After leaving India
A locked-but-still-growing EPF balance keyed to your UAN, most departed members have no idea it exists, that it is still earning, or that the EPS slice may be forfeit.
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Every line below is drawn from the verified country dossier. We never fabricate facts; candidate items are gated out of customer-facing copy.
Personal-record access wall: EPFO member portal, activated UAN + Aadhaar Face Authentication (UMANG) + Indian-mobile OTP (steep for departed expats)
A public establishment search exists at EPFO, but it is captcha-gated and built around the Indian-mobile + Aadhaar credential stack. The structural reality is that EPF entitlements are keyed to the UAN, a single lifelong number linking every Indian job, and a departed member who never activated their UAN often does not realise an active, dividend-earning balance is sitting under it.
IN↔AE (EPF Para-69 + UAE gratuity, both claimable NOW, cleanest conversion story); IN↔UK/SG/CA.
Primary sources: epfindia.gov.in · Finance Act 2015 s.126
Everything above is drawn from the verified India dossier. The India country page sets out what we identify, what it costs and who it is for.
The wall here is credential-shaped, not distance-shaped: UAN activation, Aadhaar Face Authentication and Indian-mobile OTP are the access barriers that bite hardest on departed expats.
Inoperative + 7 unclaimed years → swept to the Senior Citizens Welfare Fund → refundable for 25 years from transfer → then escheats to the Central Government (Finance Act 2015 s.126), the only statutory extinguishment found.
No. We identify the scheme and access route. We do not advise on transfer, consolidation, drawdown, or taxation, those decisions belong with a regulated adviser in your country of residence.
Full refund. Our report is a fixed $99 fee; if it delivers nothing material, you pay nothing.