Steps to Apply for Withdrawal of PF Online

Need to withdraw your PF online? The process is quick and hassle-free with just a few simple steps. Whether for any emergency or retirement, knowing how to apply online ensures a smooth experience.  

Read on to learn the step-by-step process to withdraw your PF easily from the comfort of your home. 

What is Required for PF Withdrawal Online? 

To withdraw your PF online, you need an active UAN (Universal Account Number) linked to your Aadhaar, PAN and bank account. Your mobile number registered with Aadhaar must be active for OTP verification. Ensure your KYC details are updated on the EPFO portal. You should also have an eligible reason for withdrawal, such as retirement, medical emergency or unemployment.  

Once these requirements are met, you can easily apply for withdrawal through the EPFO member portal. 

Apply for PF Withdrawal Online 

Following these steps, you can raise a claim for PF withdrawal online: 

EPFO 3.0: ATM Withdrawals in 2025 

If EPFO introduces ATM withdrawals under EPFO 3.0 in 2025, the process might be similar to a standard ATM cash withdrawal. While official details are awaited, the expected steps could be: 

• Visit an ATM – Go to a participating ATM that supports EPFO withdrawals 
• Insert Your Card – Use an EPFO-linked card (if introduced) or enter relevant credentials 
• Select Withdrawal Option – Choose the ‘PF Withdrawal’ option from the menu. 
• Enter Details – Provide your UAN (Universal Account Number) and authenticate using OTP or PIN 
• Choose Amount – Enter the amount you wish to withdraw within the limit set by EPFO 
• Confirm & Withdraw – Complete authentication, and the cash will be dispensed 

Once EPFO releases official guidelines, these steps may be confirmed or adjusted 

On the EPFO Portal 

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Log in with your UAN (Universal Account Number), password and captcha code Step 3: Verify your KYC under the ‘Manage’ tab 

Step 4: Once verified, select the ‘Claim (Form-19, 31, 10C and 10D)’ option under the ‘Online Services’ tab 

Step 5: On the new web page, enter your bank account number and click on ‘Verify’ 

Step 6: Choose the ‘Yes’ option after this step 

Step 7: Select the ‘Proceed for Online Claim’ tab 

Step 8: Choose ‘PF Advance (Form 31)’ under the ‘I Want to Apply For’ option for partial withdrawal 

Step 9: Select the reason for making the claim from the ‘Purpose for Which Advance is Required’ drop-down menu 

Step 10: Enter the advance amount, scanned documents and the employer’s address 

Step 11: Submit the application 

On the Unified Mobile APP for New Governance (UMANG) 

Step 1: Log in to the UMANG app 

Step 2: Search EPFO 

Step 3: Select the ‘Employee Centric’ tab 

Step 4: Choose the ‘Raise Claim’ option 

Step 5: Enter your UAN 

Step 6: Verify OTP 

Step 7: Select the withdrawal type and submit a claim 

For a Deceased Person  

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Select the ‘Death Claim Filing by Beneficiary’ option 

Step 3: Enter UAN, name, Aadhaar and date of birth of the beneficiary along with the captcha code 

Step 4: Click on the ‘Get Authorised Pin’ 

Step 5: Enter the OTP received on the beneficiary’s mobile number to file the claim.  

Here’s how you can withdraw the provident fund offline: 

• Fill out a withdrawal form 
• Submit the necessary supporting documents to the regional EPFO commissioner  
• Collect the cheque or wait for funds to be disbursed to the registered bank account 

Criteria for Partial PF Withdrawal 

Here are a few circumstances that allow partial PF withdrawals: 

• Unemployment: You can withdraw up to 75% from your PF account if you are unemployed for 2 months.  
• Education: You can claim a 50% PF advance withdrawal limit to pay your children’s education expenses after they complete the 10th standard. This is applicable if you have contributed at least 7 years to the PF account. 
• Wedding Costs: After 7 years of contribution towards the EPF account, you can withdraw 50% of the funds to cover the family wedding expenses.  
• Medical Emergency: You can withdraw six times your monthly basic salary or the total employee contribution along with interest to manage your medical costs. 
• Purchase Land/ House or Renovate Your Home: Premature withdrawal is allowed after 5 years for buying or renovating your home.  

Also Read: EPF interest rate 2024 

Complete PF Withdrawal  

It allows employees to withdraw their entire provident fund balance under specific conditions. You can apply for full withdrawal if you have retired, been unemployed for over two months or meet other EPFO-approved criteria. To withdraw online, ensure your UAN is active, Aadhaar, PAN and bank details are linked and KYC is updated. Log in to the EPFO member portal, select Claim (Form 19) for final settlement and authenticate via OTP. After submission, EPFO processes the request and the amount is credited to your bank account. While full withdrawal is possible, maintaining a PF balance helps secure long-term financial stability. 

Latest PF Withdrawal Rules 

The following criteria apply in the case of Employee provident funds: 

• PF withdrawal is not allowed until you are employed 
• Employees after 55 years of age can make withdrawals after retirement, with 90% of withdrawals allowed 1 year before retirement 
• You can only claim up to 75% of the PF advance withdrawal limit after 2 months of unemployment and the remaining amount after 2 months 
• If you make a withdrawal above ₹50,000 within 5 years of opening the EPF account, it will attract 10% TDS with PAN and 30% without a PAN card 

For the public provident fund, these are the rules: 

• Partial withdrawals are only allowed from the seventh year onwards 
• Subscribers can only make one withdrawal in a year 
• Only up to 50% of the total balance may be withdrawn, subject to certain stipulations 

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Taxes on PF Withdrawal in India 

The amount that you contribute towards your PF is not taxable. However, the interest on your PF is taxable because of the following reasons: 

• It is considered ‘Income from other sources’ 
• The employer’s contribution towards your PF is also taxable since it falls under the ‘Salary’ head.  

The PF amount is tax-free on withdrawal if you withdraw it after 5 years of continuous service. If you wish to withdraw more than ₹50,000 before 5 years, the amount will attract: 

• A TDS of 10% with PAN 
• A TDS of 30% without PAN 

How to Check PF Withdrawal Status?  

Follow these steps to check the withdrawal status: 

Step 1: Visit the official portal of EPFO and log in 

Step 2: Click on the ‘Our Services’ tab and from the drop-down menu and select the ‘For Employees’ tab 

Step 3: Click on the ‘Know Your Claim Status’ option 

Step 4: Enter your UAN and the Captcha code 

Step 5: Enter the required details like the state of the PF office, establishment code, respective PF office and PF number 

Step 6: Click on ‘Submit’ to check the withdrawal status of your PF 

Keeping all these factors in mind can help you decide the right time to withdraw the amount. While this may seem like a good idea, remember that it takes away from your final corpus. As such, you can opt for alternatives like an Instant Personal Loan from Fibe.  

Get a loan of up to ₹5 lacs in just 2 minutes at budget-friendly interest rates. We also have easy-to-meet eligibility criteria and offer quick disbursals. To get started, download our Personal Loan App or go to our website and start your application process today.  

FAQs on How to Withdraw PF 

When can I withdraw my PF?  

Here’s when you can withdraw the PF: 

• Full amount at maturity or retirement 
• Partial withdrawals in certain circumstances 

How to claim the PF amount?  

You can withdraw your PF amount online or offline. To claim the amount online, you can opt for these ways: 

• Withdrawal via the Employees’ Provident Fund Organisation (EPFO) Portal 
• Withdrawal through the Unified Mobile APP for New Governance (UMANG)  

How many days does it take to withdraw PF advance?  

The PF withdrawal processing time is 20 working days once your claim is settled.