How to Withdraw PF Amount? A Step-by-Step Guide for PF Subscribers

Employees cannot withdraw the EPF amount until they have retired. However, in special cases this rule does not apply and the amount can be withdrawn. Let’s see how and when EPF withdrawal can be done, including the importance of the Universal Account Number (UAN).

Withdrawing PF? Doing This Will Help You Avoid TDS

PF or Provident Fund is a retirement corpus for employees. In other words, employees who have contributed towards PF during the course of their employment get funds after retirement. Not only that, employees can withdraw PF funds even before retirement.

But what if PF is to be withdrawn within 5 years of account opening? While it’s allowed, one would have to note that TDS (Tax Deducted at Source) is applicable. As per the rule, a 10% TDS is levied if the EPF account is linked to PAN, 20% if it’s not. However, it’s important to note that TDS isn’t levied if the withdrawn sum is below INR 50,00. That said, TDS is applicable if the amount withdrawn by the account holder — who earns INR 2.5 lakh as annual income — exceeds INR 50,000.

To avoid TDS if the PF sum is above INR 50,000 and annual income is below INR 2.5 lakh, the subscriber will have to furnish either Form 15G or Form 15H; the former for those aged below 60 years and the latter for senior citizens.

When you received your first salary slip, you must have seen a deduction bracketed for PF. That deduction is your contribution to the Employee Provident Fund or EPF.

EPF is a compulsory scheme instituted in all companies, wherein employees must give a portion of their salary to their retirement fund. The employer also contributes the same amount to the fund, allowing the employees to lead an independent life once they stop working. The amount accrued in the EPF earns an annual interest and serves as a corpus during retirement.

As it is a mandatory scheme, employees cannot withdraw the EPF amount until they have retired. However, as we all come across milestone events that compel us to rely on our savings, there are some cases when this rule to EPF withdrawal is not applicable.

Today, we will discuss when and how EPF withdrawal can be done to meet any urgent needs. but before that, we must understand the Universal Account Number or UAN.

According to the Provident Fund Act, an employee in their lifetime will have only one PF account maintained by the Employees’ Provident Fund Organisation (EPFO), which will be operational even as they switch jobs. This account is called the UAN. It is connected to the employee’s PF account within an organisation, giving them the freedom to change companies without having to do an EPF transfer between them.

New EPF Withdrawal Rules 2022

  • Like a savings account, funds from your EPF profile cannot be withdrawn while employed. The EPF happens to be a lengthy retirement funds plan. Only after retiring may the funds be retrieved.
  • Partial withdrawals from EPF funds are permissible in the event of a crisis, including a medical crisis, the acquisition or building of a home, or the pursuit of higher learning. Partial removal is subject to restrictions based on the cause. The account owner can seek a partial transfer online.
  • Even though the EPF capital may only be taken after retiring, retirement plans are not recognized until the individual reaches a certain age which is fifty-five. EPFO enables a drawdown of 90 percentage points of the EPF capital one year before retiring if the individual is at least fifty-four years old.
  • In case an individual becomes unemployed owing to a deadbolt or layoff, the EPF capital might be retrieved.
  • To collect the EPF payment, the EPF member must declare bankruptcy.
  • According to the new regulation, EPFO authorizes withdrawals of 75percentage points of your EPF capital after one month of being unemployed. After finding new work, the leftover 25percent of total capital can be switched to a different EPF profile.
  • According to the former regulation, after two months of being unemployed, you can withdraw your whole EPF balance.
  • Tax exemption upon EPF fund is only available if a worker contributes to their EPF profile for 5 consecutive years. In case there is a gap in contributions to the portfolio for 5 consecutive years, the worker’s EPF balance is taxed. In that instance, the whole EPF balance will be deemed tax liability for the fiscal year.
  • When an EPF corpus is withdrawn prematurely, taxes are withheld at the origin. TDS isn’t applied if the total amount is below Rs fifty thousand. The relevant TDS amount is 10percentage points if a worker supplies PAN along with the request. Alternatively, it will be 30% + taxes. File 15H/15G is a statement document that declares that a user’s whole earnings are not chargeable and that the TDS can thus be avoided.
  • Employees no longer have to keep waiting for clearance from their boss to receive their EPF funds. It is possible to do it immediately through the EPFO if the individual’s Aadhaar and UAN are connected and the company has permitted it. The status of an EPF transfer may be verified online.

Tax-Free Limit for PF Withdrawals

In case a person can delay removing cash from their funds for 5 constant years subsequent transactions will not be subject to TDS. TDS isn’t charged if the transaction sum is below Rs 50,000.

