Part B – ETK

Endowment policy survival benefit not credited First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Claim-Ready From Day One) First Steps — Verify & Initiate 1 Identify the survival benefit schedule in your policy document: the policy schedule or benefits table shows which years have payouts and the amounts. Confirm the payment date for the missed survival benefit. 2 Check the insurer’s portal for the survival benefit payment status — most insurers have transaction history available online. 3 Verify your registered bank account with the insurer — survival benefit credits go to the account on record. 4 For LIC money-back policies: survival benefits are typically credited automatically to your registered bank account. If not received, visit the servicing branch with your policy number. 5 Check whether your policy has entered a ‘paid-up’ status due to a lapsed premium — paid-up policies still pay survival benefits but at a reduced amount. Follow-up Steps — Next 2–4 Weeks 1 If the bank account on record is incorrect or closed: submit a bank account update request with the insurer immediately along with a claim for the missed survival benefit. 2 For older LIC policies where direct credit was not available: some survival benefits were paid by cheque. Check with the branch whether an uncashed cheque exists in your name. 3 File a formal claim for the missed survival benefit — submit the claim form, identity proof, and correct bank details. 4 Request the insurer to backdate the credit to the original due date and pay interest for the delay period (2% above bank rate per day beyond 30 days of claim submission). 5 If multiple survival benefits were missed (you discovered this late): compile the complete list with due dates and amounts and submit a consolidated claim. Escalation — If Still Unresolved After 30 Days 1 File a complaint with the insurer’s Grievance Redressal Officer specifying the policy number, survival benefit due dates, amounts, and the failure to credit. 2 Escalate to IRDAI Bima Bharosa (bimabharosa.irdai.gov.in). 3 File with the Insurance Ombudsman — survival benefit non-payment is a clear-cut case that Ombudsmen resolve quickly. 4 For LIC: file on pgportal.gov.in under Ministry of Finance. 5 Consumer forum for compensation beyond interest if financial hardship was caused by non-receipt. Prevention — Claim-Ready From Day One ✓ Note all survival benefit dates from your policy document in a calendar — track them annually. ✓ Verify your bank account with the insurer is current — update it after every bank account change. Ensure that the bank account name, PAN card, and policy document match character-for-character or submit a bank-attested cancelled cheque with full account holder details prior to maturity. ✓ Check your insurer’s portal every year to confirm survival benefits are being credited on schedule. ✓ Consolidate all your insurance policies in one insurer’s portfolio view — some portals show all policies and their payment schedules in one place. Watch Video Guide Your browser does not support the video tag. Your Rights Survival benefits are contractual obligations of the insurer — not discretionary payments. IRDAI regulations require payment within 30 days of the due date (or of claim submission if the insurer requires a claim form). Interest at 2% above bank rate is payable for delays. For automatic-payment policies, the insurer’s failure to credit on the due date is itself a regulatory violation — no claim form is needed to establish the violation. Also, under the IRDAI 2024 PPHI Master Circular framework, if an insurer fails to comply with or execute an Ombudsman award within 30 days, they must pay a statutory penalty of ₹5,000 per day of delay directly to the complainant. Key Contacts & Portals Who / What Contact / Action Your insurer’s portal Check policy status and survival benefit schedule online LIC Customer Service licindia.in | 022-68276827 IRDAI Bima Bharosa bimabharosa.irdai.gov.in | 155255 Who / What Contact / Action Insurance Ombudsman irdai.gov.in/web/guest/find-ombudsman pgportal.gov.in Ministry of Finance — for LIC

