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WEB LINK- http://retirals.myndsolution.

com

FAQs & Policies-Provident Fund


1

What is the name and address of the Trust ?


AIL Staff Provident Fund Trust
Plot No.25,Electronic City, Sector-18,
Udyog Vihar, Phase-IV, Gurgaon -122 002

What is the normal retirement age in Provident fund?


58 Years

What is the rate of Contribution?


12% of basic salary and dearness allowance earned by the employee while on duty or on
leave or on holidays with salary, but shall exclude all other allowances and perquisites.
Equal Contribution also contributed by ALIL out of which 8.33% (maximum of Rs. 541/-)
will goes to Pension Fund managed by Regional Provident Fund Commissioner, Gurgaon

What is the voluntary rate of Provident Fund contribution by the member? What is
procedure of enrolment/Changes/discontinuation in VPF.
As per the Act, the member has to contribute at the rate of 12% of his basic pay, D.A. &
retaining allowance if any. In case the member wants to contribute more than this,
voluntarily he can do so at any rate he desires. i.e. up to 88% of basic and D.A. But the
employer is not bound to contribute at the enhanced rate.
An employee can enter in VPF Scheme at any time during the year. Similarly VPF can be
stopped at any time and request for the same can be submitted through regional HR team.
Change in rate of contribution is allowed only in March (payroll cycle) every year and an
employee cant change the rate of VPF before completion of one year tenure of contribution
in VPF.
Please ensure to provide the scan copy of the dully signed filled form to Ms. Neetu Yadav at
neetu.yadav@alcatel-lucent.com on or before 10th day of month for effecting the enrolment
in VPF from current month. Any request received post 10th day of month will be considered
in next month. Please submit hard copy of the Form on or before 20th day of the month. For
enrolment the VPF Declaration Form under tab FORMS is available on web portal of
Mynd Solutions.

For confirmation of receipt of Form, please raise your query on web portal of Mynd
Solutions after 7days of submission of Form to concerned person
5

How are contribution deposited Monthly / Quarterly


Every month Company transfers contribution to trust. All amounts received by Trust are
invested as per pattern of investment prescribed under Rule 67 of the Income Tax Rules,
1962.

What are the rules for appointment of beneficiary/Nominee


1. Each member shall make in his declaration in Form 2, a nomination conferring of the
right to receive the amount that may stand to his credit in the Fund in the event of
his death before the amount standing to his credit has become payable, or where the
amount has become payable before payment has been made.
2. A member may in his nomination distribute the amount that may stand to his credit
in the Fund amongst his nominees at his own discretion.
3. 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:
[PROVIDED that a fresh nomination shall be made by the member on his marriage
and any nomination made before such marriage shall be deemed to be invalid.]

4. If at the time of making a nomination the member has no family, the nomination
may be in favour of any person or persons but if the member subsequently acquires
a family, such nomination shall forthwith be deemed to be invalid and the member
shall make a fresh nomination in favour of on or more persons belonging to his
family.
[(4A) Where the nomination is wholly or partly in favour of a minor, the member
may, for the purpose of this Scheme, appoint a major person of his family, as defined
in clause (g) of Paragraph 2, to be the guardian of the minor nominee in the event of
the member predeceasing the nominee and the guardian so appointed:
PROVIDED that where there is no major person in the family, the member may, at
his discretion, appoint any other person to be a guardian of the minor nominee.]
5. A nomination made under sub-paragraph (1) may at any time be modified by a
member after giving a written notice of his intention of doing so in Form [2] annexed
hereto. If the nominee predeceases the member, the interest of the nominee shall
revert to the member who may make a fresh nomination in respect of such interest.
6. A nomination or its modification shall take effect to the extent that it is valid on the
date on which it is received by the Commissioner.
7

What is meant by Family?


Family means employees' spouse and children below 25 yrs. of age.

Suppose employee does not have a Family and he/she dies before receiving benefit. Does
his/her pension get lost?
No, if he/she does not have a family, benefits will be paid to his/her legal heir and in case

of any disputes between claimants then succession certificate from Court will be mandatory.
Suppose member has not nominated anyone?
In case of unmarried one, the amount will be paid to dependant father or dependant mother
as the case may be.

