PF Withdrawal: How to Withdraw PF Amount Online?

Updated on: Feb 5th, 2026

3 min read

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 Status Purpose Withdrawal Type Form
Employed Emergency Fund or Advance Partial Withdrawal Form 31
Unemployed For less than 2 Months No Withdrawal Possible Wait 2 months
More than 2 Months Full Settlement Form 19 & Form 10C
Retired Monthly Pension Monthly Pension Form 10D
Retirement Final Settlement Form 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:

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?

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)

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.

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)

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.

Condition	Limit for Withdrawal Amount
Unemployment	75% of the PF balance immediately after unemployment. Remaining 25% after 12 months of unemployment
Pension	36 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:

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 - 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:

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.

EPF 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.
Service < 5 Years	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?

Yes, EPF contributions are tax-deductible under Section 80C of the Income Tax Act, 1961 under the old tax regime only.

Can I increase my EPF contributions?

Yes, you can increase your EPF contributions and contribute up to 100% of your basic pay. Such contribution goes to Voluntary Provident Fund (VPF) account.

Will the employer also contribute higher when I do?

No, the employer’s contribution will remain the bare minimum regardless of you opting for VPF.

How many days will it be required to withdraw PF online?

After withdrawal of PF online, it takes around 15-20 working days for the amount to be credited to the employee's account. Auto mode claims with updated KYC can be settled within 3-4 days.

Do I need the employer’s permission to withdraw the amount from EPF?

As per new amendments in the EPF norms, you can withdraw the EPF account without the employer’s permission.

What happens to my EPF account once I quit my job or switch jobs?

Once you quit the job or leave a company and join elsewhere, the EPF account will no longer receive monthly contributions. However, it does not mean that the account will become inactive.
The new employer will create a new EPF account for you when you join another company under the same UAN. You can then request EPFO to merge the previous EPF account with the new one.
In case you do not join a new employer, an additional grace period of three years will be provided for you from your last contribution to withdraw your EPF balance in full. If you fail to do so, your EPF account will be declared inactive. You may have to go through complex procedures to get access to this money.

Will EPFO continue to pay interest on your EPF Account after you leave the company?

If you resign from your job before the age of 58 years your EPF account will be inoperative if you do not apply for EPF withdrawal within 36 months from the date you are eligible to make the application. After your EPF account becomes inoperative you won’t earn further interest on it.

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?

You can consolidate multiple EPF accounts into one account through your UAN (Universal Account Number). Moreover, whenever you change your job, you can see your EPF transactions at the same place. You will have to submit an application to the EPF Office to merge your EPF Accounts. After you merge your EPF accounts, you can follow the normal EPF Withdrawal process either online or offline.

How long will it take for the EPF claim to be settled?

Your EPF claim may be settled within 20 days for offline claims and 3-5 working days (online claims with updated KYC)

I have completed five months in my current organisation. Can I withdraw my EPF money?

No, you cannot withdraw your EPF money unless you are unemployed. According to current EPF withdrawal rules, if you are unemployed for one month, you can withdraw 75% of your EPF Corpus. Moreover, the balance of 25% can be withdrawn if you are unemployed for more than two months.

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?

One of the common reasons why your claim gets rejected is because the Employer doesn’t make EPF contributions for 2-3 months. There isn’t much you could do about this except make sure your Employer regularly contributes towards your EPF. It will solve many problems later on.

How much amount can I withdraw before one year of retirement?

Since the early retirement age is 55 years, you can withdraw up to 90% of the PF balance with interest when you have attained the 54 years, i.e. one year before retirement.

What is the retirement age to withdraw the entire EPF amount?

The retirement age to withdraw entire EPF amount is 55 years. Although 90% of the EPF corpus can be withdrawn at the age of 54, one year before retirement.

How can you withdraw the EPF amount of a deceased employee?

The nominee of the PF account or the legal heir of the deceased employee can withdraw the PF account balance by submitting Form 20 to the PF office. They can withdraw the EPS or pension amount through Form 10D.

What is the retirement age to withdraw the entire EPF amount?

The retirement age to withdraw entire EPF amount is 55 years. Although 90% of the EPF corpus can be withdrawn at the age of 54, one year before retirement.

When the employer has to attest the claim form but is not attaesting it how to submit the application for withdrawal of provident fund?

In case of any dispute if the employer is not attesting the application form, the member may attain attestation from the bank in which he has maintained his account and then submit the same to Regional PF Commissioner, explaining the reasons for not obtaining the signature of the employer, If the member has activated his Universal Accountant Number and linked his bank account and Aadhaar then he can submit composite claim (Aadhaar) which only requires the signature of the member.

About the Author

Mayashree Acharya

Senior Content Writer

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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