Nomination in employees provident fund for unmarried male

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I am a member of the Employees Provident Fund and have been voluntarily contributing 100% of my basic salary (Rs.6,500/- per month) for the last several years and have been able to save a significant amount in my EPF account as part of my retirement planning.

I am not married and do not intend to get married or raise a family. Hence, I have nominated my younger sister to be the beneficiary of my EPF corpus in case of my death.

I have just come across 2 clauses in the EPF scheme which has me worried:

1)"If a member has a family at the time of making a nomination, the nomination shall be in favour of one or more persons belonging to his family. 
Any nomination made by such member in favour of a person not belonging to his family shall be invalid."

2)"a family” means— 
(i) in the case of a male member, his wife, his children, whether married or unmarried, his dependant parents and his deceased son’s 
widow and children."

My queries are:

a)whether, after reading these two clauses, my sister's appointment as my nominee is legal and valid since I have no "family" as defined in point 2 given above,

b)that the entire amount(corpus) in my EPF account will be handed over to my sister without any undue complications in the eventuality of my death,

c)can I also appoint my brother or nephew or cousin as my nominee as long as I am not married and do not have a "family" as defined in point 2 above?

Thanks and Best Regards/Kapil Tiwari 

Replies (1)

As per my knowledge, in the event of your death, in case you do not have a family and your mother is alive, she should be getting your PF accumulation.

However, if you do not have any member who qualifies as "family" as per law and your mother is lso not alive, the person you nominate shall be the one who gets the accumulation.

I would further advise that you should check with the relevant PF office and get the right picture from them so as to avoid any complication in the future.

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