is reader-supported. When you buy through links on our site, we may earn an affiliate commission. Learn more.

PF Withdrawal Online Process

June 16, 2022

Want to know PF Withdrawal Online Process? Well you have landed on the right article, make sure to read the article to know the process of epf withdrawal online

Did you ever wonder if you can withdraw your EPF contributions partially and also can make a premature withdrawal?

This guide has covered it all right from steps on how to withdraw pf online partially or completely and other relevant information, including how to apply for a home loan against your EPF funds.

Employee Provident Fund (EPF) or Provident Fund (PF) is a mandatory equal amount of contribution by every employer and employee as one of the retirement benefits. To inculcate the habit of savings among employees the contributions were initiated.

At the time of retirement, the EPFO pays a lump sum amount to the employee that also includes the accumulated interest in the funds.

PF Withdrawal Online Process (2022 Updated)

When Can You Choose To Withdraw EPF?

Members of the PF account can choose to withdraw EPF either completely or partially.

  1. Complete Withdrawal

An employee can choose to withdraw completely if he/she falls under any of the following circumstances.

  • When an employee retires, can withdraw for once and all 

  • When an employee is unemployed for more than or equal to 2 months can withdraw by getting an attestation from a gazetted office.

Note- The interim period between switching jobs cannot determine the status of “unemployed”.

  1. Partial Withdrawal

For partial withdrawal of the fund, specific reasons have to be met, and the same is stated below, along with the limit that fulfills the definition of partial withdrawal.


Withdrawal Limit

Years of service to be completed

Additional Reasons

Medical Expenses

Least of:

  • Up to 6 times the member's basic pay, or
  • Entire contribution of employees, including interest

No criteria

Medical treatment to the employee, or spouse, or parents, or children.


Up to 50% of the contribution that is made by the employee in the EPF account.

7 years

Marriage of the employee, or son or daughter, or brother or sister.


Up to 50% of the contribution that is made by the employee in the EPF account.

7 years

For post matriculation education of the employee's son or daughter or for him/herself

Purchase or construction of a flat or purchase of a land

For purchase of flat/house-

Up to 3 years of employee's basic salary plus dearness allowance.

For purchase of plot/land-

Up to 2 years of employee's basic salary plus dearness allowance or the cost of the plot/land whichever is lower applies.

The above withdrawal cannot exceed the cost of the property.

5 years

1. The construction should take place within 6 months and must complete within 12 months of the previous installment withdrawal.

2. Registration of name either employee/spouse's/jointly.

3. Employees can only avail themselves of this once in a lifetime of service.

Repayment of Home Loan and House Renovation

For Loan Repayment-

Least of the three:

  • Up to 36 months of employee's basic pay plus dearness allowance.
  • The combined total amount of employer and employee contribution towards the fund
  • The outstanding principal amount of the loan taken, including interest
    For Renovation-

Least of:

  • 12 month's salary of the employee including dearness allowance or
  • Employee contribution towards the fund, including interest or total cost.

For Loan-

Greater than 10 years

For Renovation-

5 years

1. Amount in PF account(along with interest) at the time of withdrawal should be more than Rs.20,000, including spouse's fund amount.

2. Property name has to be registered in the name of employee/spouse/jointly.

3.Permitted housing loan documents or, as stated by the EPFO, should be submitted

For Renovation-

The 2nd point applies here as well.

And this option can be used only two times, once after 5 years of completion of the house and second is after 10 years of completion of the house.

Withdrawal before retirement

Up to 90% contribution made into EPF account to date.

The employee should be equal to or above 54 years old

The withdrawal should be one year before the retirement of the employee

Online PF Withdrawal Procedures

We can make the procedure for withdrawing EPF via online submission of a form or offline, i.e. by submitting a physical application.

  1. Online Application

Before applying for epf withdrawal online,  employer should activate the employee’s UAN (i.e. Universal Account Number) and has to be linked with Aadhaar, phone number, PAN, and bank details such as IFSC code.

