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EPF Withdrawal Online: How to Withdraw PF Amount Online

Knowing how to withdraw PF amounts online enables people to address their needs effectively, guaranteeing efficiency and order in their financial freedom.

  • 7,441 Views | Updated on: Jun 13, 2024

The role of EPF is crucial for the financial stability of an individual working in different sectors. As people advance in their work, they need to know about the services offered to them on their EPF account. Now, in the age of the Internet and computers, online transactions have made people’s lives easier and more convenient; the same is true for EPF withdrawal.

This blog will help you understand the process of EPF withdrawal online. Understanding how to withdraw PF amount online is important, especially when facing a job change, retirement, or supporting emergencies.

How to Withdraw PF Amount?

Below are the steps to initiate PF withdrawal online, categorized into physical and online applications.

Physical Application

To withdraw your PF amount through the physical application, follow these steps:

  • You can download the new Composite Claim Form (Aadhaar) or Composite Claim Form (non-Aadhaar) from the EPFO website.
  • Fill out the form with accurate details and ensure it is duly signed.
  • If you have seeded your Aadhaar and bank details on the UAN portal and activated your UAN, you can use the Composite Claim Form (Aadhaar). Otherwise, use the Composite Claim Form (Non-Aadhaar).
  • Submit the filled form to the respective jurisdictional EPFO office. For the Aadhaar form, no attestation from the employer is required. However, for the Non-Aadhaar form, attestation by the employer is necessary.

Online Application

The EPFO has simplified the withdrawal process with an online facility. Learn how to withdraw employee provident fund online with the following steps:

Prerequisites

  • Ensure your Universal Account Number (UAN) is activated, and the mobile number used for UAN activation is functional.
  • Your UAN should be linked with your KYC details (Aadhaar, PAN, bank details, and IFSC code).

Steps to Apply for EPF Withdrawal Online

  • Log in to the UAN portal using your unique UAN and password.
  • Verify if your KYC details are current under the ‘Manage’ tab.
  • Access the ‘Online Services’ tab and choose the ‘Claim (Form-31,19,10C&10D)’ option from the drop-down menu.
  • Enter your bank account information and complete the verification process.
  • Select the type of withdrawal you need, whether a full EPF settlement or a partial withdrawal.
  • Review and sign the certificate of undertaking to proceed with your application.
  • If required, upload any necessary scanned documents to support your withdrawal request.

How to Withdraw EPF Amount with UAN?

Withdrawing your EPF amount online through your Universal Account Number (UAN) is simple and efficient. Follow these steps to access your funds and explore how to withdraw employee PF amount:

Log in to the EPFO e-SEWA Portal

Visit the EPFO e-SEWA portal, log in using your UAN and password, and enter the captcha code. If you have forgotten your password, you can reset it via an OTP sent to your registered mobile number.

Visit the Online Claims Section

Once logged in, go to the ‘Online Services’ section and select ‘Claim (Form-31, 19, 10C & 10D)’.

Enter Bank Account Details

Enter the correct bank account number (seeded with UAN) for verification.

Confirm Terms & Conditions

Verify your details, accept EPFO’s Terms and Conditions, and click ‘Proceed for Online Claim.’

Select Reason for Withdrawal

Choose the reason for withdrawal from the dropdown menu. Only eligible options will be shown.

Enter Details and Upload Documents

Provide your complete address and, if necessary, upload cheque/passbook details for ‘Advance Claim.’ Accept further ‘Terms and Conditions’ before requesting an OTP for verification.

Get Aadhaar OTP

Request an OTP, which will be sent to the mobile number registered with your Aadhaar. Enter the OTP to submit your claim application.

After submitting your claim, track your EPF claim status by logging into your member e-SEWA portal account under ‘Track Claim Status.’ The EPFO office will verify your details and process your claim, crediting the amount to your bank account linked with your UAN.

How to Withdraw EPF Amount without UAN?

If you do not have a Universal Account Number (UAN), you can still withdraw your EPF amount by following these steps:

Download the Appropriate Form

Choose between an Aadhaar-based Composite Claim Form or a Non-Aadhaar Composite Claim Form, available online.

