EPF PF Management Transfer, Withdrawal, UAN & Contribution Guide
-
In summary
This EPF withdrawal online guide explains the process, confirms 2026 changes, and identifies claims needing verification before EPFO releases payment.
- Apply through the official EPFO Member Portal
- Verify UAN, KYC, bank, mobile, service, and exit details
- Select the claim form matching your eligibility
- Preserve retirement savings unless withdrawal is necessary
Check each declaration, because your amount, evidence, and settlement route depend upon EPFO records, eligibility conditions, and the claim type. EPF savings primarily support retirement, making transfers preferable during job changes unless withdrawal becomes necessary under the applicable eligibility conditions.
Who can withdraw PF online?
Avoid these mistakes while booking FD
-
EPF members who fulfill the following eligibility criteria can opt for online PF withdrawal:
- Activated UAN
- Verified Aadhaar, PAN, KYC, and bank details
- Aadhaar-linked mobile number
- Correct service history and exit date
- Eligible claim category
What is the PF withdrawal limit?
-
No universal limit applies, because EPFO calculates eligibility using the claim purpose, available balance, membership, service record, and withdrawal history
Full withdrawal
Full settlement applies in prescribed circumstances, including retirement after age 55, permanent incapacity, retrenchment, voluntary retirement, or permanent migration abroad.
Partial withdrawal
Eligible members may claim advances for essential needs, housing needs, or special circumstances while maintaining the prescribed retirement savings balan
Special cases
Special-circumstance claims may not require a stated reason, although portal validation, available balance, membership, and other scheme conditions still apply.
Also Read: PPF Limit
-
What you will need before applying for PF withdrawal
Before submitting an online PF withdrawal claim, ensure the following details are updated and verified:
- Universal Account Number (UAN): Your UAN must be activated.
- KYC Details: Aadhaar and PAN details should be verified in your EPFO account.
- Aadhaar: Your Aadhaar must be linked to your UAN.
- Bank Account: Your account number and IFSC must be correctly registered and verified.
- Mobile Number: Your Aadhaar-linked mobile number must be active to receive the one-time password (OTP).
Note: Correct any outdated or mismatched details through the EPFO portal before submitting your claim to reduce the possibility of delays or rejection.
-
EPFO 3.0: UPI and ATM-based PF withdrawal
EPFO has proposed enabling eligible members to withdraw PF through Unified Payments Interface (UPI) and ATM channels under its digital modernisation programme. However, nationwide availability, withdrawal limits, security requirements, and operating procedures are yet to be formally confirmed through official EPFO instructions.
Until the facility becomes operational, members should continue using the EPFO Member Portal or UMANG app to submit and track withdrawal claims. Keep your Universal Account Number active and ensure that your Aadhaar, bank account, mobile number, and Know Your Customer details are verified. Check the official EPFO website for rollout updates before using any new withdrawal channel.
-
How to withdraw PF online in 7 Steps?
Steps to withdraw PF online
- Sign into the portal using your UAN, password, and captcha
- Review KYC, bank, service, and exit details
- Select Online Services, then the displayed Claim option
- Enter and verify your bank details
- Select Proceed for Online Claim
- Choose the claim type and provide requested information
- Accept the declaration, authenticate by OTP, submit, and save the reference
-
How to withdraw PF offline?
Download the Composite Claim Form, complete fields, attach requested evidence, and submit everything to the appropriate EPFO field office directly.
Composite Claim Form Aadhaar
Use this route when UAN, Aadhaar, and bank details are linked, allowing direct submission without employer attestation under applicable conditions.
Composite Claim Form non-Aadhaar
Use this route when Aadhaar requirements remain incomplete, obtaining employer attestation and providing supporting information requested by your EPFO office.
-
How to withdraw PF online using UAN (Step-by-Step)
Claim option Typical purpose Form 31 Permitted partial advance Form 19 Final EPF settlement Form 10C EPS withdrawal benefit or scheme certificate Form 10D Eligible pension claim
-
Don’t have a UAN? Here’s how to withdraw PF offline
If you cannot activate or access your Universal Account Number (UAN), you may submit an offline claim using your PF account or Member ID, subject to EPFO verification.
Follow these steps:
- Download the form: Get the applicable Composite Claim Form from the EPFO website.
