PF Withdrawal Online: How to Withdraw PF Amount in 8 Easy Steps (2026 Guide)

PF Withdrawal Online: How to Withdraw PF Amount in 8 Easy Steps (2026 Guide)

Employees Provident Fund Organisation (EPFO) allows PF withdrawal to members online through the EPFO Member Portal using UAN and Aadhaar OTP, with no employer approval needed for most claims. Members are allowed to make a full or partial withdrawal of their PF Balance upon fulfilling various eligibility criteria and withdrawal conditions.

The new EPFO 3.0 framework allows members PF withdrawal through ATMs and UPI, increased auto settlement limits and with other prescribed benefits. 

PF Withdrawal Online: Quick Summary Table

Withdrawal Type	Form	Processing Time	Employer Approval
Full Settlement	Form 19	3 to 5 days (online)	No
Partial Advance	Form 31	7 to 10 days	No
Pension Withdrawal	Form 10C	7 to 20 days	No

Who Can Withdraw PF Online?

Online PF withdrawal can be done by members who fulfill the following conditions:

1. Activated UAN
2. Aadhaar, PAN and bank account are verified
3. Mobile number linked with bank account
4. Retirement, unemployment or on meeting conditions for partial withdrawal. 
5. Updated date of exit

EPF Withdrawal Online - Quick Summary

Requirements	Details
UAN activation	Mandatory
KYC verification	Aadhaar and Bank account
Employer approval	Not required for most online claims
Processing time	Usually 7–20 days
Full withdrawal allowed	After 2 months of unemployment or retirement

Documents Required For PF Withdrawal Online

To ensure than PF withdrawal application is not rejected make sure to the following requirements are complete:

1. UAN & KYC: UAN must be activated. Also make sure to link Aadhaar and PAN, and verify it. 
2. Bank Details: Make sure that your bank account is linked with UAN. Also verify your bank details and update if there are any corrections. 
3. Date of Exit: Form 10C or Form 19 cannot be applied if Date of Exit is not updated. Make sure to update the Date of Exit under the Service History section.
4. Service Overlap: Ensure you do not have overlapping dates between two different companies in your service history.

How to Withdraw PF Online in 8 Steps

The following are the 8 steps to withdraw PF online:

Step 1: Login to UAN Member Portal with UAN & Password.

Step 2: Verify your KYC status under Manage > KYC to ensure your Aadhaar and Bank details are correct.

Step 3: Go to the Online Services tab and select Claim (Form-31, 19, 10C & 10D).

Step 4: Verify Bank Account details by entering the required data and click on Verify.

Step 5: Click 'Yes' on certificate of undertaking

Step 6: Click "Proceed for Online Claim".

Step 7: Select the claim type from the dropdown:

• PF Advance (Form 31) – If you are still working.
• Only PF Withdrawal (Form 19) – If you have left the job.
• Only Pension Withdrawal (Form 10C) – If you have left the job.

Step 8: Tick the disclaimer box, enter the OTP sent to your Aadhaar-linked mobile, and click Submit.

Once submitted you can now track your PF Claim Status.

How to Withdraw PF via UMANG App

EPFO members also have the option to file for PF withdrawal claims through the UMANG app without having to visit the EPFO Members Portal through the following steps:

Step 1: Open the UMANG app and log in using your registered mobile number.

Step 2: Search for and select “EPFO” services.

Step 3: Tap on “Raise Claim” under employee-centric services.

Step 4: Enter your UAN and verify with OTP sent to your Aadhaar-linked mobile number.

Step 5: Select the type of withdrawal claim:

• Full PF Settlement
• Partial PF Withdrawal (Advance)
• Pension Withdrawal (EPS)

Step 6: Verify your bank account details linked with UAN.

Step 7: Upload required documents, if applicable.

Step 8: Submit the claim request.

Step 9: Note the claim reference number to track status later.

 

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How to Withdraw PF Offline

PF withdrawal can be done offline by downloading the new Composite Claim Form (Aadhaar)/Composite Claim Form (non-Aadhaar).

1. Composite Claim Form (Aadhaar)

• Use the Composite Claim Form (Aadhaar) if you have seeded your Aadhaar and bank details on the UAN portal and if your UAN is activated.
• Fill and submit the form to the respective jurisdictional EPFO office without the attestation of the employer.

2. Composite Claim Form (Non-Aadhaar)

• You can use the Composite Claim Form (Non-Aadhaar) if the Aadhaar and bank details are not seeded on the UAN portal.
• Fill and submit the form with the employer’s attestation to the respective jurisdictional EPFO office.

For partial EPF withdrawals, employees no longer need multiple certificates. Instead, they can simply use self-certification. (For details, you can refer to the order dated 20.02.2017 of the EPFO)

Types of PF Withdrawal - Rules & Limits

1. Complete Withdrawal

EPF can be withdrawn entirely only in case of unemployment or retirement. A member can withdraw 75% of the PF balance immediately after unemployment and the remaining 25% after 2 months. 

The waiting period of pension withdrawals has been extended to 36 months post-unemployment.

Condition	Limit for Withdrawal Amount
Unemployment	75% of the PF balance immediately after unemployment. Remaining 25% after 2 months of unemployment
Pension	75% after 1 month, and 100% after 36 months of unemployment

Note: To withdraw 100% of the PF balance, a person must be unemployed for at least 2 months.

