How to Withdraw PF Amount Online or Without Employer's Concern

The Employees Provident Fund (EPF) is a mandatory savings scheme established for eligible employees in India, administered by the Employees Provident Fund Organisation (EPFO). This fund offers a fixed interest rate of 8.15 for the financial year 2022-23, which is a slight increase from the previous year’s 8.10 rate for the 2021-22 financial year.

About EPF Contributions

Under the EPF regulations, employees are required to contribute 12% of their basic salary to this fund every month. Employers are also expected to match this contribution and deposit it into the employees' PF accounts. Over time, these funds accrue annual interest, making EPF a valuable tool for long-term savings and retirement planning.

Eligibility for Withdrawal

Employees can withdraw the entire accumulated amount from their EPF accounts upon retirement. Additionally, under certain specific circumstances, employees may be eligible for premature withdrawals from their EPF accounts. Some of these circumstances include:

Death of the employee Total and permanent disability Bankruptcy Payment of premium for a policy on the life of the employee’s immediate family member Education of the employee or immediate family member Repairs to the house owned by the employee Marriage of a son or daughter The construction of a new house Emergent medical conditions Other approved reasons as per the EPFO guidelines

How to Make a Withdrawal Request

There are two main methods for making a withdrawal request: offline and online.

Offline Method

To withdraw your EPF balance, you can download the New Composite Claim Form—a document that requires both your Aadhaar and bank details linked to your UAN (Universal Account Number).

If your Aadhaar and bank details are registered on the UAN portal and your UAN is activated, you can use the Composite Claim Form Aadhaar. Simply submit this form directly to the jurisdictional EPFO office without requiring employer attestation. However, if your Aadhaar and bank details are not linked to the UAN portal, use the Composite Claim Form non-Aadhaar. Obtain your employer's attestation and then submit the completed form along with the employer's attestation to your respective EPFO office.

Online Method

To apply for EPF withdrawal online via the EPF portal, you must first meet the requirements:

Your Universal Account Number (UAN) must be activated. The mobile number used for UAN activation must be in working order. Your UAN must be linked with your KYC (Know Your Customer) details, including Aadhaar, PAN, bank details, and IFSC (Indian Financial System Code).

Here are the steps you need to follow to make an EPF withdrawal on the UAN portal:

Visit the UAN portal. Login using your UAN and password. Enter the captcha and click the Sign In button. Under the Manage tab, click on the KYC option to check the status of your KYC, whether it is verified or not. If your KYC details are verified, go to the Online Services tab and choose Claim Form-31 (19 10C 10D) from the drop-down menu. Enter your bank account number and click on Verify. Sign the certificate of undertaking and tap on Proceed. Tap on Proceed for Online Claim. Under the I Want To Apply For section, select the type of withdrawal: Full EPF settlement, EPF part withdrawal, loan/advance, or pension withdrawal. Choose PF Advance Form 31 to withdraw your funds. Provide the purpose of the advance, the required amount, and your address. Submit your application and await your employer's approval. After approval, you will receive your money in your registered bank account within 15-20 days.

Conclusion

With the right documentation and adherence to the EPFO guidelines, you can easily withdraw EPF amounts either offline or online. Follow these steps to ensure a smooth and timely process.

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