Types of PF Withdrawals

Participants who have joined EPFO and linked the Aadhar card data with the UAN are eligible for 3 kinds of PF redemptions:

  • PF Final Agreement – Release when one reaches the age of retirement and then when their job is terminated.
  • PF Partially Withdrawn – A transfer made in the event of a catastrophe.
  • Withdrawal of pension benefits.

EPF Withdrawals — All you Need to Know

The following are the major changes to the EPF withdrawing rules:

  • Only after the threshold of 54, you can receive 90% of your EPF amount.
  • After quitting the organization, an individual can receive 75% of his pension scheme amount if he is jobless for one month, as well as the remainder 25% just after 2nd month.

When can you initiate EPF withdrawal?

When you are not drawing a salary, it makes no sense to maintain an EPF fund. Hence, you are entitled to the full EPF amount when:

  1. You have retired from the workforce
  2. You are not employed for 2 months or more

There are, however, other scenarios too in which you can make a partial EPF withdrawal from your hard-earned savings. These include:

  1. Marriage – If you have been in service for 7 years, you can withdraw up to half of the employee’s quota of EPF fund for yours or your children’s or your sibling’s marriage.
  2. Education – If you have been in service for 7 years, you can withdraw up to half of the employee’s quota of EPF fund for your education.
  3. Land purchase – If you have been in service for 5 years, you can withdraw up to 2 years of your monthly pay along with the Dearness Allowance to purchase land in your or your spouse’s name or jointly.
  4. House purchase or construction – If you have been in service for 5 years, you are free to withdraw up to 3 years of your monthly pay along with the Dearness Allowance for the purchasing or constructing of a house in your or your spouse’s name or jointly.
  5. Home loan – If you have been in service for 10 years, you can withdraw up to 90% of the entire EPF balance (employer and employee contributions included) for a home loan, provided there is, at least, Rs. 20,000 in the fund inclusive of interest. Further, the property must be in your or your spouse’s name or jointly in both your names and you should be able to produce any documents that the EPFO requests.
  6. House renovation – If you have been in service for 5 years, you can withdraw up to 1 year of your monthly pay for renovating your house, provided it’s in your or your spouse’s name or jointly owned by both.
  7. Early Retirement – Once you reach 57 years of age, you can opt for early retirement and withdraw up to 90% of the balance including the interest.

Documents required for PF withdrawal

The documents required to withdraw money from your PF account are listed below:

  • Form 19
  • Form 10C and Form 10D
  • Form 31
  • Bank account statement
  • Identity proof
  • Address proof
  • A blank and cancelled cheque with IFSC code and account number. Also, you should ensure that the cheque provided by you is a single account holder cheque.
  • Two revenue stamps

What is EPF withdrawal form/composite claim form

The Composite Claim Form (CCF) can be of use if you want to withdraw your PF money partially or completely. It can also be used to withdraw money from your EPS account. There are two types of CCF based on whether you have an Aadhaar number or not. They are — Composite Claim Form ( Aadhaar) and Composite Claim Form (Non- Aadhaar).

If you have submitted Form-11 to your employer, you can elect to fill in the Composite Claim Form (Aadhaar) form. By submitting the Form 11, your bank details and Aadhaar number are already linked with your UAN and its activated. 

The form along with a cancelled cheque can be submitted at the EPFO office. Attestation of the claim form from the employer is not required for the submission. The payment will be credited to your UAN linked bank account.

What is the process for EPF withdrawal?

To able to draw money from your EPF fund, you can do one of the following:

  1. Submit a physical application for EPF withdrawal
  2. Follow the EPF withdrawal online procedure

EPF withdrawal with a physical application

You can get the form from the EPF portal and print out and fill the physical application.

withdraw PF amount

The composite claim form with your Aadhar details does not need your employer’s attestation, but the Non-Aadhar form will need it. Once you have filled the form, you need to find your jurisdictional EPFO office and submit it there.

EPF withdrawal online

Step 1) To initiate EPF withdrawal online, you first need to activate your UAN at the UAN member portal.

withdraw PF amount

Step 2) Then, input your UAN, your password and the Captcha to sign in.

withdraw PF amount

Step 3) Once you have logged in, check if your KYC details are updated in the Manage tab.

withdraw PF amount

Step 4) Fill all the relevant details, then save, and make sure they are verified.

withdraw PF amount

Step 5) On the navigation menu, from the ‘Online Services’ dropdown, select the ‘Claim’ option.

withdraw PF amount

Step 6) On the Claim form, you will be asked to verify the last four numerals of your bank account number.

withdraw PF amount

Step 7) Once you have verified the account details, you will get the following confirmation message:

withdraw PF amount

Step 8) Select Yes, and hit the ‘Proceed for Online Claim’ button.

