New Delhi, Feb. 20 -- When switching jobs, you probably focus on transferring or withdrawing your provident fund (PF), assuming your entire retirement savings are covered. But what if part of your money was stuck in limbo-unclaimed, inaccessible, and potentially lost forever?

That's exactly what happened to Mr. A, who worked for three companies, each handling PF differently. When he finally decided to withdraw his savings, he hit an unexpected roadblock-his pension contributions under the Employees' Pension Scheme (EPS) had never been merged. Without this step, his withdrawal request was denied.

Read this | Saying no to EPF isn't easy-but it's possible

His case is a stark reminder that missing a step in the EPS transfer process can cau...