- Complete the details: Enter your personal, employment, PF account, and bank information.
- Obtain attestation: Ask your previous employer to verify and attest the claim form.
- Attach documents: Provide a cancelled cheque, identity proof, and other documents requested for your claim.
- Submit the claim: File the completed form at the EPFO office responsible for your account.
If your employer is unavailable, the manager of the bank holding your savings account may attest the form. Submit it to the Regional Provident Fund Commissioner with an explanation.
Note: Offline claims involve manual verification and may take longer. Activating your UAN can make future claims and account management easier.
-
New EPF withdrawal rules 2026
The updated EPF withdrawal framework simplifies claim categories, expands access to eligible balances, and increases automation. Key changes include:
Simplified withdrawal categories
Thirteen separate partial-withdrawal provisions have been consolidated into three categories: essential needs, housing needs, and special circumstances.
Higher eligible withdrawal amount
Members can withdraw up to 100% of their eligible balance, including employee and employer contributions. However, 25% of contributions must generally remain in the account to support retirement savings.
Shorter membership requirement
The minimum membership period for partial withdrawals has been standardised at 12 months across all three categories.
More withdrawals for education and marriage
Eligible members can withdraw funds for education up to 10 times and marriage up to five times, subject to applicable conditions.
Faster automated settlement
Eligible advance claims of up to Rs. 5 lakh may qualify for automated settlement within three days, provided KYC, bank, and eligibility checks are successful.
Revised final-settlement period
The waiting period for premature final EPF settlement after leaving employment has increased from two months to 12 months. The period for final pension withdrawal has increased to 36 months.
These changes do not confirm nationwide PF withdrawals through ATMs or UPI. Members should use the official EPFO portal or UMANG app until formal operating instructions are issued. If you plan to reinvest withdrawn funds, compare liquidity, taxation, tenure, and returns before choosing an option. A Bajaj Finance Fixed Deposit currently offers interest rates of up to 7.40% p.a., subject to the chosen tenure and investor category.
-
When can you withdraw EPF?
You can withdraw EPF at retirement, after prolonged unemployment, or through partial withdrawals for eligible needs. The permitted amount depends on the claim type, membership period, available balance, and EPFO rules.
You may withdraw EPF in the following situations:
- After leaving employment: Up to 75% of the balance may be accessed, while final settlement of the remaining amount is allowed after 12 months of continuous unemployment.
- On retirement: Eligible members can claim the full EPF balance.
- For essential needs: Partial withdrawals may cover illness, education, and marriage.
- For housing needs: Funds may be withdrawn for a home purchase, construction, renovation, or housing loan repayment.
- Under special circumstances: Members can submit a partial-withdrawal claim without specifying a reason, subject to eligibility.
Full withdrawal is generally unavailable while you remain employed. When changing jobs, transfer the EPF balance to the new Member ID linked with your Universal Account Number instead of withdrawing it.
Good to know: EPF and Employees’ Pension Scheme balances follow different withdrawal rules. The 10-year service condition mainly affects pension eligibility, not ownership of the employer’s EPF contribution. Early withdrawals may also have tax implications.
-
Tax on EPF Withdrawal
Tax treatment depends upon continuous service, withdrawal circumstances, transferred service, contribution deductions, payment amount, PAN availability, and prevailing income-tax provisions.
No tax if:
No TDS generally applies after five continuous service years, upon eligible transfers, or where employment ended for qualifying uncontrollable circumstances.
Tax applies if:
Taxable treatment may apply before five continuous service years, although exemptions depend upon employment termination reasons and supporting official records.
You withdraw before 5 years of service)
For taxable payments exceeding Rs. 50,000, TDS is generally 10% with PAN and 20% without PAN under current guidance.
Which declaration replaces Form 15G or Form 15H? (You don’t submit Form 15G / 15H
For tax year 2026–27, eligible nil-tax declarations use Form 121, replacing Forms 15G and 15H under the new framework.
-
What are the documents needed for EPF withdrawal?
Keep these handy
- Active UAN and Aadhaar-linked mobile
- Verified Aadhaar, PAN, KYC, and bank details
- Cancelled cheque or passbook image, when requested
- Correct exit date and service history
Claim-specific supporting evidence
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.
