The Employees' Provident Fund Organisation (EPFO) allows members to submit withdrawal claims entirely online, without visiting a PF office. If your UAN is active and your KYC is verified, you can initiate a full settlement, partial withdrawal, or pension withdrawal from any device.
This guide covers the complete online process, updated withdrawal categories under EPF Scheme 2026, and current tax rules including the shift to Form 121.
Before starting the claim process, confirm whether your PF account is ready for withdrawal. Common blockers include unverified KYC, mismatched name or date of birth, pending exit date, and old unclosed accounts.
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Before initiating an online claim, confirm the following:
If KYC is pending or rejected, the portal will block your claim submission. Resolve KYC issues before you begin.
Step 1: Login Visit the EPFO member portal and log in using your UAN and password. Complete the CAPTCHA to authenticate.
Step 2: Verify KYC Details Go to the \"Manage\" tab, select \"KYC,\" and confirm that your Aadhaar, PAN, and bank details are accurate and approved.
Step 3: Access the Claim Form Open the \"Online Services\" tab and select \"Claim (Form 31, 19 and 10C).\" Review the KYC and service details displayed on screen.
Step 4: Bank Account Verification Enter your bank account number and click \"Verify.\" Accept the online undertaking to confirm where the funds will be credited.
Step 5: Submit Your Claim Click \"Proceed for Online Claim.\" Select the appropriate option:
Specify the purpose and the amount, and upload any supporting documents if required.
After submission: You will receive an SMS similar to:
\"Dear Sir/Madam, your Claim Id DSNHPxxxxxxxxxxxx is under process and will be settled shortly. - EPFO\"
Once settled:
\"Your Online Claim Form-31 (DSNHPxxxxxxxxxxxx) is Settled for Rs. xxxxxxx/- on 13-12-24 and will be credited within 3 working days in bank A/c ending with xxxx.\"
The entire claim process typically takes 3 to 22 working days.
If you do not have an active UAN, you can still withdraw your PF offline using Aadhaar-based or non-Aadhaar composite claim forms. Submit the completed form and required documents at your Regional PF Office. Attestation from a bank manager, magistrate, or gazetted officer may be required. After verification, the amount is credited to your registered bank account.
Form 31 (Advance/Part Withdrawal Form) Used for partial or advance withdrawal for eligible purposes such as illness, education, or housing.
Form 19 (Final PF Settlement) Used for complete withdrawal of your EPF balance after leaving employment. Can be submitted without a UAN by providing your PF account number.
Form 10C (Pension Withdrawal) Used to withdraw the EPS (pension) component if your total service period is less than 10 years before leaving employment. If service is 10 years or more, you become eligible for an EPS pension instead.
Important: The old withdrawal categories (pre-retirement 90%, medical at 6x wages, marriage/education after 7 years, etc.) no longer apply. The EPF Scheme 2026, notified by the Central Board of Trustees, has replaced the earlier 13 provisions with three consolidated categories. See the full breakdown of updated PF withdrawal rules under EPF Scheme 2026.
All three categories share a uniform baseline:
| Category | What It Covers | Notable Limits |
|---|---|---|
| Essential Needs | Illness, education, marriage | Education: up to 10 times; Marriage: up to 5 times |
| Housing Needs | Home purchase, construction, renovation, home loan repayment | 5 time in your lifetime |
| Special Circumstances | Emergencies and situations notified by EPFO (e.g., calamities, establishment closure) | No reason or documentation required |
This category covers expenses related to illness of the member or family, education (self or children), and marriage (self, sibling, or children). The frequency limits have been increased significantly: education withdrawals are now allowed up to 10 times and marriage withdrawals up to 5 times, compared to a combined limit of 3 under the old rules.
This category consolidates all housing-related withdrawals: purchasing or constructing a house, buying a residential plot, repaying an existing home loan, and renovating or improving a house.
This category covers situations such as natural calamities, establishment closure, continuous unemployment, and other emergencies notified by EPFO. Importantly, members do not need to specify a reason or submit documentation for this category. The claim is processed based on self-declaration.
Full withdrawal of your entire EPF balance is permitted in the following situations: retirement at age 55 or above, permanent disability, retrenchment, voluntary retirement, or permanent migration from India.
