Whether you’re just a few months away from retirement or faced with unexpected financial obligations, you might have thought of making a PF withdrawal. 

The good news is, that you can now do so from the comfort of your home by filling out the PF withdrawal form online. With EPFO’s introduction of the provident fund withdrawal-online facility, you can instantly claim to withdraw your funds without having to wait in queues. 

To understand how it works, just follow this detailed guide on PF withdrawal online process.

Before getting into the PF/ EPF withdrawal online apply process, let’s go through some essential points.

Employee’s Provident Fund (EPF) is a retirement benefits scheme maintained by the EPFO (Employee’s Provident Fund Organization). It also acts as an emergency corpus when met with unforeseen expenses.

What are the documents required for PF/EPFO online withdrawal? 

  1. Aadhar card
  2. PAN (Permanent Account Number) card
  3. UAN (Universal Account Number)
  4. Bank account details

Are there any prerequisites for PF withdrawal procedure?

As a prerequisite, you need to ensure the following two points.

  1. UAN is activated and the mobile number used for its activation is operational.
  2. UAN is linked with your Aadhar, PAN and the IFSC code of your bank account.

If these prerequisites are fulfilled, there will be no need for your previous employer to authenticate your PF/EPFO online withdrawal process.

What are the eligibility criteria for PF withdrawal procedure?

You can make the PF withdrawal in these three cases.

  1. On retirement; on attaining a minimum of 58 years of age.
  2. Unemployment duration of at least two months.
  3. Withdrawal by the nominated person in case of death.

In the second case, individuals need to get an attestation from a gazetted office.

Steps to EPFO withdraw PF: Online

Step 1. Visit the official portal of EPFO.

Step 2. Input your UAN and password in the login section. Enter the captcha and click on sign in. In case you don’t remember your password, you can reset it using the OTP that will be sent to your registered mobile number.

Step 3. Once you’re logged in, select the ‘Manage’ tab at the top of your page. A drop-down appears.

Step 4. Select ‘KYC’ from the list to check whether your KYC details are verified or not.

Step 5. Now, select the ‘Online Services’ tab and click on ‘Claim (Forms 31, 19 &10c)’

Step 6. You will be redirected to a page displaying information such as KYC and other service details. Enter your bank account number that is linked to your UAN. Then click on ‘Verify.’

Step 7. A pop-up with a certificate of undertaking appears. Click on ‘Yes.’ This confirms that your PF amount will be credited to the bank account mentioned.

Step 8. Click on ‘Proceed for Online Claim.’

Step 9. Go to the ‘I Want to Apply For’ section. And as per your requirement, select ‘Full EPF    Settlement’ or ‘EPF Part Withdrawal’ or ‘Pension Withdrawal.’

Step 10. Similarly, select your purpose under the ‘Purpose for Which Advance is Required’ for epf withdrawal online process.

Step 11. Now, input the amount of advance required. 

Step 12. Upload the required documents for approval as the last step to withdraw PF online.

With this, your PF withdrawal form online/ EPFO online withdrawal application is complete. And the amount will be credited to your account within 15 to 20 days from the date of application.

How to make PF money withdrawal or EPFO withdraw PF online using the App?

Using apps is another way to handle your PF while avoiding physically visiting the office. This makes the process even more convenient and accessible. If you want to apply for EPF withdrawal online using an application, download the ‘UMANG’ App. Link it to your Aadhar details and conduct EPF withdrawal online.

‘UMANG (Unified Mobile Application for New-age Governance)’ is a government application that allows its users to access various government public schemes including EPF withdrawal online.

Steps for PF withdrawal online process using UMANG App

Step 1. Go to ‘Search Menu’ and look for EPFO service.

Step 2. Choose ‘Employee Centric’ and click on ‘Raise Claim.’

Step 3. Now, enter your UAN.

Step 4. Enter the OTP sent to your registered mobile number.

Step 5. Choose the type of withdrawal and click on ‘Submit.’

You’ve successfully filled out the PF withdrawal form online through the app.

PF withdrawal-type

You can make a partial PF money withdrawal for the purchase of a house, medical expenses or to fund a wedding. The percentage of the amount limit will be based on your reason for withdrawal. Partial withdrawals have a lock-in period which is also dependent on the withdrawal purpose.

You can apply for PF withdrawal online completely under certain circumstances such as retirement, resignation due to incapacity of health (physical or mental), relocating to other countries permanently, death. 

Parting thoughts

Now you’re fully familiar with PF/ EPF withdrawal online. Consider the above rules and other eligibility criteria while making a claim to EPFO withdraw money online or withdraw PF amount online. You can use these funds to make home loan repayments or even re-invest for the future.

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