What is the PF Withdrawal Limit?

There is no specified limit for the withdrawal amount. One may choose to withdraw EPF entirely or partially on meeting certain conditions. 

Key Highlights

  • PF withdrawal can be done online using the UAN portal.
  • For an offline application, use Composite Claim Form(Aadhaar) if UAN is KYC compliant.
  • In case UAN is not KYC compliant, use Composite Claim Form(Non-Aadhaar) for offline.
  • The updated EPF withdrawal rules 2025 allow up to 90% withdrawal for housing after 3 years of membership, under Para 68-BD.

1. Complete Withdrawal

EPF can be withdrawn entirely only in case of unemployment or retirement. A member can withdraw 75% of the PF balance after 1 month of unemployment and the remaining 25% after 2 months. On retirement, the full balance can be withdrawn without any limit.

ConditionLimit for Withdrawal Amount
Unemployment75% of the PF balance after 1 month of unemployment. Remaining 25% after 2 months of unemployment
RetirementNo limit

Note: To withdraw 100% of the PF balance, a person must be unemployed for at least 2 months. This rule is important for those who are only in transition between jobs, as they cannot claim the full amount during this interim period.

2. Partial Withdrawal

Partial EPF withdrawal is allowed only for specific reasons, and each has a set limit. The details are explained below:

Purpose of WithdrawalWithdrawal LimitMinimum Service RequiredOther Conditions
Medical6 months’ basic wages and DA or, Employee share with interest, Whichever is leastN/AFor the treatment of self/ family
Education50% of the employee’s contribution to the EPF with interest7 yearsExpenses incurred for the education of children post-matriculation
Marriage50% of the employee share with interest7 yearsMarriage of self/ son/ daughter/brother/sister
Land Purchase or Purchase/ construction of a new house or EMI Repayment EPF members can withdraw up to 90% of their corpus lying in their EPF account. 3 yearsLand or house to be purchased should be under the name of the member, spouse, or owned jointly with the spouse
Home renovation12 times of a member’s monthly wages with dearness allowance, or the employee’s share with interest, or cost, whichever is least5 yearsThe home to be renovated should be registered under the member’s name, spouse’s name, or jointly held with the spouse. The facility can be availed twice:After 10 years of the completion of the house
Before retirement90% of the accumulated corpus with interestAfter an individual reaches 54 year of age and within one year of retirement/ superannuation whichever is laterTo cover their financial expenses
Special cases:Closure of the establishment for over 15 days and employees are unemployed without compensationThe employee has not received a salary for more than 2 months continuously100% employee share with interestN/ AThe reason for not receiving compensation can be anything other than a strike

How to Withdraw PF Amount?

Broadly, the withdrawal of EPF can be made either by submitting:

  1. Physical application
  2. Online application

Physical Application

Download the new Composite Claim Form (Aadhaar)/Composite Claim Form (non-Aadhaar) to withdraw the EPF balance.

Composite Claim Form (Aadhaar)

  1. 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.
  2. Fill and submit the form to the respective jurisdictional EPFO office without the attestation of the employer.

Composite Claim Form (Non-Aadhaar)

  1. You can use the Composite Claim Form (Non-Aadhaar) if the Aadhaar and bank details are not seeded on the UAN portal.
  2. 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)

Online Application

EPFO now offers an online withdrawal facility, cutting steps from 27 to 18, with plans to reduce further. For Aadhaar-verified UANs with complete KYC, employer approval is not needed for online PF transfers or claims, and members can update details like name, DOB, gender, and marital status online. However, complex errors may still need EPFO office support.

Prerequisites

To apply for the withdrawal of EPF online through the EPF portal, make sure that the following conditions are met:

  1. The Universal Account Number (UAN) is activated, and the mobile number used for activating the UAN is in working condition.
  2. The UAN is linked with your KYC, i.e. Aadhaar, PAN, bank details, and the IFSC code.

If the above conditions are met, there is no need for the previous employer to attest to your withdrawal application.

Steps to Apply For EPF Withdrawal Online on UAN Portal

Step 1: Visit the UAN portal.

Step 2: Log in with your UAN and password. Enter the captcha and click on the ‘Sign In’ button.

Step 3: Click on the ‘Manage’ tab and select ‘KYC’ to check whether your KYC details such as Aadhaar, PAN and bank details are verified or not.

Step 4: Once the KYC details are verified, go to the ‘Online Services’ tab and select the option ‘Claim (Form-31,19,10C&10D)’ from the drop-down menu.