In case of married one, the amount will be paid to his/her spouse and childrens.
10 How many years service is required to be eligible to receive pension?
Minimum 10 years eligible service will entitle for pension.
11 What is the declaration of employment
At the time of joining employee have to submit Form 11 along-with Form 2 (Nomination
Form) duly filled and Signed by him/her, to respective HR department
1. Employee will fill the Form 11 in following manner :
a. In point no.(a) fill name & address and date of leaving with previous
employer, employee must fill details of last to last employer, if applicable
b. In point no. (b) employee will fill the details of last PF office along with date
of membership of Pension Fund and PF code allotted by previous employers.
c. Employee must fill the details of funds withdrawn/not withdrawn in point
no. (c) to (h)
2. It will be signed by Authorised Signatory of the company and kept these form in
their custody. They will provide these forms whenever required by consultant or PF
Department for inspection.
12 What is the process of PF Transfer from Previous Employer?
Member can apply for PF transfer from his/her previous PF Account Number (with
previous organization) to his/her new PF account number with present employer. Its
mandatory to submit Form 13 in two original copies where funds of previous employer are
managed by PF Trust.
1. Employee can apply the PF transfer through Form No. 13. Serial No. 1 to 8 should be
completely filled and form should be signed by the employee.
Please note :
a) Submission of Form 3A along-with Form 13 is mandatory, if employee had left
the previous organization in current FY and funds are lying with any of the
RPFC.
b) Submission of Form 3A is not mandatory if funds are managed by any of the PF
Trust. In this scenario employee need to obtain Form7PS from previous
employer.
2. Filled Form will be sent to Ms. Neetu Yadav on under-mentioned address:
Alcatel Lucent India Ltd.
Plot No. 406, Fortune Towers,
Building No-1, Udyog Vihar, Phase-III, Gurgaon 122 016 (Haryana)

For confirmation of receipt of Form, please raise your query on web portal of Mynd
Solutions after 7days of submission of Form to concerned person
3. Mynd Solutions Pvt. Ltd. Will process the form and submit the same with **concern
authority (RPFC/Trust) within 20 days (for new hired within 20 working days from
the date of allotment of PF No. which will be allotted after 20 working days of
disbursement of first salary) from the date of submission. In case of any discrepancy
in application Mynd will inform to employee within 10 working days from the date
of receipt of application by them.
** Concern Authority means the RPFC, Gurgaon/Mumbai where Alcatel is currently
complying. Submission of transfer Form through our own RPFC is mandatory
because before transfer of funds by previous RPFC confirmation of PF Account no.
by RPFC, Gurgaon Alcatel is mandatory.
In case of transfer of funds from Trust of previous employer we will submit the
application directly to Trust.
4. Mynd will provide scan copy of submitted application within 7 working days of to
concerned employee.
5. Employee will get auto generated e-mail from helpdesk team on receipt of transfer of
funds from RPFC/ Trust and he/she can view the same in PF ledger of current year.
6. Normally RPFCs are taking 3-4 months time in transfer of funds. In case of nonreceipt of PF transfer within 4 months employee can follow personally with RPFC,
Gurgaon/Mumbai with help of submitted copy shared by helpdesk team. Employee
can reach RPFC, Gurgaon/Mumbai at following address
RPFC, Gurgaon
The Regional Provident Fund Commissioner
Plot No. 43, Sector- 44,
Gurgaon 122 002 (Haryana)
RPFC, Mumbai
The Regional Provident Fund Commissioner
341, Bhavishya Nidhi Bhawan,
Bandra (East) Mumbai- 400 051
For contact details and e-mail employees can refer to following link of EPFO i.e.
www.epfindia.gov.in

13 What are the Benefits on Leaving/Retirement/death of employee?


The member shall be entitled to the under noted benefits
1. If member want to withdraw funds from Trust after leaving the services of the
company, he will submit the withdrawal form after 2 months from the DOL. All PF
accumulations are taxable in hands of the employee if membership at the time of
leaving is less than 5 years. There is no any tax liability in case of transfer of funds to
his/her new employer account or if member had completed 5 years membership of
the fund.
2. In case of retirement all PF accumulation will be paid to member.There is no tax
liability on the same and funds will be paid to member immediately i.e. there is no
any cooling period of 2 months.
3. In case of death all funds lying in the account of diseased member will be paid to
nominee of the member. There is also no clause of tax liability and cooling period of
2 months.

14 What is the process of PF/EPS withdrawal from Alcatel?


Employee can initiate for PF withdrawal only after two months of his/her Date of Leaving.
For withdrawal of accumulations under-mentioned Forms are required :
a) Withdrawal of Provident Fund : For PF withdrawal from Trust two forms named (i)
Trust withdrawal form and (ii) Form-19 along-with duly signed cancelled cheque is
required
b) Withdrawal of Pension Fund : For withdrawal of pension Form-10C along-with
duly signed cancelled cheque is required.
Exemption on 2 month lock period: In case of retirement/Female Marriage/Moving out of
country.
Filled Form will be sent to Ms. Neetu Yadav on under-mentioned address:
Alcatel Lucent India Ltd.
Plot No. 406, Fortune Towers,
Building No-1, Udyog Vihar, Phase-III,
Gurgaon 122 016 (Haryana)
For confirmation of receipt of Form, please raise your query on web portal of Mynd
Solutions after 7days of submission of Form to concerned person
Payment of Provident Fund : Mynd Team will validate the submitted forms and incase of
any discrepancy they will intimate to employee through e-mail/our help desk support

