What Niro doesGet my free PF audit
For Indians living abroad

Left PF money behind when you moved abroad?

Find out what’s blocking access and what it will take to recover it, with a free PF audit.

Niro is your personal assistant in India: for your PF paperwork, and everyday tasks for your family.

Get my free PF audit

Free, no purchase needed. Ready within 24 to 48 hours of getting your records.

Free PF audit

What your free audit tells you

  • What’s holding things up

    Issues found, and what still needs checking.

  • What needs to happen next

    Steps, documents and approvals required.

  • What Niro would handle

    What we coordinate, and what needs you.

  • What it would cost

    A quote for your case, and the pack credit that applies.

A withdrawal request is often only the last step. Records usually need fixing first, and the audit finds what.
Our specialist partner

Specialist experience behind your PF case

Our specialist partner Kustodian has resolved 2,000+ EPFO cases. Niro coordinates your case and keeps you updated on WhatsApp.

“After 20+ months of effort, 2 rejections and a few setbacks, I was finally able to resolve my EPFO case with the support of these guys.”

They patiently understood the situation, guided me through the steps/process at various employers, and provided timely reminders to keep things moving.

KavithaSingapore
“Having worked abroad in the US when UAN was introduced in India, my legacy pre-UAN PF account remained unlinked.”

Over the years, multiple attempts to merge it with my active UAN failed, and I had accepted that those funds were lost to administrative red tape. … To top it off, they spotted an anomaly where interest had stopped accruing, raised an additional grievance, and secured a recalculated payout that was substantially higher than expected.

VikasWorked in the US

Reviews of our specialist partner’s EPFO work, from the reviewers’ own posts, shared with permission and lightly trimmed.

Why it stays stuck

Weeks of chasing, from the wrong time zone.

Records without your Indian number

Portal codes go to the mobile registered with EPFO. If it has lapsed, your records take a different route.

Employment details that don't match

A missing exit date, a closed employer, or a mismatched name or birth date can hold a claim.

Bank requirements from abroad

EPF pays only into an Indian resident or NRO account, not NRE or a bank abroad.

Rejections without a clear reason

A rejection comes with a short code, not an explanation. Decoding it is most of the follow-up.

You are not alone: ₹9,330 crore sat in inoperative EPF accounts in March 2026 (Outlook Money), and about 1 in 5 EPF claims was rejected in 2024-25 (Business Today). All-India figures.

How it works

Let Niro handle the paperwork and follow-ups.

Stage 1 · Free

Free audit

What’s blocking access and how to fix it, within 24 to 48 hours of getting your records.

Stage 2 · With a Niro pack

Niro manages your recovery case

Your pack’s PF Recovery Credit goes towards the specialist fee. Recovery takes weeks to a few months, depending on your records and EPFO.

You share your records your way and approve each step, entering any codes yourself.

Niro chases EPFO, your old employer and your bank, with updates on WhatsApp.

About Niro

Niro is a family assistant, purpose-built for Indians living abroad.

50+ types of tasks for NRIs and their families, all over WhatsApp.

  • Family’s health admin & emergency response

  • Household chores, upkeep & staff

  • EPFO, tax, govt paperwork & documents

  • Bills, banking, customer support issues & refund claims

  • Travel concierge & admin

  • Property management & others

Beyond EPFO: real tasks we have done for NRI families.
See Niro’s 50+ tasks catalogue
Pricing

One membership. Or just the tasks you need.

The audit is free. For Niro to manage recovery, you’ll need a Niro pack.

Niro Lite
$300for 20 tasks
Paid once. Nothing recurring.

For a few specific things, not ongoing care.

  • Includes a ₹6,000 PF Recovery Credit (counts as 4 of your 20 tasks)
  • 20 tasks, used any time in 12 months
  • The same WhatsApp chat, the same vetted Niro Assistants
  • A task is one thing run to completion. Bigger jobs count as more, agreed before we start
  • Niro Visits on request, charged per visit
  • Niro Assure emergency response
  • A dedicated family manager, or a second family group
How Niro Lite works →
Niro membership
$49/month
Billed $147 every 3 months. Or $294 for 6 months, or $65 month to month.

