PF Withdrawal - How To Withdraw PF Amount Online?

EPFO allows its members to withdraw their accumulated PF balance at the time of retirement or even before retirement due to unemployment or various other reasons. EPF members can now apply for withdrawal directly through the UAN Member e‑Sewa portal under the Online Services section, without any paperwork if KYC is complete. EPFO also introduced instant withdrawal of up to Rs. 1 lakh, while settlement for larger amounts is now faster and automated. The updated EPF withdrawal rules 2025 also allow withdrawal up to 90% corpus for housing purposes after just 3 years of membership, significantly easing funding for home purchases under Para 68‑BD

PF Withdrawal Limit

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EPF can be withdrawn entirely only in case of unemployment or retirement. If the member can withdraw 75% of the PF balance after one month of unemployment. The remaining 25% can be withdrawn after two months of unemployment. In case of retirement, the entire amount can be withdrawn with no limit.

Note: For withdrawing 100% of PF amount, the person should have remain unemployed for at-least 2 months. This has to be noted by person who is withdrawing PF amount, who is unemployed only for the interim period (transition between companies). 

2. Partial Withdrawal

Partial withdrawal of EPF balance can be made only under certain reasons. There are limits fixed for aforesaid reasons. They are explained in detail below: 

Broadly, the withdrawal of EPF can be made either by submitting:

1. Physical application
2. Online application

Physical Application

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.

One may also note that in case of partial withdrawal of EPF amount by an employee for various circumstances as discussed in the above table, the requirement to furnish various certificates has been alleviated, and the option of self-certification has been introduced for the EPF subscribers. (For details, you can refer to order dated 20.02.2017 of the EPFO)

Online Application

The EPFO has come up with an online withdrawal facility, which has made the entire process more comfortable and less time-consuming. The EPFO has reduced the validation steps from the current 27 steps to 18. It further plans to reduce it to 16 steps in the coming years. 

For Aadhaar-verified UANs with complete KYC, employer attestation is not required for online PF transfers and claims, as per EPFO’s current guidelines. Now, Aadhaar-verified UAN holders can update many details like name, DOB, gender, and marital status online without employer approval. However, certain complex errors may still require EPFO office intervention.

Prerequisites

To apply for the withdrawal of EPF online through the EPF portal, make sure that the following conditions are met:

1. The Universal Account Number (UAN) is activated, and the mobile number used for activating the UAN is in working condition.
2. The UAN is linked with your KYC, i.e. Aadhaar, PAN, bank details, and the IFSC code.

If the above conditions are met, there is no need for the previous employer to attest to your withdrawal application.

Steps to Apply For EPF Withdrawal Online on UAN Portal

Step 1: Visit the UAN portal.

Step 2: Log in with your UAN and password. Enter the captcha and click on the ‘Sign In’ button.

Step 3: Click on the ‘Manage’ tab and select ‘KYC’ to check whether your KYC details such as Aadhaar, PAN and bank details are verified or not.

Step 4: Once the KYC details are verified, go to the ‘Online Services’ tab and select the option ‘Claim (Form-31,19,10C&10D)’ from the drop-down menu.

Step 5: The following screen will display the member details, KYC details and other service details. Enter your bank account number and click on ‘Verify’.

Step 6: Click on ‘Yes’ to sign the certificate of the undertaking and then proceed.

Step 7: Now, click on ‘Proceed for Online Claim’.

Step 8: In the claim form, select the claim you require, i.e. full EPF settlement, EPF part withdrawal (loan/advance) or pension withdrawal, under the tab ‘I Want To Apply For’. If the member is not eligible for any of the services like PF withdrawal or pension withdrawal due to the service criteria, that option will not be shown in the drop-down menu.

Step 9: Then, select ‘PF Advance (Form 31)’ to withdraw your fund. Further, provide the purpose of such advance, the amount required and the employee’s address.

Step 10: Click on the certificate and submit your application. You may be asked to submit scanned documents for the purpose you have filled the form. 

How to Withdraw your EPF without UAN?      

You will have to fill the PF withdrawal form and submit it at the Regional Provident Fund Office. Moreover, you can easily check the jurisdiction of your PF office through the alpha-numeric Provident Fund Account Number which shows your state and location from your salary slip.

You will have to follow the old process of PF withdrawal where you submit your identity attestation from a bank manager or magistrate or gazette officer.

EPF Withdrawal Taxability

EPF withdrawal is tax-free when an employee has contributed to the EPF account for five consecutive years. If there is a break in five years' contributions because of reasons like voluntary resignation and leaving employment without transferring EPF balance to the new account, the EPF withdrawal amount becomes taxable for that financial year. 

TDS is deducted if an employee withdraws EPF amount before five years and the amount is above Rs. 50,000. 

Documents Required for EPF Withdrawal

The following documents are necessary to withdraw PF amount:

• Universal Account Number (UAN)
• Bank account information of the EPF subscriber
• Identity and address proof
• Cancelled cheque with IFSC code and account number

EPFO has removed the requirement to submit scanned images of cheque leaves or attested bank passbooks for KYC-compliant UANs in select cases. A cancelled cheque is no longer mandatory where Aadhaar and bank KYC are verified.

How to Check PF Withdrawal Status?

After you apply for PF withdrawal, you can follow the below steps to check the status of your PF withdrawal claim:

Step 1: Log in to the UAN portal using the UAN and password. 

Step 2: Click on the 'Online Services' tab and click on the 'Track Claim Status' option.

Step 3: Enter the reference number.

Step 4: The status will be displayed on the screen. 

Which are the Forms used for EPF Withdrawal and How File?

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

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