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Submit your complaint →Sharvan Kumar reports that his KYC update on the EPFO portal has been “under process” since May 2025 despite multiple grievances. SBI and EPFO have not resolved the issue yet.
Complaint Summary : Sharvan Kumar vs SBI & EPFO – UAN KYC Verification Stuck Since May 2025 | Choice4Voice.com
| Field | Details |
|---|---|
| Complainant Name | Sharvan Kumar |
| Complaint Type | Delay in KYC Verification / Poor Response |
| Company/Brand | State Bank of India (SBI) & Employees Provident Fund Organisation (EPFO) |
| Product/Service | UAN Bank KYC Verification |
| Date of Incident | 9 May 2025 |
| Complaint Reference No. | Not disclosed |
| Company’s Response | No response received |
| Platform Used for Complaint | LinkedIn & Choice4Voice.com |
Complaint Overview
Sharvan Kumar, a Store Keeper at Shanti Procon LLP, has raised a serious concern against State Bank of India (SBI) and the Employees Provident Fund Organisation (EPFO) regarding prolonged inaction on his bank KYC verification request linked to his UAN (Universal Account Number).
According to his statement, Sharvan submitted the bank KYC update request on 9 May 2025, but the status still shows “Under Process” on the official EPFO website, even after several months. Despite filing multiple online grievances, neither SBI nor EPFO has taken any action or provided a valid response.
Sharvan’s complaint highlights a widespread problem many employees face when trying to link or update their bank details with their EPF account delays, lack of transparency, and absence of resolution mechanisms.
Key Issues Reported
- UAN KYC verification pending since May 2025
- No response to multiple grievance filings
- System limitation: No option available to delete or reapply for pending KYC requests
- Lack of coordination between SBI (bank) and EPFO
Consumer Impact
Due to this technical and administrative delay, the complainant is unable to:
- Access his EPF withdrawals or settlements
- Update bank information on the EPFO portal
- Complete employment-related formalities requiring verified KYC
Such prolonged inaction can cause financial distress and administrative hurdles, especially for working professionals who depend on timely EPF disbursements.
Legal Remedies Available
1. File a Complaint under the Consumer Protection Act, 2019
Sharvan Kumar and others facing similar issues can approach the District Consumer Forum for deficiency in service by SBI or EPFO.
Grounds: Negligence, non-responsiveness, and delay in service.
2. Escalate to EPFO Regional Office
A written complaint can be sent to the EPFO Regional Commissioner with full details, UAN, and grievance reference numbers.
3. File Grievance via EPFiGMS Portal
Official grievance platform: https://epfigms.gov.in
Consumers can file or track complaints related to KYC, claims, and withdrawals.
4. Approach the Banking Ombudsman (RBI)
If SBI fails to verify or update KYC without valid reasons, a complaint can be filed under the RBI Banking Ombudsman Scheme, 2021 through https://cms.rbi.org.in.
How Choice4Voice.com Can Help
Choice4Voice.com helps consumers like Sharvan Kumar publish verified complaints and reach concerned authorities through public awareness. Our platform ensures:
- Visibility to unresolved issues ignored by major institutions
- Legal escalation guidance for affected individuals
- Support with drafting complaint templates for EPFO and RBI portals
Choice4Voice.com acts as a neutral, verified consumer advocacy platform, ensuring fairness and accountability from large public institutions.
Step-by-Step: How to Escalate EPFO KYC Issues
- Log in to the EPFO member portal (https://unifiedportal-mem.epfindia.gov.in).
- Navigate to “Manage > KYC” and check your KYC status.
- If pending beyond 15 days, file a grievance on https://epfigms.gov.in.
- Attach screenshots and UAN details for faster response.
- If no action within 30 days, email the EPFO Regional Office or file a case with the Consumer Forum.
Pre-Drafted Complaint Template
Subject: Request for Urgent Action on Pending UAN KYC Verification – Since May 2025
Dear Sir/Madam,
I submitted my bank KYC for UAN verification on 9 May 2025. It has been over five months, yet the status continues to show “Under Process.” I have filed multiple grievances but received no update or resolution.
Please take necessary steps to either approve, reject, or enable the option to delete the pending KYC request.
Details:
UAN: [Enter UAN]
Bank: State Bank of India
Date of KYC Submission: 09/05/2025
Kindly treat this as urgent.
Regards,
Sharvan Kumar
Applicable Legal Provisions
| Law / Authority | Purpose |
|---|---|
| Consumer Protection Act, 2019 | Allows consumers to seek redressal for service deficiency |
| RBI Banking Ombudsman Scheme, 2021 | Handles banking-related complaints (like delayed KYC verifications) |
| EPF & MP Act, 1952 | Governs timely management of provident fund accounts |
| Right to Information (RTI) Act, 2005 | Can be used to demand status updates from EPFO offices |
Q&A Section
Q1. What is Sharvan Kumar’s complaint about?
A1. His EPFO KYC request submitted on 9 May 2025 is still “under process” without action from SBI or EPFO.
Q2. How long has the KYC been pending?
A2. Over five months since submission in May 2025.
Q3. What platform did the complainant use?
A3. The complaint was published on LinkedIn and Choice4Voice.com.
Q4. Which authorities are responsible?
A4. State Bank of India (SBI) and the Employees Provident Fund Organisation (EPFO).
Q5. What problem does the consumer face?
A5. Inability to withdraw or update EPF account details due to incomplete KYC.
Q6. Where can users check EPFO KYC status?
A6. On the EPFO Member Portal under “Manage > KYC.”
Q7. How can consumers file a grievance with EPFO?
A7. By visiting https://epfigms.gov.in.
Q8. What if SBI doesn’t verify KYC?
A8. Users can escalate the matter to the RBI Banking Ombudsman.
Q9. What are the common reasons for EPFO KYC delay?
A9. Bank verification delays, server errors, or pending internal approvals.
Q10. Can users delete pending KYC requests on EPFO?
A10. Currently, there is no delete option; only EPFO can act on it.
Q11. What legal rights do employees have in such cases?
A11. They can claim service deficiency under the Consumer Protection Act, 2019.
Q12. How can users follow up on EPFO complaints?
A12. By tracking the status on EPFiGMS or contacting the Regional EPFO Office.
Q13. Can RTI be filed for delayed KYC?
A13. Yes, under the RTI Act, 2005 to seek reasons for the delay.
Q14. What happens if KYC remains pending indefinitely?
A14. Employees cannot process EPF withdrawals or transfer claims.
Q15. How to escalate KYC complaints to SBI?
A15. Email SBI’s Nodal Officer or raise a complaint at https://crcf.sbi.co.in.
Q16. What documents are needed for escalation?
A16. UAN, bank details, KYC submission date, and grievance screenshots.
Q17. Can EPFO reject KYC without reason?
A17. No, rejection must be justified and reflected on the portal.
Q18. What role does Choice4Voice.com play?
A18. It acts as a public awareness platform helping consumers publish verified cases.
Q19. How long does EPFO take to process KYC normally?
A19. Usually within 7–15 working days after bank approval.
Q20. What action is requested by Sharvan Kumar?
A20. Either approve or reject the KYC or allow users to delete unprocessed requests.
