PF Withdrawal Forms

PF withdrawal form is a crucial document required to claim your PF amount, either partially or in full, under various circumstances. Understanding this form’s purpose and correct usage is essential for a smooth and hassle-free withdrawal process.

What is the purpose of the PF claim form?

The PF claim form is a crucial document when requesting your Employee Provident Fund (EPF) balance. Different forms exist for various withdrawal reasons, ensuring a smooth and accurate processing of your claim.

By filling out the appropriate form and submitting it with the necessary documents, you can withdraw your PF amount.

Complete EPF withdrawal

The entire EPF balance can be withdrawn under the following conditions:

1. Upon retirement.
2. After being unemployed for over two months. In this case, individuals must provide an attestation from a gazetted officer to proceed with the withdrawal.
3. EPF cannot be fully withdrawn while transitioning between jobs unless the person has been out of work for at least two months.

Partial EPF withdrawal

You can also partially withdraw your PF. The following are the different scenarios and limitations.

• Circumstances: Education, marriage, home loan repayment, home renovation, or medical emergency.
• Limitations: Amount varies based on the reason for withdrawal and years of service.

Different types of PF withdrawal forms

Form	Purpose
Form 10C	Withdraw your Employee Pension Scheme (EPS) amount.
Form 10D	Apply for a pension after retirement.
Form 11	Automatic transfer of your EPF balance to your new employer’s account if you switch jobs.
Form 14	To link your EPF account with a Life Insurance Policy (LIC).
Form 15G (Not for Withdrawal)	Helps save Tax Deducted at Source (TDS) on any interest earned from EPF.
Form 19	Settle your entire EPF account balance.
Form 2	Nominate beneficiaries who will receive your EPF amount in case of your death.
Form 31	Partial withdraw or advance from your EPF account
EPF Form 20	Application form for claiming EPF funds by a nominee/legal heir after the death of the member
EPF Form 5(IF)	Claim form for insurance benefits under the Employees’ Deposit Linked Insurance Scheme (EDLIS)

Process to apply for EPF withdrawal online

Step 1: Navigate to the UAN portal.

Step 2: Enter your UAN and password. Fill in the captcha.

Step 3: Go to the “Manage” tab and click on “KYC.” This checks if your Aadhaar card, PAN card, and bank account details are linked and verified.

Step 4: Once your KYC is verified, navigate to the “Online Services” tab, and choose “Claim (Form-31, 19 & 10C)” from the menu.

Step 5: You will see your member details, KYC information, and other service details. Enter your bank account number and click “Verify.”

Step 6: Click “Yes” to acknowledge the undertaking and proceed.

Step 7: Click “Proceed for Online Claim.” Under the section “I Want To Apply For,” choose the type of claim you need: Full EPF Settlement, partial EPF W\withdrawal (loan/advance), or pension withdrawal. 

Step 8: If you are applying for a partial withdrawal, select “PF Advance”. Fill in the reason for the advance, the amount you need, and your current address.

Step 9: Review your application and click “Submit” on the certificate. You might need to upload scanned documents depending on your claim type.

Step 10: Submit the application, and if approved, funds will be credited to your bank account in 15-20 days.

Steps to check EPF claim status

1. Visit the official EPFO website
2. Log in by enteringenter your UAN and password
3. Once logged in, navigate to “Online Services” section
4. Within the online services menu, choose “Track Claim Status” to access your specific withdrawal application’s progress

Eligible conditions for PF withdrawal

• You can withdraw your entire EPF balance upon retirement, after reaching the age of 58.
• Facing a medical emergency for yourself or a dependent allows a partial withdrawal.
• Funds can be partially withdrawn for your child’s higher education.
• Partial withdrawal is allowed for home purchase or construction.
• If you lose your job due to layoff or retrenchment, you can withdraw a portion of your EPF corpus.

Note– According to new law you can withdraw 75% of the corpus after one month of unemployment. And remaining 25% gets transferred to your new EPF account once you find a new job.

Conclusion

PF withdrawal process involves choosing the right form based on your specific circumstances. By understanding the purpose and eligibility criteria of each form, individuals can ensure a hassle-free withdrawal experience. It is essential to stay informed, keep documents updated, and follow the prescribed procedures to access your hard-earned savings when needed.