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You pay for the effort,
not a cut of your savings.
Most EPF services charge a percentage of your balance. We think that's a wealth tax on your hard-earned money. At Kustodian, fees are based on complexity, not your net worth.
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Why the percentage model fails (by design)
The effort required to fix a name mismatch or a stuck transfer doesn't increase just because your PF balance is higher. Yet, percentage-based pricing makes you pay more for the same work.
Misaligned Incentives
Consultants cherry-pick large balances and ignore difficult small cases.
Hidden Workload
They file the request, but you do 60% of the chasing when things get messy.
Conflict of Interest
Their fee depends on your wealth, not the actual resolution speed.
The Kustodian 95% Ownership
We don't just "advise." We take ownership of the execution so you don't have to chase HR teams or visit offices.
Forensic Investigation: We scan your service history to find exactly what's broken.
Full Coordination: We bridge the gap with past/present employers. No more chasing HR.
End-to-End Filing: Every document prepared and every grievance tracked.
Signature Rule: If the law requires your presence, we prepare the entire dossier. You just sign—nothing more.
How Pricing Actually Works
Every engagement starts with a Free Audit to calculate your Complexity Score.
COMPLEXITY DRIVER
LOW SCORE (LOWER FEE)
HIGH SCORE (HIGHER FEE)
Submission Path
100% Online / Digital
Physical/Manual Form Attestation
Employer Status
Active & Responsive HR
Defunct / Closed / Unresponsive
Service History
Single UAN / Clean Data
Multiple UANs / Fragmented History
Simple cases (Complexity Score 0) are shown how to fix for free. We only charge for manual effort
The Kustodian Promise
Locked Pricing
Our quote never changes, regardless of how long the case takes.
Resolution Focused
You pay for a closed case, not just a 'filing attempt'.
Full Refund Guarantee
If system constraints prevent resolution, your fee is refunded in full.
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