-
EPF Withdrawal Rules After Resignation
After resigning, you can withdraw part of your EPF balance or transfer it to your new employer, depending on your employment status and financial needs.
1. Partial withdrawal after leaving employment
You can withdraw up to 75% of the eligible EPF balance after leaving your job. This amount may include both employee and employer contributions, subject to EPFO conditions.
2. Full settlement after 12 months
You can claim the remaining EPF balance after completing 12 months of continuous unemployment. Different conditions may apply in cases such as retirement, permanent incapacity, or permanent migration.
3. Transfer when changing jobs
If you join another EPF-covered employer, transfer the existing balance to your new Member ID through the same Universal Account Number. This preserves service continuity and allows the accumulated balance to continue earning interest.
4. Tax implications
An EPF withdrawal before completing five years of continuous service may be taxable, and Tax Deducted at Source may apply. Transferred service across employers can count towards the five-year period, subject to applicable tax rules.
5. Updated UAN and KYC details
Ensure your UAN is active and your Aadhaar, PAN, bank account, mobile number, service history, and date of exit are correctly updated. Mismatched details can delay or affect claim processing.
Before withdrawing, consider your immediate financial requirements, potential tax liability, and the effect on long-term retirement savings.
Taking a career pause?
Preserve EPF when practical; otherwise, compare Bajaj Finance Fixed Deposit liquidity, taxation, tenure, returns, and credit safety before reinvesting elsewhere.
Process to enter exit date for PF withdrawal
Steps to enter your exit date:
- Sign into the portal
- Select Manage, then Mark Exit
- Choose the relevant employment
- Enter the requested exit details and authenticate
- Confirm everything under Service History
Updates require prescribed conditions, so contact your employer or EPFO when the portal option remains unavailable for employment record online.
How to check PF withdrawal status?
You can track your PF withdrawal claim online through the EPFO Member Portal by following these steps:
- Log in using your Universal Account Number and password.
- Select Online Services from the main menu.
- Click Track Claim Status.
- Review the displayed claim details and current processing stage.
You can also check the status through the UMANG app by selecting EPFO, opening Employee Centric Services, and choosing Track Claim. Keep your Universal Account Number and claim reference details available.
Which are the forms used for EPF withdrawal and how file?
Form Purpose When used Form 31 Partial advance Permitted essential, housing, or special needs Form 19 Final settlement Eligible exit from EPF-covered employment Form 10C EPS benefit Withdrawal benefit or scheme certificate, subject to service Form 10D Monthly pension Eligible pension application 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
Channel Official detail Helpdesk 14470 Missed call 9966044425 from the UAN-registered mobile number SMS Send EPFOHO UAN to 7738299899 from the registered number Grievance portal EPFiGMS -
Conclusion
EPF withdrawal online becomes smoother when UAN, Aadhaar, KYC, banking, service history, exit details, and claim eligibility match official records.
Withdraw only for genuine requirements, understand applicable tax consequences, and preserve retirement compounding whenever transferring or retaining funds remains practical.
Calculate your expected investment returns with the help of our Provident Fund and Public Provident Fund calculators.
Check out different FD Rates
Fixed Deposit variants
Get ROI up to
7.75% p.a.
Senior citizen
Starting with just Rs. 15,000
Get ROI up to
7.40% p.a.
Age below 60 years
Starting with just Rs. 15,000
Get ROI up to
7.40% p.a.
Minor
Starting with just Rs. 15,000
Get ROI up to
7.40% p.a.
HUF
Starting with just Rs. 15,000
Get ROI up to
7.40% p.a.
Sole proprietor
Starting with just Rs. 15,000
Locate to your nearest FD branch
Related Articles
Frequently Asked Questions
Overview
Is it better to withdraw my PF after my resignation or invest it somewhere else?
Transferring EPF is preferable after joining another covered employer, because service continuity, compounding, and potential tax benefits remain preserved effectively. If unemployment continues, withdraw only what you require, because early access reduces the retirement balance available for compounding over time. Before reinvesting, compare liquidity needs, taxation, tenure, credit quality, premature-withdrawal conditions, and expected returns against leaving savings within EPF carefully.
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.
Disclaimer
1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (BAJAJ FINANCE) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.
2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.