When your EPF claim status shows "payment under process," it means your claim is currently being reviewed and processed by the Employees' Provident Fund Organisation (EPFO). This status indicates that the EPFO is verifying your claim details and has not yet transferred the money to your bank account

. Once the review is complete and the claim is approved, the status will change to "claim settled," meaning the money has been or will soon be credited to your bank account

. Typically, EPF claims are settled within 5 to 30 days when filed online, and within 20 to 30 days if done offline

. However, delays can occur, and if the status remains "under process" for an unusually long time (beyond 20 days), you may consider contacting EPFO for assistance

. You can check your EPF claim status through several methods:

• Online via the EPFO member portal by logging in with your UAN and password and selecting "Track Claim Status"

• Using the UMANG mobile app by entering your UAN and OTP to view all claims associated with your account

• By sending an SMS to 7738299899 in the format "EPFOHO UAN LAN" (where LAN is your preferred language code)

• Calling the EPFO toll-free number 1800 118 005 or 011-22901406 from your registered mobile number

If your claim is "under process," you need to wait until EPFO completes the verification and transfers the funds. If the claim is rejected, reasons may include mismatched details or missing documents, in which case you should contact your employer or EPFO for clarification

. In summary, "payment under process" means your EPF withdrawal or transfer claim is being processed and the payment is yet to be credited to your bank account