PF Withdrawal - How To Withdraw PF Amount Online

Stay updated with the latest PF withdrawal process for 2025. Our guide covers everything from eligibility to required forms, ensuring a seamless online withdrawal experience.
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Withdraw PF Amount Online
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3 mins
16-April-2025

Your Provident Fund (PF) is more than just retirement savings—it’s money you can use for big life moments. Whether you are changing jobs, facing an emergency, or planning a major milestone like buying a home or funding education, your PF is there to support you.

You can now withdraw your PF online in minutes—securely, digitally, and without needing employer approval. You don’t need to deal with paperwork or long queues anymore.

Before moving ahead with the article, here are important things to know:

  • Full PF withdrawal is allowed only after 2 months of unemployment or on retirement.
  • Partial withdrawals are permitted for specific needs—medical emergencies, education, marriage, or buying a house.
  • You can even withdraw up to 75% of your PF after just 1 month of unemployment.

If you are planning for a big life goal, don’t break your PF, park your additional savings in a Bajaj Finance FD and earn up to 8.60% p.a. returns. Check FD Rates.

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  5. Up to 0.40% p.a. extra interest offered for senior citizens
  6. Flexible interest payout options available - Monthly, Quarterly, Half-yearly, Annually or at Maturity

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What you will need before applying for PF withdrawal

Before you log in to the EPFO portal, make sure you have these in place:

  1. UAN (Universal Account Number): It must be active and KYC-compliant.
  2. Aadhaar card: Must be linked to your UAN and verified.
  3. Bank details: Your bank account must match the one linked to your Aadhaar.
  4. Mobile number: Registered with your Aadhaar to receive OTPs.

Note: If any of these details are outdated, complete the eKYC update process on the portal before filing your claim.

EPFO 3.0 – ATM-based PF withdrawal in 2025

In 2025, EPFO is launching EPFO 3.0—a game-changing update that lets you withdraw PF directly from ATMs using UPI or your Aadhaar.

This means:

  • Instant access to your money during emergencies
  • No employer approvals or paperwork
  • Greater control over your savings, anytime, anywhere

With over 7 crore members set to benefit, this move puts your PF at your fingertips—literally.

How to withdraw PF amount offline or online

A. Offline process using physical application

Still prefer the traditional route. Here’s how it works:

  • Composite Claim Form (Aadhaar):
    Use this if your Aadhaar and bank account are linked to your UAN.
    No employer signature is needed. Just submit it at the nearest EPFO office.
  • Composite Claim Form (Non-Aadhaar)
    Use this if your Aadhaar is not linked Needs employer attestation before submission on

B. Online PF Withdrawal via EPFO Portal

Prefer speed and zero paperwork? Here’s what you’ll need:

  • An activated UAN, linked with Aadhaar and PAN
  • A working mobile number registered with your Aadhaar
  • Verified KYC (bank, Aadhaar, PAN) on the EPFO portal

Once everything’s in place, your PF claim can be filed in just a few clicks.

How to withdraw PF online using UAN (Step-by-Step)

With an active UAN and KYC in place, your PF withdrawal is just a few clicks away.

Here’s how to do it via the EPFO Member e-SEWA portal:

  1. Log in at EPFO Member Portal using your UAN, password, and captcha.
  2. Navigate to ‘Online Services’ → click ‘Claim (Form-31, 19, 10C & 10D)’.
  3. Verify your bank details linked to your UAN.
  4. Tick the declaration and click ‘Proceed for Online Claim’.
  5. From the dropdown, select the type of claim—Full PF settlement, PF Advance, or Pension Withdrawal.
  6. Enter the reason, amount, and your current address.
  7. Submit the form and authenticate with the OTP sent to your Aadhaar-linked mobile number.

That’s it! Your claim is submitted. You can track its status anytime under ‘Track Claim Status’ on the portal.

If you are planning to reinvest your withdrawn PF amount to get better interest than a savings account, do consider Bajaj Finance Fixed Deposit! Enjoy interest rates of up to 8.60% p.a. with zero market risk. Book Your FD Now.

Don’t have a UAN? Here’s how to withdraw PF offline

No UAN? No worries—you can still access your EPF.

Here’s what you need to do:

  1. Download the Composite Claim Form (Aadhaar or Non-Aadhaar) from the EPFO website.
  2. Fill it out with your employment, personal, and bank details.
  3. Find your EPFO regional office using your alphanumeric PF number (check your salary slip).
  4. Get your identity verified by a gazetted officer, magistrate, or bank manager (for Non-Aadhaar forms).
  5. Submit the form at the EPFO office. Once verified, your PF amount will be credited to your account.

Note: This process takes longer and involves manual verification—ideal only if you’re unable to activate your UAN.

