Whether you are just a few months away from retirement or faced with unexpected financial obligations, you might have thought of making a withdrawal from your Provident Fund.
Are you worried about standing in queues or waiting for weeks to receive your funds? The good news is that you can now do so from the comfort of your home by filling out the PF withdrawal form online. With EPFO’s introduction of the provident fund withdrawal-online facility, you can instantly claim to withdraw your funds without having to wait in queues.
To understand how the PF online withdrawal process works, just follow this detailed guide on PF withdrawal online process.
Before getting into the PF and EPF withdrawal online application process, let’s go through some essential points.
What is Employees’ Provident Fund (EPF)?
Employee’s Provident Fund (EPF) is a retirement benefits scheme maintained by the EPFO (Employee’s Provident Fund Organization). It also acts as an emergency corpus when met with unforeseen expenses.
When can an Individual Withdraw EPF?
EPF (Employees’ Provident Fund) can be withdrawn completely or partially based on specific conditions. Here’s how the PF withdrawal process works and PF withdrawal rules:
Complete Withdrawal
Learn how to withdraw PF amount below. You can fully withdraw your PF amount in the following cases:
At Retirement: On reaching the age of 58 years.
Unemployment: After 2 months of continuous unemployment.
Permanent Relocation Abroad: If you’re leaving India permanently.
Death of Member: The nominee or legal heir can withdraw the entire amount.
Partial Withdrawal
Learn how to withdraw PF amount partially below.
Partial withdrawals are allowed under certain circumstances while still being employed:
Reason
Eligibility Criteria
Maximum Withdrawal Limit
Marriage (self, sibling, children)
After 7 years of service
50% of employee share + interest
Education (self or children)
After 7 years of service
50% of employee share + interest
Home Loan Repayment
Minimum 10 years of service
Up to 90% of corpus
Medical Treatment (self/family)
No minimum service required
Salary for 6 months or full employee share
House Construction/Purchase
After 5 years of service
Up to 90% of the accumulated balance
Natural Calamity or Emergency
As permitted by EPFO
As per EPFO guidelines
How to Apply For Online PF Withdrawal
Here is how you can follow the PF withdrawal online process:
Step 1. Visit the official portal of EPFO (Employee Provident Fund Organization) to start the online PF withdrawal process.
Step 2. Input your UAN and password in the login section. Then, enter the captcha and click on sign in. Tip: In case you don’t remember your password, you can reset it using the OTP that will be sent to your registered mobile number.
Step 3. Once you’re logged in, you can begin the PF withdrawal process online. Select the ‘Manage’ tab at the top of your page. A drop-down appears.
Step 4. Select ‘KYC’ from the list to check whether your KYC details are verified or not. KYC stands for Know Your Customer and is a complete profile of your personal and financial information.
Step 5. Now, select the ‘Online Services’ tab and click on ‘Claim (Forms 31, 19 &10c)’
Step 6. You will be redirected to a page displaying information such as KYC and other service details. Enter your bank account number that is linked to your UAN. Then click on the ‘Verify.’ option.
Step 7. A pop-up with a certificate of the undertaking will appear. Now, Click on the ‘Yes.’ button. By clicking this option, you confirm that your PF amount will be credited to the bank account you have mentioned.
Step 8. Next, Click on the option ‘Proceed for Online Claim.’
Step 9. Go to the ‘I Want to Apply For’ section. And as per your requirement, you can select from three options. Select ‘Full EPF Settlement’ or ‘EPF Part Withdrawal’ or ‘Pension Withdrawal.’
Step 10. Similarly, select your purpose under the ‘Purpose for Which Advance is Required’ for the EPF withdrawal online process.
Step 11. Now, input the amount of advance you require.
Step 12. Finally, upload the required documents for approval as the last step to withdraw PF online.
With this, your PF withdrawal form online and EPFO online withdrawal application is complete. And the amount will be credited to your account within 15 to 20 days from the date of application.
Now that you know how to apply for PF withdrawal online, let us see how you can do so with the UMANG app.
Documents Required For EPF Withdrawal
You will need to submit the following documents when you apply for PF withdrawal online
Your Aadhar card
PAN (Permanent Account Number) card
UAN (Universal Account Number)
Bank account details
In case you are making PF withdrawal due to consistent unemployment, you will need an attestation from a gazetted officer.
Requirements For the PF Withdrawal Procedure
As a prerequisite, you need to ensure the following points for your PF withdrawal process:
Your UAN is activated, and the mobile number used for its activation is operational.
Your UAN is linked with your Aadhar Card
Your UAN is linked with the IFSC code or your bank account.
Further, your Aadhar must be linked with your PAN
Note: If you fulfil these prerequisites, there will be no need for your previous employer to authenticate your PF or EPFO online withdrawal process.
PF Withdrawal Eligibility Criteria
You can make the PF withdrawal online and offline in these three cases.
On your retirement
On attaining a minimum of 58 years of age.
Unemployment duration of at least two months. In this case, individuals need to get an attestation from a gazetted office.
Withdrawal by the nominated person in case of death.
EPF Withdrawal Forms
Wondering how to withdraw PF online?
Here are the different EPF withdrawal forms and their purposes.
Form
Purpose
EPF Form 19
Used for final settlement of EPF. Applicable if the member has retired or remained unemployed for 2 months or more.
