EPF withdrawal online

Know how to withdraw PF amount online in 5 simple steps through the EPFO portal. Check eligibility, required documents, and the easy claim submission process.
OPEN FD
Withdraw PF Amount Online
OPEN FD
3 mins
Sep 04, 2026

PF withdrawal allows eligible EPFO members to access provident fund savings for retirement, unemployment and specified needs permitted under rules. Members can file claims online using an activated UAN, verified KYC details, Aadhaar-linked mobile number and registered bank account information. The process covers eligibility checks, claim selection, document submission where required, bank verification and online status tracking through EPFO channels. Employer approval may not be required for Aadhaar-based online claims when EPFO records, KYC information and bank details are verified.


For other goals, consider preserving retirement savings while Bajaj Finance Fixed Deposit that offers interest rates up to 7.75% p.a for senior citizens.


Key Highlights

ParticularsEPF Scheme, 2026 update
Notification and effective dateNotified through G.S.R. 525(E) on 29 June 2026 and effective from the same date under the new framework.
Legal frameworkThe scheme replaces the Employees’ Provident Funds Scheme, 1952 under the Code on Social Security, 2020, while preserving existing balances and memberships.
Withdrawal categoriesThirteen separate provisions are consolidated into Essential Needs, Housing Needs and Special Circumstances for simpler eligibility assessment.
Eligible withdrawal balanceMembers may withdraw up to 100% of their eligible balance, generally calculated after retaining the prescribed 25% minimum balance.
Minimum balanceMembers generally retain 25% of total contributions during service, supporting continued interest accumulation and preservation of retirement savings.
Minimum membershipPartial withdrawals generally require at least 12 months of EPF membership across the three permitted categories.
Essential NeedsCovers illness, education and marriage, with education withdrawals allowed ten times and marriage withdrawals allowed five times, subject to eligibility.
Housing NeedsCovers site or house purchase, construction, housing loan repayment, renovation and specified improvements, with up to five permitted withdrawals.
Special CircumstancesMembers may apply without stating a specific reason, with up to two withdrawals permitted during each financial year.
Unemployment withdrawalMembers may withdraw 75% immediately after unemployment, while the remaining 25% becomes available after completing 12 months of unemployment.
Full withdrawalPermitted for retirement after age 55, permanent incapacity, permanent migration, retrenchment, voluntary retirement and other prescribed circumstances.
Online processAadhaar-based claims can be filed digitally using an activated UAN, verified KYC, registered mobile number and validated bank account.
Employer approvalEmployer approval is generally unnecessary for eligible Aadhaar-based online claims when member, KYC and bank details are correctly verified.
Claim settlementEligible online claims are targeted for settlement within three working days, subject to verification, system validation and absence of discrepancies.
Main objectiveThe updated framework supports simpler rules, broader digital access, faster processing and continued preservation of members’ retirement savings.

Who Can Withdraw PF Online?

Online PF withdrawal is available to EPF members who meet the following eligibility criteria:

  • Your Universal Account Number (UAN) is activated.
  • Your Aadhaar, PAN, and bank account details are verified and linked with your UAN.
  • Your mobile number is linked to your bank account for OTP verification.
  • You are eligible to withdraw due to retirement, unemployment, or approved partial withdrawal reasons under EPF rules.
  • Your date of exit has been updated in the EPF records by your employer.

What is the PF withdrawal limit?

There is no fixed maximum limit for withdrawing money from your EPF account. Depending on the situation and EPFO rules, you can withdraw either the full balance or a partial amount from your provident fund.


Full Withdrawal

You can withdraw the entire EPF balance mainly in cases of retirement or unemployment. If you remain unemployed, you may withdraw up to 75% of your EPF balance after one month of unemployment, and the remaining 25% after two months. However, if you are switching jobs, you are generally expected to transfer your EPF balance instead of withdrawing it.


Partial Withdrawal

EPFO also allows partial withdrawals for specific purposes such as medical treatment, education, marriage, home purchase, home renovation, or pre-retirement needs. The withdrawal amount depends on factors like your years of service, salary, and the purpose of withdrawal. In most cases, members must complete a minimum of five years of service to qualify for certain withdrawals.


Special cases

Full withdrawal may also be permitted in special situations, such as when the establishment has remained closed for more than 15 days and employees are unemployed without compensation, or when salaries have not been paid for over two consecutive months (excluding strike situations).