Everything Niro does, continuously, with no cap on tasks.

  • Includes a PF Recovery Credit as a welcome benefit: ₹5,000 with 3 months, ₹8,550 with 6 months
  • Unlimited tasks for you or your family
  • WhatsApp group chat for tasks
  • Niro assured emergency response
  • On-demand Niro visits, from $25 per visit
  • Create up to 2 groups
  • Request a pause, say when the family is travelling

Your total is the pack price, plus any specialist fee above your PF Recovery Credit, at our partner’s cost once your money arrives. Your audit shows the breakdown before you buy. In some simple cases the credit covers the whole fee.

Start with the free audit
Free EPF audit

Get your free EPF audit

Your name and WhatsApp number first, then a few quick taps. No passwords, OTPs or documents needed here.

Let’s start

We’ll only use this to run your audit on WhatsApp. No passwords, OTPs or documents needed here. We never call you unprompted.

Questions

Before you start.

Do I have to share my UAN password or OTPs?
No. You stay in control of your login, and you choose how we see your records:
  1. A guided screen-sharing call. You log in on your own phone or laptop and share your screen, and we go through the account with you. No password changes hands.
  2. Share the records yourself. You log in and send us:▶ Watch how to download theseFrom the EPFO passbook portal
    • Passbook profile details
    • Claims: settled, pending and rejected
    • Member-wise balance (passbook home page)
    • Passbook overview for each member ID
    • Yearly passbooks for each employer (a PDF per year and member ID)
    • Service history and service overview
    From the EPFO member portal
    • Member profile details (View)
    • Service history (View)
    • UAN card (View)
    • KYC details (Manage)
    • Joint declaration (Manage)
    • Transfer claim status (Online services)
    For identity checks, scanned copies of
    • Aadhaar card
    • PAN card
  3. Optional: share your UAN login, with a scanned Aadhaar card and PAN card. Used only for your case; change the password once the audit is done.
Whichever you pick, you enter any one-time code yourself, and we never ask for bank PINs, card details, net-banking or UPI logins.
Do I need a membership for the audit?
No. The audit is free for anyone, and asking for one does not start any paid work.
What does the free audit include?
A review of your PF records and a written action plan on WhatsApp: each account’s status, what is blocking access and the record that shows it, the next steps and documents, and anything still to confirm. Free, with no purchase required.
What if I want Niro to handle the case?
Choose a Niro pack: Niro Lite ($300 once, 20 tasks over 12 months), or the Niro membership for 3 months ($147) or 6 months ($294). Each includes a PF Recovery Credit towards the specialist’s fee as a welcome benefit: ₹6,000, ₹5,000 or ₹8,550.There is no flat fee: it depends on how many issues your case has and how complex each is, from a few thousand rupees to about ₹65,000 for a full case. You get the exact quote after your free audit, before you pay anything. You pay the pack price plus any specialist fee above the credit, at the partner’s exact cost with no markup, charged only once your money is recovered. Fee left after the credit, for example:
  • Simple (one fix), fee ₹4,000: 3-month fully covered, Lite fully covered, 6-month fully covered.
  • Standard (a couple of fixes), fee ₹16,000: 3-month +₹11,000, Lite +₹10,000, 6-month +₹7,450.
  • Complex (six tangled issues), fee ₹64,000: 3-month +₹59,000, Lite +₹58,000, 6-month +₹55,450.
What if it isn't clear yet whether the money can be accessed?
The audit says what is known, what is not, and which record would settle it. You decide what next, with no obligation, and we don't start paid work on a case we can't yet assess.
Do you handle PPF too?
Yes. EPF is most of what we see, but the audit also covers PPF accounts, including ones opened before you became an NRI. PPF usually involves the bank or post office that holds the account, and the audit sets out what that branch needs.

Your family’s personal assistant in India.

Errands, bills, appointments and emergencies for your parents, and your own India paperwork too. All over WhatsApp.

Know more about Niro

Niro is a family concierge service for Indians living abroad. Our EPFO resolution partner is an independent company. Neither Niro nor the partner is affiliated with EPFO or the Government of India. Nothing on this page is tax, legal or investment advice. Outcomes and timelines depend on EPFO, your former employer and your bank.