INSTRUCTIONS AND GUIDELINES FOR THE ADVANCES TO BE CLAIMED THROUGH FORM 31

INSTRUCTIONS AND GUIDELINES FOR THE ADVANCES TO BE CLAIMED THROUGH FORM 31

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S.No	Purpose of Withdrawal	Additional Details	Relevant Para of EPF Scheme 1952	Membership/Period Required	Amount Admissible	Number of Installments	Number of Times Withdrawal Allowed	Payment Will Be Made To	Document Required with Form 31
I	Purchase of House/Flat, Construction of House, Acquisition of Site	a. Purchase of house/flat, construction of house including acquisition of site	68B (1)(a)	5 years	For purchase of site: 24 months’ basic wages and DA; For purchase of house/flat/construction: 36 months’ basic wages and DA or total of employee and employer share with interest or total cost, whichever is least	One or more for construction	1	Agency	Declaration Form from Member
		b. Purchase of site for construction of dwelling house/purchase of house/flat	68B (1)(b)	Member	–	–	–	Member	–
		c. Purchase of dwelling house/flat on ownership	68B (1)(bb)	Member	–	–	–	Member	–
		d. Construction of house on a site owned by member/spouse/jointly by member & spouse	68B (1)(c)	Member	–	–	–	Member	–
		e. For addition/alteration/improvement in house owned by member/spouse/jointly with spouse	68B (7)	5 years from completion of house	12 months’ basic wages and DA or employee share with interest or cost, whichever is least	1	1	Member	Declaration Form from Member
		f. For addition/alteration/improvement/repair in house owned by member/spouse/jointly with spouse	68B (7B)	10 years from withdrawal under sl no (e)	12 months’ basic wages and DA or employee share with interest or cost, whichever is least	1	1	Member	Declaration Form from Member
II	Repayment of Loans	a. For refund of outstanding principal and interest of a loan	68BB	10 years	36 months’ basic wages and DA or total of employee and employer share with interest or total outstanding principal and interest, whichever is least	1	1	Agency	Certificate from the Agency
III	Advances in Special Cases	a. In case of lockout/closure of establishment for more than 15 days	68H (1)	NA	Employee share with interest	1 or more	NA	Member	Certificate from the Employer in Certificate Form A and B, as applicable
		b. Discharge/dismissal/retrenchment of member challenged by him/her in Court	68H (1-A)	NA	Maximum 50% of employee share with interest	1 or more	NA	Member	Copy of petition filed in the Court and certificate from member
		c. In case of establishment’s closure for more than 6 months	68H (2)(a)	NA	Up to 100% of employer share with interest	1 or more	NA	Member	Certificate from the Employer in Certificate Form A and B, as applicable
IV	Advance for Illness	a. For his/her own treatment	68J (1)	NA	6 months’ basic wages and DA or employee share with interest, whichever is least	1	NA	Member	Certificate C signed by Employer and Doctor
		b. For treatment of family	68J (3)	NA	6 months’ basic wages and DA or employee share with interest, whichever is least	1	NA	Member	Certificate C signed by Employer and Doctor
V	Advance for Marriages or Education	a. For marriage of self/daughter/son/brother/sister	68K (1)	7 years	50% of employee share with interest	1	3	Member	Member’s declaration in Form 31
		b. For post matriculation education of son/daughter	–	NA	–	–	–	Member	A certificate regarding course of study and estimated expenditure from Head of Institution
VI	Advance for Physically Handicapped	For purchasing equipment for minimizing hardship on account of handicap	–	NA	6 months’ basic wages and DA or employee share with interest or cost of equipment, whichever is least	1	No second advance before 3 years from first	Member	Certificate in Certificate F from Doctor
VII	Withdrawal Before Retirement	Partial withdrawal before retirement	68NN	After 54 years of age and within one year of retirement/superannuation	90% of amount in PF of the member	1	NA	Member	–

Additional Notes:

• There are provisions for advances in abnormal conditions (damage of property due to natural calamity) under Para 68L, for advance to members affected by cut in electricity (max ₹300) under Para 68M, and for investment in Varistha Pension Bima Yojana under Para 68NNN.