Also Read: PPF Limit

Fixed Deposit

  1. Trusted by over 5 lakh customers
  2. Fixed Deposits worth more than Rs. 50,000 crore booked
  3. Rated CRISIL AAA/STABLE and [ICRA]AAA(STABLE)
  4. Up to 0.35% p.a. extra interest offered for senior citizens
  5. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

By proceeding, you agree to our Terms and Conditions

What you will need before applying for PF withdrawal

Before you log in to the EPFO portal, make sure you have these in place:

  1. UAN (Universal Account Number): It must be active and KYC-compliant.
  2. Aadhaar card: Must be linked to your UAN and verified.
  3. Bank details: Your bank account must match the one linked to your Aadhaar.

  4. Mobile number: Registered with your Aadhaar to receive OTPs.


Note: If any of these details are outdated, complete the eKYC update process on the portal before filing your claim.


EPFO 3.0 – ATM-based PF withdrawal in 2026

In 2025, EPFO is launching EPFO 3.0—a game-changing update that lets you withdraw PF directly from ATMs using UPI or your Aadhaar.

This means:

  • Instant access to your money during emergencies
  • No employer approvals or paperwork
  • Greater control over your savings, anytime, anywhere

With over 7 crore members set to benefit, this move puts your PF at your fingertips—literally.


How to withdraw PF online in 7 Steps

You can withdraw your Provident Fund (PF) online by following these steps:

  1. Log in to the UAN Member Portal using your UAN and password.
  2. Check your KYC details under Manage > KYC to ensure your Aadhaar and bank details are verified.
  3. Go to the Online Services section and select Claim (Form-31, 19, 10C & 10D).
  4. Enter your bank account details and click on Verify.
  5. Click on Proceed for Online Claim.
  6. Choose the appropriate claim type:
    • PF Advance (Form 31): If you are currently employed
    • Only PF Withdrawal (Form 19): If you have left your job
    • Only Pension Withdrawal (Form 10C): If you have left your job

  7. Accept the declaration, enter the OTP sent to your Aadhaar-linked mobile number, and submit the application.


How to withdraw PF offline?

You can also withdraw PF offline by using the Composite Claim Form. There are two types:

1. Composite Claim Form (Aadhaar)

Use this form if your Aadhaar and bank details are linked to your UAN and your UAN is active. You can submit the form directly to the respective EPFO office without employer attestation.

2. Composite Claim Form (Non-Aadhaar)

Use this form if your Aadhaar or bank details are not linked to your UAN. In this case, the form must be attested by your employer before submission to the EPFO office.

For partial withdrawals, multiple supporting documents are no longer required. Employees can now submit a self-declaration instead, as per EPFO guidelines.


How to withdraw PF online using UAN (Step-by-Step)

With an active UAN and KYC in place, your PF withdrawal is just a few clicks away.

Here’s how to do it via the EPFO Member e-SEWA portal:

  1. Log in at EPFO Member Portal using your UAN, password, and captcha.
  2. Navigate to ‘Online Services’ → click ‘Claim (Form-31, 19, 10C & 10D)’.
  3. Verify your bank details linked to your UAN.
  4. Tick the declaration and click ‘Proceed for Online Claim’.
  5. From the dropdown, select the type of claim—Full PF settlement, PF Advance, or Pension Withdrawal.
  6. Enter the reason, amount, and your current address.
  7. Submit the form and authenticate with the OTP sent to your Aadhaar-linked mobile number.

That’s it! Your claim is submitted. You can track its status anytime under ‘Track Claim Status’ on the portal.

If you are planning to reinvest your withdrawn PF amount to get better interest than a savings account, do consider Bajaj Finance Fixed Deposit! Enjoy interest rates of up to 7.75% p.a. with zero market risk.


Don’t have a UAN? Here’s how to withdraw PF offline

No UAN? No worries—you can still access your EPF.

Here’s what you need to do:

  1. Download the Composite Claim Form (Aadhaar or Non-Aadhaar) from the EPFO website.
  2. Fill it out with your employment, personal, and bank details.
  3. Find your EPFO regional office using your alphanumeric PF number (check your salary slip).
  4. Get your identity verified by a gazetted officer, magistrate, or bank manager (for Non-Aadhaar forms).

  5. Submit the form at the EPFO office. Once verified, your PF amount will be credited to your account.


Note: This process takes longer and involves manual verification—ideal only if you’re unable to activate your UAN.

