A savings plan supported by the government, the Employees’ Provident Fund is intended to give you financial stability in retirement. However, there are situations in which you may need to access your saved EPF amount before retirement. There are situations under which the EPFO permits both partial and full withdrawals, and the procedure can be easily completed online. You can seek to transfer or do the EPF Withdrawal when you change jobs or quit your job. You can do EPF Withdrawal by completing the EPF Form 19 online or in person. Upon retirement, employees can take out the full amount that has been collected in their EPF.
Overview of EPF
The Employees’ Provident Fund also known as EPF is a government-sponsored savings plan intended to give you retirement stability. In some cases, though, you may need to access your accumulated EPF amount before retirement. Partial and full withdrawals are permitted under the EPFO under certain circumstances, and the procedure is easily completed online. The goal of EPFO in general and the schemes is to promote the development of enough cash while an individual is employed, which will serve as a source of financial support after retirement. The EPF has been created by the government for saving and collecting funds from their salary which they can use after retirement or in any kind of emergency.
Important Factor
| Name of the article | EPF Withdrawal |
| Introduced By | Government Of India |
| Name of the scheme | Employees’ Provident Fund |
| Beneficiaries | The working class of India |
| Benefits | To save funds for the employees which will help them on the retirement |
| Application Mode | Online offline both |
| Objective | Savings |
| Official Website | https://unifiedportal-mem.epfindia.gov.in/memberinterface/ |
Type of Withdrawal Forms
- Form 10C: This form is used for the withdrawal of EPF. If someone needs to withdraw their EPF they can use this form.
- Form 10D: This form is used To Apply for A Pension After Retirement.
- Form 11: This form is used to do the Automatic Transfer Of EPF
- Form 14: This form is used to sign up for the LIC Policy.
- Form 15G: This form is used To Save Tds For Any Interest Generated From EPF
- Form 19: This form is used to do the Settlement Of EPF
- Form 2: This form is used for the nomination for the EPF And Employees’ Pension Scheme
- Form 20: This form is used for the EPF Settlement in Case of An Employee’s Death.
- Form 31: This form is particularly used for the Withdrawal Of EPF
- Form 5: Registration Form for New Employees for EPS And EPF
- Form 5(IF): Employees’ Deposit Linked Insurance Claim Form.
Eligibility Criteria
- Retirement at age 58 or later.
- retirement early at age 55 or above.
- more than two months of unemployment.
- Permanent disability.
- leaving India.
- death of the member (as claimed by the legal heir or nominee).
EPF Online Withdrawal Process
Step 1: Go to the EPFO e-SEWA portal.
Step 2: Enter your UAN and password to access the UAN Member e-Sewa Portal.
Step 3: Check the Manager section’s KYC information.
Select the “Online Services” tab in step three. From the drop-down menu, choose “Claim (Form-31, 19, 10C & 10D)”.
Step 4: Type in the accurate bank account number that your UAN was used to seed. Select “Verify.”
Step 5: Click “Yes” to continue after carefully reading the terms and conditions.
Step 6: From the dropdown option, select the reason for your withdrawal. Your eligibility will determine the options that are accessible to you.
Step 7: Provide information and, if necessary, upload documents: Put your full address here. When requesting an advance, you can be required to submit your passbook or check details. Agree to the terms and conditions. For verification, ask for a one-time password (OTP).
Step 8: The cellphone number associated with your Aadhaar will receive an OTP. Submit your claim application after entering the OTP.
Step 9: After filing, you can check the progress of your claim by going to “Track Claim Status” on your member e-SEWA portal account.
Offline Process
To apply for the EPF Withdrawal Online you can follow these steps:
- EPFO Helpline: Call the 24×7 customer care number 1800-118-005 or 13611 (between 7 am to 9 pm) and provide your PF account number or UAN to the helpline officer.
- SMS: Send an SMS to 7738299899 in the format “EPFOHO UAN LAN” (e.g., EPFOHO UAN ENG for English) from your registered mobile number.
- Missed Call: Give a missed call to 011-22901406 from your registered mobile number. You will receive an SMS with your claim status.
Tax Conditions Under EPF Withdrawal
Tax-Free: Withdrawals from an EPF account that you have made contributions to for five years in a row are typically tax-free.
Taxable: A withdrawal made before five years of continuous service is subject to taxation. When you withdraw more than ₹50,000, TDS (Tax Deducted at Source) would be applied at a rate of 10% if you have a PAN and 20% otherwise. To avoid TDS, you can file Form 15G/15H if you match the requirements.
Check EPF Withdrawal Claim Status
Through e-Sewa Portal
This is the most popular and practical way to trace someone online.
Step 1: Access the e-Sewa site for UAN Members.
Step 2: Enter your Universal Account Number (UAN) and password to log in on the homepage.
Step 3: Then, from the “Online Services” page, choose “Track Claim Status.”
Step 4: Information about your claim, including its status, will be shown. Only online claims are eligible for this option.
Through EPFO Website
After starting the withdrawal, you must check the claim. To do this, follow the steps listed below:
Step 1: Visit the EPFO website at epfindia.gov.in;
Step 2: Click “Our Services” on the main page, then click “For employees”;
Step 3: Click “Know your Claim Status.”
Step 4: You will be taken to the EPF Passbook & Claim Track page;
Step 5: Next, enter your UAN and captcha code, then click “Sign in.”
Step 6: Choose the Member ID for the appropriate EPF account.
Step 7: Click “Claims” in the header bar to view your claim details.
Through UMANG App
A mobile-friendly method of tracking your claim is provided by the UMANG app.
Step 1: Get the UMANG app on your phone and install it.
Step 2: Enter your OTP and registered mobile number to log in.
Step 3: Navigate to the EPFO area and choose “Track Claim.”
Step 4: Enter the OTP that was issued to your registered mobile number along with your UAN.
Step 5: The status and further information will be shown.
Type of Claim Status
There are various steps involved in the PF withdrawal process:
Payment Pending, In-Process, or Under Process: EPFO is currently processing your claim.
Settled: The money has been transferred to your bank account or is currently being transferred once your claim was accepted.
Rejected: We have dismissed your claim. Verify the rejection reason and submit again if necessary.
Not Available: There may be a problem with the information you submitted, or your claim may not have been processed yet. For clarification, you might need to get in touch with the EPFO.
Contact Details
| EPFO HEAD OFFICE Employees Provident Fund Organization, (Ministry of Labour & Employment) Plate A Ground Floor, Office Block-II, East Kidwai Nagar New Delhi-110023 |
FAQS
What is an EPF?
A savings plan supported by the government, the Employees’ Provident Fund is intended to give you financial stability in retirement.
What are the benefits of EPF?
The EPF has been created by the government for saving and collecting funds from their salary which they can use after retirement or in any kind of emergency.
Can we withdraw EPF before retirement?
There are situations under which the EPFO permits both partial and full withdrawals, and the procedure can be easily completed online.
How can we withdraw EPF in case of an emergency?
You can do EPF Withdrawal by completing the EPF Form 19 online or in person