One letter out of place
Your name is spelt slightly differently on your bank record than on Aadhaar. A computer compares them letter by letter and sends the claim back.
Not EPFO
An independent prototype for the Build What Moves India hackathon. Not connected to EPFO, and not approved by them. About the hackathon
EPF withdrawal, unblocked
Your provident fund, without the guesswork.
Find out what is holding your money before you file, not after you are rejected. EPFO turned down about 26 per cent of claims in 2023-24 - roughly one in four - usually because your details disagree across records that were never built to match. This finds every problem in one look.
No real documents neededA clear next stepYour data stays private
The same person, same records
PRE-FLIGHT27
days, found one rejection at a time
3
days, cleared in the right order
Both numbers come out of the same rule engine.
- 1 in 4
- claims came back refused in 2023-24
- 16 lakh
- complaints filed in a single year
- 7
- things must all be right before you are paid
0.00 cr
members
as of 31 Mar 2024
0.00 cr
claims settled
FY 2024-25
~0%
claims rejected
FY 2023-24
0.00%
annual interest
FY 2024-25
Sources: EPFO annual figures and press releases; rejection rate from Factly / Dataful analysis of EPFO claim data. Interest rate as declared by the Central Board of Trustees.
Why this is hard
Nobody tells you what is wrong until it is too late
You work for years. You leave a job. You ask for your own savings. And then it comes back refused, for a reason nobody mentioned while you were waiting.
Waiting on your old company
Some of it can only be fixed by an employer you have already left, on a website you cannot see, with nobody telling them it is waiting.
One refusal at a time
Fix the first problem, wait two weeks, get refused for the second. Seven conditions, discovered one by one.
No date, ever
You get a status word on a different website. Never a day. Never a reason. Never what to do next.
So we turned it around
Show all seven at once, before anything is sent. Say which one is actually costing you time and which is not. Name who has to fix each one - you, your old company, or EPFO. And give a number of days that goes down as you finish each step.
How it works
Three steps, and no forms to go looking for.
1
Sign in once
A captcha and a code sent to your phone, and you are in. That is the only time you log in - your case then stays at a link you can come back to. In this demo it is just the password on each card.
2
See what is stopping you
All seven checks in one look, before you send anything. Our helper explains each problem in plain words - in your language, out loud if you want.
3
Clear them in the right order
Work down the list one at a time, starting with whatever is costing you the most days. The count goes down as each one is done.
One connected route
From “what happened?” to a clear next move.
Seven Gates turns scattered records and portal steps into one calm path you can follow.
Your recordsThe blockerThe next step
What we do differently
Diagnosis first. Then the fix.
One page, all seven gates
Everything between you and your money on a single screen, in the order that unblocks it.
A number, not a status word
Working days until settlement, that shrink as you clear gates. The portal gives you a word and no forecast.
Says who has to act
You, your employer, or EPFO, named on every gate. That axis exists nowhere on the real portal.
Mismatches found by rules
Your four records compared field by field. Never a language model, which could hallucinate a match.
Saathi, the guide inside
Ask in your language. Out loud, if you prefer.
The people this is built for do not all read English, and many would rather speak than type on a phone. So Saathi takes either, in 11 languages, and answers in whichever one you used - switch mid-conversation and it switches with you.
Voice or typing, whichever suits you
Tap the mic and say it, or type it. Answers come back written and read aloud, so it works if reading is hard.
"Walk me through" starts a guided tour
It takes over the screen, moves page to page and rings each part in turn, explaining what it is for and why it matters to you.
It only knows your case
Every answer is about your own records and your own blockers. It cannot see anybody else, and it will not answer about them.
Speak or type, in any of these
- English
- हिंदी
- বাংলা
- ગુજરાતી
- ಕನ್ನಡ
- മലയാളം
- मराठी
- ଓଡ଼ିଆ
- ਪੰਜਾਬੀ
- தமிழ்
- తెలుగు
Speech in and out runs on Sarvam, built for Indian languages. The day counts Saathi quotes come from the same rule engine as the rest of the site, never from the model, so it cannot invent a number.
Why it is hard today
One goal, scattered across six hosts
Each is organised by kind of data, never by who has to act. So the steps that block each other have nowhere to connect.
epfindia.gov.inDOWN
Notices and circulars
unifiedportal-mem
The member portal
…/memberInterfacePohw
Pension on higher wages
passbook.epfindia
Passbook and claim status
unifiedportal-empHIDDEN
Employer portal, unseen
epfigms.gov.in
Grievances
UMANG app
UAN activation
Straight about what is real
No real Aadhaar, PAN or bank details anywhere. The seven checks and the day count are worked out for real. Everything we built to stand in for something else is named, side by side with what EPFO does today.
See it on a real case
Six people, each stuck for a different reason. One tap, no password.
Open a demo account