For members who have lost their job:
Note: Full settlement processing now requires 12 months of unemployment for the remaining balance. The earlier 2-month waiting period has been changed under EPF Scheme 2026.
TDS is applicable if:
| Scenario | TDS Rate |
|---|---|
| Withdrawal with PAN | 10% |
| Withdrawal without PAN | 34.608% |
| Withdrawal after 5 years of continuous service | Nil (tax-free) |
Important Update (Tax Year 2026-27 onwards): Form 15G and Form 15H are no longer valid for EPF withdrawals. EPFO has replaced both with a single unified declaration, Form 121, effective April 1, 2026 under the Income Tax Act 2025.
Form 121 eliminates the earlier age-based distinction (Form 15G was for those under 60; Form 15H was for senior citizens). All eligible members, regardless of age, now submit Form 121 to declare that their estimated total income for the Tax Year will result in nil tax liability.
If you are eligible, submit Form 121 before initiating your withdrawal claim. Filing the form does not automatically make your withdrawal tax-free; you must satisfy the prescribed eligibility conditions.
If TDS is deducted despite filing Form 121, you cannot claim a refund from EPFO. You must include it while filing your Income Tax Return for the relevant Tax Year.
For a complete guide, see: Form 121 replaces Form 15G/15H for EPF Withdrawals.
After submitting your claim:
The portal shows whether your claim is under process, approved, or settled.
Withdrawing your PF online is straightforward when your UAN is active, your KYC is verified, and you know which form and category to select. The two most important regulatory changes to be aware of in 2026:
If you are unsure whether your account is ready for a claim, run a quick check before you start - Check My PF Before Filing. If the process feels complicated, our PF specialists can guide you through it- Book a Free Consultation.
"},"category":"PF Withdrawal","author":"Finright","is_published":true,"is_draft":false,"published_at":"2026-02-17T09:58:33.184Z","is_deleted":false,"summary_id":{"_id":"69943bc92eb8014fa9436946","summary":"Yes. If your total service is less than 10 years, you can withdraw the pension component using Form 10C note: you can withdraw only after 36months(3 years of unemployment). If your service is 10 years or more, you receive a pension certificate and become eligible for monthly EPS pension instead of a lump sum.
","_id":"69943bc92eb8014fa9436943"},{"question":"Is PF withdrawal taxable?","answer":"It depends on your service period. Withdrawals after five continuous years of service are tax-free. Withdrawals before five years are taxable if the amount exceeds Rs. 50,000. TDS is deducted at 10% with PAN and at 34.608% without PAN.
","_id":"69943bc92eb8014fa9436944"},{"question":"How do I avoid TDS on my EPF withdrawal?","answer":"Submit Form 121 (which has replaced Form 15G and Form 15H from Tax Year 2026-27) before initiating your withdrawal. You must be eligible: your estimated total income for the Tax Year should result in nil tax liability.
","_id":"6a72eeaf910ccb9a737361ce"},{"question":"Can I withdraw 100% of my PF balance?","answer":"Under EPF Scheme 2026, partial withdrawals can cover up to 100% of your eligible balance (employee and employer share combined), subject to a mandatory 25% minimum retention during active employment. Full withdrawal of the entire corpus, including the minimum balance, is permitted only in specific circumstances: retirement, permanent disability, retrenchment, VRS, or permanent migration from India.
","_id":"6a72eeaf910ccb9a737361cf"},{"question":"What is the 75%/25% rule for unemployed members?","answer":"If you lose your job, you can withdraw up to 75% of your total PF corpus (including employer contributions and interest) immediately. The remaining 25% becomes available for withdrawal after 12 months of continuous unemployment.
","_id":"6a72eeaf910ccb9a737361d0"},{"question":"What if my employer has not updated my exit date?","answer":"A missing or incorrect exit date is one of the most common reasons for claim rejection. You will need to get it corrected through the EPFO portal or with employer assistance before you can complete a final settlement. If your employer is unresponsive, FinRight can assist with exit date correction.
","_id":"6a72eeaf910ccb9a737361d1"},{"question":"What happens if my KYC is not verified?","answer":"The EPFO portal will not allow you to proceed to claim submission if your KYC is unverified or employer-pending. Resolve KYC issues — Aadhaar, PAN, and bank account — before attempting to withdraw.
