EPF Withdrawal for NRIs: A Simple Guide to Access Your Provident Fund from Abroad

Whether you have relocated for work, education, or a long-term stay, your EPF (Employees’ Provident Fund) balance does not stop working for you. If you contributed to EPF while working in India and have since become an NRI, you can still manage, withdraw, or transfer your EPF amount with ease—provided you understand the rules.

EPF is not just a retirement tool; for many, it is one of the first building blocks of long-term savings. But as you plan your financial life abroad, it is important to make smart decisions about how and when to access that money—and where to reinvest it if needed.

What Are the EPF Withdrawal Rules for NRIs?

Here is what you need to know before taking that next step:

Rule	What It Means	Why It Matters
2-month waiting period	After moving abroad, you must wait two months before initiating a withdrawal.	This ensures the EPFO records reflect your updated employment status.
Tax implications	Withdrawals before 5 years of continuous service attract TDS.	NRIs may get TDS relief through DTAA (Double Taxation Avoidance Agreement).
Inactive accounts	Interest is credited only for the first 36 months after inactivity.	Keeping track avoids missing out on earnings.
KYC updates	PAN, Aadhaar, bank details must be accurate.	Avoids rejection of your withdrawal request.
Online withdrawal available	You can apply on the EPFO portal if Aadhaar is linked.	No paperwork, no waiting in line—just a few clicks.

Tip: Not using your EPF soon? Park the amount in a Bajaj Finance Fixed Deposit. It gives you up to 7.95% p.a. returns with zero market risk. You stay in control, even from abroad. Open an FD Account from Anywhere.

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Process of EPF withdrawal for NRIs

The EPF withdrawal process for NRIs can be completed either online or offline. Understanding the steps in each process ensures a smooth experience while managing your EPF balance after moving abroad. The process for withdrawing funds from an EPF account is fairly straightforward once all documentation is in place.

Online EPF Withdrawal Process for NRIs

The online process is quicker and can be done entirely from your home abroad:

1. Visit the EPFO portal: epfindia.gov.in
2. Log in with your UAN (Universal Account Number)
3. Verify Aadhaar linkage for seamless KYC
4. Fill out Form 19 or 10C, depending on whether you want a full withdrawal or just pension benefits
5. Submit the form online

Usually processed within 7–10 working days.

Also Read: Check EPF withdraw status

Prefer the Offline Route?

No worries. If you are more comfortable with paper forms, follow this path:

1. Download and fill Form 19 (final settlement) or Form 10C (pension withdrawal).
2. Attach a copy of your passport, PAN, Aadhaar, and cancelled cheque.
3. Submit to your regional EPFO office (you can do this through a representative in India).
4. Wait for processing—usually takes a few weeks.

Note: Always ensure your bank account and KYC details match across all documents. Even a small mismatch can delay your funds.

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Documents needed for PF withdrawal

When applying for EPF withdrawal, NRIs need to submit several key documents to complete the process. Here are the documents required:

• Aadhaar card: The Aadhaar card is essential for verifying the account holder's identity.
• PAN card: The PAN card is necessary for tax purposes and is required to complete the withdrawal process.
• Bank account details: A cancelled cheque or bank statement with the account holder’s name must be provided to verify the bank account details for fund transfer.
• Passport copy: NRIs need to provide a copy of their valid passport as proof of their NRI status.
• Form 19: For complete settlement, Form 19 is required, while Form 10C is needed for pension withdrawals.
• Form 15G/15H: NRIs need to submit these forms to claim exemption from TDS on the withdrawn amount, depending on the country of residence.
• Income tax return (ITR): In some cases, NRIs might be asked to provide proof of their tax filings, depending on the country of residence and the amount withdrawn.
• Signature verification: NRIs need to provide their signature on the forms for verification purposes.

Wondering where to move the funds after withdrawal?

If you are not ready to invest in market-linked products, consider a Bajaj Finance FD. It is a smart, stable option to keep your money growing at a rate of up to 8.60% p.a.! Check