In July 2025, the EPFO launched a dedicated mechanism for employees and retirees to address a long-standing issue—eps‑95 missing contributions claim. These discrepancies, often caused by employer errors, unlinked service records, or outdated documentation, have left many EPS‑95 pensioners with lower pension amounts than they deserve.
The government’s move to introduce a formal Arrears Claim Process India 2025 is a major step toward resolving these financial injustices. For the first time, pensioners and active employees can now file structured claims to retrieve missing EPS contributions and adjust their future pension calculations accordingly.
If you suspect your contributions were underreported or not recorded between 1995 and 2014, this article will guide you through the steps to file a successful claim and ensure your pension amount is updated accurately.
Understanding the EPS‑95 Missing Contributions Issue
The EPS‑95 scheme mandates employers to contribute a portion of the employee’s salary toward their pension. However, in many cases:
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Employers submitted incorrect salary figures
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Service periods were not updated in the UAN
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Transfers between companies were not recorded
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Paper records were never digitized
These lapses created a large pool of pensioners receiving reduced payouts due to incomplete service records or underreported wages.
The eps‑95 missing contributions claim process now provides an official channel to fix these errors and recover arrears due from earlier years.
Who Is Eligible to File a Claim?
Under the Arrears Claim Process India 2025, the following categories of individuals are eligible to submit EPS‑95 arrears claims:
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Retired employees under EPS‑95 receiving pension
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Active employees enrolled before September 1, 2014
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Widows or dependents of EPS‑95 subscribers
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Individuals whose EPF contributions are correct, but EPS is not reflecting properly
Eligibility is determined based on:
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Date of enrollment into EPS‑95
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Proof of continuous service or job transitions
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Verified wage slips, PF statements, and employer declarations
Applicants must ensure that their UAN is active and Aadhaar is linked to their EPFO records before initiating the eps‑95 missing contributions claim.
How to File EPS‑95 Arrears Claim – Step-by-Step Process
To simplify the process, the EPFO has introduced both online and offline channels for filing EPS‑95 missing contribution claims.
| Step | Process Details |
|---|---|
| 1 | Gather documents: salary slips, joining letters, old PF account statements |
| 2 | Visit EPFO portal or nearest PF office |
| 3 | Download and fill the “EPS‑95 Arrears Verification Form” |
| 4 | Submit the form with employer verification or past service certificate |
| 5 | Attach Aadhaar, PAN, UAN statement, and passbook copy |
| 6 | Submit claim online (via UMANG app/EPFO portal) or in person |
| 7 | Receive claim reference number and track it via the EPFO dashboard |
This Arrears Claim Process India 2025 allows claims to be verified and settled within 60 days, provided documents are complete.
Key Considerations While Filing
The eps‑95 missing contributions claim is a one-time opportunity for many pensioners to correct their records. To ensure a successful claim:
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Obtain service continuity certificates from previous employers
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Request employer endorsement if past wage data is not digitized
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Confirm service periods in your EPF statement match actual tenure
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Cross-verify your EPS records with the contribution ledger (available in UAN portal)
Once your claim is verified and approved, the arrears will be disbursed and your pension recalculated accordingly from the next payout cycle.
Conclusion
The eps‑95 missing contributions claim initiative marks a significant breakthrough for thousands of retirees across India. With the Arrears Claim Process India 2025, the government has finally recognized the need to resolve legacy discrepancies that have unfairly impacted pensioners for decades.
If you’re a beneficiary of the EPS‑95 scheme and suspect a mismatch in your pension, take action now. Gathering the right documents and submitting your claim before the end of 2025 can ensure you receive the arrears and a corrected pension amount going forward.
This timely intervention ensures dignity, fairness, and transparency for India’s workforce who contributed tirelessly over the years.
FAQs
What is the EPS‑95 missing contributions claim?
The eps‑95 missing contributions claim is a government process to help pensioners recover past contributions that were not recorded properly under the EPS‑95 pension scheme.
Who can apply for this claim?
Pensioners, active employees under EPS‑95, and dependents of deceased pensioners are eligible under the Arrears Claim Process India 2025.
What documents are needed to file the claim?
You need salary slips, UAN passbook, joining letters, employer verification, Aadhaar, and PAN to initiate the eps‑95 missing contributions claim.
How long will it take for the arrears to be paid?
Once the claim is filed and verified, EPFO aims to release arrears within 60 days as per the new Arrears Claim Process India 2025.
Can I file the claim online?
Yes. You can file the eps‑95 missing contributions claim through the EPFO portal or UMANG app, or submit it at your nearest EPFO office.
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