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[Online] EPF Withdrawal Procedure – How to Fill PF Form & Get Claim Online ?

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[Online] EPF Withdrawal Procedure – How to Fill PF Form & Get Claim Online?

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The Government of India will pay the employer and employee’s contribution to the EPF account of the employees for the other three months from June to August 2020. This benefit is for establishments with 100 employees and where 90% of the employees pay those employees Rs. 15,000 per month. The contribution to EPF for non-governmental organizations has been reduced from 12% to 10%.

EPF withdrawals are claimed by an employee if he is unemployed or when he retires. 75% of the EPF balance can be withdrawn after one month of unemployment and the remaining 25% can be withdrawn after two months of unemployment. You can claim withdrawal by filling the EPF withdrawal form online. Note that you can use the online withdrawal claim facility only when your Aadhaar is linked with your UAN.

EPF (Employee Provident Fund), also known as PF (Provident Fund), is a compulsory savings cum retirement plan for employees of an eligible organization. The purpose of this fund is a fund to which employees can return to their retired lives. According to the EPF standard, employees should contribute 12% of their base salary every month. A matching amount is also contributed by the employer. Deposits in EPF accounts earn interest on an annual basis. Employees can withdraw the entire amount deposited in their EPF as soon as they retire. However, premature withdrawal can be done if certain conditions are met, which are described in this article.

How to extract PF online with UAN?


You can easily withdraw your PF online through your UAN by visiting the EPFO ​​e-Sewa portal. Here are the steps you need to follow:

1. log in to the portal – Go to the EPFO ​​e-Seva portal and log in using your UAN and password and enter captcha code. If you have forgotten your password, you can reset via OTP sent to your registered mobile number.

2. Go to the online Claims section – When you are logged in, you can see the Claims (Form-31, 19, 10C, and 10D) in the ‘Services Online Services’ section.

3. Enter bank account details – Once this section opens, you will have to enter the correct bank account number (preferred with UAN) as a verification process.

4. Confirm Terms and Conditions – Once you verify your details, you will have to confirm the terms and conditions stated by the EPO. You can then click ‘Proceed to Claim Online’.

5. Choose the reason for withdrawal – You will get a dropdown menu from which you have to select the reason for withdrawal from your PF account. You will only be shown the option for which you are eligible.

6. Enter the details and upload the document – When you choose the reason for withdrawal, you will have to enter your full address, and if you have opted for ‘ance advance claim’, you will have to upload your check/passbook details. Before requesting a one-time password (OTP) for verification, you have to accept the ‘Accept Terms and Conditions’.

7. Get Aadhaar OTP – Once you confirm your details and accept the ‘Terms and Conditions’, you will have to request an OTP, which will be sent to the mobile number registered with your Aadhaar. On filing the OTP, your claim application will be submitted.

After submitting your claim, you can track the status of your claims by logging into your member e-SEWA portal account, under Track Claim Status. EPFO officials will merge your data with the data submitted in your online claim form in your records. After completing their verification, they will process your claim application and the amount will be deposited in the bank account associated with your UAN.

When can EPF be withdrawn?

An EPF may choose to withdraw in whole or in part. EPF can be withdrawn completely under any of the following circumstances:

a. When a person retires

B. When a person remains unemployed for more than two months. To withdraw this circumstance, individuals should obtain verification of the same from the gazetted office.

Complete withdrawal of the EPF without the employment of the unemployed for two months or more (ie during the interim period between changing jobs) is against PF rules and regulations and is therefore not allowed. Partial withdrawal of EPF can be done under certain circumstances and may be subject to certain conditions which are briefly discussed below:

Partial withdrawal of EPF can be done under certain circumstances and may be subject to certain conditions which are briefly discussed below:

Sl. No. Particulars of reasons for withdrawalLimit for withdrawalNo. of years of service requiredOther conditions
1Medical purposesSix times the monthly basic salary or the total employee’s share plus interest, whichever is lowerNo criteriaMedical treatment of self, spouse, children, or parents
2MarriageUp to 50% of employee’s share of contribution to EPF7 yearsFor the marriage of self, son/daughter, and brother/sister
3EducationUp to 50% of employee’s share of contribution to EPF7 yearsEither for account holder’s education or child’s education (post matriculation)
4Purchase of land or purchase/construction of a houseFor land – Up to 24 times of monthly basic salary plus dearness allowance

For house – Up to 36 times of monthly basic salary plus dearness allowance,

Above limits are restricted to the total cost

5 yearsi. The asset, i.e. land or the house should be in the name of the employee or jointly with the spouse.

ii. It can be withdrawn just once for this purpose during the entire service.

iii. The construction should begin within 6 months and must be completed within 12 months from the last withdrawn instalment.