Step 9) In the form, only those options that are applicable to you will show. From the “I want to apply” tab, select the claim you need – full EPF settlement/pension withdrawal/EPF part withdrawal, etc.

Step 10) Select PF Advance (Form 31) and provide the details of the amount you need, the reason to withdraw, etc.

Step 11) Click on the certificate to submit your application.

Once you have submitted the application, the EPFO may reach out to you for further documents or scanned copies. Then, the employer must authorise the request for the EPF amount to be credited in your account. The entire process, including verification and approvals, can take up to 20 days.

Online services failure causes

Here are some important reasons why online EPF withdrawal services fail.

  1. If the bank account you wish the pf amount to be credited is different from the bank account registered with the EPFO, you will need to link your present bank account through your employer before attempting the EPF withdrawal procedure online.
  2. Your UAN portal and registered Aadhar mobile number should be the same and in service as you will receive the authentication number on that number only. If the number is no longer in service, change your mobile number on the Aadhar database first.
  3. Ensure your EPFO database or the UAN member portal contains the exact same details as the Aadhar database. If not you will have to do the EPF process of withdrawal in the offline mode.

Benefits of EPF withdrawal online

Withdrawing EPF via an offline process can be a tiresome and time-consuming task. Long queues and employer visitations can make the process even worse. Withdrawing EPF via an online process is more beneficial than the offline process. Here are some of the major advantages of withdrawing EPF online:

  • Seamless processing
  • Saves time visiting the EPFO office
  • Minimal processing time
  • No need for previous employer verification

Taxation on EPF withdrawal

The money withdrawn from EPF accounts can be exempt from tax under certain conditions. They are:

  • Contribution period must be over 5 years
  • There should be no break in the 5 years. 
  • Tax deducted at source (TDS) is deducted on the premature withdrawal only if the amount exceeds Rs. 50,000. 
  • TDS deduction will be 30% plus tax if the employee hasn’t updated his/her PAN card. It is 10% otherwise. 
  •  If their total income is not taxable, the employee should submit the Form 15H/15G as a declaration
  • If the PF fund is transferred to NPS, he /she won’t be liable to pay tax on withdrawal 
  • The liable tax depends on the employee’s salary in the withdrawal year.
  • Employees who have claimed tax exemptions on EPF for Section 80C are not eligible for tax exemptions. They should pay tax on employee’s contribution, employer’s contribution and interest on each deposit.

EPF withdrawal – FAQs

  1. Whether the employee is required to be registered on Member Portal to file the Online Transfer Claim online? 
    Yes, employees should register on the Member Portal to file the Transfer Claim online.
  2. What are the prerequisite conditions to file the Transfer Claim online?
    (a) Member IDs (Both previous and present)
    (b) The employer should have registered the digital signature certificate of his authorized signatories.
  3. Can I withdraw PF amount without PAN?
    Yes, but in such cases the amount is subject to TDS deduction of 30% .
  4. Is there any enquiry number for EPF withdrawal?
    Reach out to EPFO experts on their Toll Free Customer Care Number- 1800 118 005.
  5. Can I withdraw money from EPF for the same reason more than once?
    You can withdraw EPF amount for a similar reason for maximum 3 times.

Latest news related EPF withdrawal

EPF Contributions To Be Deducted at 24% from August 1, 2020

August 01, 2020: Monthly EPF contribution brought down to 20% for May, June and July 2020 will now go back to its erstwhile figure of 24% starting August 1, 2020. The contribution — split equally at the rate of 10% between the employer and employee — was introduced to ease the financial burden caused by the pandemic on both the employers and employees. According to the labour ministry, the move — meant to increase employees’ take-home pay and help employers save money — was to benefit 4.3 crore employees/EPF members employed 6.5 lakh establishments. The ministry’s FAQ also stated that the employer will also have to pay 4% as a part of the employees salary if EPF contribution is as part of the CTC. For those who have opted for VPF, unless it is stopped, the VPF deduction and higher EPF will be deducted from the salary starting August 2020.

June 15, 2020: Employees Provident Fund Organisation (EPFO) has replaced the existing system of geographical jurisdiction of claim processing with multi-location claim settlement facility. The labour ministry in its statement said that EPFO offices can now settle claims from any of the regional offices irrespective of the location. This move allows offices with lesser workload to share the burden of other offices which have recorded a high number of pending claims and settlements brought on by the Covid-19 advance. This initiative processes online claims such as PF, pension, transfers, and partial withdrawals.

