EPF Withdrawal Online

Eligibility for EPF Withdrawal

Full EPF Withdrawal (Final Settlement):

• Unemployed for 2+ months, or
• Reached 58 years (retirement), or
• Retired due to permanent disability, or
• Migrated abroad permanently, or
• Company closure or death

Partial Withdrawal (Advance):

• Purpose-specific (e.g., marriage, education, medical, housing, renovation, natural disasters)
• Needs minimum years of service, typically 5–7 years

Prerequisites

Before online withdrawal via the UAN portal, ensure:

1. UAN activated and linked with Aadhaar
2. KYC completed (bank details, PAN, Aadhaar)
3. Mobile number seeded with UAN
4. Service history & exit date updated in EPFO records

Forms Based on Purpose

• Form 19: For full PF withdrawal
• Form 10C: Pension withdrawal (EPS)
• Form 31: Partial withdrawal (advance)
• Composite Claim Form: Offline alternative covering all above forms

How to Withdraw EPF Online (UAN Portal / UMANG)

Step-by-Step:

1. Log in: [unifiedportal‑mem.epfindia.gov.in] using UAN + password
2. Navigate to “Online Services → Claim (Form 31, 19, 10C & 10D)”
3. Ensure pre‑filled details (bank, Aadhaar, PAN) are correct
4. Choose claim type:
   • Only PF withdrawal (Form 19) for full
   • PF advance (Form 31) for partial
5. Enter reason and correct amount
6. Tick declaration and “Get Aadhaar OTP”, then validate OTP
7. Submit online — no employer attestation needed (for Aadhaar‑linked)

UMANG App:

• Login → EPFO services → Claim → follow same process

Timeline for Processing

• Online claims are typically processed in 7–15 working days
• If Aadhaar-linked, final settlement (Form 19) may complete within 5 days

EPF 3.0 – ATM Withdrawal

• New feature allows PF withdrawal via ATM card swipe
• TDS may apply for early withdrawals

Tax & TDS Implications

• Tax-free if service ≥ 5 years
• If service < 5 years and withdrawal > ₹50,000:
  • TDS @10% if PAN provided
  • TDS @30% if no PAN

Offline Withdrawals

• Composite Claim Form is required
• Submit at EPFO office via employer or directly

Check Claim Status

• Online via UAN portal or UMANG
• SMS service available (e.g., send EPFOHO UAN ENG to EPFO SMS number)

Quick Summary Table

Step	Online	Offline
Log in / Form download	UAN portal / UMANG	Composite Form via EPFO
Form type	Form 19 / 31 / 10C	All-in-one composite
Submit	OTP-based, no employer required	Signed by employer and employee
Verification	Automatic (Aadhaar portal)	Manual at EPFO office
Processing time	5–15 working days	May take weeks
Tax implication	5+ yrs → tax-free; <5 yrs TDS applies	Same

Tips for Smooth Withdrawal

• Complete KYC & Aadhaar seeding before applying
• Choose weekday mornings for faster process
• Monitor status and respond promptly to EPFO queries