Builder delaying possession of flat beyond promised date First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Protect Your Property Rights) First Steps — Verify & Initiate 1 Verify the agreed possession date: check your builder-buyer agreement or allotment letter — the possession date should be explicitly stated. If there is a ‘force majeure’ or ‘extension’ clause, note the conditions under which it applies. 2 Calculate the delay in months from the agreed possession date to today — this is the basis for interest calculation. 3 Check whether the builder has registered the project on your state’s RERA portal — all projects in which construction began after May 1, 2017 must be registered. Check at your state’s RERA website. 4 Obtain a copy of the builder’s RERA registration — it shows the committed completion date, the number of units, and the builder’s obligations. 5 Send a formal written notice to the builder requesting a confirmed possession date within 30 days — this creates a paper trail. Follow-up Steps — Next 2–4 Weeks 1 If the builder offers a revised possession date: get it in writing. Each extension narrows the builder’s position and strengthens yours. 2 Calculate the interest you are owed for the delay period: (Total amount paid to builder × (MCLR + 2%)) ÷ 12 × months of delay. Important: interest runs from the date of each payment to the builder — not just from the agreed possession date. If you paid ₹10 lakh in 2019 and ₹30 lakh in 2021, each tranche accrues interest from its own payment date, which typically results in a higher total interest than a flat calculation from one date. Current RERA interest rate: SBI 1-year MCLR (approximately 8.95–9.05% as of mid-2026) + 2% = approximately 10.95–11.05% per annum. This rate is confirmed by the Supreme Court in Bikram Chatterji v. Union of India (2022) as the applicable benchmark replacing the old base rate. 3 For projects under IBC (insolvency): if the builder is insolvent and an IRP has been appointed, register as an ‘Allottee’ financial creditor through the IRP — homebuyers have financial creditor status under the amended IBC. 4 If you want to exit: you are entitled to a full refund plus interest at MCLR + 2% under RERA Section 18. This is a powerful right — you do not have to wait indefinitely for possession. 5 Connect with other buyers in the same project — collective complaints are more powerful and some RERA orders apply to all affected buyers simultaneously. Escalation — If Still Unresolved After 30 Days 1 File a complaint with your state’s RERA Authority — state RERA portals allow online complaint filing. RERA orders are enforceable as civil court decrees. 2 If the RERA order is not complied with within 45 days: file a RERA Execution Application under Section 40 of the RERA Act. RERA will then issue a Recovery Certificate (RC) to the District Collector, who is empowered to execute the recovery by attaching the builder’s bank accounts, properties, and other assets and recovering the amount as arrears of land revenue. This is the most powerful enforcement mechanism under RERA and is significantly more effective than leaving the order unenforced. 3 File with the NCDRC (National Consumer Disputes Redressal Commission) or state consumer forum — both have jurisdiction over builder-buyer disputes. 4 For insolvent builders: file with NCLT (National Company Law Tribunal) as a financial creditor under IBC. Important statutory threshold: following the Supreme Court ruling in Manish Kumar v. Union of India (2021) upholding the IBC Amendment Act, an individual homebuyer cannot single-handedly initiate insolvency proceedings against a builder at NCLT. The IBC requires a joint application by at least 100 allottees OR 10% of the total allottees in the same real estate project, whichever is less. Individual buyers are strongly advised to focus on RERA Section 18 (refund with interest) and Consumer Commissions (NCDRC/SCDRC) as primary remedies rather than pursuing NCLT alone. 5 Collective action: approach RERA with a joint complaint from multiple buyers — RERA can issue project-level orders affecting the entire project. Prevention — Protect Your Property Rights ✓ Verify RERA registration of any project before booking — this is mandatory for all projects with 8+ apartments or 500 sq m+ land. Also verify compliance with RERA Section 13(1): the builder cannot demand or receive more than 10% of the apartment cost before executing a registered agreement for sale. If the builder collected more than 10% without a registered agreement, this is an independent RERA violation that strengthens your position significantly. ✓ Read the possession date clause and the builder’s liability for delay clause in the agreement before signing. Under RERA Section 14(3), the builder is liable for all structural defects for 5 years from the date of possession at no cost to the buyer — document any structural issues in writing