A pension is money you save to stay financially secure after retirement. It is built over time through schemes or investment plans.
For example, in the Employee Provident Fund (EPF), you contribute 12% of your basic salary, and your employer adds the same amount. Over time, this creates a fund that you can use after retirement as a stable source of income.
How to withdraw the EPF amount online?
The EPF withdrawal process is simple and can be done online. For this, you need your UAN (Universal Account Number), which is a unique 12-digit number given by the Employees’ Provident Fund Organisation.
Your UAN links all your EPF accounts and is required to withdraw your PF amount online easily.
How to withdraw PF online with UAN?
Step 1:
Log in to the EPFO e-Sewa portal using your UAN and password. If you forgot your password, you can log in using OTP sent to your registered mobile number.
Portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
Step 2:
Visit Online Services and click on “Claim (Form 31, 19 & 10C)”.
Step 3:
Fill your bank account number linked with your UAN for verification.
Step 4:
Accept the terms and conditions after reading them carefully.
Step 5:
Select the reason for withdrawal.
- Less than 10 years of service → Fill Form 10C
- Age between 50–58 → Fill Form 10D (early pension)
Step 6:
Fill in all the required details and upload the important documents to proceed with your application.
Step 7:
Enter the OTP sent to your Aadhaar-linked mobile number to complete verification.
Eligibility Criteria to Withdraw Pension from EPF
To withdraw the pension portion of your EPF account, you must meet one of the following conditions:
- Age 50+ with 10 years of service: You can opt for early pension, but the amount will be reduced.
- 6 months to less than 10 years of service: You can withdraw the pension amount after being unemployed for at least 2 months.
- Age 58 with less than 10 years of service: You can withdraw the full Employees’ Pension Scheme (EPS) amount as a lump sum.
These rules are set by the Employees’ Provident Fund Organisation.
How many days does EPF withdrawal take?
After submitting your application form, the Employees’ Provident Fund Organisation verifies your details and documents. Once everything is correct, your PF amount is usually credited to your bank account within 20 days.
If the amount is delayed, you can raise a complaint on the EPFO portal.
How much can a person withdraw from an EPF account?
The withdrawal limit totally depends on the reason for withdrawal, as per rules of the EPF Organisation, here are the limits:
| Condition | EPF Withdrawal Limit |
| Marriage ceremony | Up to 50% of the total EPF amount |
| Medical emergency | 6 times monthly salary or total EPF amount (whichever is lower) |
| Home renovation | 12 times monthly salary |
| Home loan repayment | Up to 90% of the total EPF amount |
| Unemployment | 75% after 1 month + remaining 25% after 2 months |
| Retirement | Full EPF amount can be withdrawn |
When can you withdraw your pension?
Here are the conditions under which you can withdraw your EPF pension (EPS) contributions:
- After 50 years of age (with 10 years of service): You can opt for early pension, but the amount will be reduced by 4% per year until you turn 58.
- Before 10 years of service (after 6 months): If you leave your job, you can withdraw your pension amount by filling Form 10C, but only after being unemployed for about 2 months.
- At 58 years without 10 years of service: You are not eligible for a monthly pension, but you can withdraw the full pension amount as a lump sum.
| Condition | Withdrawal Rule |
| Age 50+ with 10 years of service | Early pension allowed, but reduced by 4% per year until age 58 |
| Left job before 10 years (after 6 months) | Can withdraw using Form 10C after ~2 months of unemployment |
| Age 58 but less than 10 years service | Not eligible for pension, can withdraw full amount as lump sum |
These rules are set by the Employees’ Provident Fund Organisation.
Documents Required for EPF Withdrawal
To withdraw your EPF pension contribution, you need the following documents:
- Identity proof such as Aadhaar card, PAN card, etc.
- Address proof to verify your place of residence
- Bank account statement in the name of the EPF account holder
- A copy of a cancelled cheque or bank passbook to verify bank account details
- Composite claim form for offline application
- Your UAN should be active, and your KYC details like Aadhaar, PAN, and bank account must be linked and verified
- Personal details such as date of birth and father’s name should match your identity proof
These documents are required as per guidelines of the Employees’ Provident Fund Organisation.
Conclusion
Withdrawing your EPF amount or pension contribution has become much easier thanks to the online services provided by the Employees’ Provident Fund Organisation. Whether you choose to withdraw online using your UAN or offline through the claim form, the process is simple if your KYC details are verified and documents are correct. Understanding eligibility criteria, withdrawal limits, and timelines helps you avoid delays and ensures a smooth experience. Since EPF is an important financial support for retirement, it is always advisable to withdraw funds only when necessary and plan your finances wisely for long-term security.
FAQs
1. When will the EPF amount be credited?
After submitting your application, the Employees’ Provident Fund Organisation usually credits the amount within 20 days, if all details and documents are correct.
2. Can I withdraw my EPF amount without a UAN number?
No, UAN is mandatory for online withdrawal. Without UAN, you will need to apply offline through the EPF office.
3. Is Aadhaar required for EPF withdrawal?
Aadhaar is not compulsory for offline withdrawal, but for online withdrawal, your Aadhaar must be linked and verified with your UAN.
4. What happens if my EPF withdrawal request is rejected?
If your request is rejected, you can check the reason on the EPFO portal, correct the issue, and reapply.
5. Can I withdraw EPF while still working?
Yes, you can withdraw part of your EPF amount for specific reasons like medical emergencies, marriage, or home loan repayment.
6. What is the minimum service required to withdraw EPF pension?
You need at least6 months of serviceto withdraw pension contributions using Form 10C.
7. Is EPF withdrawal taxable?
EPF withdrawal is taxable if you withdraw before completing 5 years of continuous service (with some exceptions).
8. Can I track my EPF withdrawal status online?
Yes, you can track your application status by logging into the Employees’ Provident Fund Organisation portal using your UAN.
9. What is the difference between EPF and EPS?
EPF is your provident fund savings, while EPS (Employees’ Pension Scheme) provides pension benefits after retirement.
10. Can I withdraw the full EPF amount after retirement?
Yes, after retirement (at age 58), you can withdraw the full EPF amount along with pension benefits.
