Check UAN, KYC, nominees, scheme choices and claim documents before you retire or change jobs.
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How to use it. Work through the groups in order, ideally a year before you retire and again whenever you change jobs. Ticks are saved only in this browser. The order follows where problems usually start: records first, because a mismatch between Aadhaar and EPFO data or a second UAN can hold up every later claim; then nominees, which matter most if something happens before you claim; then the numbers and the scheme choices.
Why records come first. EPFO and the NPS recordkeeping agencies settle most claims online, and the online route depends on KYC data matching exactly. Fixing a date of birth or a name through a joint declaration can take weeks, so do it while you are still employed and your employer can approve it.
Worked example. Suppose you plan to retire at 58 in March 2028. By March 2027 you should have one UAN, a clean passbook showing every employer, e-nomination done, and an estimate of your EPS pension using the EPS pension calculation guide. In the last three months compare annuity quotes and decide how much NPS money to take as a lump sum.
Limits. The list does not cover tax planning or estate planning. See the common pension mistakes guide for what goes wrong most often.
Pension calculations and checklists
How much you pay into Atal Pension Yojana by age, what pension and corpus your family gets, who can join, late-payment penalties and what happens if you stop.
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
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.