Fixed deposit variants

Highest Credit Ratings | Trusted with over 1.4 million Deposits | Assured Returns on FD
Recommended

Fixed Deposit - 60 Months

INTEREST RATES UP TO
7.75% p.a.
Invest Online

Fixed Deposit - Senior Citizen

INTEREST RATES UP TO
7.75% p.a.
Invest Online

Fixed Deposit - Age below 60

INTEREST RATES UP TO
7.40% p.a.
Open FD

Fixed Deposit - Minor

INTEREST RATES UP TO
7.40% p.a.
Open FD

Fixed Deposit - HUF

INTEREST RATES UP TO
7.40% p.a.
Open FD

Fixed Deposit - Sole Proprietor

INTEREST RATES UP TO
7.40% p.a.
Open FD

New EPF withdrawal rules 2026

EPFO has made some changes this year to make withdrawing your PF easier and faster. Here’s what’s new:

  1. Higher withdrawal limit

    You can now withdraw up to 75% of your PF balance during emergencies like medical needs, job loss, or natural disasters.

    A bigger cushion when you need support the most.

  2. Faster claim processing

    The claim settlement time has been reduced to 3 working days.

    That means less waiting and quicker access to your money.

  3. ATM-style withdrawal pilot

    In select cities, you can now withdraw PF using kiosk machines, just like an ATM—via Aadhaar and OTP.

    No forms, no queues.

  4. Automatic approval for small claims

    If your claim is under Rs. 50,000 and your KYC is complete, it’ll be auto-approved—no employer sign-off needed.

  5. DigiLocker integration

    Your PF balance, claim status, and history will now show up in your DigiLocker account.

    Track everything in one place, without logging into multiple portals.


Not using your withdrawn PF right away? Let it grow instead of sitting idle. Put your funds in AAA-rated Bajaj Finance Fixed Deposit and enjoy higher interest than a regular savings account (up to 7.75%). Check Today’s FD Rates and invest with confidence!


When can you withdraw EPF?

Many people believe you can only withdraw EPF at retirement—but that’s just one of the options.

Here’s when you can withdraw your PF:

  • After 2+ months of unemployment – Full withdrawal is allowed.
  • On retirement – You can withdraw the full amount.
  • When changing jobs – Just wait until your UAN is linked to your new employer.
  • For personal needs – Partial withdrawals are allowed for things like marriage, education, home loan repayment, or medical needs.

Here’s when you can’t withdraw:

  • You can’t withdraw your employer’s contribution in full if you’ve worked less than 10 continuous years (in some cases).
  • You can’t fully withdraw while you’re still employed—unless it’s a special situation.

Good to know: You do not need to wait till 58. Your EPF is there for you during life’s key moments—without penalties, if rules are followed.


Tax on EPF Withdrawal

EPF withdrawals are tax-free, right? Yes—but only if you know the rules. Let’s break it down by when and why taxes apply:

No Tax if:

  • You have completed 5 years of continuous service
  • EPF is withdrawn after retirement
  • =You’re withdrawing due to illness, company closure, or beyond your control

Even if you have switched jobs but transferred your PF each time, it still counts as continuous service.

Tax Applies if:

1. You withdraw before 5 years of service

  • The entire amount (your + employer’s share + interest) is taxable
  • TDS @ 10% is deducted if withdrawal exceeds Rs. 50,000
  • (If you don’t provide PAN, TDS jumps to 30%)

2. You don’t submit Form 15G / 15H

  • Even if your income is below the taxable limit, TDS will be deducted unless you file these forms

This income is added to your annual taxable income—it could affect your final tax slab.

Withdrawing PF early? Make your money work harder!


Reinvest your PF in a Bajaj Finance Fixed Deposit and enjoy safe, predictable returns of up to 7.75%. 


What are the documents needed for EPF withdrawal?


Switching jobs, retiring, or planning a major expense?

To avoid delays or rejection, make sure these documents are in place before applying for your PF withdrawal:


Keep these handy

  • UAN – Should be active and KYC-linked
  • Aadhaar card – For ID verification and OTP
  • PAN card – Mandatory for withdrawals above Rs. 50,000
  • Bank account details – Must match what’s in your EPF records
  • Cancelled cheque – With your name printed (if updating bank details)
  • Form 31/19/10C – Auto-filled during the online process

  • Exit date – Your employer must update this on the EPFO portal


Pro Tip: Ensure your KYC is verified under your UAN. It cuts down approval time and avoids back-and-forth.


Got your documents sorted?

Now’s a great time to secure your future earnings! Open a Bajaj Finance Fixed Deposit and earn up to 7.75% p.a. returns. Open FD Account in minutes—100% online.

Pro tip

Bajaj Finance offers attractive Fixed Deposit interest rates of up to 7.40% p.a. for non-senior citizens, and up to 7.75% p.a. for senior citizens, inclusive of an additional rate benefit of up to 0.35% p.a.

systematic-deposit-plan-pro-tip-banner

EPF Withdrawal Rules After Resignation

Just left your job or planning a switch?

