EPFO Claim Anomaly Detection

Detected Claim Signals & Review Reasons

Unusually High Withdrawal Amount

Claim amount (₹8,50,000) is >3 SD above member's typical balance/contribution pattern. (Model: Isolation Forest)

Confidence: 95% | Parameter: `claim_amount_vs_avg_balance_sd_3.5`

Multiple Recent Claims to Same Bank Account

Bank A/C (******XY78) linked to 3 other claims settled in the last 30 days from different UANs. (Rule Engine + Network Analysis)

Flagged UANs: 100XXXXXX123, 100XXXXXX456, 100XXXXXX789

Claim from Recently Activated Dormant Account

Member account was dormant for 3+ years. Last contribution: Jan 2020. UAN reactivated 15 days ago. (Model: One-Class SVM)

Confidence: 80% | Parameter: `account_dormancy_period_vs_claim_recency`

KYC Details Recently Updated

Bank account details updated 7 days prior to claim submission. (Informational)

Previous Bank: HDFC, New Bank: XYZ Co-op Bank

Supporting Data Points

Claim Details

Claim Type: PF Final Settlement (Form 19)

Claim Amount: ₹8,50,000

Date of Submission: 25-May-2025

Reason for Withdrawal: Unemployment > 2 months

Processing Office: RO Delhi North

IP Address (Submission): 103.XX.YY.ZZ (Matches general region)

Member Details

Member Name: Suresh Mehra

UAN: 100123456789

Date of Birth: 15-Jul-1980 (Age: 44)

Last Employer: Old Reliable Tech Ltd.

Date of Leaving (Last Est): 15-Feb-2020

Total Service: 12 Years 5 Months

KYC & Bank Details

Aadhaar Verified: Yes, Seeded

PAN Verified: Yes, Seeded

Bank Account Verified: Yes, Seeded

Bank Name: XYZ Co-operative Bank Ltd.

Bank A/C No: ******XY78

Bank IFSC: XYZC0000123

Bank Details Updated On: 18-May-2025

Relevant Transaction/Contribution History

Current Claim Submitted: ₹8,50,000

25-May-2025

Bank Account Details Updated

18-May-2025 (To XYZ Co-op Bank)

UAN Reactivated / Profile Accessed

10-May-2025

Account Became Dormant (No Contributions)

Post Jan 2020

Last Contribution Received

10-Jan-2020 (From Old Reliable Tech Ltd.)

Claim Anomaly Detection Profile