If the employee’s UAN is not activated and is not linked with the KYC, the employee can approach the employer to get attestation for PF withdrawal.

Following Are The Steps To Apply Online In UAN Portal:

Step 1- To know claim pf online,  Visit the EPFO portal and click on the first tab in the column, i.e. “services tab."

verify capcha

Step 2- After clicking on the service tab, you can see the “for employees” option and select that option.

verify capcha

Step 3- It takes you to a new page where you can select “Member UAN/ online service (OCS/OTCP)” from the “Services” column, as shown below.

verify capcha

Step 4- By clicking on that, it will again direct you to a new webpage wherein you have to enter your details of UAN, password, and captcha code.

verify capcha

Step 5- Then you can find the KYC option under the Manage tab and click on that.

verify capcha

Step 6- On clicking the KYC option, you can see a new page where if you see “Digitally approved KYC” at the bottom of the page that means your KYC details such as PAN, Aadhaar number, and bank details are verified.

(Cross-check all the rows if the information contained is correct).

verify capcha

Step 7- On the same page click on the "online services" tab from the top panel to continue the withdrawal process. Then, from the drop-down option, select "CLAIM (Form-31,19, &10C)."

verify capcha

Step 8- Then you will be automatically redirected to a new webpage where the CLAIM (FORM-31,19 & 10C) will be displayed.

Fill the form by giving your bank details (i.e. Last four digits of your registered bank account) and verify to proceed.

verify capcha

Step 9- Verify and click “yes” on the displaying certificate of the undertaking.

verify capcha

Step 10- Next, click on the "proceed for the online claim."

In the claim form as an employee, you are required to select an option claim from the options of EPF part withdrawal (loan/advance), pension withdrawal, or full EPF settlement to proceed.

Step 11- Then click on “PF Advance (FORM-31)” when shown on the screen next to the “I want to apply” option.

The employee has to choose an appropriate reason for which the advance is being withdrawn from the drop-down menu. If the employee has failed to meet the services criteria for any withdrawal, then the option will not be displayed in that section.

Fill in the fields of address, required amount to be withdrawn, and tick the check box at the bottom of the page and submit the form. 

In certain circumstances, depending on the withdrawal nature, the purpose might be asked to scan some documents.

After the employer approves the request for PF withdrawal, then all you have to do is wait for 15-20 days until the amount gets credited directly into your bank account.

The same will be notified of your registered mobile number via an SMS.

Note: The burden of uploading or submitting various documents depending on withdrawal has been reduced and the concept of self-certification has been introduced for the EPFO members.

Before sanctioning any credit of PF amount, the EPFO conducts a verification procedure. Only once the verification is successfully conducted and the employee’s application is valid to permit for withdrawal then employees will be able to withdraw the funds either partially or completely.

Physical Application

Again, before submitting the claim form offline, the employee has to make sure that his or her UAN details are linked and present in the EPFO portal. However, there is a separate form for non-Aadhaar cardholders.

There are two forms present to claim EPF withdrawal offline. Composite claim form (for Aadhaar and Non-Aadhaar). 

One can download the above forms from the official site of EPFO or just by searching online.

  • Composite Claim Form (For Aadhaar Cardholders) 

  • Download the form online if you have given your Aadhaar details and bank details on the UAN portal and your UAN are linked with the same.

  • Fill the form duly and submit it to your nearest center of EPFO office 

  • Composite Claim Form (For Non-Aadhaar Cardholders)

  • Download the composite claim form (Non-Aadhaar) only if you have not linked your Aadhaar and bank details with UAN in the portal.

  • Duly fill in the form and submit it to your nearest center of EPFO office after getting attested by your employer.

Application of Home Loan Based on EPF Accumulation

An employee with a PF account can partially withdraw funds during their course of service from the account for repayment of the home loan or purchase of land/house. 

To satisfy eligibility criteria for availing loan against PF funds, the employee has to finish 5 consecutive years of service. 