within this window. ✓ Check the builder’s track record on past project deliveries and litigation history. ✓ Pay instalments linked to construction milestones (construction-linked plan) rather than time-based plans — this reduces your exposure if construction stalls. ✓ Join buyer associations for the project after booking — collective action is far more effective than individual complaints. Watch Video Guide Your browser does not support the video tag. Your Rights Under RERA Section 18, the builder must pay interest at MCLR + 2% for every month of delay, or refund the full amount with the same interest if the buyer chooses to exit. Under IBC (amended 2018), homebuyers are financial creditors — not merely unsecured creditors. RERA orders are executable as civil court decrees — the builder cannot simply ignore them. RERA has suo motu powers to act against non-compliant builders even without a complaint. Key Contacts & Portals Who / What Contact / Action Your State RERA rera.[yourstate].gov.in — file complaint online MahaRERA (Maharashtra) maharera.mahaonline.gov.in RERA UP rera.up.nic.in Who / What Contact / Action RERA Karnataka rera.karnataka.gov.in NCDRC ncdrc.nic.in — national

Relieving Letter / Experience Letter Withheld First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Know Your Rights Before You Leave) First Steps — Verify & Initiate 1 Send a formal written email request to HR specifying: your last working day, the date you submitted your resignation, the notice period served, and the specific documents requested (relieving letter and experience/service letter). 2 Reference your employment contract — most contain a clause on documentation at exit. If it does not, industry practice and court precedent support your entitlement. 3 Confirm all company assets are returned and acknowledged — this removes the employer’s most common justification for withholding. 4 Confirm your F&F settlement is completed or, if disputed, that the dispute is being handled through proper channels — asset return and F&F completion are the two legitimate conditions employers may impose before issuing relieving letters. 5 Escalate within the organisation: if HR is unresponsive, write to your former manager, HR head, and the company’s CEO/MD. Follow-up Steps — Next 2–4 Weeks 1 If the employer cites a pending background verification as the reason: inform your new employer directly — most companies perform background checks themselves and do not need you to wait for the old employer. 2 If the employer is withholding documents as part of an F&F dispute: offer to resolve the F&F dispute through mediation or mutual agreement — propose a specific meeting date. 3 Send a registered legal notice demanding issuance of documents within 15 days — the cost of a legal notice (₹2,000–₹5,000) is often enough to trigger compliance. 4 Contact your new employer proactively and explain the situation — most understand this is common and can proceed with alternate verification methods. 5 Document every request: date, mode, recipient, and any response received. Escalation — If Still Unresolved After 30 Days 1 File a complaint with the District Labour Commissioner — withholding documents that prevent future employment can be characterized as interfering with livelihood. 2 File a complaint in the consumer forum or civil court for damages caused by the withholding (e.g., delayed joining at new employer). 3 Approach the High Court under Article 226 for a mandamus to issue documents — courts have granted relief in cases of wrongful withholding of service certificates. 4 File on Shram Suvidha (shramsuvidha.gov.in) for labour-related documentation disputes. Practical faster channel: most state Shops and Establishments Acts (including Maharashtra, Karnataka, Telangana, and others) explicitly mandate that employers issue service records and experience letters to employees on exit. Filing a complaint with the Inspector of Shops and Establishments in your district is significantly faster and cheaper than a civil court or writ petition — do this before escalating to High Court. Find your local Inspector at your state labour department website. Prevention — Know Your Rights Before You Leave ✓ Serve your full notice period — employers have a stronger basis to withhold documents if notice was not served. ✓ Obtain an acknowledgment of your resignation acceptance and notice period completion in writing before your last day. ✓ Return all assets promptly and get written acknowledgment — remove any legitimate grounds