How To Withdraw PF Online

Here we provide the details of what is PF, EPF, How To Withdraw PF Online, Required Documents to withdraw the EPF amount,  EPF Withdraw Process etc., Employee Provident Fund is a scheme instated by the government, as per the Employee Provident Fund Act of 1952, wherein you and your employer contribute a specific amount each month. Since money is invested monthly, it helps you build a corpus for your post-retirement life. While your PF account will change every time you start working at a new organization. EPFO allows withdrawal of 75% of the EPF corpus after 1 month of unemployment. The remaining 25% can be transferred to a new EPF account after gaining new employment. As per the old rule, 100% EPF withdrawal is allowed after 2 months of unemployment.

Post Office PPF Scheme 15 years

Universal Account Number (UAN),

The consolidated EPF account, identified by your Universal Account Number (UAN), will not change. This 12-digit UAN is extremely useful and is all you need to check your PF details.

How to withdraw PF money using UMANG App

1. Download the UMANG App.
2. Go to the search menu and look for EPFO Service.
3. Choose “Employee Centric”, click “Raise Claim” and enter EPF UAN Number.
4. Enter the OTP that is sent to your phone number, choose type of withdrawal and submit through UMANG.

Documents Required for PF Withdrawal Form

1. Form 19.
2. Form 10C and Form 10D.
3. Form 31.
4. Two revenue stamps.
5. Bank account statement.
6. Identity proof.
7. Address proof.
8. A blank and cancelled cheque (IFSC code and account number should be visible).

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How to Withdraw EPF Offline?

1. Download the Composite Claim Form (Aadhaar or non-Aadhaar).
2. Individuals applying through the Composite Claim Form (Aadhaar) need to link the Aadhaar number with the primary bank account number.
3. On the other hand, individuals applying with the Composite Claim Form (Non-Aadhaar) need not do the Aadhaar seeding process to withdraw EPF.
4. Once individuals fill out data, they must submit the form to the respective jurisdictional EPFO office. Here, the attestation of the employer is also needed.

How to Withdraw EPF Online?

1. First Visit the Member e-Sewa portal on the EPFO portal.
2. Sign in to your account with a password, UAN and Captcha code.
3. Select ‘Claim (Form-19, 31, 10C & 10D)’ from the ‘Online Services’ tab.
4. A new webpage will open where you need to provide the correct bank account number linked with UAN.
5. Click on Verify.
6. After verifying bank account details, you need to confirm the terms and conditions mentioned by EPFO.
7. Select ‘Proceed For Online Claim.’
8. Here, you need to select the reasons for the withdrawal from a drop-down list.
9. Remember, the given listing shows options based on your eligibility.
10. Once individuals complete selecting the reasons for withdrawal or advance, they need to provide their address. Please note that individuals claiming an advance must mention the amount and upload the scanned copy of the required documents (as instructed by EPFO).
11. Click on terms and conditions.
12. Select ‘Get Aadhaar OTP.’
13. An OTP will be sent to your registered mobile number. Insert the OTP in the relevant box.
14. After successfully entering OTP, the online claim for EPF withdrawal will be submitted.

To withdraw EPF online, individuals have to activate UAN and link it with the KYC, i.e. Aadhaar, PAN and bank details. Once all the conditions are met, individuals can easily claim for EPF withdrawal.

Official Website

Online Apply

When Can EPF Be Withdrawn?

1. Retirement: Individuals retiring from employment at the age of 55 are eligible for EPF withdrawal.
2. Unemployment: Individuals who have remained unemployed for two months can withdraw 75% of the total EPF amount.
3. Medical Purpose: When EPF withdrawal is made for medical purposes, the claiming process does not require a minimum service year.
4. Wedding: To withdraw EPF for wedding purposes, individuals must have a minimum of 7 years of service life.
5. Repayment for Home Loan: Individuals withdrawing EPF to repay a home loan must complete 3 years of service life.
6. Purchase or Construction of House: The eligibility for EPF withdrawal in case of purchase or construction of a house is that the concerned individual must have completed 5 years of service.
7. Renovation or Reconstruction of House: Those withdrawing EPF for renovation or reconstructing a house must have 5 years of service life.

How Much Time Does It Take to Withdraw EPF?

The time taken for clearing the claims from the pension body depends on the mode of withdrawal application. These are mentioned below –

1. Now, following the Government of India’s initiative to ease the process of settling EPF claims, EPF customers can get their claim settled in 5 days.
2. On the other hand Once your claim is processed, the requested amount will be transferred to your bank account. Generally, it takes around 15-20 working days for the money to be credited to the employee’s account.

PF Withdrawal Rules 2022