When your EPF claim status shows ‘Payment Under Process’, it means your claim has been reviewed and approved by the Employees' Provident Fund Organisation (EPFO), and the payment file has been initiated to your bank. The backend system has generated the payment order, and the transfer is waiting to be completed via NEFT or direct bank credit. You can expect to receive the credited amount within 3 to 7 working days, depending on bank holidays, processing time, and NEFT batch cycles. 

Understanding EPF Claim Process 

Before we go deeper into the “Payment Under Process” status, it’s important to understand the full EPF claim lifecycle. 

Employees working in companies covered under the EPF Act contribute a part of their salary to the EPF account. Over time, this accumulates with interest. Upon resignation, retirement, or specific needs like marriage or medical emergencies, individuals can apply for a full or partial EPF withdrawal. 

There are multiple types of EPF claims: 

  • Final Settlement Claim (Form 19) 

  • Pension Withdrawal Benefit (Form 10C) 

  • PF Advance/Partial Withdrawal (Form 31) 

  • Transfer Claims (When changing employers) 

Once the claim is submitted online through the EPFO Member Portal or UMANG App, it undergoes the following stages: 

EPF Claim Status Stages – Step-by-Step 

Status 

Meaning 

Under Process 

EPFO has received your claim and is reviewing documents and eligibility. 

Approved 

The EPFO officer has approved the claim for payment. 

Payment Under Process 

The claim is approved, and payment file sent to the bank. Awaiting credit. 

Claim Settled 

Amount has been credited to your bank account. 

When your status is “Payment Under Process,” it’s at the final stage before disbursal. 

What Happens in the 'Payment Under Process' Stage? 

At this point: 

  1. The EPFO system creates a payment advice or file. 

  2. This is electronically transmitted to the banking partner (usually SBI or designated government banks). 

  3. The bank processes the payment via NEFT or RTGS to your linked account number. 

  4. Once the NEFT batch completes, the amount reflects in your account. 

The EPFO typically processes payments in batches, so depending on cut-off time, your payment might be included in the next NEFT cycle. 

How Long Does It Take for Payment to be Credited? 

In most cases, claimants receive the credit in 2 to 4 working days. However, the official range is: 

  • Minimum Time: 2–3 working days 

  • Maximum Time: 7–10 working days 

Processing Time Influencers: 

  • Weekends or bank holidays 

  • High volume of claims at month-end 

  • Delay in NEFT/RTGS batch transfer 

  • Incorrect or mismatched bank details (IFSC code or account number) 

How to Track the Status of EPF Claim? 

Via EPFO Member Portal: 

  1. Visit: https://www.epfindia.gov.in 

  2. Click on ‘For Employees’ > ‘Services’ > ‘Member UAN/Online Service (OCS/OTCP)’ 

  3. Log in using UAN and password 

  4. Click on “Track Claim Status” 

Via UMANG App: 

  1. Open UMANG App 

  2. Go to EPFO Services 

  3. Tap on “Track Claim” 

  4. Enter UAN and OTP 

Via SMS or Missed Call: 

  • Send SMS: EPFOHO UAN ENG to 7738299899 

  • Give a missed call to 9966044425 (linked mobile number only) 

What to Do If 'Payment Under Process' is Stuck? 

If the status remains unchanged for more than 7 working days, here's what you can do: 

1. Check Bank Account Credit 

  • Sometimes, even after credit, the portal may still show the old status. 

2. Verify Bank Account Details 

  • Log in to your EPFO portal and ensure: 

  • Account number is correct 

  • IFSC code is valid 

  • Bank account is KYC-approved 

3. Raise an EPFO Grievance Online 

If there's no progress, you can raise a complaint: 

  • Visit: https://epfigms.gov.in/ 

  • Click on “Register Grievance” 

  • Fill in UAN, name, mobile, and issue details 

  • Attach screenshot of status and submit 

4. Contact EPFO Support 

  • Toll-Free Number: 1800 118 005 

  • Also, try your regional EPFO office contact details (available on EPFO website) 

Real-World Scenarios of EPF Payment Processing 

Case Study 1: 

Ajay submitted an EPF Form 31 on Monday. On Wednesday, the status changed to “Payment Under Process.” He received the credit by Friday morning. 

Case Study 2: 

Seema waited for 10 days after seeing ‘Payment Under Process.’ Upon contacting EPFO, it was found that her bank IFSC code had changed due to a merger. The claim was rejected, and she had to reapply with updated details. 

Common Reasons for Delay Even After 'Payment Under Process' 

Reason 

Description 

Incorrect IFSC/Bank Details 

Payment fails if data mismatch occurs. 

Bank Closed 

Payment files may not get processed on public holidays. 

NEFT Timing Cutoff Missed 

If EPFO sends after NEFT hours, payment gets pushed to next day. 

Bank Merged 

IFSC codes may have changed post-merger (e.g., SBI, Andhra Bank). 

Tips for Smooth Claim Settlement 

  1. Always update KYC (Aadhaar, PAN, bank) before claim submission. 

  2. Use registered mobile number and valid UAN for login. 

  3. Keep an eye on the status via EPFO portal or UMANG app daily. 

  4. Avoid submitting claims before long weekends or bank holidays. 

  5. If you're unsure about your account details, get them verified by your employer. 

Conclusion 

If your EPF claim status shows ‘Payment Under Process’, it is a good sign that your claim is in the final payout phase. You typically do not need to worry, as most payments are processed within a week. However, always ensure your bank details are correct and KYC is complete to avoid delays. 

If the payment takes longer than 7 working days, you can raise a grievance with EPFO online or contact them directly to resolve the issue. 

 

Disclaimer: This content is for informational purposes only and may not reflect the most current data. Please verify with official sources before making any decision