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Here is a Step-by-step Guide to Withdraw Your Provident Fund (PF)

·3-min read

Any employee can claim for the withdrawal of his/her provident fund if he/she is unemployed or when he/she retires from the service after attaining 58 years of age. According to the current EPF rule, if the employee quits his job before the retirement age he can withdraw the full PF balance if he remains unemployed for 60 days or more. This is to note that the total EPF balance includes both the contribution of the employee and the employer along with the interest.

The members willing to withdraw the PF amount can make a claim by filling the EPF withdrawal form online. However, they need to note that the online withdrawal claim facility can only be used if their Aadhaar is linked with the Universal Account Number (UAN).

The withdrawal of the employees' provident fund can be made either by submission of a physical application for withdrawal or by submission of an online application. We will be discussing how to withdraw the PF online here:

Step 1: You will have to visit the UAN portal by clicking on the link- and login using UAN and password and enter the captcha.

Step 2: After that, you will have to click on the tab ‘Manage’ and select KYC to check if your KYC details such as Aadhaar, PAN and the bank details are correct and verified or not.

Step 3: After that, you need to go to the tab reading ‘Online Services’ and from the drop-down menu select the option ‘Claim (Form-31, 19 & 10C)’.

Step 4: As you will click on the Claim option the screen will display the member details, KYC details and other service details. You will have to enter the last four digits of your bank account and then click on ‘Verify’.

Step 5: You will next have to click on ‘Yes’ to sign the certificate of the undertaking and then proceed.

Step 6: And then click on ‘Proceed for Online claim’.

Step 7: You will have to select the claim you require in the claim form that is full EPF settlement, EPF part withdrawal (loan/advance) or pension withdrawal, under the tab ‘I Want To Apply For’.

Step 8: After this, you will have to select ‘PF Advance (Form 31)’ to withdraw your fund and then provide the details like the purpose of such advance, the amount required and the employee’s address.

Step 9: You will then have to click on the certificate and submit your application. You can also be asked to submit scanned documents for the purpose you have filled the form.

Step 10: The withdrawal request will then have to be approved by the employer and after the approval only you will receive money in your bank account.

However, before applying for the online withdrawal of the PF you need to make sure that you have the following points done:

1. You need to make sure that your UAN is activated and the mobile number is active.

2. The UAN is linked with your KYC.

3. Your previous PF accounts should be merged into one.