EPF Withdrawal Guide
Step-by-step interactive checklist for withdrawing Provident Fund without middlemen.
Powered by: EPFO Guidelines
What do you want to do?
Eligibility for Full Withdrawal
- Unemployed for 60 days or more (Form 19)
- Retired (after 55 years)
- Migrated abroad permanently
- In case of death (nominees can claim)
How to Withdraw Online
- Login to EPFO portal: unifiedportal-mem.epfindia.gov.in
- Go to "Online Services" → "Claim (Form-31, 19, 10C & 10D)"
- Click "Proceed for Online Claim"
- Select reason for exit and certificate
- Fill Form 19 (EPF) and Form 10C (EPS)
- Verify bank account details
- Submit with Aadhaar OTP
- Money credited within 3-7 days
Valid Reasons for Partial Withdrawal
Medical Treatment
For self, spouse, children, parents
Marriage
Self, children, siblings (after 7 years)
Home Purchase
Buy plot or construct house
Home Loan Repayment
Repay principal/interest
Education
Higher education for self/children
COVID-19
Special non-refundable advance
Withdrawal Limits
- • Medical: Up to 6 months basic + DA or actual, whichever is less
- • Marriage/Education: 50% of employee's share after 7 years
- • Home: 90% of employee's share after 5 years service
How to Transfer PF to New Employer
- Login to EPFO portal with UAN
- Go to "Online Services" → "One Member One EPF Account"
- System will show all your PF accounts
- Click "Transfer" on old account
- Select current employer's establishment
- Submit request with Aadhaar OTP
- Transfer happens automatically (no employer approval needed)
Why Transfer is Better than Withdrawal
- • No tax deduction if transferred
- • Interest continues to accumulate
- • Service period continues (for loan eligibility)
- • Better retirement corpus
EPF Advance (Loan)
EPF advance is available for specific emergencies. Must be repaid through monthly deductions.
Available For:
- • Medical emergency requiring hospitalization
- • Natural calamity (flood, earthquake)
- • COVID-19 treatment
Documents Required
Aadhaar linked to UAN
Bank account verified on EPFO portal
Active mobile number
PAN (for amounts above ₹50,000)
Tax on Withdrawal
- No Tax: If withdrawn after 5 years of continuous service
- 10% TDS: If withdrawn before 5 years (without PAN: 20% TDS)
- No TDS: If taxable income below ₹2.5 lakhs (submit Form 15G/15H)
Legal Disclaimer
This tool provides legal information based on Indian laws. For serious matters, consult a registered Advocate.