PF Withdrawal: How to Withdraw PF Amount?

Need to withdraw your PF online but not sure where to start? You’re not alone. Many salaried employees search for how to withdraw PF amount online when they need quick access to their savings for emergencies, education, medical needs, home renovation or retirement planning. 

Provident Fund (PF) withdrawal has now become much easier with digital services offered by the Employees’ Provident Fund Organisation (EPFO). You can conveniently submit your claim online through the EPFO member portal or the UMANG app without visiting the EPFO office physically. 

Here, you’ll learn how to withdraw PF amount online, the different PF withdrawal methods, eligibility criteria, required documents and the latest PF withdrawal rules in 2026. 

What is Required for PF Withdrawal Online? 

Provident Fund withdrawal can be done online through the EPFO Member e-Sewa portal or the UMANG app after completing a few essential requirements. To start the withdrawal process, you must have an active Universal Account Number (UAN) linked with your Aadhaar, PAN and bank account details. Your Aadhaar-linked mobile number should also remain active for OTP verification during claim submission. 

Additionally, your KYC details must be verified and updated on the EPFO portal. Depending on the type of withdrawal, you should also meet the eligibility conditions specified by EPFO, such as retirement, unemployment, medical emergency or home purchase. Once these details are verified, you can easily submit your PF withdrawal request online from anywhere. 

How to Withdraw PF Online? 

You can withdraw your PF amount online through the EPFO portal, the UMANG app or by filing a claim as a beneficiary in case of the account holder’s death. 

On the EPFO Portal 

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Log in using your UAN, password and captcha code 

Step 3: Verify your KYC details under the ‘Manage’ tab 

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

Step 5: Enter your bank account number and click on ‘Verify’ 

Step 6: Click on ‘Yes’ to proceed further 

Step 7: Select ‘Proceed for Online Claim’ 

Step 8: Choose ‘PF Advance (Form 31)’ for partial withdrawal or the relevant form for final settlement 

Step 9: Select the reason for withdrawal from the drop-down menu 

Step 10: Enter the withdrawal amount and upload required documents, if applicable 

Step 11: Submit the claim request 

On the UMANG App 

Step 1: Download and log in to the UMANG app 

Step 2: Search for EPFO services 

Step 3: Select the ‘Employee Centric Services’ option 

Step 4: Tap on ‘Raise Claim’ 

Step 5: Enter your UAN details 

Step 6: Verify the OTP received on your registered mobile number 

Step 7: Choose the withdrawal type and submit your claim request 

PF Withdrawal for a Deceased Person 

Step 1: Visit the EPFO Member e-Sewa portal 

Step 2: Click on ‘Death Claim Filing by Beneficiary’ 

Step 3: Enter the UAN, Aadhaar details, beneficiary name and date of birth 

Step 4: Click on ‘Get Authorized PIN’ 

Step 5: Verify the OTP received on the registered mobile number and submit the claim 

Documents Required for PF Withdrawal Online 

Here are the documents generally required for PF withdrawal online: 

• Aadhaar card linked with UAN 

• PAN card 

• Bank account details linked with EPFO 

• Cancelled cheque or bank passbook copy 

• Active mobile number linked with Aadhaar 

• Form 15G/15H (if applicable) 

• Employer approval (only in specific cases) 

• Medical certificate (for medical withdrawals, if required) 

• Property-related documents (for home purchase or renovation claims) 

Who Can Withdraw PF? 

The following individuals are eligible for PF withdrawal based on EPFO rules: 

Eligibility Condition	Withdrawal Type	Withdrawal Limit
Retirement after 58 years	Full Withdrawal	100% PF balance
Unemployment for more than 2 months	Full Withdrawal	Up to 100%
Unemployment for 1 month	Partial Withdrawal	Up to 75%
Medical emergency	Partial Withdrawal	As per EPFO rules
Home purchase/construction	Partial Withdrawal	Subject to eligibility
Home renovation	Partial Withdrawal	Subject to eligibility
Higher education	Partial Withdrawal	Up to 50%
Marriage expenses	Partial Withdrawal	Up to 50%
Permanent disability	Full/Partial Withdrawal	As applicable
Nominee/beneficiary after member’s death	Full Withdrawal	Entire PF balance

How to Withdraw PF Offline? 

You can also withdraw your PF amount offline by following these steps: 

• Fill out the appropriate PF withdrawal form 

• Attach all required supporting documents 

• Submit the form to the regional EPFO office 

• Wait for verification and claim processing 

• Receive the amount in your registered bank account or via cheque 

Criteria for Partial PF Withdrawal 

EPFO allows partial PF withdrawals under specific circumstances: 

Unemployment 

You can withdraw up to 75% of your PF balance if you remain unemployed for one month or more. 

