Trace and Claim Lost Pensions

Rs 37,300 crore available for claim

Check if your pension is managed by the Pension Fund Regulatory and Development Authority (PFRDA) or the Employees’ Provident Fund Organisation (EPFO).

PFRDA is the regulator of the National Pension System (NPS) in India. NPS is a government-backed, voluntary defined contribution scheme, whereby benefits a subscriber receives depend on contributions made and the returns on that investment.

If your pension is managed by the PFRDA, you can claim your lost benefits by logging into your National Pension System (NPS) account and submitting a request for a missing contribution. You’ll need to provide details such as your name, date of birth, and Permanent Retirement Account Number (PRAN).

Unclaimed Pensions - PFRDA

Note: Protean eGov Technologies is the Central Recordkeeping Agency (CRA) for the National Pension System. For assistance go to:

The Employees’ Provident Fund Organisation (EPFO) under the Ministry of Labour and Employment, is responsible for administering the Employees’ Provident Fund (EPF). EPF is a retirement benefit scheme for organized sector employees in India, enabling employees to save part of their salary for retirement.

Under the EPF scheme, both the employee and employer make monthly contributions towards the employee’s retirement savings account. The contribution rate is currently set at 12% of the employee’s basic salary plus dearness allowance. The EPFO manages the contributions made by the employees and employers and invests them in various financial instruments such as government bonds, corporate bonds, and equities, among others.

The EPFO holds a substantial cache of unclaimed money. Accounts are considered dormant and stop earning interest three years after the last contribution if no withdrawal is made. After 7 years money is transferred to Senior Citizens’ Welfare Fund (SCWF), where it may be reclaimed for a period of 25 years.

Apart from the EPF scheme, the EPFO also administers two other social security schemes – the Employees’ Pension Scheme (EPS) and the Employees’ Deposit-Linked Insurance Scheme (EDLI).

The EPS provides a pension benefit to employees who have completed 10 years of service. The EDLI provides a life insurance benefit to the employees’ nominees in case of their untimely death while in service.

On the EPFO website, employees and employers can access a range of online services related to their EPF account, including checking their EPF balance, downloading their EPF passbook, submitting EPF claims, and linking their Aadhaar card to their EPF account.

In addition to the EPFO’s main website, there is also a separate website for the Unified Portal, which is used by employers to manage their EPF accounts. The Unified Portal website is