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New EPF withdrawal rules 2025

EPFO has made some changes this year to make withdrawing your PF easier and faster. Here’s what’s new:

  1. Higher withdrawal limit
    You can now withdraw up to 75% of your PF balance during emergencies like medical needs, job loss, or natural disasters.
    A bigger cushion when you need support the most.

  2. Faster claim processing
    The claim settlement time has been reduced to 3 working days.
    That means less waiting and quicker access to your money.

  3. ATM-style withdrawal pilot
    In select cities, you can now withdraw PF using kiosk machines, just like an ATM—via Aadhaar and OTP.
    No forms, no queues.

  4. Automatic approval for small claims
    If your claim is under Rs. 50,000 and your KYC is complete, it’ll be auto-approved—no employer sign-off needed.

  5. DigiLocker integration
    Your PF balance, claim status, and history will now show up in your DigiLocker account.
    Track everything in one place, without logging into multiple portals.

Not using your withdrawn PF right away? Let it grow instead of sitting idle.
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When can you withdraw EPF?

Many people believe you can only withdraw EPF at retirement—but that’s just one of the options.

Here’s when you can withdraw your PF:

  • After 2+ months of unemployment – Full withdrawal is allowed.
  • On retirement – You can withdraw the full amount.
  • When changing jobs – Just wait until your UAN is linked to your new employer.
  • For personal needs – Partial withdrawals are allowed for things like marriage, education, home loan repayment, or medical needs.

Here’s when you can’t withdraw:

  • You can’t withdraw your employer’s contribution in full if you’ve worked less than 10 continuous years (in some cases).
  • You can’t fully withdraw while you’re still employed—unless it’s a special situation.

Good to know: You do not need to wait till 58. Your EPF is there for you during life’s key moments—without penalties, if rules are followed.

Tax on EPF Withdrawal

EPF withdrawals are tax-free, right? Yes—but only if you know the rules. Let’s break it down by when and why taxes apply:

No Tax if:

  • You have completed 5 years of continuous service
  • EPF is withdrawn after retirement
  • =You’re withdrawing due to illness, company closure, or beyond your control

Even if you have switched jobs but transferred your PF each time, it still counts as continuous service.

Tax Applies if:

1. You withdraw before 5 years of service

  • The entire amount (your + employer’s share + interest) is taxable
  • TDS @ 10% is deducted if withdrawal exceeds Rs. 50,000
  • (If you don’t provide PAN, TDS jumps to 30%)

2. You don’t submit Form 15G / 15H

  • Even if your income is below the taxable limit, TDS will be deducted unless you file these forms

This income is added to your annual taxable income—it could affect your final tax slab.

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Documents Required for EPF Withdrawal

Switching jobs, retiring, or planning a major expense?
To avoid delays or rejection, make sure these documents are in place before applying for your PF withdrawal:

Keep these handy

  • UAN – Should be active and KYC-linked
  • Aadhaar card – For ID verification and OTP
  • PAN card – Mandatory for withdrawals above Rs. 50,000
  • Bank account details – Must match what’s in your EPF records
  • Cancelled cheque – With your name printed (if updating bank details)
  • Form 31/19/10C – Auto-filled during the online process
  • Exit date – Your employer must update this on the EPFO portal

Pro Tip: Ensure your KYC is verified under your UAN. It cuts down approval time and avoids back-and-forth.

Got your documents sorted?

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EPF Withdrawal Rules After Resignation

Just left your job or planning a switch?

Here’s what happens to your EPF when you resign:

1. 2-month waiting period (mostly)
You can apply for full EPF withdrawal after 2 months of unemployment—unless you're retiring, moving abroad, or facing specific medical/emergency conditions.
Planning a job break? Use this window to rethink your finances.

2. No waiting if you join a new job with EPF
If you switch to a new employer who offers EPF, your balance must be transferred, not withdrawn.
It’s not just safer—it keeps your savings compounding.

3. Tax implications still apply
Withdrawing PF before 5 years of service may attract TDS and income tax, unless exemptions apply.
Pro tip: Avoid tax outgo by transferring instead of withdrawing early.

4. UAN & KYC must be updated
Your Universal Account Number (UAN) must be active and KYC-complete for seamless withdrawal.
A small update now saves big delays later.

Taking a career pause?

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  • Invest in a Bajaj Finance Fixed Deposit and grow your funds steadily while you plan your next steps.
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Process to enter exit date for PF withdrawal

Did you know? Now, employees can directly update their exit date for PF withdrawal via the EPFO Unified Member Portal! This new feature streamlines the process and eliminates the need for employer involvement.

Here's how you can easily enter your exit date:

  1. Log in to the UAN portal: Use your Unified Account Number (UAN) and password to access your account.
  2. Go to the 'Manage' tab: Select the 'Mark Exit' option from the dropdown menu.
  3. Choose your employer: From the list, select the relevant employer.
  4. Enter key details: Provide your date of birth, joining date, and exit date. Ensure the exit date matches the one mentioned in your resignation or departure letter.
  5. Verify the exit date: Head to the 'Service History' section under the 'View' tab to confirm your details.

