To withdraw your Provident Fund (PF) amount, you can follow these steps, primarily using the online facility provided by the Employees' Provident Fund Organisation (EPFO):
Online PF Withdrawal Process
- Log in to the UAN Member Portal:
- Visit the EPFO Unified Member Portal and log in using your Universal Account Number (UAN) and password. Enter the captcha and click ‘Sign In’
- Verify KYC Details:
- Go to the ‘Manage’ tab and select ‘KYC’. Ensure your Aadhaar, PAN, and bank details are verified and updated. This is mandatory for online withdrawal
- Go to Online Services:
- Click on the ‘Online Services’ tab and select ‘Claim (Form-31, 19 & 10C)’ from the dropdown menu
- Enter Bank Details and Verify:
- Enter your bank account number and click ‘Verify’ to confirm the details. This ensures the PF amount is credited to the correct account
- Submit the Claim:
- Agree to the certificate of undertaking by clicking ‘Yes’.
- Choose the type of claim you want to apply for, such as full EPF settlement, partial withdrawal, or pension withdrawal.
- For advance withdrawal, select ‘PF Advance (Form-31)’ and specify the reason for withdrawal along with the amount and address
- Upload Documents if Required:
- Depending on the reason for withdrawal, you may need to upload scanned documents for verification
- Submit the Application:
- After filling in all details and uploading documents, submit the withdrawal application
- Track Claim Status:
- You can track your claim status by logging into the UAN portal, going to ‘Online Services’, and clicking ‘Track Claim Status’. Enter your reference number to see the status
Important Conditions for Withdrawal
- Your UAN and registered mobile number must be active to receive OTPs for verification
- Aadhaar must be linked and verified in the EPFO system
- Bank account and IFSC code must be registered and verified
- You can withdraw the full PF amount after retirement (age 58) or if unemployed for more than 2 months
- Partial withdrawals are allowed under specific circumstances like medical emergencies, marriage, or home loan repayment
Alternative Offline Method
- You can also withdraw PF by submitting a physical composite claim form available on the EPFO website. This form covers withdrawal, transfer, and advances
The entire online withdrawal process is designed to be quick and convenient, with the amount typically credited to your bank account within a few weeks after approval
. For further assistance, you can contact EPFO toll-free at 14470 or use the missed call and SMS services for EPF balance and details
. This streamlined digital process has made PF withdrawal easier and faster than before
