*MY PF, MY CHOICE: 14 DEMANDS FOR 7 CRORE PRIVATE & GIG WORKERS - END EPFO SLAVERY*
The Issue
MY PF, MY CHOICE - ALL INDIA PRIVATE & GIG WORKERS REVOLUTION
Grievance No: MOLBR/E/2026/0241434
From: Private Employee from India
For: All 7 Crore + Private Employees and Gig Workers of India
I am not begging. I am asking for my RIGHT. The money deducted from my salary is MY MONEY. EPFO is just a custodian, not the owner.
PART A: MY 12 OBJECTIONS TO THE CURRENT EPFO SYSTEM (Detailed Complaint)
1. The 10-Year Trap
If my total service is 9 years 11 months, EPFO allows me to withdraw my full EPS pension amount. But if my service crosses 10 years (even with 2-3 companies combined), you BLOCK my withdrawal and give me only a "Scheme Certificate" and force me to take pension at age 58. Longer service = Bigger Punishment? This is illegal and anti-worker. Before 10 years and After 10 years, employee should have full choice.
2. The 3-Year Jobless Rule - Why Should I Sit Jobless?
Even if I leave my job before 10 years, EPFO's rule says I have to wait for 2 months for EPF, and for EPS you ask for long non-service proof. In some cases workers are told to prove they are unemployed for years. Why should I sit at home jobless for 3 years just to prove I am unemployed to get MY OWN money? If I quit today, I need my money TODAY for my children's school fees, house rent, hospital bills. Not after 3 years. Give my money within 7 days.
3. Zero Authority During Job (In-Job Running):
When my job is running, I have ZERO authority on my own PF. For any advance, I need employer signature, HR approval, company stamp. My money is deducted from MY salary, but control is with company and government. This must end. Give full control via employee Aadhaar OTP.
4. Forced Family Nominee - Friend Not Allowed:
In 2018, I nominated my best friend who helped me in my bad times. EPFO says for EPF it is OK, but for EPS only "Family" definition (wife, child, parents) is allowed. My friend is not family so my entire EPS will be forfeited after my death. Why will GOVERNMENT decide who gets my money? I earned it, I will decide who is my family. Allow anyone as nominee like a bank account - friend, live-in partner, relative, anyone.
5. Forfeiture After Death - This is Pure Loot:
A worker pays 10-15 Lakhs in EPS in his lifetime. He gets pension at 58. If he dies at 60, after just 2 years of pension, family gets nothing after that. 90% corpus government keeps and forfeits. This is not pension, this is loot of workers' hard-earned money. If pension holder dies, remaining corpus must be returned to his nominee with interest.
6. Employer Approval is Modern Slavery:
Why should a private company boss decide whether I can withdraw my PF for my mother's medical emergency? He is not paying from his pocket. My UAN, My Aadhaar, My OTP should be enough. Remove employer approval system completely. This is slavery.
7. No Interest, No Transparency:
After leaving job, if my EPS amount is blocked for pension till age 58, do you give me market-linked interest? No. My money's value decreases due to inflation. No monthly statement, no transparency on where my EPS money is invested, how much interest I earned. We need monthly interest credit and full transparency.
8. Wage Ceiling Scam of Rs. 15,000:
My salary is Rs. 40,000 but my EPS pension is calculated only on Rs. 15,000. This limit was set in 2014 and never increased. Inflation has tripled since then. After working for 10 years, I get only Rs. 3,000-4,000 pension. This is a joke. Increase wage ceiling from 15,000 to 30,000 or give pension on actual salary.
9. 5-Year Tax Loot:
If I withdraw my PF before 5 years of service (because I need money), you deduct 10% TDS. A poor worker withdraws because he is in need, and you punish him with tax? Remove this tax on EPF withdrawal. It is our emergency fund.
10. Interest Credit is 1 Year Late:
Interest for March is credited in October-November. For 8 months our money sits without any update. Where does that interest money go for 8 months? We demand monthly interest credit, not yearly late credit.
11. UAN Transfer is Not Automatic:
When I change company, UAN transfer takes months. Sometimes old employer does not approve. Why should I beg my old boss? If Aadhaar is linked, auto-transfer my PF within 3 days with only employee OTP. No employer needed.
12. No PF for Gig & Contract Workers:
Swiggy, Zomato, Uber, Ola, Amazon Delivery, Construction Contractors - Crores of young Indians work 12 hours a day, but they get NO PF, NO Pension, NO Social Security. This is exploitation. Bring all gig and contract workers under EPFO.
PART B: MY FINAL 14 DEMANDS - SOLUTION (12 OLD + 2 NEW ADDED)
Demand 1: Full Choice Before & After 10 Years: In Form 10C, give two options: [ ] Withdraw Full EPS Amount [ ] Take Pension Certificate. Employee will decide. Remove forced pension after 10 years.
Demand 2: No 3-Year Jobless Condition: If employee quits, give his EPS withdrawal within 7 days, like EPF. No need to sit home unemployed for years. My PF, My Choice, My Time.