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  1. comment-author

    I am really inspired along with your writing skills and also with the format to your blog. Is this a paid subject or did you modify it your self? Anyway stay up the excellent high quality writing, it is rare to see a nice blog like this one nowadays.

  2. comment-author

    Hi Subin, nice job,thanks!
    Pl help me with the following.
    My situation:
    My UAN seems yet to be ACTIVATED. This I learnt while trying to reset my password on the member sewa portal of EPFO.
    I don’t remember the mobile number I’d linked my EPFO account with.
    I’m currently out of work for more than 2 months now.
    I do remember having given my previous employer my Adhaar dtls.
    Bank details being the same as for my salary credits.
    Is there a way to withdraw my PF amount online or I’ll have to go through the rigmarole of taking a trip to my previous employer’s office located in a different city and then perhaps having to submit my application at an EPFO office?

    1. comment-author
      Rishabh Ranjan

      Hi Prayag,

      You need to activate your UAN in order to claim your PF dues online. As for the mobile number, please follow the instructions below:

      To change your mobile number, you can visit this page, enter the UAN, Captcha, and click on Forgot Password and follow the instructions. Here’s a detailed blog on how you can change your mobile number.

  3. comment-author
    Deepti Kanchan

    any way of withdrawing PF amount without Adhar OTP. I have lost my phone number and cannot get the OPT. Residing in US so cannot update the phone number.

    1. comment-author
      Rishabh Ranjan

      Hi Deepti,

      The option to change the mobile number is available and enabled for employees on the UAN portal. However, Aadhaar OTP is must if you wish to claim PF online. You can try through your family members residing in India or can directly submit the physical claim form at the PF office with a cover letter stating that there is an issue with Aadhaar OTP and that you’re unable to fix it as you reside outside the country.

    1. comment-author
      Rishabh Ranjan

      Hi Harshala,

      You can only apply for an online PF claim if KYC details such as Aadhaar, PAN and Bank account details are seeded against employee UAN, and approved. You need to contact your employer for completion of KYC seeding and approval.

  4. comment-author

    Good morning Subin,
    I have a query about my previous pf account which is unfortunately not linked up to the existing pf account number. That means i have nearly 2 pf accounts maintained in my career. There was a transit time of almost 8 years. Now when I look back I got to know whether the erstwhile employee service of 3+ years can be counted to meet the criteria of 10 years minimum service for the eligibility of pension. I do have the ref of previous employee ID and pf details too. Where as a portion of epf was credited to my bank of then itself when i was relieved in 2011 August. Plz suggest.
    Than you

    1. comment-author
      Rishabh Ranjan

      Hello Dr. C. Narasimham,

      You will be eligible for pension by transferring the old pension contributions to your current employer’s PF account.

      But keep in mind that for this to work, you mustn’t have withdrawn pension from the previous employer. Moreover, the total years of service rendered in the current establishment must exceed 7 years.

  5. comment-author

    Hello ..this is jainul

    I tried so much but my Query is not resolved
    I have to draw total pf money 59400 (employee share + employer share) left the company in March (corona) …. salary was 6.5 lacs please suggest me how to withdraw total pf
    …I will be very grateful for your answer

    1. comment-author
      Rishabh Ranjan

      Hi Jainul,

      If you quit the company only then can you submit the online PF claim form. To withdraw the PF and Pension dues, you can log into the PF portal with your UAN and password.

  6. comment-author

    My account says father’s name isn’t updated. I left company more than 18 m back.
    Now pf ofc is asking to send a joint declaration form with my father’s name in it.
    Is there an online or another way without contacting the previous employer hr?

    1. comment-author
      Rishabh Ranjan

      Hi Raj,

      Missing details in EPFO records can be updated only by the employer. I suggest you reach out to your employer to update your father’s name in your PF records.

  7. comment-author

    Hi sir,
    I have apply for my pf withdrawal for more than 2 time within 6 months but its repeatly rejected. I dont know what to do please guide me sir!

  8. comment-author

    For existing home loan repayment I want to withdraw my pf. But I don’t see this option via online form. Only new home loan purchases option is showing. Pls advise

  9. comment-author

    I have applied fr epf but it shows as pf can not be claimed due to some technical issue ,
    Can u please help me out

    1. comment-author
      Rishabh Ranjan

      Hi Tamanna,

      You can retry online as the said issue might be fixed. If the issue still exists, please share the screenshot of the error with us.