Fill Out the Form

Complete the chosen form with accurate personal and employment details.

Submit to Regional PF Office

Submit the completed form to your Regional Provident Fund Office. Then, using your Provident Fund Account Number, usually found on your salary slip, determine the jurisdiction of your PF office.

Identity Attestation

You may need to get your identity attested by a bank manager, magistrate, or gazette officer for verification.

Wait for Processing

Once submitted, the Regional Provident Fund Office will process your withdrawal form, and the amount will be credited to your registered bank account.

By following these steps, you can successfully withdraw your EPF amount, ensuring that you have access to your funds when needed, whether you have a UAN or not.

When Can You Withdraw EPF?

Explore the eligibility criteria for complete and partial withdrawals from your EPF account. Discover the circumstances and conditions that allow you to access your funds partially or entirely.

Complete Withdrawal

EPF can be withdrawn entirely under the following circumstances:

  • Retirement: When an individual retires.
  • Unemployment: When an individual is unemployed for more than one month. In such cases, they can withdraw 75% of the accumulated amount. If the unemployment period extends beyond two months, the remaining 25% can also be withdrawn.

Individuals cannot completely withdraw their EPF balance while switching employers if they have not been unemployed for two months or more (i.e., the interim period between changing jobs).

Partial Withdrawal

Let us see how to withdraw PF amount partially under specific circumstances:

Circumstance

Years of Service Required

Conditions

Medical Treatment

No specific criteria

Withdrawal for medical treatment of self, spouse, children, or parents.

Education

7 Years

Withdrawal for the account holder’s or child’s education (post matriculation).

Marriage

7 Years

Withdrawal for marriage expenses of the account holder, their son/daughter, or sibling.

Purchase of Site, Flat, or House

5 Years

Withdrawal for properties owned by the employee, spouse, or jointly with the spouse.

House Renovation

5 Years

Withdrawal for property renovations owned solely by the employee or jointly with the spouse.

Home, Site, or Flat Purchase or Construction Loan Repayment

10 Years

Withdrawal for properties owned by the employee or jointly with the spouse, subject to housing loan documentation.

Partial Withdrawal Before Retirement

When the employee reaches 54 years

Withdrawal should be made at least one year before retirement or superannuation.

Eligibility For PF Withdrawal After Resignation

To be eligible for withdrawing your PF amount after resignation, you need to meet the following conditions:

  • Notice Period: You must serve a one-month notice period or pay your employer the corresponding amount.
  • Continuous Service: You must complete two months of continuous service with your current employer.
  • Updated Personal Details: Ensure your details are updated on the EPFO portal.

EPF Withdrawal Taxability

EPF withdrawals are tax-free if an employee has contributed to the EPF account for five consecutive years. However, if there is a break in these five years of contributions, the EPF withdrawal amount becomes taxable for that financial year.

Here are the key points regarding TDS (Tax Deducted at Source) on EPF withdrawals:

TDS Applicability

TDS is deducted if an employee withdraws the EPF amount before completing five years of service and the amount withdrawn exceeds ₹50,000.

TDS Rate with PAN

If the employee withdraws more than ₹50,000 before completing five years and providing their PAN card, a 10% TDS will be deducted from the EPF withdrawal.

TDS Rate without PAN

If the employee does not provide their PAN card, a TDS of 30% will be deducted from the withdrawn amount.

Form 15G/15H

No TDS will be deducted if the employee furnishes Form 15G/15H. These forms can be downloaded from the EPFO portal or the websites of major banks.

Tax Exemption after Five Years

No TDS is deducted when an employee withdraws the EPF amount after completing five years of continuous service, regardless of the withdrawal amount.

Document Required for EPF Withdrawal

To withdraw your PF amount, you will need to provide the following documents:

Universal Account Number (UAN)

Your UAN is essential for all EPF transactions, including withdrawals. Ensure that your UAN is activated and up-to-date.

Bank Account Information

You must provide details of your bank account where you want the withdrawal amount credited. It includes the bank name, account number, and IFSC code.

