRDA has decided to stop the facility of payment of Contribution through Credit Card by making major changes in Tier-II Account of APS. PFRDA had given this information through a circulation on August 3. After this decision of PFRDA, the facility of payment by credit card for Tier-I account of NPS will continue, while for Tier-II account payment by credit card will no longer be possible. It is noteworthy that earlier the contribution could also be made through credit card in Tier-II account also.

What is NPS

Significantly, NPS is a government retirement savings scheme, which was launched by the central government in the year 2004. Since 2009, this scheme was also opened to people working in the private sector.

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The last date was 31st December 2021 which has been extended. However, now no deadline has been fixed for e-nomination. Let us tell you that every member of EPFO ​​gets the facility of insurance cover under the Employee Deposit Linked Insurance Scheme.

In this, a maximum of Rs 7 lakh is paid to the nominee under the insurance cover. Let us tell you that in the year 2021, the limit of Insurance Amount given under the Employee Deposit Linked Insurance Scheme, 1976 (EDLI Scheme) has now been increased from Rs 6 lakh to Rs 7 lakh.

Under the latest amendment, now the claim of this insurance cover will be 35 times of the last basic salary + DA, which was 30 times earlier. Also, now there will be a maximum bonus of Rs 1.75 lakh, which was earlier Rs 1.50 lakh. This bonus is considered to be 50 percent of the average PF balance during the last 12 months.

For example, if the basic salary + DA for the last 12 months is Rs 15000, then the insurance claim (35 x 15,000) + 1,75,000 = Rs 7 lakhs. This is the maximum claim.

The post Good news for EPFO ​​account holders, EPFO ​​is giving benefit of Rs 7,00,000 for free, know how to get benefit…! first appeared on Rightsofemployees.com.

If you do not file e-nomination then you will not be able to avail many online facilities of EPFO ​​including PF balance. The EPFO ​​had told that if an EPF member wants to change the existing nomination in EPF / EPS, then he can file a new nomination. As soon as a new nomination is filed, the old nomination will stand cancelled.

Nominee can be more than one member

In the e-nomination process, an employee can nominate more than one member of his family. If the employee dies in future by not doing e-nomination, then his money deposited in the PF account will get stuck. Then, his family members will find it difficult to withdraw this money.

If you want to do e-nomination then you need to have UAN and password. If you have both these things then you have to update your profile photo. If you want to make a nomination without your profile picture, then you will see this message ‘Enable to process’. So you first update your profile photo.

Know how to do e-nomination in EPFO

Step 1: First of all you have to go to epfindia.gov.in. Then login with the help of your UAN and password.

Step 2: Go to the ‘Services Tab’. Click on the ‘For Employees’ tab from the drop-down menu.

Step 3: Select ‘e-Nomination’ from the ‘Manage’ tab. Then enter your permanent and temporary address.

Step 4: Select ‘Yes’ to change the family declaration.

Step 5: Enter nominee details. You will also have to enter the photo of the nominee. Then click ‘Save’.

Step 6: Click on ‘Proceed’.

Step 7: Enter your Aadhaar number. Then OTP will come on your registered mobile number. After entering the OTP, the process of e-signing will be completed.

The post EPFO e-nomination Alert ! If you deposit money in PF, then know how you can do e-nomination of EPFO, otherwise money will get stuck first appeared on Rightsofemployees.com.

EPFO 5 New Update 2022

On the Unified Member Portal, PF members get the benefit of online services related to their PF account and can do many types of PF related work online while sitting at home. EPFO keeps making various updates on Unified Member Portal from time to time to make its facilities more simple and in the beginning of 2022 we got to see some such new updates on Unified Member Portal, where from Forward Password to If some new changes are seen till the Advance PF claim, then let’s know about those five new updates.

Exemption For PF Passbook And Advance PF Claim Without E-Nomination

Some time back EPFO ​​made e-nomination mandatory for viewing passbook and claiming advance PF. PF members who did not have e-nomination file in their UAN account were not able to view their PF passbook and were not able to claim advance PF under all types of advance para. But the Unified Member Portal of EPFO ​​was not able to work due to overload, in such a situation it was not possible to nominate crores of PF members of the country in a reasonable time, in view of this, EPFO ​​​​without e-nomination to view PF passbook and advance. Exemption has been given in claiming. Now you can view your passbook and submit advance PF claim without filing e-nomination.

Login Made Easy On Unified Member Portal

To login on the Unified Member Portal , one had to enter the captcha code along with the UAN number and password, but EPFO ​​has simplified the login process on the Unified Member Portal. According to the new process, now you can directly login by just entering your UAN number and password, you will not need to enter the captcha code. Apart from this, when you login to the Unified Member Portal, you will get to see a new update, only the UAN number and name will be shown in the member profile, all the other information has been hidden which you will be able to see by clicking on the + plus icon.

Download UAN Card Along With Pension Certificate And Scheme Certificate From Digi Locker DG Locker is a digital medium where you can access and download your various documents. Documents saved in DG Locker are valid everywhere, you do not need to carry physical documents with you. Before Digi locker, only UAN card facility was available but now PF members will be able to download scheme certificate and pension certificate from Digi locker.

No Last Date To File EPF Nomination

There was a competition all over the country regarding EPF e-nomination and everyone was busy in filing their e-nomination, so many such rumors also arose, in which the last date of e-nomination was told, but EPFO ​​did Refuting such reports, it has been told that no last date or deadline has been announced by EPFO ​​to file nomination in PF account.

Covid-19 Claim Is Not Being Settled In 72 Hours

One bad news for PF subscribers at present is that Kovid-19 Advance PF claim is currently not being settled within 72 hours, due to the lockdown in the Corona period 50% stops in PF office, In such difficult times, EPFO ​​made a new ADVANCE PARA of Outbreak of Kovid-19, under which Advance PF claim is automatically settled within 72 hours, but from the beginning of 2022, Kovid-19 Advance PF claim settlement in 72 hours It is not happening, behind which it is being told that there is some problem in the technique of automatic system of EPFO, due to which the claim is not being settled automatically.

The post EPFO 5 New Update 2022: Know Complete Details About 5 New Updates Of EPFO first appeared on Rightsofemployees.com.

If you log in to UAN account to file e-nomination and profile photo is not displayed in your ID, you will get the message “Unable to proceed”. Hence it is advised that you first upload your profile picture in your UAN member portal. After this complete the process of EPFO ​​e-nomination.

How to upload photo in e-nomination

1. Log on to the official portal of EPFO ​​with your UAN member ID
2. In the menu section drop down and click on View
3. Now choose profile
4. After this, in the left side you will see the details of your profile and profile photo change option
5. Select photo in prescribed format by EPFO
6. Upload your photo and select OK

keep these things in mind

• Before uploading your profile photo, get information about its size, format and other details.
• According to EPFO, these things are necessary for your profile photo.
• Photograph should be taken with digital camera.
• The photograph should be limited to the size of 3.5 cm x 4.5 cm before uploading.
• The face (80% of the image) should be prominently visible in the photo and both the ears should be visible.
• Image should be in JPEG or JPG or PNG format.

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