IEPF Claim
Recover shares and dividends transferred to the IEPF
Shares and dividends unclaimed for seven consecutive years are transferred to the Investor Education and Protection Fund. They are not lost — Finvora...
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Asset Recovery
Unclaimed Provident Fund
Trace and withdraw dormant EPF balances
Provident fund accounts left behind at former employers stop earning interest after three years of inactivity. We trace old UANs, merge accounts and complete the withdrawal or transfer.
Changing jobs without transferring your provident fund leaves balances scattered across multiple member IDs. After three years without a contribution, an account becomes inoperative and stops earning interest — quietly eroding in real terms.
Finvora traces every member ID linked to your name, consolidates them under a single UAN, resolves KYC and date-of-exit mismatches with previous employers, and files the withdrawal or transfer claim with the EPFO.
Why clients choose Finvora for this
Full UAN tracing
We locate historic member IDs across employers, including those created before UAN was mandatory.
Employer coordination
Missing exit dates and unattested KYC are the usual blockers. We handle the employer follow-up.
Consolidation
All balances merged under one UAN so future withdrawals are a single, simple claim.
Nominee claims
We also handle death claims under Forms 20, 10D and 5-IF for surviving family members.
How the process works
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1
Free assessment
Share whatever paperwork you have. We verify the holding and tell you honestly whether a claim is worth pursuing.
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2
Documentation
We prepare every form, affidavit and indemnity, and tell you exactly what needs to be signed or notarised.
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3
Filing & follow-up
We file with the company, registrar, authority or lender and chase the file until it moves.
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4
Settlement
Funds or securities are credited directly to your account. You receive a closure report with every reference number.
Who is eligible
- You have worked with one or more EPF-registered employers.
- You suspect a balance remains with a former employer, or your passbook shows an unmerged member ID.
- You are the member, or the registered nominee or legal heir of a deceased member.
Documents required
- UAN and Aadhaar-linked mobile number
- PAN card and Aadhaar card
- Bank passbook or cancelled cheque in the member’s name
- Appointment and relieving letters from previous employers, where available
- Form 11 declaration and, for death claims, the death certificate and nominee proof
Frequently asked questions
No. The balance is never forfeited. It simply stops accruing interest after three years of inactivity, so the sooner it is claimed or transferred the better.
Yes. Where an employer no longer exists, the claim can be attested by a designated authority such as a bank manager, gazetted officer or magistrate. We manage that route.
A fully KYC-compliant online claim is typically settled in 20 to 45 days. Cases requiring employer attestation or member ID correction take longer.
Client stories
What clients say about this service
“Four employers across fourteen years, three of them with unmerged member IDs, and me sitting in the UAE. Finvora consolidated everything under one UAN and got the withdrawal processed. Being overseas was never an obstacle for them.”
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Start your claim
Start your Unclaimed Provident Fund with Finvora
Send us the details you have. We will confirm whether a claim is viable, what it costs and how long it takes — before you commit to anything.