Final GPF Payment Haryana – Rules and Procedure (Complete 2025 Guide)
This long-form guide explains how a Haryana Government employee or their family can obtain the Final Payment of General Provident Fund (GPF) on retirement, resignation, dismissal, or death in service. It covers eligibility, documents, exact workflow from office to the Accountant General (A&E) Haryana, calculation rules, timelines, special cases, troubleshooting, and FAQs. Use this as an end-to-end checklist to ensure your claim is complete and processed without delay.
1) What Is Final GPF Payment?
The Final GPF Payment is the one-time release of the entire accumulations standing to the credit of a GPF subscriber at exit from service (retirement, resignation, compulsory retirement, removal/dismissal) or to the nominee/family when the subscriber dies in service. It includes the subscriber’s contributions, admissible interest up to the authorized date, and adjustments for any outstanding advances or recoveries.
2) Who Is Eligible
- Superannuation/Retirement: Employee retires on attaining the prescribed age and applies for final withdrawal of full GPF balance.
- Voluntary Retirement: Employee retires voluntarily as per rules and seeks final settlement.
- Resignation/Removal/Dismissal: Final payment is admissible; recoveries due to Government are adjusted before authorization.
- Death in Service: Nominee/family receives the entire balance with admissible interest and applicable insurance benefits, if any.
- Permanent Transfer out of Haryana: Balance may be transferred to the new accounting authority or paid, as applicable.
3) Roles and Responsibilities
| Stakeholder | Key Duties in Final GPF Process |
|---|---|
| Subscriber / Family | Submit complete claim with series code, account number, KYC, nomination, bank details, and last salary slip. |
| DDO / Head of Office | Verify identity, service, last pay, outstanding advances, missing credits; certify claim forms; forward to AG (A&E) Haryana. |
| Treasury/Pay Drawing Unit | Ensure all monthly GPF credits and recoveries are posted; share month-wise schedules and any correction memoranda. |
| Accountant General (A&E) Haryana | Reconcile subscriber ledger, apply interest, adjust advances/recoveries, authorize final payment (FP) to bank/treasury. |
| Bank/Treasury (Paying Authority) | Credit the authorized amount to claimant’s bank account as per sanction. |
4) Documents Checklist (Attach All That Apply)
| Document | Purpose | Who Provides |
|---|---|---|
| Final GPF Application (Subscriber/Family) | Formal request for final withdrawal | Employee/Family |
| GPF Series & Account Number Proof | Correct account identification | Employee/Office |
| KYC: Aadhaar/PAN & Address Proof | Identity & AML compliance | Employee/Family |
| Bank Details (Cancelled Cheque/Passbook) | NEFT/Bank credit | Employee/Family |
| Service Verification/Last Pay Certificate (LPC) | Confirms last emoluments and service | DDO/Head of Office |
| Month-wise Contribution Schedules (last 12–24 months) | Reconciliation of credits | DDO/Treasury |
| Statement of GPF Advances & Recoveries | Adjust outstanding advances | DDO/Accounts |
| Nomination Form (latest on record) | Determines beneficiary | Employee/Office |
| Specimen Signature/Photographs | Authentication | Employee/Family |
| Retirement/VR Order or Termination Order | Exit basis proof | Department |
| Death Certificate (death case) | Establishes claim event | Family |
| Legal Heir Certificate / Succession Certificate (if no nomination) | Decides rightful claimant | Family |
| Guardianship Certificate (minor claimant) | Authorizes guardian to receive | Family/Court |
| No Dues / Vigilance Status (if required) | Ensures recoveries are addressed | Department |
5) Step-by-Step Process for Final GPF Payment (Retirement/VR/Resignation)
- Collect & Verify Records: Obtain your latest GPF ledger/statement, salary slips, and contribution schedules for the last 12–24 months; check nomination and bank details.
- Reconcile Missing Credits: If any month’s subscription is not posted, get DDO to send correction memorandum/schedule to ensure ledger reflects actual deductions.
- Check Advances/Recoveries: Confirm outstanding temporary/part final advances and recovery status; instruct DDO to post remaining recoveries or request adjustment at final authorization.
- Complete Application: Fill the final withdrawal form with GPF series, account number, contact and bank details; attach KYC, LPC, retirement order and nomination.
- DDO Certification: Office verifies identity, service, pay, last month’s subscription/arrears, outstanding advances; certifies and forwards claim with schedules to the Accountant General (A&E) Haryana.
