EPF Form 31: What Is Withdrawal Form 31 and How to Download

Learn how to fill and submit EPF Form 31.
EPF Form 31
4 mins
21 February 2024

The Employee Provident Fund (EPF) is a vital savings platform in India, where both employees and employers contribute to build a financial safety net for the future of employee. Administered by the EPFO, it serves as a retirement fund, ensuring financial security for employees. Within the comprehensive framework of the EPF, Form 31 is quite important.

EPF Form 31 is a crucial document allowing individuals to withdraw funds from their EPF account under specific circumstances. Whether it is for medical emergencies, home loans, or education, this form facilitates access to savings when needed.

Knowing how to navigate EPF Form 31 is essential. It empowers individuals to make informed decisions about using their hard-earned savings wisely. Understanding it ensures a smooth withdrawal process, aligning with rules and regulations, offering a sense of security in managing one's finances effectively.

What is EPF form 31

EPF Form 31 is an application form used to claim partial withdrawal or advance from the Employees’ Provident Fund (EPF) account. The form can be used to withdraw funds for various purposes such as acquiring loans, medical treatments, house renovations, education, etc.

You can submit EPF Form 31 to make an advance claim against your provident fund account in two ways. One is online via the Unified Portal of EPFO, and the second is offline.

When can you use EPF Form 31?

  • Use Form 31, when you resign from your job and want to withdraw EPF fund.
  • Upon retirement, use Form 31 to withdraw your EPF balance.
  • In case of employment termination, for any reason, you can use Form 31 to withdraw your EPF balance withdrawal.
  • For partial withdrawal, like medical treatment or education expenses, use Form 31.
  • After 10 years of service or at the age of 55, access Form 31 for the final settlement of your entire EPF balance.
  • You can use Form 31, to take out your entire EPF balance, when you have completed 10 years of service or reached the age of 55.

How to download Form 31?

You can download the form from the official website of the Employees’ Provident Fund Organisation (EPFO).

How to submit Form 31 offline?

To submit the form offline, you need to follow these steps:

  1. Download Form 31 from the official website of the Employees’ Provident Fund Organisation (EPFO).
  2. Fill up the relevant details in the form.
  3. Upon filling, contact your employer and ask them to get a certification validating your employment with them and then ask them to fill the designation, date, and signature fields in the form.
  4. Submit this filled form to the respective EPFO office.

Read also: EPF withdrawal online process after retirement

How to submit Form 31 online?

To submit the form online, you need to follow these steps:

  1. Go to the official EPFO website: https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
  2. Log in to your account using your UAN, password, and captcha. Click on ‘SIGN IN’.
  3. Select ‘Form-31, 19, 10C & 10D’ from the ‘ONLINE SERVICES’ menu.
  4. You'll see an auto-filled form. Add the last four digits of your bank account number and confirm it.
  5. Click 'YES' to agree to the terms and conditions in the ‘CERTIFICATE OF UNDERTAKING’ pop-up window.
  6. Choose ‘PROCEED FOR ONLINE CLAIM’ and select ‘PF WITHDRAWAL’ from the dropdown menu.
  7. Pick ‘PF ADVANCE FORM’ and input details like the purpose of withdrawal, withdrawal amount, and other required information.
  8. Finally, click ‘SUBMIT’ to finish the online application process.

Read also: What is Provident Fund (PF)

What Information is Included in EPF Form 31?

According to the guidelines of the Employee Provident Fund Scheme 1952, individuals are required to complete EPF withdrawal Form 31, providing the following details:

  • Mobile number
  • Reason for advance request
  • Amount needed as an advance.
  • EPF member's name
  • Husband's name (for married women)
  • PF account number
  • Monthly salary plus dearness allowance
  • Full postal address
  • Applicant's signature
  • Employer's signature
  • Remittance method
  • A cancelled cheque of the bank account to which the amount is to be credited.
  • A self-declaration letter stating the purpose of the advance.
  • Identity proof
  • Address proof
  • Two revenue stamps
  • Composite Claim Form

Documents required to submit EPF Form 31

  • Provide a photocopy of the EPF passbook or UAN (Universal Account Number) statement.
  • Submit the original or attested photocopy of PAN card.
  • Submit the original or attested photocopy of Aadhar card.
  • Include the original or attested photocopy of latest salary slip.
  • Attach the original or attested photocopy of the appointment letter or service certificate.
  • If applicable, give the original or attested photocopy of the discharge certificate or termination letter.
  • For partial withdrawals related to higher education or marriage, submit the original or attested photocopy of the proof of age.
  • For medical expense, provide the original or attested photocopy of the medical certificate.

Taxation on withdrawal

TDS is deducted at a rate of 10% on EPF balance if withdrawn within the initial 5 years of service, and if the withdrawal amount exceeds Rs. 50,000. It is important to include your PAN details during withdrawal. Failure to provide PAN will result in TDS deduction at the maximum slab rate of 30%.

Read also: Eligibility for Employee Provident Fund (EPF)

How to check Form 31 claim status?

  • Visit the EPFO website.
  • Click on ‘Click here for Knowing your Claim Status’.
  • A drop-down list will appear; select the location of your PF office.
  • The next page displays the region code and your office code.
  • Type your Establishment code.
  • Them enter a 7-digit account number.
  • Click ‘Submit’ to view the status of the application.


In summary, understanding EPF Form 31 is key to wisely access savings. From stating reasons to submitting for, this guide simplifies the process. Remember that accurate details and timely submissions matter. Be aware of the tax rules, like TDS, and provide your PAN to avoid higher deductions. By following these steps, you empower yourself to navigate the EPF withdrawal journey smoothly, securing your financial future.

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Frequently asked questions

What are the requirements for EPF withdrawal for home loan repayment?

To withdraw EPF for home loan repayment, you need to fulfill specific criteria set by the EPFO. Usually, you should have completed at least 3 years of service, and the maximum amount they can withdraw is 90% of the EPF corpus.

Can I claim EPF without logging in to the EPF portal?

No, you generally need to log in to the EPF portal to submit withdrawal claims or check your EPF balance.

Is PAN mandatory for EPF withdrawal?

Yes, PAN is mandatory for EPF withdrawal. Providing PAN ensures proper taxation on the EPF withdrawal amount, and it is a crucial step in the withdrawal process.

What is the purpose of EPF withdrawal Form 31 and EPF withdrawal Form 19?
  • Form 31: Used for partial withdrawals from the EPF account for specific purposes like home purchase, loan repayment, medical treatment, etc.
  • Form 19: Used for the final settlement of the EPF account after retirement, resignation, or termination.
How many times can I withdraw the PF money in advance online?

EPFO allows online advance withdrawals under specific circumstances, and the number of times depends on the specific purpose, such as medical treatment, home loan repayment, or unemployment.

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