2. Partial Withdrawal

Partial EPF withdrawal is allowed only for specific reasons, and each has a set limit as below:

Purpose	Limit	Service Required	Conditions
Medical	Employee share or 6 months' wages	12 months	For self or family treatment
Education	Up to 10 withdrawals	12 months	For children's education
Marriage	Up to 5 withdrawals	12 months	For self or marriage of family member
House Purchase	Up to 90% of EPF	12 months	Property in your or spouse's name
Home Renovation	12 times monthly wages	12 months	Property in your or spouse's name
Pre-Retirement	90% of balance	After 54 or 1 year before retirement	Close to retirement
Special Cases	100% employee share	12 months	If no salary for 2 months or closure of establishment

3. Pension Withdrawal Rules

The following rules apply for pension withdrawal:

• Service less than 6 Months: You generally cannot withdraw pension money.
• Service more 9.5 Years: You cannot withdraw pension cash. You are eligible for a monthly pension instead.
• Between 6 Months to 9.5 Years: You can withdraw the full pension amount using Form 10C.

Which Form to File for PF Withdrawal?

The following forms have to be filed by members during PF withdrawal:

• Form 19: For full and final settlement of EPF balance
• Form 31: Partial PF withdrawal
• Form 10C: Pension withdrawal under EPS

Why was PF Withdrawal Claim Rejected?

If your claim status says “PF Claim Rejected” the following might be the reason:

1. Name Mismatch: Your name in the EPFO database differs from your Aadhaar or Bank records. Submit a Joint Declaration Form to fix it.
2. Unclear Cheque Image: The officer could not read the Name or IFSC code on the uploaded scan.
3. Wrong Form: You applied for Form 31 (Advance) but selected "Out of Service" reason, or any similar error.
4. Settled but Returned: The money was sent but bounced because your bank account is dormant, frozen, or the IFSC was wrong.

PF Withdrawal Taxability

PF withdrawal tax depends on the tenure of your service. 

Service Tenure	Tax Treatment
Service ≥ 5 Years	Withdrawal is 100% Tax-Free.
Service < 5 Years	If Amount < ₹50,000, No TDS.
	If Amount > ₹50,000: 10% TDS

Note: If PAN is not linked then TDS will be deducted at 30%.

But if you have worked for less than 5 years, and total income is less than the taxable limit then apply for Form 15G or Form 15H to avoid TDS deduction. 

EPFO 3.0 - New Withdrawal Methods (2026)

The EPFO has introduced a new EPFO 3.0 framework to enable easier withdrawal process to it's members. The new EPFO 3.0 includes various updates such as:

• ATM and UPI withdrawals
• Increased auto-settlement limit of up to Rs. 5 lakh
• No employer approval required
• Minimum of 25% balance must remain in the PF account

PF Customer Care Numbers

PF toll-free number – 14470

PF missed call number for getting to know EPF details –  9966044425

PF balance enquiry number – SMS “EPFOHO UAN” to 7738299899

PF email – employeefeedback@epfindia.gov.in

 

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Frequently Asked Questions

Are EPF contributions eligible for tax deductions?

Yes, EPF contributions are tax-deductible under Section 80C of the Income Tax Act, 1961 under the old tax regime only. 

Do I need the employer’s permission to withdraw the amount from EPF?

As per new amendments in the EPF norms, you can withdraw the EPF account without the employer’s permission.

Can PF be withdrawn without leaving the job?

Yes, partial PF withdrawal can be done in certain cases such as medical, marriage, home purchase without leave the job

Will EPFO continue to pay interest on your EPF Account after you leave the company?

If you resign from your job before the age of 58 years your EPF account will be inoperative if you do not apply for EPF withdrawal within 36 months from the date you are eligible to make the application. After your EPF account becomes inoperative you won’t earn further interest on it.    

Suppose you have two EPF accounts, one related to the past employer and one with the current employer. How can you withdraw the maximum possible amount?

You can consolidate multiple EPF accounts into one account through your UAN (Universal Account Number). After you merge your EPF accounts, you can follow the normal EPF Withdrawal process either online or offline.  

How long will it take for the EPF claim to be settled?

Your EPF claim may be settled within 20 days for offline claims and 3-5 working days (online claims with updated KYC)

How much amount can I withdraw before one year of retirement?

Since the early retirement age is 55 years, you can withdraw up to 90% of the PF balance with interest when you have attained the 54 years, i.e. one year before retirement.

How can you withdraw the EPF amount of a deceased employee?

The nominee of the PF account or the legal heir of the deceased employee can withdraw the PF account balance by submitting Form 20 to the PF office. They can withdraw the EPS or pension amount through Form 10D.

What is the retirement age to withdraw the entire EPF amount?

The retirement age to withdraw entire EPF amount is 55 years.  Although 90% of the EPF corpus can be withdrawn at the age of 54, one year before retirement.

What is Form 31 for PF withdrawal?

Form 31 allows members to apply for partial PF withdrawal in cases of medical, educational or home loan repayments. 

Can I withdraw PF without employer's permission?

Yes, you can withdraw your PF online without employer approval if your UAN is activated and KYC details are verified on the EPFO Member e-Sewa portal.

How long does PF withdrawal take?

PF withdrawal usually takes 7 to 20 working days after successful claim submission through the EPFO Member e-Sewa portal.

Can I withdraw PF while still employed?

Yes, partial PF withdrawal is allowed while employed for specific reasons like medical emergencies, home purchase, education, or marriage.

What is the minimum service for PF withdrawal?

There is no minimum service required to withdraw your PF after leaving a job, but full withdrawal is allowed only after 2 months of unemployment.

How to withdraw PF after leaving job?

You can withdraw PF after leaving your job by submitting an online claim through the EPFO Member e-Sewa portal using your UAN and linked bank account.

What happens to PF if I don't withdraw?

If you do not withdraw your PF, the amount continues to earn interest and remains in your EPF account until retirement age.