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EPF Form 31 – What It Is, Eligibility, Filing Procedure, and Instructions

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.

When can you use Form 31?

Sl.  No.Purpose of WithdrawalWithdrawal LimitsMinimum Service RequiredOther Conditions
1.EducationUp to 50% of employee contribution to the EPF with interest7 yearsExpenses incurred for the education of their children post 10th standard
2.MarriageUp to 50% of the employee contribution to EPF with interest7 yearsMarriage expenses for self, siblings, or children
3.Land purchases or construction/purchase of a new houseFor 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 yearsLand or house to be purchased should be under the name of the member, spouse, or owned jointly with the spouse
4.Home renovationUp to 12 times of a member’s monthly wages with dearness allowance, or employee share with interest, or cost, whichever is least5 yearsThe 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 repaymentUp 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 least10 yearsi. The loan must be taken from an agency

ii. The agency must provide a certificate indicating the outstanding principal and interest
6.Before retirementUp to 90% of the accumulated corpus with interestAfter an individual reaches 54 years of age and within one year of retirement/superannuation, whichever is laterTo 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 interestN/AThe reason for not receiving compensation can be anything other than a strike

What does Form 31 look like?

Form 31 is a 4-page document that looks like this:

Form 31 Page 1

Form 31 Page 2

Form 31 Page 3

Form 31 Page 4

Declaration in Form 31

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:

  • Member name, father/husband’s name
  • Factory/establishment name and address
  • PF account number
  • Basic wage and dearness allowance
  • Full postal address of the member
  • Mode of remittance –
    • Account payee cheque (mandatory for site/house flat purchase or construction through agency, or repayment of housing loan)
    • Electronic mode
    • Money order only in the case of a withdrawal amount less than Rs.2,000
  • Signature of the member and the employer
  • Advance stamped receipt (Re.1 stamp)
  • A section of the page to be filled in by the employer
  • A section for use in the PF Commissioner’s office

How to download Form 31?

Form 31 is available on the EPFO’s official website. Or, you can download it from here.

How to submit Form 31 offline?

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.

Documents required to submit Form 31

Purpose of Form 31 SubmissionDocuments Required
Medical reasons
  • Certificate by the employer
  • Certificate by the doctor
Purchasing a house
  • Declaration
  • Registration certificate of the property
Loan repayment
  • Certificate from the agency stating the outstanding principal and interest
Marriage
  • Declaration within Form 31
Grant advances in special cases
  • Certificate from the employer
Physically handicapped
  • Certificate from the doctor
Withdrawal before retirement
  • Declaration from the member

How to submit Form 31 online?

Step 1: Visit the official website of EPFO https://unifiedportal-mem.epfindia.gov.in/memberinterface/.

Form 31_Step 1

Step 2: Log in to your account by entering the UAN, password, and captcha, and clicking on ‘Sign in’.

Form 31_Step 2

Step 3: Select the option ‘Form-31, 19, 10C & 10D’ under the ‘Online Services’ menu item.

Form 31_Step 3

Step 4: An auto-filled form will be displayed. Enter the last four digits of your bank account number and verify it.

Form 31_Step 4

Step 5: Click on ‘Yes’ when the ‘Certificate of Undertaking’ pop-up window asks you to agree to the terms and conditions.

Form 31_Step 5

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.

Form 31_Step 6

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.

How to check Form 31 claim status?

Step 1: Visit the official website of EPFO at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.

Form 31_Claim 1

Step 2: Log into your account by entering the UAN, password, and captcha. Click ‘Sign in’.

Form 31_Claim 2

Step 3: Click on ‘Track Claim Status’ under the ‘Online Services’ menu item.

Form 31_Claim 3

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.

What you should remember while submitting Form 31?

  • You have to attach a cancelled cheque with the form as a mandatory step for verifying your bank account details.
  • In the case of offline application, certification from the last employer is mandatory.
  • Online application is possible only if the member has linked his bank account, Aadhaar, and PAN with UAN.
  • It takes about a couple of weeks’ time to process the application and transfer funds.

FAQs

Why is my EPF Form 31 rejected?

The EPF Claim Form 31 may be rejected for various reasons, including:

  • Previous Claim: If you have already availed the claim in the past, your application may get rejected.
  • Late Submission: Failure to submit the signed claim form within 15 days of making the online claim application can lead to rejection.
  • Mismatched Details: If the details you entered do not match the records maintained by the EPF office, your claim may be rejected.
  • Signature Discrepancy: If your signature does not match the records maintained by your office, it can result in the rejection of your claim.

It is important to ensure that you meet the necessary requirements and provide accurate information to avoid claim rejections.

What is the processing time for EPF Form 31 EPF?

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.

How much amount you can claim through Form 31?

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.

How to cancel your EPF Form 31?

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.

What does under process mean?

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.

How many times can you claim Form 31?

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.

 

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Quick Summary

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.

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