PF Withdrawal Online: How to Withdraw PF Amount in 8 Easy Steps (2026 Guide)
Employees Provident Fund Organisation (EPFO) allows PF withdrawal to members online through the EPFO Member Portal using UAN and Aadhaar OTP, with no employer approval needed for most claims. Members are allowed to make a full or partial withdrawal of their PF Balance upon fulfilling various eligibility criteria and withdrawal conditions.
The new EPFO 3.0 framework allows members PF withdrawal through ATMs and UPI, increased auto settlement limits and with other prescribed benefits.
PF Withdrawal Online: Quick Summary Table
Withdrawal Type Form Processing Time Employer Approval Full Settlement Form 19 3 to 5 days (online) No Partial Advance Form 31 7 to 10 days No Pension Withdrawal Form 10C 7 to 20 days No
Who Can Withdraw PF Online?
Online PF withdrawal can be done by members who fulfill the following conditions:
- Activated UAN
- Aadhaar, PAN and bank account are verified
- Mobile number linked with bank account
- Retirement, unemployment or on meeting conditions for partial withdrawal.
- Updated date of exit
EPF Withdrawal Online - Quick Summary
Requirements Details UAN activation Mandatory KYC verification Aadhaar and Bank account Employer approval Not required for most online claims Processing time Usually 7–20 days Full withdrawal allowed After 2 months of unemployment or retirement
Documents Required For PF Withdrawal Online
To ensure than PF withdrawal application is not rejected make sure to the following requirements are complete:
- UAN & KYC: UAN must be activated. Also make sure to link Aadhaar and PAN, and verify it.
- Bank Details: Make sure that your bank account is linked with UAN. Also verify your bank details and update if there are any corrections.
- 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.
- Service Overlap: Ensure you do not have overlapping dates between two different companies in your service history.
How to Withdraw PF Online in 8 Steps
The following are the 8 steps to withdraw PF online:
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 entering the required data and click on Verify.
Step 5: Click 'Yes' on certificate of undertaking
Step 6: Click "Proceed for Online Claim".
Step 7: 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 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 via UMANG App
EPFO members also have the option to file for PF withdrawal claims through the UMANG app without having to visit the EPFO Members Portal through the following steps:
Step 1: Open the UMANG app and log in using your registered mobile number.
Step 2: Search for and select “EPFO” services.
Step 3: Tap on “Raise Claim” under employee-centric services.
Step 4: Enter your UAN and verify with OTP sent to your Aadhaar-linked mobile number.
Step 5: Select the type of withdrawal claim:
- Full PF Settlement
- Partial PF Withdrawal (Advance)
- Pension Withdrawal (EPS)
Step 6: Verify your bank account details linked with UAN.
Step 7: Upload required documents, if applicable.
Step 8: Submit the claim request.
Step 9: Note the claim reference number to track status later.
How to Withdraw PF Offline
PF withdrawal can be done offline by downloading the new Composite Claim Form (Aadhaar)/Composite Claim Form (non-Aadhaar).
1. Composite Claim Form (Aadhaar)
- 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.
- Fill and submit the form to the respective jurisdictional EPFO office without the attestation of the employer.
2. Composite Claim Form (Non-Aadhaar)
- You can use the Composite Claim Form (Non-Aadhaar) if the Aadhaar and bank details are not seeded on the UAN portal.
- 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)
Types of PF Withdrawal - Rules & Limits
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 2 months.
The waiting period of pension withdrawals has been extended to 36 months post-unemployment.
| Condition | Limit for Withdrawal Amount |
| Unemployment | 75% of the PF balance immediately after unemployment. Remaining 25% after 2 months of unemployment |
| Pension | 75% after 1 month, and 100% after 36 months of 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:
| Purpose | Limit | Service Required | Conditions |
| Medical | Employee share or 6 months' wages | 12 months | For self or family treatment |
| Education | Up to 10 withdrawals | 12 months | For children's education |
| Marriage | Up to 5 withdrawals | 12 months | For self or marriage of family member |
| House Purchase | Up to 90% of EPF | 12 months | Property in your or spouse's name |
| Home Renovation | 12 times monthly wages | 12 months | Property in your or spouse's name |
| Pre-Retirement | 90% of balance | After 54 or 1 year before retirement | Close to retirement |
| Special Cases | 100% employee share | 12 months | If 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 to 9.5 Years: You can withdraw the full pension amount using Form 10C.
Which Form to File for PF Withdrawal?
The following forms have to be filed by members during PF withdrawal:
- Form 19: For full and final settlement of EPF balance
- Form 31: Partial PF withdrawal
- Form 10C: Pension withdrawal under EPS
Why was PF Withdrawal Claim Rejected?
If your claim status says “PF Claim Rejected” the following might be the reason:
- Name Mismatch: Your name in the EPFO database differs from your Aadhaar or Bank records. Submit a Joint Declaration Form to fix it.
- Unclear Cheque Image: The officer could not read the Name or IFSC code on the uploaded scan.
- Wrong Form: You applied for Form 31 (Advance) but selected "Out of Service" reason, or any similar error.
- Settled but Returned: The money was sent but bounced because your bank account is dormant, frozen, or the IFSC was wrong.
PF Withdrawal Taxability
PF withdrawal tax depends on the tenure of your service.
| Service Tenure | Tax Treatment |
| Service ≥ 5 Years | Withdrawal is 100% Tax-Free. |
| Service < 5 Years | If 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.
EPFO 3.0 - New Withdrawal Methods (2026)
The EPFO has introduced a new EPFO 3.0 framework to enable easier withdrawal process to it's members. The new EPFO 3.0 includes various updates such as:
- ATM and UPI withdrawals
- Increased auto-settlement limit of up to Rs. 5 lakh
- No employer approval required
- Minimum of 25% balance must remain in the PF account
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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