Claim rejections, UAN and transfer errors, common pension mistakes, and how to complain to EPFO, PFRDA and others.
Most retirement money in India is not lost to bad investments. It is delayed or reduced by paperwork: a name spelled differently in Aadhaar and the EPFO records, a second UAN created by a new employer, a nominee never registered, a claim filed for the wrong form, or an NPS exit started without updated bank details. A smaller group of mistakes cost real money, such as withdrawing EPF at every job change or buying an annuity without comparing options.
This section collects those patterns and the official ways to fix them. Start with the common pension mistakes guide. Then read about EPF claim rejections, EPF transfers and UAN problems at job change, complaining to EPFO through EPFiGMS, NPS grievances through CGMS and PFRDA and the list of official pension sources.
When you complain, keep a record of every reference number and date. Each body has an escalation ladder, and the next step usually requires proof that you tried the previous one.
Mistakes, grievances and official sources
The EPF, EPS, NPS and annuity mistakes that most often cost Indians money or months of delay, with what to do instead and where to go when something has already gone wrong.
Mistakes, grievances and official sources
File a PF or EPS pension grievance on EPFiGMS, write a complaint that gets resolved, track it, and escalate to the regional office, outreach camps or CPGRAMS when needed.
Mistakes, grievances and official sources
The simplified EPF partial withdrawal rules from October 2025, final settlement after leaving a job, and the most common reasons claims are rejected, with how to fix each one.
Mistakes, grievances and official sources
What happens to your PF and EPS when you change jobs, how to transfer online, merge duplicate UANs, fix a missing exit date, and why transferring beats withdrawing.
Mistakes, grievances and official sources
How to raise an NPS, APY or NPS Vatsalya grievance through your CRA's CGMS, what timelines apply, when to escalate to NPS Trust and PFRDA, and where annuity complaints go.
Mistakes, grievances and official sources
The official websites, regulators and laws behind India's pension schemes, what each one is the authority for, and how to check a rule or rate before you rely on it.
