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The exact same thing happened to me in my previous organisation.in this case you have to withdraw your eps fund.since you are working employees you cannot do it yourself. In that case, you have to reach KPMG and ask them to raise an eps withdrawal request on behalf of you directly to the epfo team.They will submit all the required documents self attested by you.Once this request is approved by the EPFO team, you will get your fund credited in your account.The whole process took me around 2months.
Ok.. I will reach out to the finance team. What documents are to be attached so that KPMG knows to fill the form 3a?
If you could please guide 🥺, it will be helpful
KPMG HR team will let you know about the documents. In my case I had to provide an error snapshot of the epf transfer request , cancelled cheque, epf passbook, adhar card and Pan card.all should be self attested.
I went through something similar a while back, and these situations really shake your confidence because you assume anything tied to an employer or insurer should “just work.” In reality, most corporate benefits (whether PF-linked processes or health insurance) are structured around the employer, not the individual. When something goes wrong, you’re often stuck figuring out fine print that was never clearly explained.
I faced this more on the health insurance side after switching jobs. On paper, the corporate cover looked decent, but once I started digging, I realised how many gaps show up when you actually need to make a claim—or when you leave the company altogether. That’s when I used BimaScore and Bima Analyze for my personal policy. What helped me was the clarity: a simple 400–1000 score and a breakdown based on real-world factors, without uploading documents or relying on a salesperson’s explanation.
It didn’t magically fix the system, but it helped me understand where I stood and what backup I needed outside employer-linked setups. If you want that kind of clarity for health cover, you can check it here: [https://bimascore.com/a8lmv6](https://bimascore.com/a8lmv6)