Here’s what happens to your EPF when you resign:

1. 2-month waiting period (mostly)

You can apply for full EPF withdrawal after 2 months of unemployment—unless you're retiring, moving abroad, or facing specific medical/emergency conditions.


Planning a job break? Use this window to rethink your finances.


2. No waiting if you join a new job with EPF

If you switch to a new employer who offers EPF, your balance must be transferred, not withdrawn.


It’s not just safer—it keeps your savings compounding.


3. Tax implications still apply

Withdrawing PF before 5 years of service may attract TDS and income tax, unless exemptions apply.


Pro tip: Avoid tax outgo by transferring instead of withdrawing early.


4. UAN & KYC must be updated

Your Universal Account Number (UAN) must be active and KYC-complete for seamless withdrawal.


A small update now saves big delays later.


Taking a career pause?

Instead of parking your PF money in a savings account, consider a smarter move.

  • Invest in a Bajaj Finance Fixed Deposit and grow your funds steadily while you plan your next steps.
  • Open FD Account in just a few minutes with your mobile number.

Process to enter exit date for PF withdrawal

Did you know? Now, employees can directly update their exit date for PF withdrawal via the EPFO Unified Member Portal! This new feature streamlines the process and eliminates the need for employer involvement.

Here's how you can easily enter your exit date:

  1. Log in to the UAN portal: Use your Unified Account Number (UAN) and password to access your account.
  2. Go to the 'Manage' tab: Select the 'Mark Exit' option from the dropdown menu.
  3. Choose your employer: From the list, select the relevant employer.
  4. Enter key details: Provide your date of birth, joining date, and exit date. Ensure the exit date matches the one mentioned in your resignation or departure letter.
  5. Verify the exit date: Head to the 'Service History' section under the 'View' tab to confirm your details.

Pro tip: If you're unsure about your exit date, double-check your resignation letter to ensure smooth withdrawal processing!


How to check PF withdrawal status?

Wondering where your PF withdrawal stands? Here’s how you can track the status of your claim in just a few simple steps:

  • Log in to the UAN portal using your credentials
  • Go to ‘Online Services’ > ‘Track Claim Status’
  • Enter your reference number (you’ll get this when you apply)
  • View your real-time claim status instantly

If need to see your claim status on the go, you can use the EPFO's mobile app for easy access!


Which are the forms used for EPF withdrawal and how file?

EPF Withdrawal FormPurposeWhen to Use
EPF Form 31Used for partial or advance withdrawals for specific purposesApplicable when you need an EPF advance for reasons such as medical treatment, education, marriage, housing, or other permitted needs
EPF Form 19Used to claim final EPF settlementSuitable when you are exiting employment and want to withdraw your full EPF balance. It can be submitted using the PF account number even if you do not have a UAN
EPF Form 10CUsed to withdraw pension benefitsApplicable if you change jobs after completing at least 6 months but less than 10 years of service and wish to claim EPS benefits

Quick Tip:

Always verify your total service period before applying to ensure you select the correct EPF form and avoid delays in the withdrawal process.


PF customer care numbers

Got questions about your PF account? Here’s where to reach out:

  1. Toll-free PF number: Call 14470 for any assistance
  2. Missed call for EPF details: Dial 9966044425 to get EPF information
  3. Check PF balance via SMS: Send “EPFOHO UAN” to 7738299899
  4. PF-related email support: For more info, email employeefeedback@epfindia.gov.in

For urgent issues, use the toll-free number for instant help!


Conclusion

PF withdrawal provides eligible members access to retirement savings for unemployment, retirement, housing, medical treatment, education, marriage and permitted circumstances. Before claiming, members should confirm eligibility, activate their UAN and verify Aadhaar, KYC, bank details, mobile number and employment records. Eligible members can submit Aadhaar-based claims online, while Composite Claim Forms support offline applications under applicable verification and attestation requirements. Under current rules, partial withdrawals generally preserve 25% of contributions, while full settlement remains available in specified final withdrawal situations. Members should contact EPFO through official support channels when details mismatch, while considering retirement impact before submitting any withdrawal request.


Calculate your expected investment returns with the help of our Provident Fund and Public Provident Fund calculators.

Frequently asked questions

Is it better to withdraw my PF after my resignation or invest it somewhere else?

If you don’t need the funds right away, withdrawing your PF right after your resignation might not be ideal. You could lose out on long-term compounding and may even attract taxes.

