PF Withdrawal Online, How to Withdrawal PF Amount Online?

Employees can withdraw PF online partially or completely. The PF withdrawal online process include login into the EPFO portal, filling the claim form, verifying details and submitting for approval. Know complete information about online PF withdrawal in this article.

PF Withdrawal Online

EPF (Employee Provident Fund) act as a financial safety net for employees, PF is a provides long term savings that can be utilise after retirement or during specific situation in life. However employees have the option for PF withdrawal before retirement in case of emergencies. In this blog we will discuss the PF withdrawal online process, when you can withdraw PF amount, how to withdraw PF amount and more to ensure a hassel free experience.

What is Provident Fund (PF)

The Provident Fund is a social security fund for retirement managed by the employees of the Provident Fund Organisation (EPFO). As per EPF rule employees contribute 12% of their basic pay monthly to provident fund (PF). Both employers and employees contribute 12% of the employee’s basics salary and dearness allowance to this fund. Over time interest are added which provides financial security for employees. After retirement, the employees can withdraw PF amount.

When You Can Withdraw PF

You have the option for PF withdrawal when you are retired, unemployed or have specific reason. Employees can choose for complete EPF withdrawal or partial EPF withdrawal.

Complete Withdrawal

Employees can completely withdraw the PF only in two conditions.

• Retirement: after retirement you can completely withdraw PF.
• Unemployment: if you are unemployed for over 1 month, employees can withdraw up to 75% of the PF balance. After 2 month of employment you are eligible to withdraw the remaining 25% of PF balance.

Partial withdrawal

The employers can partially withdraw of the EPF balance for specific reason. The amount of PF balance is also very for different circumstances and year of service. Such as medical emergencies, higher education, marriage, or house construction. Check the reasons for PF withdrawal online below:

• Medical purpose:
  • Limit: for medical purpose employees can PF withdraw with interest or up to 6 time there monthly salary Which ever is less.
  • The PF withdrawal for medical purposes is forthe treatment of themselves, their spouse, children and parents.
  • For medical PF withdrawal there is no waiting. Or minimum work duration required.
• Marriage:
  • Employees can withdraw PF up to 50% of EPF contribution.
  • Employers must have minimum work duration of 7 years.
  • The PF withdrawal will be applicable for self, son/daughter, brother/sister’s marriage.
• Education:
  • Employees can withdraw up to 50% of PF contribution for education.
  • The PF withdrawal for education demands 7 years of service.
  • Available for account holders or children in higher education who is completed class 10th.
• Purchase of land or house:
  • Employees want to purchase land up to 24 times monthly basics salary + dearness allowance will receive from EPF.
  • If employees want to purchase house up to 36 times monthly basic salary + DNS allowance from the EPF balance.
  • For the purchase of land or house the employees salary required for 5 years.
  • There property should be in employees or joint name with spouse.
  • It is to know that the withdrawal can only be made once during the entire service tenure.
• Home loan repayment:
  • For home loan repayment least of up to 36 time monthly basic salary + dearance allowance can be withdrawal from EPF.
  • Total Corpus of employer and employees contribution with interest.
  • Total outstanding principle and interest on housing loan.
  • For home loan repayment the employee service required for 10 years.
  • The property must be registered in employees or their spouse name. Withdrawal subject to EPFO documents, and accumulation should be >Rs. 20,000.
• House renovation:
  • For house employees can withdraw up to 12 times their monthly salary from the PF account.
  • A minimum of 5 years of total service is required.
  • Employees contribution with interest.
• Partial withdrawal before retirement:
  • Is employee wants to partially withdraw their PF account balance before retirement, they can withdraw up to 90% of accumulated balance with interest.
  • A minimum of 58 years service required, and withdrawal before 1 year of retirement or superannuation.
  • No specific additional condition

Documents Required for PF Withdrawal Online

The employees might need their PF balance in emergency situations like hospitalization, marriage of there son or daughter, home renovation, purchasing a home or land. Instead of taking loan you can withdrawal of your EPF balance. It is to inform you that you must have UAN to start the PF withdrawal process online. For PF withdrawal you must have the following document in hand.

