Employees’ Provident Fund Organisation allows employees to withdraw their PF money online through the UAN Member Portal. Employees can withdraw either the full PF amount or a partial amount based on the rules and eligibility. With EPFO 3.0, the withdrawal process is becoming easier and faster, and members may soon be able to withdraw PF money instantly using ATMs and UPI services.
| EPF Withdrawal Rules 2026 | |
| Withdrawal Methods | EPF money can be withdrawn online through the UAN Member Portal or offline using the Composite Claim Form. |
| UAN & KYC Requirement | Employees must have an active UAN linked with Aadhaar, PAN, and bank account details to withdraw EPF online. |
| Withdrawal Before Retirement | Employees can withdraw up to 90% of their EPF balance within one year before retirement. |
| Full EPF Withdrawal | Full EPF balance can be withdrawn after retirement or if the employee remains unemployed for more than two months. |
| Withdrawal After Unemployment | Employees can withdraw 75% of their EPF balance after one month of unemployment. |
| Partial EPF Withdrawal | Partial withdrawals are allowed for medical emergencies, home loan repayment, buying or renovating a house, marriage, and education. |
| Service Requirement | Some partial withdrawals require a minimum number of years of service, depending on the withdrawal reason. |
Documents For PF Withdrawal Online
Before submitting your PF claim, ensure all the following documents are updated and verified.
- Make sure your UAN is active and your Aadhaar and PAN are linked with verified KYC details
- Verify that your bank account details are correctly linked with your UAN before applying for PF withdrawal.
- You cannot apply for Form 10C or Form 19 if your Date of Exit is not updated. Make sure to update it in the Service History section.
- Verify that the employment dates for different companies are entered correctly without overlap.
How to Withdraw PF Online?
The online PF withdrawal process can be completed by following these steps.
- Log in to the UAN Member Portal using your UAN and password.
- Check your KYC details under “Manage > KYC” and make sure your Aadhaar and bank details are correct.
- Under the “Online Services” menu, select “Claim (Form-31, 19, 10C & 10D)”.
- Add your bank account information and complete the verification process.
- Select “Proceed for Online Claim” to continue.
- From the dropdown menu, select the type of PF claim you want to apply for:
- PF Advance (Form 31) for employees still working.
- PF Withdrawal (Form 19) after leaving employment.
- Pension Withdrawal (Form 10C) after leaving employment.
- Check the declaration box, type the OTP sent to your mobile number, and submit your claim request.
How to Withdraw PF Offline?
Employees can withdraw PF offline using the Composite Claim Form (Aadhaar) or Non-Aadhaar form.
1. Composite Claim Form (Aadhaar)
- If your UAN is activated and Aadhaar and bank details are updated on the UAN portal, use the Aadhaar Composite Claim Form.
- After filling the form, submit it directly to the respective EPFO office without employer approval.
2. Composite Claim Form (Non-Aadhaar)
- If Aadhaar and bank details are not updated on the UAN portal, use the Composite Claim Form (Non-Aadhaar).
- Complete the form and submit it to the respective EPFO office after getting it signed by your employer.
Note: Employees no longer need to submit multiple certificates for partial EPF withdrawal. Self-certification is now enough. (Refer to the 20.02.2017 order of Employees’ Provident Fund Organisation.)
Who Can Withdraw PF Online?
You can withdraw your EPF amount online after meeting the following conditions.
| Requirement / Condition | Details |
| Activated UAN | An active Universal Account Number (UAN) is mandatory for online EPF withdrawal. |
| KYC Verification | Aadhaar, PAN, and bank account details must be verified with the EPF account. |
| Mobile Number Requirement | The mobile number linked with Aadhaar and bank account should be active for OTP verification. |
| Eligibility for Withdrawal | EPF withdrawal is allowed after retirement, unemployment, or for approved partial withdrawal purposes. |
| Employer Approval | Employer attestation is generally not required for most online EPF claims. |
| Processing Time | Online EPF claims are usually processed within 7–20 working days. |
| Full EPF Withdrawal | Full withdrawal is permitted after retirement or after 2 months of unemployment. |
| Partial EPF Withdrawal | Partial withdrawals are allowed for medical treatment, education, marriage, home purchase, home loan repayment, or house renovation. |
When can you withdraw EPF?
Employees can withdraw their PF money in certain situations. They can take the full amount after retirement at age 58 or if they are unemployed for more than two months.
They can also take some money earlier for needs like marriage, medical emergencies, buying a house, or education.
Before applying, employees must meet the required rules. The amount they can withdraw depends on the reason and how many years they have worked. They also need documents like UAN and Aadhaar to complete the process. Understanding these rules helps employees use their PF money in the right way.
Types of PF Withdrawal, & Limits
1. Full Withdrawal
Employees can fully withdraw their EPF amount only in cases of retirement or unemployment. They can withdraw 75% of the balance after becoming unemployed and the remaining amount after 2 months. The pension withdrawal waiting period is 36 months.
| Condition | Withdrawal Allowed |
| Unemployment | 75% of PF balance after unemployment; remaining 25% after 2 months |
| Pension Withdrawal | 75% after 1 month of unemployment; 100% after 36 months |
Note: You are eligible for full PF withdrawal only if you have been unemployed for two continuous months.
