New Delhi, Aug. 25 -- Bengaluru-based Bhavesh Chandra Jha (36) was never supposed to be part of the employee pension scheme (EPS). His employer mistakenly enrolled him. More than a year later, when Jha applied to withdraw his savings, the Employees' Provident Fund Organisation (EPFO) rejected his claim. Before it could be processed, his pension contributions first had to be shifted back into the provident fund (EPF), a step that required coordination between his employer and the EPFO.

His case highlights a bigger problem: workers wrongly enrolled in EPS often face long delays in accessing their money. Since corrections are processed only after the close of a financial year, employees can be left waiting 12-18 months to touch their saving...