Why was I deposited a smaller amount than I requested in my AFP withdrawal?

Why was I deposited a smaller amount than I requested in my AFP withdrawal?
Why was I deposited a smaller amount than I requested in my AFP withdrawal?

Yes, they could deposit a smaller amount than what you have requested from the AFP. Why? – Credit Composition Infobae/Infobae/Paula Elizalde

Thousands of members have already received their first offafter requesting the AFP withdrawal this 2024. As you remember, last Monday, May 20, the dates began to request your amount, up to 4 UIT, from your pension fund in the LINK https://www.solicitaretiroafp.pe/bienvenido. Currently, the free or late period is valid until August 17, where all members can request their AFP.

However, some of those who have received their amounts have already detailed in different media (social networks of the AFP Association and other forums) that they have received orA deposit with less money than they had requested —In some cases, members have requested their entire fund, since it does not exceed even 1 UIT.

This is something that can happen to anyone who has asked for just the entire amount they have in their AFP account. What is this about?

Although there have been three dates to withdraw AFP with DNI, and from July 2 all members will be able to request (if they have not already done so), only ONE AFP ORDER can be made. – Credit Composition Infobae/Edwin Montesinos/Infobae/Paula Elizalde

Members who have requested amounts less than the entire balance they have in their AFP could receive an amount that does not match what they originally requested. at the time the deposit is made effective. This can happen given the profitability of the funds. As this varies from month to month, if one has an exact amount in their AFP account and asks for it all to withdraw, given the profitability, this could go down.

This was highlighted by Infobae Peru a few months ago: given the profitability, you would not be able to receive the entire amount of AFP that you request. It must be understood that the amount that one requests from his AFP is not frozen. As Diego Pedreschi, head of commercial and market strategy at Capitaria, points out, Infobae Peruthe withdrawal will be made from the total available, “the sum of your contributions and returns”. In your AFP account, you can see that these details are detailed (as well as the amounts you have previously withdrawn), and the sum is your total amount. You request the withdrawal from this last amount.

  • Imagine that your fund is S/5,150 (1 UIT exactly) and is divided like this: S/4,500 of salary contributions and S/650 of cost effectiveness (To the date)
  • Request to withdraw 1 UIT, S/5.150
  • But when they deduct from your AFP to give you your first payment, you no longer have S/650 of profitability, but it was reduced to S/500
  • That is, now they would have S/4,500 + S/500 = S/5,000. That is, that is all they could deduct from you to deposit later.

Even if it is only a slightly smaller amount, you may still not receive everything you have requested from the AFP. You should keep this in mind.

The profitability of the AFPs has already fallen before. Various experts explain to Infobae Peru what is expected of the funds when the withdrawals begin. – Credit Composition Infobae/Edwin Montesinos/Andina

Affiliates with numbers 7, 8, 9 y 0 (or other character) as last digit of the ID and who requested their AFP withdrawal of up to 4 UIT on their first available dates of the schedule should be receiving the deposit of their first UIT from Tuesday, July 2 to Thursday, July 11, according to the maximum dates estimated Infobae Peru based on what was pointed out by the SBS at the time.

And DNI ends in 7 and you applied on Wednesday, June 5, you receive the first UIT at the latest on Tuesday, July 2

  • And DNI ends in 7 and you applied on Thursday, June 6, you receive the first UIT at the latest on Wednesday, July 3
  • And DNI ends in 8 and you applied on Monday, June 10, you receive the first UIT at the latest on Thursday, July 4
  • And DNI ends in 8 and you applied on Tuesday, June 11, you receive the first UIT at the latest on Friday, July 5
  • And DNI ends in 9 and you applied on Wednesday, June 12, you receive the first UIT at the latest on Monday, July 8
  • And DNI ends in 9 and you applied on Thursday, June 13, you receive the first UIT at the latest on Tuesday, July 9
  • And DNI ends in 0 (or other) and you applied on Friday, June 14, you receive the first UIT at the latest on Wednesday, July 10
  • And DNI ends in 0 (or other) and you applied on Monday, June 17, you receive the first UIT at the latest on Thursday, July 11

“For the purposes of the first disbursement only, the 30-day period has been shortened to a shorter period. Thus, for applications submitted on May 20, the AFPs have, at most, until June 14 to make the first disbursement. (…) LThe figure is repeated depending on each application dateif the member submits his application on May 21, his first disbursement will be on June 17, and so on,” he explained to Infobae Peru the SBS.

 
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