2. Partial Withdrawal
You can withdraw some EPF money only for specific reasons. The amount depends on the purpose and certain conditions.
| Purpose | Withdrawal Limit |
| Medical Treatment | Up to 6 months’ salary |
| Education | Up to 10 times |
| Marriage | Up to 5 times |
| House Purchase | Up to 90% of EPF balance |
| Home Renovation | Up to 12 months’ salary |
| Pre-Retirement | Up to 90% of PF balance |
| Special Cases | 100% withdrawal allowed |
3. Pension Withdrawal Rules
These are the rules for pension withdrawal:
- If you worked for less than 6 months, you usually cannot withdraw pension money.
- If you worked for more than 9.5 years, you cannot take a pension as a lump sum. Instead, you will get a monthly pension.
- If you worked between 6 months and 9.5 years, you can withdraw the full pension amount using Form 10C.
Form to Use for PF Withdrawal
You need to fill different forms based on your requirement:
- Form 19: It is used to withdraw your full EPF amount, usually after retirement or when you are unemployed. You can apply online by logging in with your UAN, going to “Online Services”, selecting “Claim (Form 19)”, and verifying with Aadhaar OTP.
You can also apply offline by downloading Form 19, filling in your PF details, bank details, PAN, job dates, and address, attaching a cancelled cheque, and submitting it at the EPFO office.
- Form 31: It is used to withdraw some PF money for needs like home repair, medical expenses, or education. To apply, your KYC, PAN, Aadhaar, and bank details must be updated.
You can use this to take some PF money for needs like medical, education, or home repair. Make sure your Aadhaar, PAN, and bank details are updated. Log in, go to “Claim”, choose “PF Advance (Form 31)”, fill in details, enter OTP, and submit.
- Form 10C: This is used to withdraw your pension (EPS) money. Log in to the UAN portal, go to “Claim”, and choose “Pension Withdrawal (Form 10C)”.
After that, verify your bank details using OTP and submit the request. You will receive an SMS when your claim is processed and the money is sent to your bank account.
Why was your PF claim rejected?
If your PF claim is rejected, it may be due to these reasons:
- Your name in EPFO does not match your Aadhaar or bank records, so it needs to be corrected.
- The cheque image you uploaded is not clear, so details like name or IFSC cannot be read.
- You selected the wrong form or wrong reason while applying.
- The money was sent but failed because your bank account is inactive, blocked, or has incorrect details.
PF Withdrawal Tax
Tax on PF withdrawal depends on how long you have worked.
| Service Period / Condition | Tax Rules on PF Withdrawal |
| 5 Years or More | PF withdrawal is fully tax-free |
| Less Than 5 Years + Amount Below ₹50,000 | No TDS deducted |
| Less Than 5 Years + Amount Above ₹50,000 | 10% TDS deducted |
| PAN Not Linked | 30% TDS deducted |
| Income Below Tax Limit | Submit Form 15G/15H to avoid TDS |
PF Customer Care Details
| EPFO Contact Service | Details |
| Toll-Free Number | 14470 |
| Missed Call Number | 9966044425 |
| SMS Service | Send “EPFOHO UAN” to 7738299899 |
| Email Support | employeefeedback@epfindia.gov.in |
Conclusion
Employees’ Provident Fund Organisation has made the PF withdrawal process simple and fast through the UAN portal. Employees can withdraw their PF money online or offline as per the rules. Features like Aadhaar OTP verification and self-certification make the process easier. Before applying, employees should check that their UAN, KYC, bank details, and service history are updated correctly to avoid rejection.
FAQs
1. Can I withdraw my PF amount online?
Yes, you can withdraw your PF amount online by the UAN Member Portal if your UAN is active and KYC details are verified.
2. What documents are required for PF withdrawal?
To withdraw PF online, your UAN, Aadhaar, PAN, and bank details must be linked and verified.
3. How long does EPF withdrawal take?
Online EPF claims are usually processed within 7 to 20 working days.
4. Can I withdraw 100% of my PF balance?
Yes, full PF withdrawal is allowed after retirement or after being unemployed for at least 2 months.
5. Can I withdraw PF while still working?
Yes, partial PF withdrawal is allowed for specific reasons like medical treatment, education, marriage, or home purchase.
6. Which form is used for full PF withdrawal?
Form 19 is used for full EPF withdrawal.
7. What is Form 31 used for?
Form 31 is used for partial PF withdrawal or PF advance.
8. Is employer attestation required for online PF withdrawal?
No, employer attestation is generally not required for most online EPF claims.
9. Why does a PF claim get rejected?
PF claims may be rejected due to incorrect KYC details, mismatch in records, wrong claim form, or inactive bank account details.
10. Is PF withdrawal taxable?
PF withdrawal is tax-free after 5 years of service. If withdrawn before 5 years, TDS may apply depending on the amount and PAN status.
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