Education 

You can withdraw up to 50% of your PF contribution for your child’s higher education after Class 10, provided you have completed at least 7 years of EPF contribution. 

Marriage Expenses 

After contributing to EPF for at least 7 years, you can withdraw up to 50% of your PF balance for marriage-related expenses. 

Medical Emergencies 

You can withdraw up to six times your monthly salary or your total employee contribution with interest, whichever is lower. 

Home Purchase or Renovation 

Partial withdrawal is allowed for purchasing, constructing or renovating a house after meeting the minimum contribution period specified by EPFO. 

Complete PF Withdrawal 

Complete PF withdrawal allows employees to withdraw the entire balance from their provident fund account under specific conditions such as retirement, permanent unemployment or disability. 

To apply for full PF withdrawal online: 

• Ensure your UAN is active 

• Link Aadhaar, PAN and bank details 

• Complete KYC verification 

• Log in to the EPFO member portal 

• Select Form 19 for final settlement 

• Verify using OTP authentication 

• Submit the claim online 

Once approved, the PF amount is credited directly to your registered bank account. While complete withdrawal is possible, retaining your PF balance can help build long-term financial security after retirement. 

Latest PF Withdrawal Rules in 2026 

The following rules apply to EPF withdrawals in 2026: 

• PF withdrawal is generally not allowed while actively employed 

• Employees aged 55 years or above can withdraw up to 90% of the balance one year before retirement 

• Up to 75% withdrawal is allowed after one month of unemployment 

• Remaining balance can be withdrawn after two months of unemployment 

• Withdrawal above ₹50,000 before completing 5 years of service attracts TDS 

• TDS of 10% applies if PAN is submitted 

• TDS of 30% applies without PAN 

Rules for Public Provident Fund (PPF) 

• Partial withdrawals are allowed only after completion of 6 financial years 

• Only one withdrawal is permitted in a financial year 

• Up to 50% of the eligible balance can be withdrawn 

Taxes on PF Withdrawal in India 

Your own contribution to the PF account is generally tax-free. However, certain PF withdrawals may attract tax depending on the withdrawal conditions. 

PF Withdrawal is Tax-Free When: 

• You complete 5 years of continuous service 

• Withdrawal is made after retirement 

PF Withdrawal is Taxable When: 

• Withdrawal exceeds ₹50,000 before 5 years of continuous service 

• PAN details are not updated 

Applicable TDS Rates 

• 10% TDS with PAN 

• 30% TDS without PAN 

The interest earned on PF contributions may also be taxable under applicable income tax provisions. 

How to Check PF Withdrawal Status? 

You can track your PF withdrawal claim status online through the EPFO portal. 

Step 1: Visit the official EPFO website 

Step 2: Log in using your UAN and password 

Step 3: Go to ‘Online Services’ or ‘Track Claim Status’ 

Step 4: Enter your UAN and captcha details 

Step 5: View the current status of your PF claim request 

Monitoring your claim status regularly helps you stay updated on approval and settlement timelines. 

Withdrawing your PF can help manage urgent financial needs, but it may reduce your retirement savings corpus. Before making a withdrawal, evaluate whether you truly need to access your long-term savings. 

If you need quick funds for emergencies or planned expenses, you can also consider alternatives like an Instant Personal Loan from Fibe. Get loans of up to ₹10 lakhs with quick approvals, easy eligibility and fast disbursals. Download the Fibe app or visit the website to apply today. 

FAQs on PF Withdrawal 

How to claim the PF amount? 

You can claim your PF amount both online and offline. Online withdrawal can be done through: 

• EPFO Member e-Sewa portal 

• UMANG mobile app 

How many days does it take to withdraw PF advance? 

PF withdrawal claims are usually processed within 7 to 20 working days after successful verification and approval by EPFO. 

What documents are required for PF withdrawal? 

The commonly required documents include: 

• Aadhaar card 

• PAN card 

• Bank account details 

• Cancelled cheque/passbook copy 

• Aadhaar-linked mobile number 

• Supporting documents based on withdrawal reason 

Can I withdraw PF without leaving my job? 

Yes, partial PF withdrawal is allowed while you are employed for purposes such as medical emergencies, home purchase, education or marriage, subject to EPFO eligibility conditions. Full withdrawal is generally allowed only after retirement or unemployment. 

How can I check my PF withdrawal status? 

You can check your PF withdrawal status online by logging in to the EPFO member portal using your UAN and selecting the ‘Track Claim Status’ option.