5Home loan repaymentLeast of below:

  1. Up to 36 times of monthly basic salary plus dearness allowance
  2. Total corpus consisting of employer and employee’s contribution with interest.
  3. Total outstanding principal and interest on housing loan
10 yearsi. The property should be registered in the name of the employee or spouse or jointly with the spouse.

ii. Withdrawal permitted subject to furnishing of requisite documents as stated by the EPFO relating to the housing loan availed.

iii. The accumulation in the member’s PF account (or together with the spouse), including the interest, has to be more than Rs 20,000.

6House renovationLeast of the below:

Up to 12 times the monthly wages and dearness allowance, or

Employees contribution with interest, or

Total cost

5 yearsi. The property should be registered in the name of the employee or spouse or jointly held with the spouse.

ii. The facility can be availed twice:
a. After 5 years of the completion of the house
b. After the 10 years of the completion of the house

7Partial withdrawal before retirementUp to 90% of accumulated balance with interestOnce the employee reaches 54 years and withdrawal should be within one year of retirement/superannuation

Submission of a physical application

For this, one can download the new composite claim (Aadhaar)/composite claim form (Non-Aadhaar) from

The new Composite Claim Form (Aadhaar) can be filled and submitted to the respective jurisdiction EPFO ​​office without verification of the employer, whereas, the new Composite Claim Form (non-Aadhaar) will be filled and submitted with the verification of the employer. In the respective jurisdiction EPFO ​​office. A person may also note that in case of partial withdrawal of EPF amount by an employee for various circumstances discussed in the above table, recently, the requirement to produce various certificates has been reduced and self – Authentication option is introduced. EPF Customer. (For details, you can refer to the order dated 20.02.2017 of EPFO ​​by clicking here)

EPF Withdrawal Online Procedure

Follow the steps

Visit to the official website and sign in UAN Member Portal with your UAN and Password.
The new window appear , now Go to Menu bar click on the ‘Online Services’ tab and select ‘Claim (Form-31, 19 & 10C)’ from the drop-down menu.
Now Display member details, Enter the last 4 digits of your bank account and click on ‘Verify‘
Hit on ‘Yes’ to sign the certificate of undertaking and proceed further
After this Hit on the ‘Proceed for Online Claim’ option
A new part of the form will open, in which you will have to select the purpose for which advance is required, the required amount and the address of the employee (It is worth noting that all options for which the employee is not eligible for withdrawal will be mentioned in red.)
Tick ​​Authentication and submit your application
Depending on the purpose for which you have filled the form, you may have to submit scanned documents.
Your employer will have to approve your withdrawal request after which the money will be withdrawn from your EPF account and deposited in the bank account mentioned at the time of filling the withdrawal form.
An SMS notification will be sent to your mobile number registered with EPFO. After the claim is processed, the amount will be transferred to your bank account. Although no formal deadline has been provided by the EPFO, the money is usually deposited within 15–20 days.

Eligibility Conditions for EPF Withdrawal

To be eligible for withdrawal of EPF, there are conditions that an employee must meet.
Money can be withdrawn from EPF account only after retirement. EPFO considers early retirement only after crossing the age of 55
Partial withdrawal of EPF is allowed only in case of medical emergency, home purchase or construction, or higher education
EPFO allows withdrawal of 90% of the amount 1 year before retirement.
EPF corpus can be withdrawn if it faces unemployment before retirement due to lock-down or retention
According to the new rule, only 75% of the fund can be withdrawn after 1 month of unemployment. The balance will be transferred to the new EPF account after getting employment.
Employees are not required to wait for approval from their employer to withdraw their EPF. By connecting UAN and Aadhaar to your EPF account, you get online approval.

    While making the claim online, you should have-
An active UAN number
  • Bank details are associated with UAN
  • PAN and Aadhaar details are included in EPF database

Required documents

The following documents are required when applying for PF withdrawal-
  • Composite claim form
  • Two revenue tickets
  • Bank account statement (Bank account should be in the name of PF holder only while he is alive)
  • Proof of identity
  • address proof
  • A blank and canceled check with clearly visible IFSC code and account number
  • Personal information such as father’s name, date of birth etc. must be clearly matched with the proof of identity

If an employee withdraws his PF amount before 5 years of continuous service, he is liable to facilitate ITR Forms 2 and 3 to prove a detailed breakup of the entire amount deposited in the PF account every year.

How to check EPF claim status?