for document withholding. ✓ Maintain a copy of your appointment letter, all payslips, and any performance documentation independently — you can reconstruct your employment record even without the employer’s documents. Watch Video Guide Your browser does not support the video tag. Your Rights While no single Indian statute specifically mandates a relieving letter, courts have held that an employer who prevents an employee from joining a new employer by withholding service documents is liable for damages. The right to earn a livelihood (Article 21 of the Constitution) has been interpreted to include the right to documentary evidence of employment. Courts have granted injunctions against employers who use document withholding as coercion. Key Contacts & Portals Who / What Contact / Action District Labour Commissioner Labour department — your district Shram Suvidha Portal shramsuvidha.gov.in | 14567 Who / What Contact / Action High Court For writ petition under Article 226 — engage a lawyer Legal Aid nalsa.gov.in | 15100

Income tax refund not received despite ITR processing First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (File Right, Get Refunded Faster) First Steps — Verify & Initiate 1 Log into the Income Tax portal (incometax.gov.in) with your PAN credentials and go to ‘e-File > Income Tax Returns > View Filed Returns’ — check the ‘Refund Status’ for the relevant assessment year. 2 Common status messages and what they mean: ‘Refund Issued’ — the IT department has sent it; check with your bank. ‘No Refund Payable’ — either no refund is due or it was adjusted against a demand. ‘Refund Re-issue Requested’ — a previous credit failed. ‘Refund Expired’ — a warrant lapsed; you need to request re-issue. 3 If status shows ‘Refund Issued’: go to the NSDL Refund Status Tracker at tin.tin.nsdl.com/oltas/refundstatuslogin.html (also accessible via incometax.gov.in > Services > Know Your Refund Status) and enter your PAN and assessment year — this shows the exact payment date and bank details the IT department sent the refund to. 4 Verify your pre-validated bank account: go to incometax.gov.in > Profile > My Bank Account — confirm your bank account is ‘Pre-Validated’ and ‘ECS Enabled.’ If the account status is ‘Validation Failed’, the refund cannot be credited. 5 Check whether the refund was adjusted against an outstanding tax demand — the portal shows any adjustment under ‘Outstanding Demand.’ If adjusted without your knowledge, you have the right to dispute it. Income Tax assessees should check the “Response to Outstanding Tax Demand” tab on the portal and submit a response within 30 days to freeze automatic adjustment. Follow-up Steps — Next 2–4 Weeks 1 If bank account validation failed: re-validate the account on the IT portal. Go to ‘Profile > My Bank Account > Add/Update Bank Account’ and submit with correct IFSC and account number. Once re-validated, request a ‘Refund Re-issue’ from the portal. 2 To request Refund Re-issue: go to ‘e-File > Income Tax Returns > View Filed Returns’ > select the assessment year > ‘Refund Re-issue’ — choose the validated bank account and submit. 3 If the refund was adjusted against a demand you dispute: file a rectification request under Section 154 of the Income Tax Act 1961 (Section 287 under the Income Tax Act 2025, effective Tax Year 2026-27) on the portal, challenging the demand before the adjustment affects your refund. 4 If ‘Refund Issued’ but not in your bank after 7 days: the refund may have been sent to an old/closed account. Check the NSDL tracker for the exact account number used and contact the bank. 5 Raise a grievance on the IT portal under ‘e-Nivaran’ or the ‘Grievance’ section specifying the assessment year, refund amount, and the current status. Escalation — If Still Unresolved After 30 Days 1 File on the Income Tax Business Application (ITBA) grievance mechanism or call the IT Aaykar Sampark Kendra: 0124-2438000. 2 Email your jurisdictional Assessing Officer through the portal’s ‘e-Nivaran > Grievance’ — specify AY, refund amount, and all steps taken. 3 For delays beyond 6 months of ITR processing: the Cabinet officially abolished the Income Tax Ombudsman mechanism. Escalations must now proceed through the CPGRAMS portal, the Centralised Public Grievance Redress and Monitoring System, or direct representations to the Principal Chief Commissioner of Income Tax (Pr. CCIT). 4 The Central Board of Direct Taxes (CBDT) monitors refund delays — file through their public grievance portal. 