Demand 3: Full Control Even During Job: Allow emergency EPS + EPF withdrawal during service with only employee Aadhaar OTP. No employer approval needed.
Demand 4: Right to Choose Any Nominee: Allow anyone as EPS nominee - friend, live-in partner, anyone. Like bank account, like insurance. My money, my decision.
Demand 5: No Forfeiture Rule: If pension holder dies, remaining full corpus must be returned to his nominee with 8% interest. Government should not forfeit a single rupee.
Demand 6: Remove Employer Approval: My UAN + My Aadhaar + My OTP = My Money. Employer approval system must be abolished completely.
Demand 7: Transparency & Monthly Statement: Give monthly statement via SMS/App like bank, show where EPS money is invested and what interest is earned.
Demand 8: Wage Ceiling 15000 to 30000: Increase EPS wage ceiling from Rs.15000 to Rs.30000 immediately, and link it to inflation every 3 years.
Demand 9: No Tax Before 5 Years: Remove TDS on PF withdrawal before 5 years. It is not income, it is distress withdrawal.
Demand 10: Monthly Interest Credit: Credit PF interest every month, not after 1 year. Like a bank savings account.
Demand 11: Auto UAN Transfer in 3 Days: If Aadhaar is verified, transfer old PF to new company automatically within 3 days. No need for old or new employer approval.
Demand 12: PF for All Gig Workers: Make PF mandatory for all platforms - Swiggy, Zomato, Uber, Ola, Amazon, and all contract workers. No worker should be left without social security.
Demand 13: NEW - Double Death Clause:
If employee dies at 60 and his nominee also dies after 1 year at 61, where will our 15 Lakh go? Will you give it to free-loaders? My demand: If BOTH employee and nominee die, remaining full corpus + 8% interest must be returned to employee's Legal Heir / Blood Relative / Person as per his WILL within 30 days. Government should not eat a single rupee. Stop loot.
Demand 14: NEW - Pension Option For Those Who Want It:
We are not against pension. We are against FORCED pension. Keep a separate voluntary application: "MALA PENSION PAHIJE". Whoever wants monthly pension, he and his nominee will get lifetime pension. Whoever wants withdrawal, give him full corpus. Choice must be with worker. Jyala pension havi tyala pension dya, jyala paisa hava tyala paisa dya.
FINAL LINE:
Amhi bhikari nahiyot, hakka magtoy. Jo kam karto, tyacha paisa tyalach hava, kinva tyachya varasala hava, fukat basun khanarya lokanna nahi.
#MyPFMyChoice #14Demands #NoForfeiture #EmployeeRevolution
2
The Issue
MY PF, MY CHOICE - ALL INDIA PRIVATE & GIG WORKERS REVOLUTION
Grievance No: MOLBR/E/2026/0241434
From: Private Employee from India
For: All 7 Crore + Private Employees and Gig Workers of India
I am not begging. I am asking for my RIGHT. The money deducted from my salary is MY MONEY. EPFO is just a custodian, not the owner.
PART A: MY 12 OBJECTIONS TO THE CURRENT EPFO SYSTEM (Detailed Complaint)
1. The 10-Year Trap
If my total service is 9 years 11 months, EPFO allows me to withdraw my full EPS pension amount. But if my service crosses 10 years (even with 2-3 companies combined), you BLOCK my withdrawal and give me only a "Scheme Certificate" and force me to take pension at age 58. Longer service = Bigger Punishment? This is illegal and anti-worker. Before 10 years and After 10 years, employee should have full choice.
2. The 3-Year Jobless Rule - Why Should I Sit Jobless?
Even if I leave my job before 10 years, EPFO's rule says I have to wait for 2 months for EPF, and for EPS you ask for long non-service proof. In some cases workers are told to prove they are unemployed for years. Why should I sit at home jobless for 3 years just to prove I am unemployed to get MY OWN money? If I quit today, I need my money TODAY for my children's school fees, house rent, hospital bills. Not after 3 years. Give my money within 7 days.
3. Zero Authority During Job (In-Job Running):
When my job is running, I have ZERO authority on my own PF. For any advance, I need employer signature, HR approval, company stamp. My money is deducted from MY salary, but control is with company and government. This must end. Give full control via employee Aadhaar OTP.
4. Forced Family Nominee - Friend Not Allowed:
In 2018, I nominated my best friend who helped me in my bad times. EPFO says for EPF it is OK, but for EPS only "Family" definition (wife, child, parents) is allowed. My friend is not family so my entire EPS will be forfeited after my death. Why will GOVERNMENT decide who gets my money? I earned it, I will decide who is my family. Allow anyone as nominee like a bank account - friend, live-in partner, relative, anyone.
5. Forfeiture After Death - This is Pure Loot:
A worker pays 10-15 Lakhs in EPS in his lifetime. He gets pension at 58. If he dies at 60, after just 2 years of pension, family gets nothing after that. 90% corpus government keeps and forfeits. This is not pension, this is loot of workers' hard-earned money. If pension holder dies, remaining corpus must be returned to his nominee with interest.
