PF Withdrawal Online: How to Withdraw PF Amount in 8 Easy Steps (2026 Guide)

PF withdrawal allows employees to withdraw their accumulated PF balance online through the UAN Member Portal of the Employees Provident Fund Organisation (EPFO). Members can make a full or partial PF balance withdrawal depending on eligibility and withdrawal conditions. With EPFO 3.0, the process is becoming faster and more convenient, enabling instant PF withdrawals through ATMs and UPI for quicker access to EPF funds.

Latest Update

• A mobile app is expected to be launched by EPFO, by 1st April, 2026, enabling users faster PF balance withdrawals.
• This app uses Aadhar OTP authentication, completing withdrawal process within 24 hours.

Who Can Withdraw PF Online?

EPF balance can be withdrawn online if the following conditions are met:

1. Activated UAN
2. Aadhaar, PAN and bank account are verified
3. Mobile number linked with bank account
4. Retirement, unemployment or on meeting conditions for partial withdrawal. 

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:

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 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, Limits & Rules

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.

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:

PF withdrawal tax depends on the tenure of your service. 

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