5 As a last resort: file a writ petition in the High Court seeking mandamus for refund — courts have repeatedly ordered immediate refunds with interest for unjustified delays. Prevention — File Right, Get Refunded Faster ✓ Pre-validate your bank account on the IT portal at the start of every financial year — do not wait until you file the ITR. ✓ File your ITR early — returns filed in April–May are processed faster than those filed in July. ✓ Reconcile Form 26AS (renamed Form 168 under the Income Tax Act 2025 from Tax Year 2026-27) and AIS with your ITR before filing — mismatches create processing holds that delay refunds. ✓ Link PAN with Aadhaar — unlinked PANs face processing restrictions including refund holds. ✓ Use a primary salary account for IT refunds — avoid changing this account mid-year. Watch Video Guide Your browser does not support the video tag. Your Rights Under Section 244A of the Income Tax Act 1961, the government owes you interest at 0.5% per month (6% per annum) on delayed refunds — from the date the refund was due (typically April 1 of the assessment year) to the date of actual payment. The equivalent provision under the Income Tax Act 2025 (effective Tax Year 2026-27) will carry forward this right. This interest is taxable as Income from Other Sources and must be declared in your ITR for the year it is received. in the year of receipt but it is automatically calculated and added to your refund. You do not need to separately claim it. Key Contacts & Portals Who / What Contact / Action Income Tax Portal incometax.gov.in — refund status, re-issue request, grievance NSDL Refund Tracker tin.tin.nsdl.com/oltas/refundstatuslogin.html IT Helpline 1800 103 0025 (toll-free) Who / What Contact / Action Aaykar Sampark Kendra 0124-2438000 CPC Bangalore Centralised Processing Centre — cpc.incometax.gov.in

Mutual fund SIP Auto-Debit Failed — Unit Purchase Missed First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Keep Your Investments Accessible) First Steps — Verify & Initiate 1 Confirm the SIP failure: check your bank statement for the failed auto-debit and check the AMC’s portal for the SIP transaction status. The AMC will also send an SMS or email notification for failed SIPs. 2 Identify the reason for failure: (a) Insufficient balance — most common; (b) NACH mandate rejected — the ECS/NACH mandate registered with the bank was not activated or has been cancelled; (c) Bank account closed or changed — the SIP mandate still points to the old account. 3 Under SEBI circular dated January 3, 2024 (effective April 1, 2024): SIPs with daily/weekly/fortnightly/monthly frequency are auto-cancelled after 3 consecutive failed payments; SIPs with quarterly/half-yearly/yearly frequency are cancelled after 2 consecutive failures. The AMC must notify you after the first failure. SIP cancellation requests must now be processed within 2 working days (effective December 1, 2024). After auto-cancellation, you must register a new SIP. 4 Check whether this was a one-off failure or a recurring pattern — recurring failures indicate a systemic issue with the mandate or bank account. 5 For NACH mandate failures: check with your bank whether the NACH mandate is registered and active. Some banks require separate activation of NACH mandates. Follow-up Steps — Next 2–4 Weeks 1 For a one-off balance failure: ensure sufficient balance in the account before the next SIP date — the SIP will automatically trigger next month. 2 For NACH mandate failure: re-register the NACH mandate with the AMC through the AMC portal or your distributor — allow 20–30 days for activation before the next SIP date. Do not wait until the SIP date to check activation status — verify the mandate is active 5 days before the next debit date. 3 For a changed bank account: update the bank mandate with the AMC and simultaneously update the NACH mandate — both must match. 4 If you want to make up for the missed instalment: you can make a one-time lump-sum purchase in the same fund at the current NAV — this is separate from the SIP and must be done manually. 5 If the SIP was cancelled due to 3 consecutive failures: re-register the SIP with the correct bank account details. Escalation — If Still Unresolved After 30 Days 1 If the bank debited your account but the AMC did not allot units: this is a payment received without unit allotment — raise immediately with the AMC and file on SCORES if unresolved. 2 If the NACH mandate registration is repeatedly failing despite correct details: file a complaint with your bank (for NACH registration issues) and with the AMC (for SIP processing). 