  10. comment-author

    I need to withdraw my PF online. KYC(AADHAAR, Bank, PAN) is seeded and approved by employer. When i go to claim form it says ‘Your bank KYC is not digitally signed by employer, cannot proceed’. But on the home page, next to bank account it says ‘Digitally signed’. Not sure what am i missing, please help me to withdraw my PF amount

    1. comment-author
      Rishabh Ranjan

      Hi Sravya,

      This might be due to a technical issue on the portal. You can try to submit the online claim now. If the error persists, you can contact your employer for approval of KYC, if anything is pending on his end.

  11. comment-author
    Kiran K

    Hello Sir,
    I have worked for a total of 8 years (4+4) in 2 different companies, I quit my job in october 2019. My query is, am I able to withdraw my pension contribution, if yes.. please let me know. Thanks

    1. comment-author
      Rishabh Ranjan

      Hi Kiran,

      Yes, since you have less than 10 years of contribution, you can withdraw your pension contribution.

  12. comment-author

    I want to withdraw PF amount. I have joint account in which first name is of my wife and second name is mine. So, can I withdraw amount in the same joint account.

    1. comment-author
      Rishabh Ranjan

      Hi Jayalakshmamma,

      You can submit either the online claim form on the PF portal or the manual claim form (Form 19 and 10C) at the concerned PF office to withdraw the PF and Pension dues.

  13. comment-author

    Hii sir,
    I have completed my ten years of service in the organization and now if I am leaving job and staying at home continuously , can I withdraw my full PF amount up till the month I worked. Please advice.

    1. comment-author
      Rishabh Ranjan

      Hi Panicker,

      Yes, you can withdraw complete PF contributions [both employee and employer (PF)] with interest.

  14. comment-author

    My old pf was not paid full amount i nean second part is pending so how i withdraw or transfer to my new pf account sir company says all given but there it shows pending Balance

    1. comment-author
      Rishabh Ranjan

      “Hi Gurusekhar,

      Keep in mind that the length of time for approval depends on the total number of submissions at the PF office. Considering the current Covid situation, approval might take more than usual

      To get the status of name correction,you can raise an online grievance here.”

  15. comment-author

    My bank a/c is joint with wife. Where I can mention that in online application as they have asked for clatification.
    Do I need to upload copy of cancelled cheque+passbook or only cheque. Pls guide.

  16. comment-author

    Hey Rishabh,

    First of all, thank you for replying to a host of questions in this post.

    I am kind of in a shoddy situation here. My previous employer hadn’t approved my bank details and hence my requests have been rejected…is there any workaround. ?

    Its been more than a year since I left my job and I am really not in connection with any colleagues or dept.

    1. comment-author
      Rishabh Ranjan

      Hi Dave,

      You need to contact the PF office. Alternatively, you can also raise an online grievance.or submit the manual claim form in order to withdraw the PF dues.

  17. comment-author
    Appasaheb B

    Sir I am private employee. I have complete 11.5 year (4+6+1.5) private company. So what pensions scheme is available after 58 or 60 year.

    1. comment-author
      Rishabh Ranjan

      Hi Appasaheb,

      If you transferred your PF and pension accounts from the old employer to the new employer, then you’re entitled to pension benefits upon attaining 58 years of age.

  18. comment-author

    I worked for 9 years and nine months. Left job 2 and a half years ago. I want to withdraw all of pension fund(eps). Can I withdraw it

    1. comment-author
      Rishabh Ranjan

      Hi Sona,

      In this case, you can withdraw only your PF portions with interest. Since you completed 9 years 9 months of contribution towards pension, you cannot withdraw the pension. In other words, you can apply for a Scheme Certificate.

    1. comment-author
      Rishabh Ranjan

      Hi Venkatesh,

      Please enquire with your employer or raise an online request. Sometimes, the EPF portal does have server issues. I suggest you keep checking the status of your claim.

  19. comment-author

    I have a question that how much PF amount can be given if I am 35 and I want to retire early and then withdraw 100% PF amount.
    lets suppose I have 11 Lakhs showing in my PF account as on date out of which approx 60% amount shows under Employee and rest under Employer contribution, so how much will i be entitled to out of this total amount if i am withdrawing it by 100%

    1. comment-author
      Rishabh Ranjan

      Hi Nishu,

      You can withdraw 100% of PF i.e., both employee and employer contributions with interest at the time of retirement or at the time of quitting your job.

  20. comment-author

    Sir mera EPS me company ne joining or exist date nhi dala. Or company bagh gi hai unka koi contact no. Bhi nhi hai ji
    Koi solution btao Sir ji please

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