Follow the below procedure to avail of a loan based on your PF account balance:

  • Gather required documents and send them to apply for a home loan. Apply for the loan through any agency or housing society. 

  • Next, send in the prescribed format application to the commissioner of EPF.

  • You will receive a statement revealing from the commissioner of EPF, the contributions that were made towards the funds of the last three months.

  • Either submit this statement or you can print the last three months’ contributions made towards the PF account to the housing society.

(This provides for an estimate of the loan amount you’ll be approved for based on your current level of the amount in the PF account).

How To Apply For A Home Loan Through the UAN Member Portal?

The steps below can be followed to apply for a loan through the UAN portal:

Step 1: Visit the UAN Member e-Sewa portal (just put these keywords in the search bar online it will navigate you to the UAN portal).

Step 2: Go to the UAN member portal and log in.

Step 3: Next, go to the “online services” tab and pick “claim (form-31,19, & 10C)” from the drop-down menu.

Step 4: Enter the member’s bank details and other required details and click on “verify."

Step 5: Click on “yes” to sign the displaying certificate.

Step 6: Next, click on the “proceed to the online claim.

In the claim form, you are required to select a reason from the “I want to apply for” bar.

The reasons as discussed in the table will only be displayed only if you have met the criteria of service.

Step 7: Select the option “PF advance (Form 31)” as a loan or an advance to start the process of withdrawal of your funds. Fill out the rest of the form, including the amount you want to withdraw and your address.

Step 8: You may be asked to scan and upload specific papers depending on your withdrawal. If asked, upload after clicking on the “certificate and apply”.

EPFO verifies the documents (if any) and the application. After successful verification, the organization directly pays the amount to the housing society.

Missing of Exit Date That Delay Your Withdrawal

The reason your PF withdrawal is taking longer than expected could be because of the absence of an exit date. 

Earlier only employers could enter the exit date of the employee, but EPFO has rolled out a new feature that allows the employee to add an ‘exit date’ in the unified portal without depending on his/her previous employer and can do it by themselves.

Follow the below steps to enter an exit date and withdraw your PF funds easily:

Before entering the exit date, ensure that there is no exit date mentioned in the portal. You can verify this by logging into the UAN portal with your logging details and can view it by clicking on the “Service History “from the options in the top panel.

Step 1: Log in to the UAN online portal by entering your Unified Account Number (UAN) and password. 

Step 2: In the dashboard at the top, you will find the “manage” option, click on that, and select the “mark exit” option.

Step 3: Choose Employer Option.

Step 4: Then it will navigate you to a new page where you have to provide details about your joining, resigning. Enter the exit date that is mentioned on your resignation date if the date is within 15 days of a month.

Tax-Free Limit For PF Withdrawals 

As an employee and a taxpayer, you can enjoy a tax-free facility on your PF withdrawals. Yet only when an employee withdraws the funds after serving for 5 consecutive years. 

If an employee withdraws cash before completing 5 years of service, the employer must pay tax on the amounts withdrawn. Here, TDS (Tax Deducted At Source) will be charged.

However, there are several exceptions to the above rule, such as the employee being able to take advantage of tax benefits even if money is withdrawn before the employee has completed five years of service.

The exemptions are:

  • If funds are withdrawn for a medical emergency.

  • When the total value of your PF account is less than Rs.50,000.

  • When you transfer the balance of PF from one PF account to another PF account.

  • In case of discontinuation of your employer’s company.

  • If the funds from the PF account are withdrawn using form 15G or 15H (if you add your PAN details, then 10% TDS will be deducted).

Online Grievance Portal for PF Withdrawal

EPFO offers EPFiGMS or EPF Grievance Management System online. This system allows you to submit a complaint or file a grievance, check the status of your grievance, upload documents regarding the grievance, and also allows changing your password.

A registered EPF member can file all kinds of complaints respecting EPF. The registered PF members, pensioners, and employers can ask any query through this online grievance portal.