3 Contact NPCI for persistent NACH-related failures: npci.org.in. Prevention — Keep Your Investments Accessible ✓ Keep a buffer of at least 1.5 times your monthly SIP amount in the registered bank account on SIP debit dates. ✓ Set a calendar reminder 3 days before every SIP date to verify account balance. ✓ Register your SIP on a primary salary account where balance is predictable, not a savings account that may run low. ✓ After any bank account change: immediately update SIP mandates at all AMCs — do not wait for a SIP failure to discover the old mandate is still active. Watch Video Guide Your browser does not support the video tag. Your Rights SEBI regulations require AMCs to process SIP investments on the registered date. If the bank deducted money but units were not allotted, this is an AMC processing failure — the AMC must allot units at the NAV of the date the funds were received. You have the right to continue your SIP without any additional penalty if a failure was caused by a technical issue rather than your own insufficient balance. Key Contacts & Portals Who / What Contact / Action Your AMC’s SIP helpline Call with folio number and SIP registration ID NACH / NPCI npci.org.in | 1800 120 1740 Who / What Contact / Action SCORES scores.sebi.gov.in — for unit allotment failures AMFI amfiindia.com — for AMC service complaints

Family Pension Not Activated After Pensioner’s Death First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Keep Your Pension Flowing) First Steps — Verify & Initiate 1 Notify the PDA bank (the bank disbursing the deceased’s pension) of the death immediately — submit the death certificate (certified copy) and request family pension activation. 2 The PDA bank must stop the deceased’s pension from the month following death and activate the family pension for the eligible spouse from the day after death. Important: most modern central government PPOs are Joint PPOs that already name the spouse. If a Joint PPO exists, the spouse does not need to approach the PAO or the former department — simply submit the death certificate and basic KYC documents directly to the Pension Disbursing Bank Branch Manager. The Branch Manager is authorised to start family pension within 5–7 working days without any departmental intervention. The PAO is only involved if the original PPO is not a Joint PPO and does not mention the spouse’s details. 3 Locate the PPO — check whether it is a Joint PPO (naming the spouse as family pensioner). For Joint PPOs, the bank can activate family pension with only the death certificate and basic KYC at branch level — no PAO visit required. If the PPO is not a Joint PPO, the PAO must issue a separate family pension PPO. 4 If family pension details are not in the PPO: contact the PAO for a revised PPO or a family pension PPO — submit: death certificate, proof of relationship (marriage certificate), the spouse’s identity proof, and bank account details. 5 For central government: check the Bhavishya portal for the pension case status. Follow-up Steps — Next 2–4 Weeks 1 After death certificate submission at the bank: family pension should start within 5–7 working days. Follow up if not credited by this time. 2 Collect the original PPO from the bank — it will show the family pension entitlement. If family pension details are blank or absent, the PPO needs to be revised by the PAO. 3 For PAO-revised PPO: submit a formal application with death certificate, marriage certificate, claimant’s Aadhaar and PAN, and bank account details. PAO processing time: 15–30 days. 4 Request a provisional family pension from the department if the revised PPO is delayed — the family should not be without income during the processing period. 5 Keep all correspondence with the bank, PAO, and department in writing with dates. Escalation — If Still Unresolved After 30 Days 1 File on cpengrams.gov.in (CPENGRAMS) — specify the date of death, the deceased’s PPO number, and the delay in family pension activation. 2 File on pgportal.gov.in under Ministry of Personnel. 3 Contact CPAO (cpao.nic.in) — they can coordinate between the PAO and the PDA bank to expedite family pension. 4 Write to DoPPW (doppw.gov.in) — they issue directives on family pension and expedite stuck cases. 