system (ticket system) within 10 working days from the date of receipt of withdrawal
Forms. For remaining correct forms Mynd will process and pay the funds through
NEFT/Cheque within 45 working days from the date of receipt of claims.
Payment of Pension Fund : EPS (pension) withdrawal application will be submitted with in
a month with respective RPFC after the required verification. Similar procedure, as
mentioned in above paragraph, will be followed for incorrect applications.
Mynd Team will provide scan copy of submitted application to employees. RPFC will
directly pay to employees through NEFT. Tentatively 3-4 months are taking by RPFCs in
settlement of pension withdrawals. If any employee had served more than 9.5 years
(including service period of previous employer, if pension transfer already effected) then
withdrawal is not permissible and benefits of the same will be paid in form of pension on
attaining retirement age/ to nominee in case of death.
15 What are the benefits available to employees while in service?
The member shall be entitled to the under noted benefits while in service:Member may avail non-refundable loan facility against his/her PF accumulations
subject to fulfillment of conditions laid down in the trust rules, for housing
loan,repayment of existing housing loan,marriage (self & dependent family
members) / /medical treatment (self & family) etc.
16 What happens to the Pension Fund (8.33% (maximum Rs.541/- per month)?
RPFC will pay pension to employees in case of retirement and to his/her family in case of
death of the employee. Employee may withdraw contributed amount from RPFC if he/she
had not completed 10 years of service.
17 And /or how about the sending the annual statement of accounts to each employee by a
certain date on a yearly basis.
Yearly statements are available on web portal and can be accessed by individual employees
through login credentials. In statement reflected on web portal, carry forwards balances of
EPS (Pension) are not showing because these funds are managed by the office of RPFC.
Further the benefits of the said scheme is purely based on DEFINED BENEFIT not on
CONTRIBUTION DEFINED
18 What are the forms required for PF & Pension ?
Please visit our web site at http://retirals.myndsolution.com for necessary forms
19 How to get the update balance ?
You can raise a query through our help desk support system (ticket system). and you will
get a statement. If you have not left the company then you can view your PF Accumulations
on website of http://retirals.myndsolution.com with help of login and password provided.
20 How can I get my login ID & password
After disbursement of first salary an auto generated e-mail from helpdesk team will reach to
all new joiners containing login credentials. In case of any further assistance on login
credentials please write to please write to HRSC India at hrsc.india@alcatel-lucent.com

21 What if I forget my password?


Please raise your request through e-mail to HRSC India at hrsc.india@alcatel-lucent.com
22 How can I get information about my PF balance on web site?
Log on to website http://retirals.myndsolution.com  Enter Login ID & password PFLedger for PF statement select year  press view button to view the statement.
23 How can I change my password ?
Log on to website http://retirals.myndsolution.com  Enter Login ID & password
Change Password enter your old & new password & update.
24 How can I see my profile ?
Log on to website http://retirals.myndsolution.com  Enter Login ID & password My
profile view your profile
25 How an employee can access Mynd portal post leaving the service of Alcatel?
Post leaving Alcatel-Lucent an employee can access the web portal of MYND after updation
of his/her e-mail ID.
Under-mentioned flow will helpful in updation of e-mail id :
Log on to website http://retirals.myndsolution.com  Enter Login ID & password My
profile view your profile

Please change
e-mail ID here
and update
profile

26 Why the PF contribution does not reflect for past years?


For ALIL Employees those who are member in trust w.e.f. date of Joining: The
information available on Mynd site from the year 2008-2009 to till date.
For ADI, Chennai Transit Employees: The information on Mynd site is related to current
contribution i.e. January 2009 onwards. However contribution up to December 2008 will be
updated on Mynd site under head PF transfer-in once we will receive the Fund from
RPFC, Chennai & also the date of membership will be updated accordingly. The
PF no. which is mentioned on our site will continue to be the same for future references.
For ALTIPL, Bangalore Transit Employees: The information on Mynd site is related to
current contribution i.e. January 2009 onwards. However contribution up to December 2008
will be updated on Mynd site under head PF transfer-in once we will receive the Fund
from RPFC, Bangalore also the date of membership will be updated accordingly but the
PF no. which is mentioned on our site will continue to be the same for future references
For LTH Transit Employees: The information available on Mynd site is related to current
contribution i.e. January 2009 onwards. Your previous PF fund which was deposited in LTH
Trust A/c till December 2008 is also reflecting in FY 2009-10 PF statement under head PF
Transfer-in.
For Spetial Transit Employees: The information available on Mynd site is related to current
contribution i.e. January 2009 onwards. Your previous fund which was deposited with
RPFC, Noida till December 2008 is also reflecting in FY 2009-10 PF statement under head PF
Transfer-in.
27 Resolution of queries/ doubts of employees
Please raise ticket through web site of Mynd Solutions (http://retirals.myndsolution.com) .
If any employees doesnt have their login credentials then they can write to HRSC India at
hrsc.india@alcatel-lucent.com. Mynd will respond on all the queries with in SLA of 3
working days.

STEPS OF RAISING QUERIES ARE AS FOLLWS :

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Under Home tool bar, user can navigate through different hyperlinks given on this page i.e.
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v.
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vii.
viii.

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Click at Help Desk hyperlink as shown below in the navigation pane window.

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in a predefined query format as shown in below screenshot.

Fill query description


here

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