6. Employer Approval is Modern Slavery:
Why should a private company boss decide whether I can withdraw my PF for my mother's medical emergency? He is not paying from his pocket. My UAN, My Aadhaar, My OTP should be enough. Remove employer approval system completely. This is slavery.
7. No Interest, No Transparency:
After leaving job, if my EPS amount is blocked for pension till age 58, do you give me market-linked interest? No. My money's value decreases due to inflation. No monthly statement, no transparency on where my EPS money is invested, how much interest I earned. We need monthly interest credit and full transparency.
8. Wage Ceiling Scam of Rs. 15,000:
My salary is Rs. 40,000 but my EPS pension is calculated only on Rs. 15,000. This limit was set in 2014 and never increased. Inflation has tripled since then. After working for 10 years, I get only Rs. 3,000-4,000 pension. This is a joke. Increase wage ceiling from 15,000 to 30,000 or give pension on actual salary.
9. 5-Year Tax Loot:
If I withdraw my PF before 5 years of service (because I need money), you deduct 10% TDS. A poor worker withdraws because he is in need, and you punish him with tax? Remove this tax on EPF withdrawal. It is our emergency fund.
10. Interest Credit is 1 Year Late:
Interest for March is credited in October-November. For 8 months our money sits without any update. Where does that interest money go for 8 months? We demand monthly interest credit, not yearly late credit.
11. UAN Transfer is Not Automatic:
When I change company, UAN transfer takes months. Sometimes old employer does not approve. Why should I beg my old boss? If Aadhaar is linked, auto-transfer my PF within 3 days with only employee OTP. No employer needed.
12. No PF for Gig & Contract Workers:
Swiggy, Zomato, Uber, Ola, Amazon Delivery, Construction Contractors - Crores of young Indians work 12 hours a day, but they get NO PF, NO Pension, NO Social Security. This is exploitation. Bring all gig and contract workers under EPFO.
PART B: MY FINAL 14 DEMANDS - SOLUTION (12 OLD + 2 NEW ADDED)
Demand 1: Full Choice Before & After 10 Years: In Form 10C, give two options: [ ] Withdraw Full EPS Amount [ ] Take Pension Certificate. Employee will decide. Remove forced pension after 10 years.
Demand 2: No 3-Year Jobless Condition: If employee quits, give his EPS withdrawal within 7 days, like EPF. No need to sit home unemployed for years. My PF, My Choice, My Time.
Demand 3: Full Control Even During Job: Allow emergency EPS + EPF withdrawal during service with only employee Aadhaar OTP. No employer approval needed.
Demand 4: Right to Choose Any Nominee: Allow anyone as EPS nominee - friend, live-in partner, anyone. Like bank account, like insurance. My money, my decision.
Demand 5: No Forfeiture Rule: If pension holder dies, remaining full corpus must be returned to his nominee with 8% interest. Government should not forfeit a single rupee.
Demand 6: Remove Employer Approval: My UAN + My Aadhaar + My OTP = My Money. Employer approval system must be abolished completely.
Demand 7: Transparency & Monthly Statement: Give monthly statement via SMS/App like bank, show where EPS money is invested and what interest is earned.
Demand 8: Wage Ceiling 15000 to 30000: Increase EPS wage ceiling from Rs.15000 to Rs.30000 immediately, and link it to inflation every 3 years.
Demand 9: No Tax Before 5 Years: Remove TDS on PF withdrawal before 5 years. It is not income, it is distress withdrawal.
Demand 10: Monthly Interest Credit: Credit PF interest every month, not after 1 year. Like a bank savings account.
Demand 11: Auto UAN Transfer in 3 Days: If Aadhaar is verified, transfer old PF to new company automatically within 3 days. No need for old or new employer approval.
Demand 12: PF for All Gig Workers: Make PF mandatory for all platforms - Swiggy, Zomato, Uber, Ola, Amazon, and all contract workers. No worker should be left without social security.
Demand 13: NEW - Double Death Clause:
If employee dies at 60 and his nominee also dies after 1 year at 61, where will our 15 Lakh go? Will you give it to free-loaders? My demand: If BOTH employee and nominee die, remaining full corpus + 8% interest must be returned to employee's Legal Heir / Blood Relative / Person as per his WILL within 30 days. Government should not eat a single rupee. Stop loot.
Demand 14: NEW - Pension Option For Those Who Want It:
We are not against pension. We are against FORCED pension. Keep a separate voluntary application: "MALA PENSION PAHIJE". Whoever wants monthly pension, he and his nominee will get lifetime pension. Whoever wants withdrawal, give him full corpus. Choice must be with worker. Jyala pension havi tyala pension dya, jyala paisa hava tyala paisa dya.
FINAL LINE:
Amhi bhikari nahiyot, hakka magtoy. Jo kam karto, tyacha paisa tyalach hava, kinva tyachya varasala hava, fukat basun khanarya lokanna nahi.
#MyPFMyChoice #14Demands #NoForfeiture #EmployeeRevolution
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Petition created on 11 October 2026