5 For state government pensioners: contact the State Finance/Pension Department and file on the state grievance portal. Prevention — Keep Your Pension Flowing ✓ Ensure the spouse’s name and family pension details are correctly entered in the original PPO — verify this when the PPO is issued at retirement. ✓ The pensioner should personally submit a ‘Joint Photograph’ and nominee details to the PDA bank every 3–5 years to keep records current. ✓ Keep the original PPO in an accessible location known to the spouse — it is the foundational document for family pension. ✓ The spouse should be familiar with the PDA bank, the PAO, and the department’s pension cell contact — this knowledge is needed urgently at a very difficult time. Watch Video Guide Your browser does not support the video tag. Your Rights Family pension is a statutory right of eligible family members under CCS (Pension) Rules. It commences from the day after the pensioner’s death — there should be zero break between the pensioner’s last pension and the commencement of family pension. If there is a gap, arrears must be paid for the missed period with interest. The PDA bank has specific obligations under DoPPW guidelines to process family pension within days of death certificate submission. Key Contacts & Portals Who / What Contact / Action PDA Bank Pension Desk Submit death certificate immediately — visit in person CPENGRAMS cpengrams.gov.in — family pension grievances CPAO cpao.nic.in | 011-26174596 Who / What Contact / Action DoPPW doppw.gov.in | pensionersportal.gov.in pgportal.gov.in Ministry of Personnel escalation

Ayushman Bharat / PM-JAY cashless claim not processed First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Keep Your Entitlement Active) First Steps — Verify & Initiate 1 Verify your PM-JAY eligibility: mera.pmjay.gov.in — enter your mobile number or name and ration card number to check eligibility and see your unique PM-JAY ID. 2 Obtain your PM-JAY e-card at the hospital’s Ayushman Mitra desk or Common Service Centre — the e-card is required for cashless treatment at empanelled hospitals. 3 Confirm the hospital is currently empanelled under PM-JAY: hospitals.pmjay.gov.in — empanelment can change; always verify before admission. 4 Call the PM-JAY helpline (14555) to verify your eligibility and report the non-processing — they can confirm whether the issue is with beneficiary data or hospital connectivity. 5 Ask the hospital’s Ayushman Mitra (dedicated PM-JAY liaison) to escalate the pre-authorisation directly with the SHA. Never pay cash upfront to any hospital without demanding an official written refusal/receipt. Contact the District Implementation Unit (DIU) or approach the hospital’s Arogya Mitra desk directly for spot intervention. Follow-up Steps — Next 2–4 Weeks 1 If the SHA is not responding within the mandated time: the hospital can initiate treatment and the SHA is required to settle the claim retrospectively — under PM-JAY guidelines, denial of cashless for genuine emergencies is not permitted. 2 Contact your State Health Agency (SHA) directly — each state has a dedicated PM-JAY helpline in addition to the national 14555. 3 If the hospital refuses to initiate cashless treatment despite valid eligibility: contact the District PM-JAY Implementation Officer. 4 Obtain a written denial from the hospital specifying the exact reason — this is required for complaint filing. Escalation — If Still Unresolved After 30 Days 1 Call 14555 (PM-JAY national helpline) and register a complaint with the claim and hospital details. 2 File a grievance on the PM-JAY portal: pmjay.gov.in > ‘Grievance.’ 3 Contact the State Health Agency’s grievance desk — SHA contact details are on each state’s PM-JAY website. 4 File on pgportal.gov.in under Ministry of Health and Family Welfare. 5 Contact your elected representative (MP/MLA) — PM-JAY implementation is politically monitored and representative intervention is often effective. Prevention — Keep Your Entitlement Active ✓ Download your PM-JAY e-card in advance — do not wait until you are at the hospital in an emergency. ✓ Verify hospital empanelment before choosing a hospital for planned procedures — empanelment status changes. ✓ Ensure your family details (name, Aadhaar) match the PM-JAY beneficiary database — check at mera.pmjay.gov.in. ✓ Save the PM-JAY helpline (14555) in your phone — call it before going to a hospital to confirm your eligibility is active. Watch Video Guide Your browser does not support the video tag. Your Rights PM-JAY is a rights-based health coverage scheme. Empanelled hospitals cannot refuse treatment to eligible beneficiaries. The insurer/SHA must respond to pre-authorisation within 1 hour for emergencies and 3 hours for planned cases. If a hospital wrongly denies PM-JAY benefits to an eligible beneficiary, the hospital can face de-empanelment and the SHA can be penalised. Key Contacts & Portals Who / What Contact / Action PM-JAY Helpline 14555 (national) | pmjay.gov.in PM-JAY Eligibility Check mera.pmjay.gov.in Hospital Empanelment Check hospitals.pmjay.gov.in Who / What Contact / Action State SHA Your state’s PM-JAY website — state helpline number CPGRAMS pgportal.gov.in — Ministry of Health