Identity and Address Proof

You must submit valid identity and address proof documents, such as an Aadhaar card, PAN card, passport, voter ID card, or driver’s license.

Cancelled Cheque

A canceled cheque with the IFSC code and account number printed on it is required for verification purposes. It ensures that the withdrawn amount is credited to the correct bank account.

Process to Enter Exit Date for PF Withdrawal

To facilitate PF withdrawal, accurately inputting the exit date is crucial. The Employees’ Provident Fund Organisation (EPFO) has simplified this process by allowing employees to enter their exit date directly through the Unified Member Portal. Here’s how you can do it:

Log in to the UAN Portal

Access the UAN portal using your Universal Account Number (UAN) and password.

Access the ‘Manage’ Tab

Once logged in, go to the ‘Manage’ tab and locate the ‘Mark Exit’ option.

Choose Your Employer

Select your previous employer from the drop-down menu provided.

Enter Required Details

Fill in the necessary details, including your date of birth, joining date with the previous employer, and exit date, as per your resignation or leaving letter.

Verify Exit Date

After entering the exit date, you can verify it by accessing the ‘Service History’ option under the ‘View’ tab on the UAN portal.

Which are the Forms Used for EPF Withdrawal?

To withdraw your Employees’ Provident Fund (EPF), you must fill out specific forms based on the type of withdrawal you seek. These forms cater to withdrawal needs, such as full settlement, partial withdrawals, or pension claims. Below is an overview of the primary forms used for EPF withdrawal.

1. EPF Form 31

EPF Form 31 is used for partial withdrawals or to avail of advances from the EPF account. Here’s how you can download and submit Form 31:

Downloading EPF Form 31

  • Visit the EPFO portal and access the form.

Submitting EPF Form 31 Online

  • Log in to the EPFO portal using your UAN, password, and Captcha code.
  • Go to the ‘Online Services’ tab and select ‘Claim’.
  • Enter the necessary details like your name, father’s name, DOB, Aadhaar Number, PAN, joining date, and mobile number.
  • Click on ‘Proceed for Online Claim’ after verifying your details.
  • Select ‘PF Advance (Form 31)’ from the drop-down menu.
  • Choose the reason for the EPF advance, and enter your current address and the amount.
  • Sign the disclosure, check the ‘Get Aadhaar OTP’ box, enter the OTP received on your Aadhaar-linked mobile number, and click ‘Validate OTP’ to submit the form.

2. EPF Form 19

EPF Form 19 is used for the final settlement of EPF funds. It includes two pages with the following details:

First Page

  • Member’s name, father or spouse’s name, Date of birth, name, and address of the establishment.
  • Date of joining and leaving the company, PF Account Number, UAN, full postal address, PAN, reason for leaving, mode of payment, and signatures.

Second Page

  • An advance stamped receipt must be filled out only if the cheque is the payment method.

Filling EPF Form 19 Online

  • Log in to the EPFO website using your UAN, password, and Captcha.
  • Go to the ‘Online Services’ tab and select “Claim (Form 31, Form 19, Form 10C and Form 10D)”.
  • Enter and verify the bank account number linked to your PF account.
  • Confirm the ‘Certificate of Undertaking’ by selecting ‘Yes.’
  • Choose ‘Only PF Withdrawal (Form – 19)’ from the drop-down menu.
  • Enter your complete permanent address and tick off the disclaimer.
  • Click on ‘Get Aadhaar OTP,’ enter the OTP received on your registered mobile number, and apply.

Filling EPF Form 19 Offline

  • Download Form 19 from the EPFO portal and print it.
  • Fill in the PF account number, bank account number, IFSC code, PAN, joining and exit date, permanent address, and mode of remittance. Attach a revenue stamp and a canceled cheque.
  • Submit the form to the EPFO office.

