Updated on: May 29th, 2023
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14 min read
Form 31, also known as the EPF Advance Form, is generally used to file a claim for partial withdrawal or advance from the Employees’ Provident Fund (EPF) account. Employees cannot withdraw money from their EPF accounts as and when required. There are set criteria for any sort of withdrawal. Likewise, withdrawal using Form 31 can be done only in specific situations.
Read more to know the details on the same.
Sl. No. | Purpose of Withdrawal | Withdrawal Limits | Minimum Service Required | Other Conditions |
1. | Education | Up to 50% of employee contribution to the EPF with interest | 7 years | Expenses incurred for the education of their children post 10th standard |
2. | Marriage | Up to 50% of the employee contribution to EPF with interest | 7 years | Marriage expenses for self, siblings, or children |
3. | Land purchases or construction/purchase of a new house | For land purchase – Up to 24 times the monthly basic wages and dearness allowance, total employee and employer share with interest, or total cost, whichever is least For house – Up to 36 times the monthly basic wages and dearness allowance, or total cost, whichever is least | 5 years | Land or house to be purchased should be under the name of the member, spouse, or owned jointly with the spouse |
4. | Home renovation | Up to 12 times of a member’s monthly wages with dearness allowance, or employee share with interest, or cost, whichever is least | 5 years | The home to be renovated should be registered under the member’s name, spouse’s name, or jointly held with the spouse The facility can be availed twice: a. After 5 years of the completion of the house b. After the 10 years of the completion of the house |
5. | Loan repayment | Up to 36 times the monthly wages with dearness allowance, or total employee and employer share with interest, or total outstanding principal and interest of the loan, whichever is least | 10 years | i. The loan must be taken from an agency ii. The agency must provide a certificate indicating the outstanding principal and interest |
6. | Before retirement | Up to 90% of the accumulated corpus with interest | After an individual reaches 54 years of age and within one year of retirement/superannuation, whichever is later | To cover their financial expenses. |
7. | Special Cases: i. Closure of establishment for over 15 days and employees are unemployed without compensation ii. The employee has not received a salary for more than two months continuously | Employee share with interest | N/A | The reason for not receiving compensation can be anything other than a strike |
Form 31 is a 4-page document that looks like this:
Form 31 can be considered as proof that the reason for partial withdrawal is well within the specified criteria. The form must be signed by the employee before submission. There are a few fields to be filled by the employer and the EPF Commissioner. You must make sure to fill up the latest and factual information in the form. Also, attach the required documents with the form while submitting.
Form 31 requires you to fill in the following information:
Form 31 is available on the EPFO’s official website. Or, you can download it from here.
Step 1: Download Form 31 as specified above.
Step 2: Fill up the relevant details in the form.
Step 3: Upon filling, contact your employer and get a certification validating your employment with them. Ask them to fill in the designation, date, and signature fields in the form. Do not miss to get the enclosures attested.
Step 4: Submit the duly filled form to the respective jurisdictional EPFO office.
Purpose of Form 31 Submission | Documents Required |
Medical reasons |
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Purchasing a house |
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Loan repayment |
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Marriage |
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Grant advances in special cases |
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Physically handicapped |
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Withdrawal before retirement |
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Step 1: Visit the official website of EPFO https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
Step 2: Log in to your account by entering the UAN, password, and captcha, and clicking on ‘Sign in’.
Step 3: Select the option ‘Form-31, 19, 10C & 10D’ under the ‘Online Services’ menu item.
Step 4: An auto-filled form will be displayed. Enter the last four digits of your bank account number and verify it.
Step 5: Click on ‘Yes’ when the ‘Certificate of Undertaking’ pop-up window asks you to agree to the terms and conditions.
Step 6: Select the ‘Proceed for Online Claim’ option and choose the ‘PF Withdrawal’ option from the dropdown menu as shown in the image below.
Step 7: Choose the ‘PF Advance Form’ and enter the details such as the purpose of withdrawal, withdrawal amount, and other relevant details.
Step 8: Click ‘Submit’ to complete the online application process.
Step 1: Visit the official website of EPFO at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
Step 2: Log into your account by entering the UAN, password, and captcha. Click ‘Sign in’.
Step 3: Click on ‘Track Claim Status’ under the ‘Online Services’ menu item.
Step 4: Select your respective PF office location from the dropdown menu.
Step 5: The following screen displays your region code and PF office code.
Step 6: Refer to your payslip and enter the establishment code.
Step 7: Now, enter your 7-digit account number and click ‘Submit’.
Step 8: The status of your claim will be displayed on the screen.
The EPF Claim Form 31 may be rejected for various reasons, including:
It is important to ensure that you meet the necessary requirements and provide accurate information to avoid claim rejections.
The online application for the withdrawal process of the PF (Provident Fund) may typically take approximately 5-30 days for the PF amount to be credited to your registered bank account. The exact duration may vary depending on various factors and the efficiency of the processing system.
The amount you can withdraw from your PF corpus or Form 31 EPF withdrawal limit is determined by various factors, including the reason for withdrawal and the length of your service period. The specific rules and limits for withdrawal are set by the Employees' Provident Fund Organization (EPFO) and may vary based on individual circumstances.
Once you have submitted Form 31 for PF withdrawal, it is generally not possible to cancel your application. However, in case of urgent situations or exceptional circumstances, you may contact the EPFO Regional Office to seek their assistance or guidance. They can provide further information and support regarding your specific case.
When the status of your application shows as "Under process," it indicates that your claim is currently being reviewed and processed by the relevant authorities. During this stage, it is important to regularly monitor the status of your claim until it is approved and marked as "settled." Keeping track of the progress will help you stay informed about the status of your claim and ensure a smooth processing of your application.
You can make non-refundable withdrawals from your PF (Provident Fund) account two to three times, with a minimum gap of six months between each withdrawal. However, you can only make one withdrawal for a specific reason. This means that while you can withdraw from your PF account multiple times, each withdrawal must be for a different reason.
Form 31, or EPF Advance Form, is used for partial EPF withdrawals. Specific criteria must be met for withdrawal. The form requires various personal and employment details, including purpose of withdrawal, to be filled in and submitted. It can be filed offline by filling out the form and submitting to EPFO office, or online by logging into EPFO portal. Claim status can be tracked online. Ensure accurate details to avoid rejections and expect a processing time of a few weeks for funds transfer.