EPF final settlement delayed beyond 20 days First Steps (Verify & Initiate) Follow-up Steps (Next 2–4 Weeks) Escalation (If Still Unresolved After 30 Days) Prevention (Set This Up Now) First Steps — Verify & Initiate 1 Confirm the exact date your claim was submitted — note the acknowledgment number from the online portal or the physical receipt from the regional EPFO office. 2 Count 20 working days from submission date (excluding Sundays and public holidays) — if this date has passed without credit, you are in delay territory. 3 Check the claim status on the EPFO portal under ‘Track Claim Status’ — note the current status and any messages. 4 Verify your bank account is correctly linked and verified on the EPFO portal — even a small mismatch prevents credit even after the claim is approved. 5 Calculate the interest owed for the delay period: (Outstanding PF Balance × 12%) ÷ 365 × number of days delayed. Follow-up Steps — Next 2–4 Weeks 1 Call the EPFO helpline (1800 118 005) with your claim reference number and ask for the specific reason for delay — get the response in writing if possible. 2 Raise a formal grievance on epfigms.gov.in: select ‘Final Settlement’ as the complaint type, enter your UAN, claim reference number, submission date, and the number of days elapsed beyond the 20-day mandate. 3 Contact your ex-employer’s HR if there are any pending attestations or employer-side actions required. 4 Visit the regional EPFO office in person if the online process is stuck — bring your UAN, Aadhaar, last employer’s PF account number, and the claim acknowledgment. 5 Request the delay interest (12% per annum) explicitly in your grievance — cite Paragraph 72A of the EPF Scheme. Escalation — If Still Unresolved After 30 Days 1 If the grievance on epfigms.gov.in is not resolved within 30 days: escalate to the Regional PF Commissioner by post with all documentation. 2 File a complaint on the National Grievance Portal (pgportal.gov.in) under Ministry of Labour — this routes to EPFO’s central grievance cell. 3 For delays beyond 60 days: approach the Ministry of Labour helpline (14567) and explicitly cite the 20-day mandate violation. 4 Write to the Central Provident Fund Commissioner (CPFC) at EPFO’s headquarters in New Delhi if regional escalation fails. 5 As a last resort: file a writ petition in the High Court for mandamus directing EPFO to settle your claim — courts have consistently ruled in favour of employees in EPF settlement delays. Prevention — Set This Up Now, Before You Need It ✓ Submit EPF claims immediately after leaving employment — do not wait months. ✓ Ensure all KYC details are verified before submitting — a verified KYC eliminates most processing delays. ✓ Opt for online claim submission (not physical form) — online claims are processed significantly faster. ✓ Keep a screenshot of the claim submission acknowledgment — the submission date is your legal record for delay calculation. Watch Video Guide Your browser does not support the video tag. Your Rights Para 72A of the Employees’ Provident Fund Scheme 1952 mandates settlement within 20 working days and payment of interest at 12% per annum for delays. This is a statutory right — you do not need to apply for or demand the delay interest separately. Under EPFO 3.0, eligible advance claims up to ₹5 lakh are now auto-settled, typically within 72 hours for KYC-compliant accounts — significantly faster than the earlier timeline. Under EPFO 3.0, eligible advance claims up to ₹5 lakh are now auto-settled, typically within 72 hours for KYC-compliant accounts — significantly faster than the earlier timeline. EPFO’s internal circulars also hold officials accountable for unexplained delays. Key Contacts & Portals Who / What Contact / Action EPFO Grievance Portal epfigms.gov.in — primary escalation channel EPFO Helpline 1800 118 005 National Grievance Portal pgportal.gov.in — Ministry of Labour escalation Who / What Contact / Action Ministry of Labour Helpline 14567 (Shram Suvidha) EPFO Headquarters epfindia.gov.in — Central Provident Fund Commissioner