EPF withdrawals can be done through the UAN member portal. The member must first activate their UAN and then log in to the portal for online withdrawal. The portal can also be used to transfer funds from its old PF account to a new account. Other online services like EKYC, contact details updates etc. can also be done through this portal.

The status of EPF withdrawals can be checked online on the EPF member portal. You will have to log in to the online portal and select ‘Im Track Claim Status’ in the ‘Services Online Services’ section. Note that you do not have to enter a reference number to check the status; It will automatically display on the screen.

EPF withdrawal benefits online

There are many benefits of claiming EPF withdrawal online, some of which are listed below-

  • Hassle-free Withdrawal- The online process of EPF withdrawal claim saves you the hassle of personally coming to the PF office and standing in long queues.
  • Short processing time– With online claims, the amount will be processed and deposited in your bank account within 15-20 days of application. This processing time will be reduced as per the government plans.
  • There is no need to visit a previous employer for verification — unlike offline claims, in which you must get your documents verified by the employer, online claims will be automatically verified. This is especially helpful for those who have moved to a new city because it saves them from the hassle of mailing documents or traveling long distances.

Points to consider before applying for EPF withdrawal

Provident fund is withdrawn within 5 years of service
If you are changing your job, you do not need to withdraw your PF account; You should transfer your PF amount to new account
You are not allowed to withdraw the PF balance of the job where you are currently working.
Loan or partial withdrawal of PF balance is permitted only under certain conditions.
Before applying for EPF withdrawal, you must
Update your Aadhaar number in UAN portal
  • Get your Aadhaar certified by your employer
  • Link your Aadhaar to UAN
  • Fill EPF Withdrawal Form Online
A person can withdraw 90% of his available PF balance after the age of 54

        Frequently asked questions related to EPF withdrawal

        Q1. Is Form 15G / H required while filling the EPF withdrawal form?

        EPF withdrawals are exempt from tax on withdrawal after 5 years service period. However, if the withdrawal is made before the completion of 5 years, the member will have to pay tax on the amount withdrawn. If the member submits Form 15 G / H, no TDS is deducted at the time of withdrawal.

        Q2. If I have not completed 5 years of service, how much tax do I have to pay during withdrawal?

        If you withdraw your EPF amount before completing 5 years of service, you will be liable to pay TDS at 10%. However, if the amount withdrawn is Rs. is less than. 50,000, no TDS will be deducted. Additionally, if you have not provided PAN to you at the time of withdrawal, you will have to pay TDS at the rate of 30%.

        Q3. What is the EPF withdrawal limit?

        EPF Withdrawal PurposeWithdrawal Limit
        Medical PurposeLower of the total corpus or six times the monthly salary
        Wedding50% of PF contribution
        Home Loan RepaymentUp to 90% of the EPF corpus
        Home Renovation12 times the monthly salary
        RetirementTotal EPF Balance
        Unemployment75% after 1st month and 25% after 2nd month of unemployment

        Q 4. Can EPF withdrawal be done without PAN?

        EPF can also be withdrawn without PAN. However, if you do so, you will be liable for a TDS deduction of 30% from the claim amount.

        Q 5. When is EPF Withdrawal Taxable?

        If you withdraw your EPF amount before 5 years, you will be liable for a TDS deduction of 10% (if you show your PAN at the time of withdrawal; if you fail to do so, TDS for deduction Will be less than 30%;). However, if you withdraw your EPF after 5 years of continuous service, it will be tax-free.

        Q 6. How much tax is applicable on EPF withdrawal?

        If EPF is withdrawn before 5 consecutive years of service, TDS is deducted at the rate of 10%. However, you will have to provide your PAN facility at the time of withdrawal. If you do otherwise, TDS will be deducted at the rate of 30%. Additionally, if the employee transfers funds from his PF account to NPS, he will not be liable to pay any tax.

        Q7. How to show EPF withdrawal in ITR?

        Withdrawal from EPF is considered income for the employee and should be mentioned under ‘Income from salary’. If you have withdrawn money from your EPF account, you can report on the portal while filing ITR by selecting Section 10 (12) Accredited Provident Fund.

        Q8. What is EPF clearance check number?

        EPFO experts can reach their toll free customer care number – 1800 118 005.

        Q9. How to withdraw EPF without the approval of the employer?

        If you apply online for EPF withdrawal, you do not need to seek your employer for verification. Additionally, to be able to claim online withdrawal, you must have your PAN and Aadhaar linked to your UAN account.

        Q10. Can EPF be withdrawn while working?

        Yes, you can remove EPF while working. However, some conditions must be met for this. If one can withdraw his EPF amount before retirement –

        He has to buy / build a house
        Self / and / or child marriage
        Any medical illness

        source

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