5 simple steps to withdraw money from your EPF account

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5 simple steps to withdraw money from your EPF account

  • Highlights

  • You can claim your PF amount at the end of or before retirement in 5 easy steps

  • Your UAN is mandatory to claim your PF amount

  • You can apply either for a full, partial or pension withdrawal

  • Visit the EPFO e-SEWA portal to complete the withdrawal process

Employee Provident Fund is a scheme instated by the government, as per the Employee Provident Fund Act of 1952 wherein you and your employer contribute a specific amount each month. Since money is invested on a monthly basis, it helps you build a corpus for your post-retirement life. While your PF account will change every time, you start working at a new organisation, your consolidated EPF account, identified by your Universal Account Number (UAN) will not change. This 12-digit UAN is extremely useful, and is all you need to check your PF details. So, if you are wondering how to know your EPF balance or how to check whether or not your employer has contributed towards it, you can easily do so through the EPFO e-SEWA portal, mobile app, and SMS by logging in with your UAN.

In an emergency situation, such as hospitalisation, wedding or education of your child, home renovation and repairs, you will need funds quickly. Instead of taking a loan, you can withdraw funds from your PF in full or in part. Just remember that to initiate the PF withdrawal process you will have to keep your Universal Account Number (UAN) handy.

How to Grow Your EPF Savings

To know how to apply for PF withdrawal, follow these 5 simple steps.
1. Visit the EPFO e-SEWA portal and log in using your UAN and password. If you have forgotten the password, you can reset it via an OTP sent to your registered mobile number.
2. Then, check whether you have updated and linked your Aadhaar number to your UAN. If you haven’t, do so first through the ‘Manage’ tab.
3. Next, click on the ‘Online Services’ tab on the UAN dashboard and then click on ‘Claim (Form-31, 19 & 10C)’.
4. In the next step, from the ‘I want to apply for’ menu, choose from options such as full withdrawal, partial withdrawal or pension withdrawal.
5. Your claim is then forwarded to your employer for approval. As soon as the claim is approved, the PF amount will be credited into your savings account linked with your EPF account within 10 days.

Now that you know how to withdraw money from your PF account, you can withdraw your PF as per your needs, without any hassle. Also, choosing the online method eliminates the need to contact your employer or fill in paperwork manually.

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