","_id":"6a72eeaf910ccb9a737361d2"},{"question":"How long does EPF withdrawal take?","answer":"The EPFO portal typically processes claims within 3 to 22 working days. Once settled, the amount is credited to your bank account within 3 working days of settlement.
","_id":"6a72eeaf910ccb9a737361d3"}],"is_deleted":false},"createdAt":"2026-02-17T09:58:33.184Z","updatedAt":"2026-08-05T08:05:03.980Z","__v":0,"slug":"epf-online-withdrawal-process-how-to-withdraw-pf-amount-online","author_id":{"_id":"6a54c5df4f0272ba4dfa4fcb","name":"Mital Rajpurohit","profilePicture":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/1a9e9e3b-a4bc-46ab-bdc3-aea9816d33f9.webp","about":"EPF Case Specialist | PF Withdrawal, Transfers & Member Corrections\n\nMittal has resolved 500+ EPF cases since joining FinRight in October 2025, assisting members with PF withdrawals, transfers, Joint Declarations, and ECR corrections. She specializes in resolving claim rejections by identifying underlying issues and guiding members through the required correction process.\n\nHer expertise also covers complex PF transfer cases, member profile corrections, service history discrepancies, and KYC-related issues, ensuring members can complete their EPF transactions with minimal delays.","id":"6a54c5df4f0272ba4dfa4fcb"},"expert_id":{"_id":"6a3f6673d3d5b776bee49afe","name":"Ketan Das","profilePicture":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/3980c03e-3139-4f2e-b902-d2195b438bfe.webp","designation":"Business Head at Finright Technologies","about":"Leading business strategy and growth initiatives while driving customer-centric financial solutions. He is passionate about simplifying personal finance and helping individuals make informed decisions through practical, research-backed financial insights.","id":"6a3f6673d3d5b776bee49afe"},"expert_quote":"","expert_quote_attribution":"","id":"69943bc92eb8014fa9436948","totalLikes":0,"totalViews":241,"totalShares":0,"ctas":{"checkmypf-1":{"_id":"69e364082c6fa767919261a7","unique_key":"checkmypf-1","button_text":"Check YOUR PF Now!","description":"Unsure about your PF balance? Use FinRight's CheckMyPF tool to analyze your EPF records for potential discrepancies or missed transfers.","heading":"Check My PF – Get Your Detailed Report!","navigation_url":"https://finright.in/check-pf-withdrawability"},"bookexpertcall_1":{"_id":"69e3643e2c6fa767919261a8","unique_key":"bookexpertcall_1","button_text":"Book a Call","description":"Book a consultation call with our EPF experts to get personalized assistance for withdrawal or transfer of your Provident Fund.","heading":"Need Help with PF Withdrawal or Transfer?","navigation_url":"https://finright.in/"},"transfer-1":{"_id":"69e364862c6fa767919261a9","unique_key":"transfer-1","button_text":"Start Your Transfer Journey!","description":"Let us assist you with the smooth transfer of your Provident Fund balance from previous employers. Ensure your funds are consolidated.","heading":"Transfer Your PF Without Hassles","navigation_url":"https://finright.in/"},"withdrawal-1":{"_id":"69e364b82c6fa767919261aa","unique_key":"withdrawal-1","button_text":"Start Your PF Withdrawal Journey!","description":"If you're ready to withdraw your PF, let us guide you through the process, ensuring all documents and conditions are met.","heading":"Simplified PF Withdrawal Process","navigation_url":"https://finright.in/"}}},"nextBlog":{"_id":"69943f022eb8014fa9438aeb","title":"PPF vs VPF: Which Is Better for You in 2026?","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/7da36abd-1299-4334-9f81-b0774ed65697.webp","id":"69943f022eb8014fa9438aeb"},"previousBlog":{"_id":"69943a932eb8014fa9436933","title":"EPF Interest After Leaving Job: Does It Stop After 3 Years? (Myth Busted)","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/a03f5954-d07b-4d58-966e-127f7d673e07.webp","id":"69943a932eb8014fa9436933"}}