• UAN
• Aadhar number linked and verified with UAN
• A bank account register with your Aadhar.
• In case of any changes or modification, you must have completed e KYC process and update your details before submit a claim.

EPFO 3.0 ATM Withdrawal in 2025

As per EPFO announcement, in 2025 it will launch EPFO 3.0 which help employers to withdraw Provident Fund (PF) amount directly through ATM. The EPFO 3.0 will help 7 crore subscriber to instantly assess their saving during emergency without any paperwork, or prior approvals. With EPFO 3.0 ATM it is now more convenience and provide financial flexibility to EPFO members.

Also, Check
PF Balance Check
8th Pay Commission

How to Withdrawal PF Amount?

The PF amount withdrawal can be made by either submitting physical application, or online application. We in order to help you we have provided the complete details about PF withdrawal through physical application or PF withdrawal online.

• Physical application
• Online application

Physical Application

Political application download composite claim form (Aadhar/non Aadhar) to withdraw your EPF balance.

1. Composite Claim Form (Aadhar)

• If Employees Aadhar card and bank details are linked on UAN portal and your UAN is active. You can you the composite claim form (Aadhar).
• Employees can fill and submit the form directly to the EPFO office without requiring attestation from your employer.

2. Composite claim form (Non Aadhar)

• If employees Aadhar Card and bank details are not linked on UAN portal, then you can choose for composite claim form (Non Aadhar).
• Now complete the form and submit it, along with your employers attestation, to the EPF office.

Online Application

The online application is available for PF withdrawal, it is very simple process and save times.

Prerequisites

For online PF withdrawal through the epf portal you should follow these rules:

• You must have activated UAN (Universal account number) and your mobile number which is used for activating UAN is must in working condition.
• The UAN is linked with your KYC, i.e. Aadhar, PAN, bank details, and IFSC code.

NOTE: If you meet all the conditions mentioned above then there is no need for previous employer to attest to your withdrawal application.

How to Apply for EPF Withdrawal Online on UAN Portal

To apply for PF withdrawal you need to follow the steps given below:

• Go to the official website of UAN portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
• Afterwards, log in by using your UAN and password. Enter the capture and click on sign in button.

• A new page will open, click on ‘Manage’ tab under that select to ‘KYC’.
• By clicking on KYC your KYC details are checked like Aadhar, PAN, and bank details are verified or not.
• After verifying KYC click on ‘Online Service’ tab and select the option ‘ Claim’ (Form – 31,19,10 C & 10D) from drop down menu.
• Afterwards the members detail, KYC details and other service details will be displayed on your screen.
• Enter your bank account number and click on verify.
• Now click on ‘yes’ to sign the certificate of Under taking and then proceed.
• Click on “proceed for online claim”.
• In the claim form select the claim like full EPF settlement, EPF part withdrawal (loan/advance) or pension withdrawal, under the tab ‘ I want to apply for’.
• You must know that if you are not eligible for any service like PF withdrawal or pension withdrawal due to the service criteria, the above option will not shown in the drop down menu.
• Now select ‘PF advance (form 31)’ to withdrawal your PF fund.
• Lastly click on the certificate and submit your application.
• You maybe asked to submit the scanned document for the purpose you have filled the form.

How to Check PF Withdrawal Status?

The employees can check the PF withdrawal status following these steps:

• Visit the official website of UAN portal.
• Login using UAN and password
• Now click on the ‘Online Services’ and click on ‘ Track claim status’ option.
• Now enter the reference number
• Your PF withdrawal status will displayed on your screen.

PS Customer Care Number

PF toll free number – 14470

PF missed call number to know EPF details – 9966 0444 25

PF balance enquiry number – SMS ‘EPFOHO UAN’ to 7738299899

FAQs on PF Withdrawal Online