Instead, think about locking that amount in a safe investment. A Bajaj Finance Fixed Deposit offers predictable growth with up to 7.75% p.a. returns—perfect for a career break or future goals.

Open FD Account in minutes—100% online.

Are EPF contributions eligible for tax deductions?

Yes, EPF contributions are eligible for tax deductions under Section 80C of the Income Tax Act, 1961. You can claim a deduction of up to Rs. 1.5 lakh per year for your EPF contributions.

Can I increase my EPF contributions?

Yes, you can increase your EPF contributions. You can contribute up to 100% of your basic salary.

Will the employer also contribute higher when I do?

No, your employer's contribution will remain the same even if you wist to increase your EPF contributions.

Do I need the employer’s permission to withdraw the amount from EPF?

No, you do not need the employer's permission to withdraw the amount from EPF.

Can I make premature withdrawals?

Yes, you can make premature withdrawals from your EPF account on meeting certain conditions.

How long will it take for the EPF claim to be settled?

The time it takes for an EPF claim to be settled varies but typically takes around 20-30 days, provided all required documents are in order.

What happens to my EPF account once I quit my job or switch jobs?

When you quit your job or change employers, your EPF account remains active, and you can continue contributing to it. You can also transfer the account to your new employer if you wish.

Will EPFO continue to pay interest on your EPF Account after you leave the company?

EPFO stops paying interest on your EPF account after you leave the company. However, your money continues to earn interest until you withdraw it.

I have completed five months in my current organisation. Can I withdraw my EPF money?

You cannot withdraw your EPF money after just five months of service. EPF withdrawals are typically allowed after at least five years of continuous service.

How much amount can I withdraw before one year of retirement?

Before one year of retirement, you can withdraw 90% of your EPF corpus, provided you are at least 54 years old.

What is the retirement age to withdraw the entire EPF amount?

The retirement age to withdraw the entire EPF amount is typically 58, but you can also withdraw it after reaching 55 years of age.

How can someone withdraw the EPF amount of a deceased employee?

To withdraw the EPF amount of a deceased employee, the nominee or legal heir needs to apply to the EPFO along with the required documents.

What do the different types of PF withdrawal claim forms?

Different types of PF withdrawal claim forms are categorized based on the reason for withdrawal, such as Form 19 for final settlement, Form 31 for partial withdrawal, and Form 10C for pension withdrawal.

Can a member withdraw the entire amount through money order?

You cannot withdraw the entire amount through money order; the EPF amount is typically transferred to your bank account through electronic funds transfer.

Can I prematurely withdraw PF?

Yes, you can prematurely withdraw PF under specific conditions, such as medical treatment, higher education, home purchase, or unemployment.

Can I withdraw 100% of my PF amount?

Yes, you can withdraw 100% of your Provident Fund (PF) balance upon retirement at age 58 or after two months of continuous unemployment. Premature withdrawals are permitted under specific conditions, such as medical emergencies or purchasing a home, but may be subject to taxes and penalties.

You can withdraw your entire PF balance if you've been unemployed for at least two months or if your new job starts more than two months after your last day at your previous company.

How can I claim my PF withdrawal online?

To claim your PF online, ensure your Universal Account Number (UAN) is activated and linked with your Aadhaar, PAN, and bank details. Log in to the EPFO member portal, navigate to 'Online Services,' select 'Claim (Form-31, 19 & 10C),' verify your bank account, and submit your claim.

Can we withdraw PF money while working?

Yes, you can withdraw a portion of your Provident Fund (PF) money while still employed, but only under specific conditions. Situations like medical emergencies, higher education, marriage, or home loans qualify for partial withdrawals. Each condition has predefined limits and documentation requirements, ensuring funds are used responsibly while retaining the corpus for retirement.

How can I claim full PF settlement?

To claim full PF settlement, you must either retire, resign, or remain unemployed for more than two months. Log into the EPFO portal using your Universal Account Number (UAN). Submit a claim under the "Form 19" section, ensuring your KYC details are updated and bank details are verified. Once processed, the funds will be directly credited to your account.

Show More Show Less

Videos on Fixed Deposit

0

Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
The company is having a valid Certificate of Registration dated March 5, 1998 issued by the Reserve Bank of India under section 45 IA of the Reserve Bank of India Act, 1934. However, the RBI does not accept any responsibility or guarantee about the present position as to the financial soundness of the company or for the correctness of any of the statements or representations made or opinions expressed by the company and for repayment of deposits/discharge of the liabilities by the company.

For the FD calculator the actual returns may vary slightly if the Fixed Deposit tenure includes a leap year.