How to Close Your PF Account Permanently Online

The withdrawal process for the EPF account can be completed both offline and online. However, the online route is usually faster and a lot more convenient. Here is how to close an EPF account online and withdraw your funds:

Online process for PF withdrawal

1. Visit the EPFO Portal: Navigate to the official website of the Employees’ Provident Fund Organisation (EPFO).
2. Login with UAN: Select the "Member UAN / Online Service" option. Log in with your UAN, password, and captcha code.
3. Go to online services: From menu, select "Claim (Form - 31, 19, 10D and 10C)". This will start the claim process for the final withdrawal.
4. Enter your details: Fill in the necessary details and verify your information.
5. Agree to the undertaking: Click on "Yes" to confirm the Certificate of Undertaking.
6. Select PF withdrawal option: From the drop down, pick "Only PF Withdrawal (Form 19)". This option is chosen if you want to withdraw your EPF balance only.
7. Provide address and authenticate: Enter your current address and tick the disclaimer box. You will need to verify your identity using Aadhaar-based OTP, which will be sent to your registered mobile number.
8. Submit the application: Once the OTP is verified, your application will be submitted, and you will receive a URN (reference number) that you can use to track the status.
9. Receive funds: That’s it! If all steps are followed correctly, your PF amount gets credited to your bank linked to the UAN in 15-20 days.

Offline PF withdrawal process

If you prefer not to use the online method and want to do it by paper, you need to follow this process:

1. Get the composite claim form: The form is available for download on the EPFO website.
2. Fill in the details: Complete the form with your personal and employment details.
3. Submit the form: If you're using the Aadhaar-based Composite Claim Form, you can submit it directly to the EPFO. For the non-Aadhaar version, your employer's attestation will be needed before submission.
4. Receive funds: The offline process may take a little longer, but the PF balance will be credited to your account in a few weeks.

To ensure a smooth process when closing your PF account, get the necessary documents and keep them handy. For an online withdrawal, the documentation is minimal, but you will need these:

• Bank account details: Ensure your UAN-linked bank account details are updated on the EPFO portal.
• Cancelled cheque: Provide a cancelled cheque with your account number with the IFSC code clearly visible.
• ID proof: Keep your Aadhaar card or other valid identification handy for authentication.
• Address proof: This may be needed if your address has changed since you started working.

No other documents are needed for online withdrawal unless there is an issue with your details on the portal.

Understanding how to close a PF account and the procedures for withdrawing your EPF balance is crucial for those who are nearing retirement or transitioning from a job. While it may look complex, following the above steps and knowing that you meet the eligibility criteria will make the process seamless. Whether you opt for the online or offline method, keeping your documents ready and ensuring your details are up to date will help avoid unnecessary delays.

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