- AG (A&E) Processing: Ledger is reconciled; interest is calculated up to the authorized point; advances/recoveries are adjusted; the Final Payment Authorization is issued.
- Disbursement: Authorized amount is credited via treasury/bank to the account specified by the claimant.
- Confirm Credit: Applicant verifies bank credit; retain the authorization copy and bank advice for records.
6) Special Procedure – Death in Service (Family/Nominee)
- Nominee-Based Claim: If a valid nomination exists, the nominee submits claim with death certificate, KYC and bank details; office certifies and forwards to AG (A&E).
- No Nomination: Legal heirs produce legal heir/succession certificate and guardianship order if any claimant is a minor; the department verifies dependence and forwards claim.
- Interest & Adjustments: Ledger is updated; admissible interest applied up to authorized point; any outstanding advances are adjusted; authorization is issued in the name of the rightful claimant(s).
- Disbursement: Payment is made to claimant’s bank account; in case of multiple legal heirs, payment may be split as per legal entitlement/court order.
7) Calculation Rules – What Amount Will You Receive?
- Components Credited: Opening balance at the start of the year + total subscriptions and credited arrears + admissible interest.
- Deductions/Adjustments: Outstanding temporary/part-final advances, overpayments, penalties (if any), and recoveries ordered by competent authority.
- Interest Credit: Interest is calculated at the government-notified GPF rate and credited up to the month prescribed at authorization; any post-authorization interest is not admissible unless rules so provide.
- Arrears/Corrections: Late posted subscriptions or correction memoranda received before authorization are included; otherwise they may require subsequent adjustment.
8) Example – Sample Final GPF Computation
| Item | Amount (₹) | Remarks |
|---|---|---|
| Opening Balance (1 April) | 9,80,000 | As per AG ledger |
| Total Subscriptions (Apr–Mar) | 1,20,000 | ₹10,000 per month |
| Interest Credited | 81,000 | As per notified rate and rules |
| Outstanding Temp Advance | (60,000) | Balance after recoveries |
| Other Recoveries/Adjustments | (5,000) | Correction memo |
| Final Amount Authorized | 11,16,000 | Credited to bank |
9) Timelines and Service Levels (Indicative)
| Stage | Ideal Timeline | Notes |
|---|---|---|
| DDO Verification & Forwarding | 7–15 working days | Ensure all schedules and corrections are enclosed |
| AG (A&E) Scrutiny & Authorization | 2–6 weeks | Depends on reconciliation/missing credits |
| Treasury/Bank Credit | 2–5 working days | Post-authorization fund credit |
10) Common Reasons for Delay or Objection
| Issue | Impact | How to Fix |
|---|---|---|
| Wrong/Unclear GPF Series or Account Number | Ledger mismatch; case returned | Cross-check with earlier statements and HRMS |
| Missing Monthly Contribution Schedules | Credits not posted | DDO to send schedule/correction memo to AG |
| Outstanding Advances Not Reconciled | Excess payment risk | Provide advance ledger and recovery details |
| No Valid Nomination in Death Case | Legal verification required | Submit legal heir/succession certificate and KYC |
| KYC/Bank Details Incomplete | Payment cannot be released | Attach Aadhaar/PAN and cancelled cheque |
| Service/LPC Discrepancies | Revalidation required | Get corrected LPC and service verification |
11) Handling Missing Credits and Corrections
- Identify Gaps: Compare salary slips with GPF ledger; list months where deductions are not reflected.
- Get Schedules: DDO sends missing month schedules or a consolidated correction memorandum to AG (A&E).
- Confirm Posting: Obtain confirmation or a revised statement showing credits before final authorization.
- If Authorization Issued Early: Any late credit may be handled via supplementary adjustment as per procedure.
12) Advances, Part-Final Withdrawals, and Recoveries
- Temporary Advance: Short-term withdrawals recoverable in installments; remaining balance is adjusted at final payment.
- Part-Final Withdrawal: Non-refundable withdrawals allowed under specified conditions (e.g., housing, education); ensure sanction orders are on record.
- Final Adjustment: Any outstanding amount is deducted from final balance; interest is considered as per rules.
13) Suspension, Vigilance, or Departmental Proceedings
- Ongoing Proceedings: Final GPF payment is generally admissible; however, specific recoveries or withholding instructions, if any, from competent authority must be complied with.
- DDO Certificate: Attach vigilance/disciplinary status if the department mandates a check before release.