To register a complaint or grievance, visit the official website (EPFiGMS) and click on ‘Register’ and fill in the grievance form by giving proper details and then select a status from the drop-down menu.

Give in your PF number, your company name, and your address, complaint name, contact details and enter the captcha code, then submit the form to file a grievance.

PF Withdrawal Rules 

We cannot withdraw the money from the EPF account till retirement. 

  1. An employee can either withdraw partially or completely. To withdraw partially, the purposes must be for them as prescribed reasons. The withdrawal is subject to certain limits. 

  1. Usually, EPF accumulated balance can be withdrawn only after retirement. Employees cannot retire before reaching 55 years. However, the EPFO allows 90% of 1 year accumulated PF for withdrawal, given that the employee should not be less than 54 years.

  1.  In case of any uncertain circumstances, such as unemployment during lockdown and unemployment because of retrenchment, the employee can withdraw the EPF corpus.

  1. If a person is unemployed for more than a year, 75% of the EPF sum can be taken, and the remaining 25% can be transferred to a new PF account once the individual is employed, according to the new law.

  1. According to the old rule, an unemployed person after 2 months can withdraw 100% of EPF corpus.

  1. While the withdrawal of EPF corpus, the member can avail of the exemption. Anyway, the member is entitled to the tax exemption if the contribution is made for 5 years continuously. 

Even if one year is forfeited, the entire amount withdrawn will be considered income and taxed under the act of Income Tax.

  1. TDS is applicable only if the amount is withdrawn before retirement and is more than Rs.50,000. If PAN details are provided by the employee, then it is taxed at a flat 10% rate, otherwise, the rate is 30% plus tax.

  1. If an employee’s UAN and Aadhaar are linked and approved by the employer, the employee can withdraw without the employer’s permission.

Withdrawal Criteria for PF

If the member intends to obtain an advance from the PF account and has completed 10 years of service, then they can submit the composite claim pf withdrawal form online via Aadhaar/non-Aadhaar as applicable.

  • Submit Form 14 if the member wishes to finance their LIC policy via PF account.
  • If 10 years of service has been met, then Form 10D has to be applied for a monthly pension.
  1. Employee switching jobs

Apply Form 13, when an employee switches a job and wants to transfer an EPF account.

The pension fund can be claimed by submitting a composite claim form(Aadhaar/non-Aadhaar) and form 10 D if he/she has turned 58 or above and has met 10 years’ eligibility service period.

  1. Physical disability

When an employee leaves an establishment because of physical disability, then The employee can claim pension by submitting form 10D

Can make a PF claim by applying a composite claim form (Aadhaar/Non-Aadhaar) even if he had not met the eligibility service of 10 years and is above 58 years.

  1. Employee dies during the service

If the deceased employee’s age is below 58 years and is still in the service or is equal to 58 years and has finished 10 years eligible service period, then the nominee/beneficiary/heir can apply for PF settlement in form 20, form 10D for monthly pension, and form 51F for Employees Deposit Linked Insurance (EDLI).

If the deceased employee is above 58 years and has not met 10 years of eligible service period, can submit form 20 to claim PF settlement, form 51F for EDLI, and composite claim form (aadhaar/non-aadhaar) to withdraw pension.

  1. When an employee is deceased

Before turning 58 years — The nominee or beneficiary or heir may use form 20 to claim PF amount and form 10D for pension amount. At or after the age of 58 years and has completed 10 years’ eligible service — can claim PF amount using 20 and pension amount using the form 10D.

At or after the age of 58 years and has not completed 10 years’ eligible service—can claim for PF settlement using the form 20 and pension fund using the composite claim form(aadhaar/non-aadhaar).

Reasons for PF Withdrawal That Must Be Satisfied

These reasons can arise during an employee’s service, allowing them to claim the PF amount while still on employment.