EPF Form 31
Used for partial withdrawal from the EPF account under specific conditions such as marriage, education, home loan repayment, or medical emergencies.
EPF Form 10C
Used for withdrawing pension benefitsunder theEPS (Employee Pension Scheme) while continuing to be a member of the EPFO.
These forms can be submitted online via the EPFO portal for quicker processing and direct credit to your linked bank account.
Tax Liabilities on the Withdraw EPF Amount
The amount of tax liability on withdrawal of PF depends on the duration of service during the time of withdrawal.
In case an employee makes a withdrawal before completing 5 years of service with an organization, they are liable to pay a TDS of 10% if PAN is successfully submitted during withdrawal. Otherwise, they are liable to pay TDS at the rate of 34.6%. Individuals with a corpus less than Rs. 50,000 at the time of withdrawal are exempted from TDS.
While filing their Income Tax Returns, employees must declare the PF withdrawal by selecting ‘Section 10(12) Recognised Provident Fund.’
The PF withdrawal process online is a convenient claim process for employees. It significantly reduces the time taken for the PF amount to be credited to their bank account. In addition to faster processing, the online method eliminates the need for employer attestation, making it a hassle-free and preferred choice for many EPF members.
How to Withdraw PF Using an App?
Using the UMANG app is another way to handle your PF while avoiding physically visiting the office. Mobile apps make the process even more convenient and accessible.
If you want to apply for EPF withdrawal online using an application, download the ‘UMANG’ App. Link it to your Aadhar details and conduct EPF withdrawal online.
What is the UMANG App?
‘UMANG (Unified Mobile Application for New-age Governance)’ is a government application that allows its users to access various government public schemes, including EPF withdrawal online.
According to the official statement, “UMANG is an evolving platform designed for citizens of India to offer them access to the pan-India e-Gov services from the Central, State, Local Bodies, and Agencies of government on app, web, SMS, and IVR channels.”
Here is how you can download the UMANG app:
Go to the Google Play Store and search for UMANG. You will find the official app by MeiTy India in the search results.
Download the app on your device. This will take a few minutes.
Install the app.
Log in with your registered mobile number and OTP.
Enter your UAN.
What Are the Steps For the PF Withdrawal Process Using the UMANG App?
Thanks to the UMANG app, it is extremely convenient to apply for PF withdrawal online. You can do so in five easy steps:
Step 1. Go to ‘Search Menu’ and look for EPFO service.
Step 2. Choose ‘Employee Centric’ and click on ‘Raise Claim.’
Step 3. Now, enter your Universal Account Number.
Step 4. Enter the OTP (One time password) sent to your registered mobile number.
Step 5. Choose the type of withdrawal and click on ‘Submit.’
Congratulations! You’ve successfully filled out the PF withdrawal form online through the UMANG app.
Important note: Always download the UMANG app from the official link in the Google Play Store. Never download the app from an unreliable source or an unknown website. If you download an unauthorized app from WhatsApp or an unverified SMS, the chances are that you may end up compromising your financial information to hackers.
Conclusion
Now you are fully familiar with PF and EPF withdrawal online. Consider the above rules and other eligibility criteria while making a claim to EPFO withdraw money online or withdraw PF amount online. You can use these funds to make home loan repayments or even re-invest for the future.
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Is it compulsory to furnish PAN by employees for EPF withdrawal?
Yes, it is compulsory to submit a PAN for EPF withdrawal. If PAN is not provided, TDS up to 34.6% may be deducted on the withdrawal amount.
How many days will it be required to withdraw PF online?
It usually takes about 20 days to release the PF amount and settle the claim.
Do I need the employer's permission to withdraw the amount from EPF?
No, you do not need your employer’s permission to withdraw your EPF amount if you apply online through the EPFO portal. The UAN-based online claim process allows withdrawal without employer attestation, provided your KYC details (Aadhaar, PAN, and bank account) are verified and linked to your UAN.
Can I make premature withdrawals?
As per PF withdrawal rules, you can make premature withdrawals from EPF under specific conditions and tax implications.
How long will it take for the EPF claim to be settled?
It takes about 20 days for the EPF claim to be settled.
I have completed five months in my current organisation. Can I withdraw my EPF money?
Yes, you can withdraw funds from your Employees' Provident Fund (EPF) account after completing five months in your current organization, but only under specific conditions.PF account holders can now submit online withdrawal claims for up to 75% of their total PF balance or three months’ basic salary plus dearness allowance, whichever amount is lower.
How much amount can I withdraw before one year of retirement?
You can withdraw up to 90% of the PF balance, including the accrued interest before 1 year of retirement.
What is the retirement age to withdraw the entire EPF amount?
The retirement age to withdraw the entire EPF amount is 58 years.
Is there any age restriction in order to become a member of the EPF
No there is no lower age limit to become a member of the EPF. However, an individual who has completed 58 years is not qualified to become a member.
Can I withdraw my PF without resigning?
Yes, you can withdraw your PF partially without resigning, but only under specific conditions. However, full withdrawal is only allowed after retirement, or if you’ve been unemployed for over two months. While employed, only partial withdrawals are permitted based on eligibility and purpose.
29 April 2025
9 mins read
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