PF withdrawal by members online through EPFO Member Portal of Employees Provident Fund Organisation using UAN and Aadhaar OTP for most of the claims without intervention of employer after verification of eligibility for PF withdrawal of full or partial amount of PF Balance.
The new EPFO 3.0 enables online PF withdrawal through ATMs as well as UPI and other benefits, raising auto settlement limits.
| 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 |
PF withdrawal online by members can be done in the following scenarios.
- Activated UAN
- Aadhaar, PAN and bank account are verified
- Mobile number linked with bank account
- At Retirement, Unemployment or on such circumstances of Partial Withdrawal.
- Updated date of exit
| 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 avert PF withdrawal application getting rejected ensure all below stated requirements are complete.
Read more at: 8.25% Interest on EPF for FY 2025-26: When Will EPFO Members Get Credit in EPF Account?
UAN & KYC Details: UAN should be activated and all the KYC details such as Aadhaar, PAN and bank account details should be verified and linked with UAN.
Bank Details: Bank Account which is to be credited with PF withdrawal amount should be already linked with UAN and its details should be verified. Also, Bank Account details can be updated if required.
Date of Exit: Form 10C or Form 19 cannot be applied if Date of Exit is not updated in Service History. Please update the Date of Exit.
Service Overlap: There should be no overlap of service for two different employers.
How to Withdraw PF Online in Simple Steps
PF Withdrawal Online Process Steps for PF Withdrawal.
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: Choose your claim type from the given 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.
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.
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:
- Name Mismatch: Your name in the EPFO database differs from your Aadhaar or Bank records. Submit a Joint Declaration Form to fix it.
- Unclear Cheque Image: The officer could not read the Name or IFSC code on the uploaded scan.
- Wrong Form: You applied for Form 31 (Advance) but selected “Out of Service” reason, or any similar error.
- Settled but Returned: The money was sent but bounced because your bank account is dormant, frozen, or the IFSC was wrong.
Read more at: EPFO 3.0 ATM Withdrawal of PF: To Be or Not To Be a Danger to Pensions | EPFO 3.0
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