3. Form 10C

Form 10C is required to withdraw or transfer the EPS (Employee Pension Scheme) amount. Here’s how to fill out and submit Form 10C:

Filling Form 10C Online

  • Log in to the EPF portal using your UAN and password.
  • Select ‘Online Services’ from the menu bar.
  • Choose ‘Claim’, which contains Form 19, Form 31, and Form 10C.
  • Verify your service history, KYC requirements, and member details.
  • Click on ‘Proceed Online Claim’.
  • Verify details such as PAN, mobile number, bank account number, and UAN number.
  • Enter the last four digits of your bank account number and click ‘Verify.’
  • Agree to the ‘Certificate of Undertaking’ by clicking ‘Yes’.
  • Select the claim type ‘Withdraw PF only’ or ‘Withdraw Pension Only.’
  • Enter your permanent address in the Form 10C section and tick the disclaimer.
  • Click ‘Get Aadhaar OTP,’ enter the OTP sent to your Aadhaar-linked mobile number, click ‘Validate OTP,’ and then ‘Submit Claim Form’.
  • After submission, you will receive an SMS notification on your mobile number. The EPS amount will be transferred to your savings bank account.

Impact of EPF Contributions in the Future

The impact of EPF contributions extends into the future, offering financial security and stability. By consistently contributing to your EPF account throughout your working years, you build a substantial corpus that serves as a safety net during retirement or unforeseen circumstances. Your EPF contributions, coupled with interest accrual, grow over time, providing a reliable source of income post-retirement. Additionally, EPF contributions are tax-efficient, offering benefits such as tax-free withdrawals after five years of continuous contributions.

Key Takeaways

  • Understanding how to withdraw PF amounts online or offline enables convenient access to EPF funds during job changes, retirement, or financial crises.
  • Knowing the eligibility requirements, like notice periods and continuous service, ensures a smooth withdrawal process.
  • Utilizing online EPFO facilities simplifies withdrawal initiation and tracking, enhancing efficiency for individuals.
  • Being mindful of tax implications, such as TDS and exemptions, aids informed financial decision-making during EPF withdrawals.
  • Recognizing the lasting effects of EPF contributions on financial stability and retirement planning emphasizes the importance of consistent saving and strategic fund management.

Conclusion

Withdrawing your EPF amount online is a streamlined and efficient process, ensuring you can access your funds when needed. By following the outlined steps on withdrawing PF amount, you can successfully manage your EPF withdrawals through the UAN portal or by submitting physical forms. Remember to keep your details and KYC information updated to avoid delays. Whether you opt for full or partial withdrawal, understanding the procedures will help you steer the process smoothly and ensure timely access to your provident fund.

FAQ on How to Withdraw PF Amount Online

1

Is it necessary to withdraw a Provident Fund (PF) after leaving a job?

No, you are not required to withdraw your PF immediately after leaving a job. You can transfer it to your new employer’s PF account when you switch jobs.

2

How long does it take to process PF withdrawal?

PF withdrawal generally takes around 15-20 working days to be processed and credited to your bank account, depending on the efficiency of the EPFO and the accuracy of your submitted details.

3

Are there age requirements to join the Employees’ Provident Fund (EPF)?

No, there is no age limit for joining the Employees’ Provident Fund (EPF).

4

Can I fully withdraw my PF after resigning from a job?

Yes, you can entirely withdraw your PF after being unemployed for over two months post-resignation. This process, known as “how to withdraw PF online after leaving job,” allows individuals to access their Provident Fund (PF) amount during periods of unemployment.

5

Can I withdraw my PF without resigning from my job?

Yes, partial withdrawals are allowed under specific conditions, such as medical emergencies, marriage, education, property purchase, or home renovation.

Amit Raje
Written By :
Amit Raje

Amit Raje is an experienced marketer who has worked in various Fintechs and leading Financial companies in India. With focused experience in Digital, Amit has pioneered multiple digital commerce in India. Now, close to two decades later, he is the vice president and head of the D2C business department. He masters the skill of strategic management, also being certified in it from IIMA. He has challenged his challenges and contributed his efforts in this journey of digital transformation.

Amit Raje
Reviewed By :
Prasad Pimple

Prasad Pimple has a decade-long experience in the Life insurance sector and as EVP, Kotak Life heads Digital Business. He is responsible for developing user friendly product journeys, creating consumer awareness and helping consumers in identifying need for life insurance solutions. He has 20+ years of experience in creating and building business verticals across Insurance, Telecom and Banking sectors

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