PF Withdrawal: How to Withdraw PF Amount Online?

EPFO lets members withdraw their accumulated PF balance at retirement or earlier for emergencies or unemployment. With KYC, withdrawals can be done online via the UAN Member e‑Sewa portal without paperwork. EPFO 3.0, introduced recently, offers more flexibility and member convinience.   

Which Form to File For PF Withdrawal?

Current StatusPurposeWithdrawal TypeForm
EmployedEmergency Fund or AdvancePartial WithdrawalForm 31
Unemployed For less than 2 MonthsNo Withdrawal PossibleWait 2 months
More than 2 MonthsFull SettlementForm 19 & Form 10C
RetiredMonthly PensionMonthly PensionForm 10D
Retirement Final SettlementForm 19 & From 10C/10D

Requirements For PF Withdrawal

To ensure than PF withdrawal application is not rejected make sure to the following requirements are complete:

  1. UAN & KYC: UAN must be activated. Also make sure to link Aadhaar and PAN, and verify it. 
  2. Bank Details: Make sure that your bank account is linked with UAN. Also verify your bank details and update if there are any corrections. 
  3. Date of Exit: Form 10C or Form 19 cannot be applied if Date of Exit is not updated. Make sure to update the Date of Exit under the Service History section.
  4. Service Overlap: Ensure you do not have overlapping dates between two different companies in your service history.

How to Withdraw PF Online?

For full or partial PF withdrawal online, follow the below steps:

Step 1: Login to UAN Member Portal with UAN & Password.

Step 2: Verify your KYC status under Manage > KYC to ensure your Aadhaar and Bank details are correct.

Step 3: Go to the Online Services tab and select Claim (Form-31, 19, 10C & 10D).

Step 4: Verify Bank Account details by entereing the required data and click on Verify.

Step 5: Click "Proceed for Online Claim".

Step 6: Select the claim type from the dropdown:

  • PF Advance (Form 31) – If you are still working.
  • Only PF Withdrawal (Form 19) – If you have left the job.
  • Only Pension Withdrawal (Form 10C) – If you have left the job.

Step 7: Upload the required documents such as Passbook or Cheque. Make sure that the image, Account Number, IFSC Code and other details are clearly visible.

Step 8: Tick the disclaimer box, enter the OTP sent to your Aadhaar-linked mobile, and click Submit.

Once submitted you can now track your PF Claim Status.

How to Withdraw PF Offline?

Download the new Composite Claim Form (Aadhaar)/Composite Claim Form (non-Aadhaar) to withdraw the EPF balance.

Composite Claim Form (Aadhaar)

  1. Use the Composite Claim Form (Aadhaar) if you have seeded your Aadhaar and bank details on the UAN portal and if your UAN is activated.
  2. Fill and submit the form to the respective jurisdictional EPFO office without the attestation of the employer.

Composite Claim Form (Non-Aadhaar)

  1. You can use the Composite Claim Form (Non-Aadhaar) if the Aadhaar and bank details are not seeded on the UAN portal.
  2. Fill and submit the form with the employer’s attestation to the respective jurisdictional EPFO office.

For partial EPF withdrawals, employees no longer need multiple certificates. Instead, they can simply use self-certification. (For details, you can refer to the order dated 20.02.2017 of the EPFO)

What is the PF Withdrawal Limit & Rules?

There is no specified limit for the withdrawal amount. One may choose to withdraw EPF entirely or partially on meeting certain conditions. 

1. Complete Withdrawal

EPF can be withdrawn entirely only in case of unemployment or retirement. A member can withdraw 75% of the PF balance immediately after unemployment and the remaining 25% after 12 months. 

The waiting period of pension withdrawals has been extended to 36 months post-unemployment.

ConditionLimit for Withdrawal Amount
Unemployment75% of the PF balance immediately after unemployment. Remaining 25% after 12 months of unemployment
Pension36 months post-unemployment

Note: To withdraw 100% of the PF balance, a person must be unemployed for at least 2 months.

2. Partial Withdrawal

Partial EPF withdrawal is allowed only for specific reasons, and each has a set limit as below:

PurposeLimitService RequiredConditions
MedicalEmployee share or 6 months' wages12 monthsFor self or family treatment
EducationUp to 10 withdrawals12 monthsFor children's education
MarriageUp to 5 withdrawals12 monthsFor self or marriage of family member
House PurchaseUp to 90% of EPF12 monthsProperty in your or spouse's name
Home Renovation12 times monthly wages12 monthsProperty in your or spouse's name
Pre-Retirement90% of balanceAfter 54 or 1 year before retirementClose to retirement
Special Cases100% employee share12 monthsIf no salary for 2 months or closure of establishment

3. Pension Withdrawal Rules

The following rules apply for pension withdrawal:

  • Service less than 6 Months: You generally cannot withdraw pension money.
  • Service more 9.5 Years: You cannot withdraw pension cash. You are eligible for a monthly pension instead.
  • Between 6 Months - 9.5 Years: You can withdraw the full pension amount using Form 10C.

Why was PF Withdrawal Claim Rejected?

If your claim status says “PF Claim Rejected” the following might be the reason:

  1. Name Mismatch: Your name in the EPFO database differs from your Aadhaar or Bank records. Submit a Joint Declaration Form to fix it.
  2. Unclear Cheque Image: The officer could not read the Name or IFSC code on the uploaded scan.
  3. Wrong Form: You applied for Form 31 (Advance) but selected "Out of Service" reason, or any similar error.
  4. Settled but Returned: The money was sent but bounced because your bank account is dormant, frozen, or the IFSC was wrong.

EPF Withdrawal Taxability

PF withdrawal tax depends on the tenure of your service. 

Service TenureTax Treatment
Service ≥ 5 YearsWithdrawal is 100% Tax-Free.
Service < 5 YearsIf Amount < ₹50,000, No TDS.
If Amount > ₹50,000: 10% TDS

Note: If PAN is not linked then TDS will be deducted at 30%.

But if you have worked for less than 5 years, and total income is less than the taxable limit then apply for Form 15G or Form 15H to avoid TDS deduction. 

PF Customer Care Numbers

PF toll-free number – 14470

PF missed call number for getting to know EPF details –  9966044425

PF balance enquiry number – SMS “EPFOHO UAN” to 7738299899

PF email – employeefeedback@epfindia.gov.in

Also Read:
1. How to Transfer PF Online?
2. How to Link Aadhaar with UAN?
3. EPFO Member Login And How To Download EPF Passbook?
4. Income Tax on EPF Withdrawal

Frequently Asked Questions

Are EPF contributions eligible for tax deductions?
Can I increase my EPF contributions?
Will the employer also contribute higher when I do?
How many days will it be required to withdraw PF online?
Do I need the employer’s permission to withdraw the amount from EPF?
What happens to my EPF account once I quit my job or switch jobs?
Will EPFO continue to pay interest on your EPF Account after you leave the company?
Suppose you have two EPF accounts, one related to the past employer and one with the current employer. How can you withdraw the maximum possible amount?
How long will it take for the EPF claim to be settled?
I have completed five months in my current organisation. Can I withdraw my EPF money?
Suppose your claim is rejected due to no contribution towards EPF. There is only EPF transfer money showing up in the EPF passbook. How can you withdraw the EPF Amount?
How much amount can I withdraw before one year of retirement?
What is the retirement age to withdraw the entire EPF amount?
How can you withdraw the EPF amount of a deceased employee?
What is the retirement age to withdraw the entire EPF amount?
When the employer has to attest the claim form but is not attaesting it how to submit the application for withdrawal of provident fund?
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