Many employees in India have a Provident Fund (PF) account that is managed by the Employees’ Provident Fund Organisation (EPFO). Over time, especially after changing jobs or retiring, some people forget about their old PF accounts. This leads to unclaimed PF amounts, which continue to earn interest but remain untouched.

If you think you might have unclaimed PF money, this article will show you how to claim unclaimed PF amount through the UAN (Universal Account Number) portal. We’ll also touch on unclaimed mutual funds in India and unclaimed insurance payouts, as many people are unaware of their financial entitlements.

What is an Unclaimed PF Amount?

An unclaimed PF amount is money that is lying idle in your old Provident Fund account. This can happen when:

• You leave a job but forget to transfer your PF.

• You don’t withdraw the amount after retirement.

• Your employer didn't update your UAN correctly.

• You lost track of your PF account details.

If your PF account has had no contributions or withdrawals for 36 months or more, the EPFO classifies it as inoperative, but it still earns interest.

Step-by-Step Guide: How to Check Unclaimed PF Amount Through UAN Portal

Step 1: Visit the UAN Portal

Go to the official UAN Member e-Sewa Portal:
https://unifiedportal-mem.epfindia.gov.in/memberinterface/

Step 2: Login with Your UAN and Password

Enter your UAN, password, and captcha code to log in.
If you don’t remember your password, use the “Forgot Password” option to reset it using your registered mobile number.

Step 3: Go to “Passbook” Section

Click on the ‘View Passbook’ link. You’ll be redirected to the EPFO passbook portal.

Step 4: Check Your Previous Employers

You will see a list of PF accounts linked to your UAN, including past jobs.
Check for any inactive accounts that still have a balance — these are likely your unclaimed PF amounts.

How to Claim Unclaimed PF Amount Through UAN Portal

Once you find the unclaimed amount, follow these steps to withdraw it:

Step 1: Update KYC (If Not Already Done)

Make sure your Aadhaar, PAN, and bank details are linked and verified in the UAN portal under the ‘Manage > KYC’ section.

Step 2: Go to ‘Online Services’

Click on ‘Online Services’ and then choose ‘Claim (Form-31, 19 & 10C)’.

Step 3: Verify Details

Your name, date of birth, and bank account details will be displayed. If everything is correct, click ‘Proceed for Online Claim’.

Step 4: Choose Claim Type

Select the relevant claim:

• Form 19 for PF final settlement

• Form 10C for pension withdrawal

• Form 31 for PF advance

Choose ‘Only PF Withdrawal’ if you’re claiming unclaimed PF amount from an old job.

Step 5: Submit Claim

Once submitted, you’ll receive a reference number. Your PF amount is usually credited to your bank account within 7–15 working days, if all details are in order.

What If You Don’t Have UAN?

If you don’t know your UAN:

1. Visit the EPFO UAN Helpdesk or ask your old employer.

2. Use your Aadhaar or PAN to track PF accounts via the EPFO website.

Unclaimed Mutual Funds in India

Just like PF, many people have unclaimed mutual funds in India due to forgotten investments or incorrect contact details.

To check:

• Visit the website of AMFI (Association of Mutual Funds in India) or the respective AMC (like SBI, ICICI, etc.).

• Provide PAN and other details to check for unclaimed units.

• Fill a reclaim request form and submit KYC documents to get your money.

Unclaimed Insurance Payouts

People often forget about insurance policies where the nominee never files a claim. This leads to unclaimed insurance payouts.

To check:

• Go to the IRDAI (Insurance Regulatory and Development Authority of India) website.

• Use the Integrated Grievance Management System (IGMS) or visit your insurer's website.

• Submit necessary documents to claim.

Final Tips

• Always keep your UAN activated and your KYC updated.

• Keep track of all your job changes and update your PF information accordingly.

• Use the UAN portal to transfer your PF whenever you change jobs to avoid losing track of old accounts.

Conclusion

Knowing how to claim unclaimed PF amount is crucial for every working individual in India. Through the UAN portal, the process is now simpler and fully online. At the same time, don’t forget to check for unclaimed mutual funds in India and unclaimed insurance payouts. These forgotten investments and entitlements can add up to a significant amount over time.

Stay aware, stay informed — and get back what’s rightfully yours.