How do I withdraw my PF balance online?

You can withdraw PF online by logging in to the UAN portal, filling out Form 19/31, and submitting it with Aadhaar-linked bank details.

Can we withdraw 100% PF amount?

Yes, 100% PF can be withdrawn after retirement or if you are unemployed for more than 2 months.

What are the new rules for PF withdrawal?

New rules allow partial withdrawal for purposes like medical treatment, marriage, education, and house purchase, with Aadhaar and bank account linking mandatory.

How many days will it take to withdraw PF?

PF withdrawal usually takes 7–20 working days once the claim is submitted online.

Can I withdraw money from EPF online?

Yes, you can submit withdrawal claims through the EPFO UAN portal or UMANG app.

How much PF can be withdrawn for illness?

For medical treatment, you can withdraw the lower of ₹50,000 or six times your monthly basic salary and DA, from your PF balance.

How do I withdraw my PF balance online?

You can withdraw PF online by logging in to the UAN portal, filling out Form 19/31, and submitting it with Aadhaar-linked bank details.

Can we withdraw 100% PF amount?

Yes, 100% PF can be withdrawn after retirement or if you are unemployed for more than 2 months.

What are the new rules for PF withdrawal?

New rules allow partial withdrawal for purposes like medical treatment, marriage, education, and house purchase, with Aadhaar and bank account linking mandatory.

How many days will it take to withdraw PF?

PF withdrawal usually takes 7–20 working days once the claim is submitted online.

Can I withdraw money from EPF online?

Yes, you can submit withdrawal claims through the EPFO UAN portal or UMANG app.

How much PF can be withdrawn for illness?

For medical treatment, you can withdraw the lower of ₹50,000 or six times your monthly basic salary and DA, from your PF balance.

How much PF can be withdrawn for illness?

For medical treatment, you can withdraw the lower of ₹50,000 or six times your monthly basic salary and DA, from your PF balance.

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Withdraw Your PF Balance Easily | Step by Step Guide

Komal Bajpai

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Updated: 02-09-2025 at 3:30 PM

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As per guidelines from the Employees' Provident Fund Organisation (EPFO), certain stipulations must be satisfied to withdraw one's provident fund (PF) savings when resigning from a job. Your PF account is required to show continuous service for at least two months.

Additionally, all know-your-customer (KYC) documents need to be completed and linked to the account. Your previous employer must have also fully updated your KYC records.

Read the article to get answers to your questions, like ‘how to get my PF amount online? or ‘how to withdraw our PF amount?’ including details on the process of EPFO login/UAN login through the EPFO portal, EPFO amount check/EPF balance check through the EPFO member portal, getting a EPFO passbook, etc.

Overview

The table below summarises some key details about the EPFO portal that one should know for using it optimally.

Provident fund	A government pension service wherein both the employer and employee contribute
EPFO	Employees' Provident Fund Organisation
EPFO passbook	Issued by the EPFO for effective management of funds by the people
Mode of withdrawal	Online

Eligibility For PF Withdrawal

EPF withdrawals are made on certain conditions. Those conditions are mentioned below in detail for one’s better understanding:

After retirement
After resigning and remaining unemployed for at least 2 months
People can also opt for partial withdrawal on some conditions such as:

Medical emergencies
Marriage
Education of children
Construction, purchasing, or renovation of house
Repayment of home loan

How To Withdraw Our PF Amount?

Step 1: Apply for PF Withdrawal

Step 1: Complete the EPFO login/UAN login through the e-Sewa portal which is the EPFO member portal using your UAN and password.

Step 2: Under 'Online Services', select the 'Claim (Form-31)' option.

Step 3: Select 'PF Advance (Form 31)" from the drop-down.

Step 4: Enter the last working date and submit.

Step 5: You will get an OTP on the registered mobile number, which needs to be entered to proceed further.

Step 2: Verify bank account for credit of PF amount

Step 1: Go to the 'Manage' tab and select the 'KYC' option.

Step 2: Click on 'Bank Details' and verify the bank account linked with your Aadhaar.

Step 3: The account holder's name must match that on the Aadhaar.

Step 4: The account number is verified through electronic means or by uploading a check image.

Step 5: Linking verified bank accounts ensures direct PF amount credit without manual intervention.

Step 3: Track Claim Status

Step 1: From 'Track Claim Status' under the 'Online Services' tab, you can check the latest status.

Step 2: It reflects all stages, like claim receipt, approval, and payment confirmation.

Step 3: Status gets updated via SMS on your registered mobile number.

Step 4: The full EPF withdrawal amount gets credited directly to your bank account within 10–15 days after claim approval.

Step 5: Withdrawing pension funds along with the EPF balance check.

Please note that the answer to the question ‘how to get my PF amount online?’ and the process of EPFO amount check/EPF balance check can be done through the member portal only.

Documents Needed

To successfully apply for PF withdrawal, people need to submit some documents, such as:

Universal Account Number (UAN)
Identity proof
Bank account details
Employment information

Procedure For PF Withdrawal Online After Resignation

Those who would like to apply for PF withdrawal online after resignation can do so by following the steps mentioned below:

Step 1: Log in to the EPFO portal e-Sewa portal using your UAN and password.

Step 2: Under 'Online Services', select the 'Settlement (Form-19)' option.

Step 3: Select 'PF Settlement (Form 19)' from the drop-down.

Step 4: Fill in the required details.

Step 5: Attach the supporting documents, like a cancelled cheque or a copy of your bank account’s passbook.

Step 6: Submit the form and wait for approval, after which your PF amount will be directly deposited into your bank account.

Taxation Of PF Withdrawal

The taxation on PF withdrawals is charged based on when the withdrawal is made. So there are two conditions for it:

Before 5 years: If the PF withdrawal is being made before 5 years, tax is imposed on both the main amount and the interest earned on it.
After 5 years: If the PF withdrawal is made before 5 years, tax is not imposed.

Tax Benefits Of e-PF And Pension Withdrawals

The key advantage is complete tax exemption on the PF corpus and earned interest under Section 10(12) of the Income Tax Act. For pension monies, up to one-third or a maximum of ₹50,000 withdrawn yearly is tax-free. By facilitating full online PF/pension withdrawals without tax implications, EPFO empowers professionals to access savings flexibly amid career changes for future finances.

Withdrawing Pension Funds Alongside PF Balance

In addition to PF savings, you may submit a claim to withdraw pension funds held by EPFO if you are eligible by age or superannuation after the vesting period by filling out Form 10-C. Three-fourths can be withdrawn as a lump sum, and the remaining one-fourth is paid as a monthly pension. Proof of employment and identity documents must be provided.

Conclusion

Quitting a job is often the first step towards new opportunities. However, the anxiety surrounding the withdrawal of hard-earned savings can be challenging. With online claim settlement and direct bank transfers, EPFO has set new standards of service delivery by offering assistance, such as tracking claim status in real-time, combined with predictable tax exemptions, and bringing transparency.

You can now avoid last-minute stress by having an understanding of EPF withdrawal protocols. The next time a tough choice emerges between job security and career growth, your retirement savings need not be a constraint.

Stay updated with Jaagruk Bharat to get the latest information on government healthcare schemes and more, and reach out to us via our community page if you have any questions.

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