14) Transfer of GPF on Permanent Absorption/Inter-Governmental Movement
- Inter-State/Central Transfer: Balance can be transferred to the new accounting authority or settled as per option and rules.
- Documentation: Forwarding letter, subscriber details, and certified ledger abstract are required for transfer-out cases.
15) Best Practices to Ensure Smooth Final Payment
- Start reconciliation at least 6 months before retirement or at the earliest upon exit event.
- Maintain a personal file of all salary slips, GPF statements, and advance sanctions.
- Keep nomination updated; revise after marriage, birth, or change in family circumstances.
- Verify bank details and KYC to avoid payment rejection.
- Escalate in writing if there is no movement after reasonable time; keep diary numbers and acknowledgments.
16) Frequently Asked Questions (FAQs)
1) How is interest calculated in the final year?
Interest is applied at the notified GPF rate on monthly running balances and credited up to the point permitted at authorization. Any interest beyond the authorized month is not normally admissible unless rules so provide.
2) Can the family receive final GPF if the employee dies without nomination?
Yes. The legal heirs must submit legal heir/succession certificate; if a minor is involved, guardianship papers are required. The department forwards the verified claim to AG (A&E) for authorization.
3) I see missing subscription months. Will my final payment be delayed?
It may. Ask your DDO to send missing month schedules or a correction memorandum to AG (A&E). Submitting a reconciliation sheet with salary slips speeds up posting and avoids return of the case.
4) What if there is an outstanding temporary advance at retirement?
The outstanding principal (and applicable interest, if due) is adjusted against the final GPF balance before authorization. Ensure the advance ledger and recovery statement are attached.
5) How long does the final payment take?
Timelines vary by completeness of records. With complete schedules and no objections, cases often conclude within a few weeks after receipt in AG (A&E). Incomplete cases take longer.
6) Can the final payment be split between multiple nominees?
Yes. If multiple nominees are recorded, payment is authorized in the proportion specified. In the absence of nomination, distribution follows legal entitlement as per submitted certificates.
7) Do I need to visit the Accountant General’s office personally?
Not usually. Claims are routed through your department/DDO. However, you should track the file and respond promptly if any clarification is sought.
8) Will the final GPF affect my pension or gratuity?
No. GPF is your accumulated provident fund. Pension and gratuity are processed separately under pension/gratuity rules. Recoveries, if any, are handled as per their respective procedures.
9) Can payment be made to an NRE/NRO account?
Payment is normally credited to a domestic bank account in the name of the claimant. For special banking requirements, consult your DDO and providing bank.
10) What if the employee had transferred between departments?
Ensure all inter-office periods are reconciled. Each DDO must forward pending schedules so that the AG ledger reflects a continuous, correct account before final authorization.
17) Action Checklist – Retirement Cases
- Verify GPF series & account number; print latest ledger/statement.
- Reconcile last 24 months’ salary deductions with ledger; list missing credits.
- Get DDO to submit correction memoranda/schedules for missing months.
- Obtain advance/withdrawal ledger and confirm outstanding amounts.
- Prepare final GPF application with KYC, bank details, LPC, retirement order, nomination.
- Submit to DDO; obtain diary number; track forwarding to AG (A&E).
- Follow up till authorization; confirm bank credit; file copies safely.
18) Action Checklist – Death Cases
- Nominee/family collects death certificate and KYC; find latest nomination on record.
- Where no nomination exists, obtain legal heir/succession certificate and guardianship (if minor involved).
- Department compiles salary schedules, ledger abstract, and service verification.
- Submit complete claim via DDO to AG (A&E); track authorization and bank credit.
19) Quick Reference Table – At a Glance
| Topic | Key Point |
|---|---|
| Eligibility | All GPF subscribers on exit; nominee/family on death |
| Core Documents | Final claim, KYC, bank proof, LPC, schedules, nomination/legal heir |
| Interest | Credited up to authorized month as per notified rate |
| Adjustments | Outstanding advances, corrections, overpayments |
| Bottlenecks | Missing credits, wrong series/account, no nomination |
| Best Practice | Start reconciliation 6 months before retirement; keep nomination updated |
Conclusion
The Final GPF Payment process becomes smooth and timely when records are reconciled early, documents are complete, and the DDO forwards a fully verified claim to the Accountant General (A&E) Haryana. Use the checklists, tables, and step-by-step flow above to avoid objections and delays. With correct series/account, updated nomination, settled advances, and accurate monthly schedules, your final GPF authorization and bank credit should conclude efficiently and without stress.