Step 5: The following screen will display the member details, KYC details and other service details. Enter your bank account number and click on ‘Verify’.

Step 6: Click on ‘Yes’ to sign the certificate of the undertaking and then proceed.

Step 7: Now, click on ‘Proceed for Online Claim’.

Step 8: In the claim form, select the claim you require, i.e. full EPF settlement, EPF part withdrawal (loan/advance) or pension withdrawal, under the tab ‘I Want To Apply For’. If the member is not eligible for any of the services like PF withdrawal or pension withdrawal due to the service criteria, that option will not be shown in the drop-down menu.

Step 9: Then, select ‘PF Advance (Form 31)’ to withdraw your fund. Further, provide the purpose of such advance, the amount required and the employee’s address.

Step 10: Click on the certificate and submit your application. You may be asked to submit scanned documents for the purpose you have filled the form. 

How to Withdraw your EPF without UAN?      

You will have to fill the PF withdrawal form and submit it to the Regional Provident Fund Office. Moreover, you can easily check the jurisdiction of your PF office through the alpha-numeric Provident Fund Account Number which shows your state and location from your salary slip.

You will have to follow the old process of PF withdrawal where you submit your identity attestation from a bank manager or magistrate or gazette officer.

EPF Withdrawal Taxability

EPF withdrawal is tax-free when an employee has contributed to the EPF account for five consecutive years. If there is a break in five years’ contributions because of reasons like voluntary resignation and leaving employment without transferring EPF balance to the new account, the EPF withdrawal amount becomes taxable for that financial year. 

TDS is deducted if an employee withdraws EPF amount before five years and the amount is above Rs. 50,000. 

Documents Required for EPF Withdrawal

The following documents are necessary to withdraw PF amount:

EPFO has removed the requirement to submit scanned images of cheque leaves or attested bank passbooks for KYC-compliant UANs in select cases. A cancelled cheque is no longer mandatory where Aadhaar and bank KYC are verified.

How to Check PF Withdrawal Status?

After you apply for PF withdrawal, you can follow the steps below to check the status of your PF withdrawal claim:

Step 1: Log in to the UAN portal using the UAN and password. 

Step 2: Click on the ‘Online Services’ tab and click on the ‘Track Claim Status‘ option.

Step 3: Enter the reference number.

Step 4: The status will be displayed on the screen. 

Which are the Forms used for EPF Withdrawal and How File?

FormPurposeHow to Fill (Online)How to Fill (Offline)
Form 19Final settlement of EPF (full withdrawal)1. Visit EPFO website
2. Log in with UAN, password, captcha
3. Click ‘Online Services’ > ‘Claim (Form-31, 19, 10C, 10D)’
4. Enter & verify bank account number
5. Select ‘Only PF Withdrawal (Form – 19)’
6. Enter permanent address
7. Tick disclaimer, get Aadhaar OTP, submit form
8. Receive reference number		1. Download Form 19 from EPFO portal
2. Fill in details: PF account number, PAN, bank details, joining & exit dates, address, etc.
3. Paste Rs 1 revenue stamp
4. Attach cancelled cheque
5. Submit to EPFO office
Form 31Partial withdrawal or advance from EPF1. Log in at EPFO portal with UAN, password
2. Go to ‘Online Services’ > ‘Claim’
3. Verify details (name, DOB, PAN, Aadhaar, etc.)
4. Click ‘Proceed for Online Claim’
5. Select ‘PF Advance (Form 31)’
6. Choose withdrawal reason, enter address & amount
7. Tick disclaimer, get & verify Aadhaar OTP, submit		Not typically done offline anymore. Online submission is the recommended method as offline options are mostly phased out.
Form 10CWithdrawal or transfer of EPS (Pension)1. Log in to EPFO portal with UAN & password
2. Go to ‘Online Services’ > ‘Claim’
3. Verify service history, KYC, and member details
4. Click ‘Proceed Online Claim’
5. Enter bank account last 4 digits, verify
6. Select ‘Only Pension Withdrawal (Form 10C)’
7. Fill permanent address, tick disclaimer
8. Click ‘Get Aadhaar OTP’, validate OTP and submit
9. Receive SMS confirmation		Offline Form 10C can be downloaded and filled, but EPFO strongly encourages online submission. Attach supporting documents if submitting offline at EPFO office.

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

https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/TypesOfAdvances_Form31.pdf