  1. Medical Expenses

The expense should be against either of:

  • For major surgery in any hospital.
  • Hospitalized more than a month.
  • The employer must grant leave for the illness and the illness can be Cancer, Mental Derangement, tuberculosis, paralysis, leprosy, and heart problems, etc.

There are no minimum eligible service criteria 

  1. Marriage

If it is for-

  • Your wedding
  • Your children’s
  • Or your siblings

Then a partial PF amount can be withdrawn up to the limit prescribed and by satisfying the minimum eligible service period.

  1. Construction of house and purchase of land

Rules to withdraw PF amount in this case-

  • Either your name/spouse’s name/jointly must be registered on the land or house purchased.
  • You must meet the 5 years of the eligible service period.
  • The maximum amount limit is 24 times of monthly salary.
  1. Repayment of home loan

Meet 10 years of service eligibility and avail the withdrawal for repayment of home loan.

A point is to be noted that you can only avail of this once in your lifetime and if you had already withdrawn PF for construction/purchase of house/land, then it cannot be availed for this purpose.

  1. Education purposes

The money can be withdrawn only for post-matriculation expenditure. If you have finished 7 years of service before admitting your children into a university, then you can avail it.

  1. Repairs of house

Only a maximum of 12 times of salary can be withdrawn. Ensure that from the purchase of house 5 years must have completed. The name must be registered under your name/spouse/jointly and you must have finished 10 years of service.

  1. Other Purposes
  • The employee had attained the age for retiring.
  • The employee has been unemployed for over 60 days or 2 months.
  • If the employee is planning to move abroad permanently.
  • If the employee is female and is resigning because of marriage, pregnancy, and childbirth reasons.


We have seen the purposes, withdrawal limits, steps to apply pf online and offline to withdraw, service eligibility for PF withdrawal, and other relevant information. It is crucial to equip these inputs to avoid future confusion.

I hope you liked our article on PF Withdrawal Online Process, and it must have solved your queries such as pf online withdrawal,  epf online withdrawal, pf withdrawal process online, how to withdraw pf amount online, how to withdraw pf online with uan, epfo withdraw pf online or how to apply for pf.

If you have any comments or suggestions do share them in the comments below.

Frequently Asked Questions

1. Can we claim tax deductions for EPF contributions?

Yes, the EPF contributions are eligible and you can claim for tax deductions. You can claim deduction under section 80C of the Income Tax Act, 1961.

2. Is it possible to increase the contribution of EPF?

Yes, it is possible to increase the contribution of EPF. If an employee wishes, he/she can contribute 100% of their basic salary and this incremental contribution goes directly into the Voluntary Provident Fund (VPF).

3. Can an employer also increase the contribution towards the funds when I do?

No, in this case, the employer’s contribution cannot be changed or increased.

4. Can I only withdraw the EPF account after my employer’s consent?

No, as per the new rules, the employee can withdraw without his or her employer’s permission or consent.

5. What happens to my EPF account when we quit our current job or switch jobs?

When you quit your current job, the existing EPF account becomes your old account and no further contributions will be made. When you join the new establishment, then your new employer creates a new account under the same UAN. If you wish, you can merge your old and new accounts.

Ankur Aggarwal

Follow me here

About the Author

Hi all, I am Ankur Aggarwal – Digital Marketer, Entrepreneur, Traveller, Blogger, and Foodie. Have been blogging since 2010. In 2016 I scored 99.2 percentile in XAT Exam for MBA, left that to pursue my Online business dreams.
The purpose of is to pass on 100% accurate, genuine and FREE information on Personal Finance, Entrepreneurship, Investing, Career, and Learning Digital Marketing Online. Know more about me here: About Ankur Aggarwal

You may also like

Flipkart Delivery Boy Job

Flipkart Delivery Boy Job

Cloud Kitchen Business Model

Cloud Kitchen Business Model
{"email":"Email address invalid","url":"Website address invalid","required":"Required field missing"}
Success message!
Warning message!
Error message!