Pro tip: If you're unsure about your exit date, double-check your resignation letter to ensure smooth withdrawal processing!

How to check PF withdrawal status?

Wondering where your PF withdrawal stands? Here’s how you can track the status of your claim in just a few simple steps:

  • Log in to the UAN portal using your credentials
  • Go to ‘Online Services’ > ‘Track Claim Status’
  • Enter your reference number (you’ll get this when you apply)
  • View your real-time claim status instantly

If need to see your claim status on the go, you can use the EPFO's mobile app for easy access!

Which forms are used for EPF withdrawal?

Here's a breakdown of the most commonly used forms:

  1. EPF Form 31
    Used for advance withdrawals or withdrawals for specific purposes. Think of it as the 'Advance Form'.

  2. EPF Form 19
    Need a final settlement or pension benefits? Form 19 helps you claim them! No UAN? You can still submit this form using just your PF account number.

  3. Form 10C
    Looking to withdraw your pension amount? Use Form 10C if you’ve switched jobs after 6 months of service but before completing 10 years of service.

Quick Tip: Keep track of your service duration to ensure you use the correct form for a smooth withdrawal process.

How to apply for a Home Loan Based on EPF accumulation

Looking to buy a home using your EPF balance? Here’s how you can use your EPF accumulation to get a home loan:

You can apply for a home loan up to 36 months of your EPF contributions. The process is simple if you've completed 5 years of continuous service.

Steps to apply via the UAN Member Portal:

  1. Log in to the UAN portal: Access it via UAN Member e-Sewa.
  2. Navigate to ‘Online Services’: Select ‘Claim (Form-31, 19 & 10C)’.
  3. Enter your details: Add your registered bank account number and verify it.
  4. Proceed with the online claim: Select the ‘PF Advance (Form 31)’ option and input the loan amount.
  5. Upload required documents: Complete the form and submit your application.
  6. Approval & disbursement: Once approved, the loan amount is sent directly to the housing society.

Bonus Tip: Need a safe and predictable investment? Consider opening a Fixed Deposit while you plan for your new home! Open FD Account with Bajaj Finance now and get interest of up to 8.60% p.a.

PF Customer Care Numbers

Got questions about your PF account? Here’s where to reach out:

  1. Toll-free PF number: Call 14470 for any assistance
  2. Missed call for EPF details: Dial 9966044425 to get EPF information
  3. Check PF balance via SMS: Send “EPFOHO UAN” to 7738299899
  4. PF-related email support: For more info, email employeefeedback@epfindia.gov.in

For urgent issues, use the toll-free number for instant help!

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Frequently asked questions

Is it better to withdraw my PF after my resignation or invest it somewhere else?

If you don’t need the funds right away, withdrawing your PF right after your resignation might not be ideal. You could lose out on long-term compounding and may even attract taxes.

Instead, think about locking that amount in a safe investment. A Bajaj Finance Fixed Deposit offers predictable growth with up to 8.60% p.a. returns—perfect for a career break or future goals.

Open FD Account in minutes—100% online.

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.

Suppose your claim is rejected due to no contribution towards EPF. There is only EPF transfer money showing up in the EPF passbook. How can you withdraw the EPF Amount?

A common cause for claim rejection is the employer's failure to make EPF contributions for 2-3 months. While there may not be much you can do in such cases, ensuring that your employer consistently contributes to your EPF can prevent future issues.

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.

Can I withdraw 100% of my PF amount?

Yes, you can withdraw 100% of your Provident Fund (PF) balance upon retirement at age 58 or after two months of continuous unemployment. Premature withdrawals are permitted under specific conditions, such as medical emergencies or purchasing a home, but may be subject to taxes and penalties.

You can withdraw your entire PF balance if you've been unemployed for at least two months or if your new job starts more than two months after your last day at your previous company.

How can I claim my PF withdrawal online?

To claim your PF online, ensure your Universal Account Number (UAN) is activated and linked with your Aadhaar, PAN, and bank details. Log in to the EPFO member portal, navigate to 'Online Services,' select 'Claim (Form-31, 19 & 10C),' verify your bank account, and submit your claim.

Can we withdraw PF money while working?

Yes, you can withdraw a portion of your Provident Fund (PF) money while still employed, but only under specific conditions. Situations like medical emergencies, higher education, marriage, or home loans qualify for partial withdrawals. Each condition has predefined limits and documentation requirements, ensuring funds are used responsibly while retaining the corpus for retirement.

How can I claim full PF settlement?

To claim full PF settlement, you must either retire, resign, or remain unemployed for more than two months. Log into the EPFO portal using your Universal Account Number (UAN). Submit a claim under the "Form 19" section, ensuring your KYC details are updated and bank details are verified. Once processed, the funds will be directly credited to your account.

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