PF Withdrawal: How To Withdraw PF Amount Online – Complete Guide

PF Withdrawal 2025: As per the EPF regulations, employees are required to contribute 12% of their basic salary each month towards the Employee Provident Fund (EPF). The employer also contributes an equal amount to the employee's PF account. The amount deposited in the EPF account earns interest annually. Upon retirement, the employee is entitled to withdraw the entire accumulated balance in their EPF account.

Different Ways of PF Withdrawal 2025

People have the option to withdraw all or a partial of their Employee Provident Fund (EPF).

Full Pf Withdrawal

There are two situations in which it is acceptable to completely withdraw from EPF:

• Retirement: the state of being retired.
• Unemployment: A person may take 75% of their whole EPF balance if they are unemployed for more than a month. Should the unemployment be longer than two months, the remaining twenty-five percent may also be withheld.

It is noteworthy that individuals who are changing companies cannot withdraw their entire EPF balance unless they have been jobless for a minimum of two months.

EPF Nominee Update Online – Step-By-Step Complete Guide

Partial PF Withdrawal

Partial withdrawals from an Employees' Provident Fund (EPF) are allowed under specific conditions. These are as follows:

• Medical Expenses: Full withdrawal of the employee’s share with interest, or six times the basic monthly salary, can be made for the medical treatment of the employee, their spouse, children, or parents. No minimum service period is required for this withdrawal.
• Marriage: After a service period of at least 7 years, the employee can withdraw up to 50% of their contribution for the marriage of themselves, their son, daughter, brother, or sister.
• Education: Similarly, after 7 years of service, an employee can withdraw up to 50% of their contribution for post-matriculation education expenses for themselves or their children.
• Purchase of Land or House Construction: For purchasing land or constructing a house, the withdrawal is capped at 24 times the monthly basic pay plus dearness allowance for land and 36 times for house construction. The property must be in the employee’s name or jointly with their spouse. A minimum service period of 5 years is required, and this can be done only once.
• Home Loan Repayment: Employees can withdraw funds for repaying home loans, with a limit of 36 times the monthly basic salary plus dearness allowance, the total EPF balance, or the entire amount of principal and interest due. A service period of at least 10 years is necessary, and the property must be in the employee’s name or jointly with their spouse.
• Renovating a House: For home renovation, the employee can withdraw either their contribution with interest or up to 12 times the monthly basic pay and dearness allowance, provided they have completed 5 years of service. The property must be in the employee’s or their spouse’s name. This option can be availed twice: after 5 and 10 years of service.
• Prior to Retirement: Upon reaching the age of 58, employees can withdraw up to 90% of the total EPF balance with interest, provided they do so within one year of retirement.

This revised version maintains the key points while presenting them in a slightly clearer format.

Documents Required to withdraw PF online

Following documents are required to withdraw PF online.

• Universal Account Number (UAN)
• Bank account information of the EPF subscriber
• Identity and address proof
• Cancelled check with IFSC code and account number.

How to Withdraw PF Online with My UAN

To withdraw your Provident Fund (PF) online using your UAN (Universal Account Number), follow these updated steps:

• Visit the UAN Portal: Start by navigating to the official UAN portal.
• Login to Your Account: Enter your UAN and password. Ensure you complete the captcha correctly before clicking the "Sign In" button to access your account.
• Update KYC Details: Once logged in, go to the "Manage" section and select "KYC." This step is essential to verify and ensure your KYC details, including your bank account number, PAN, and Aadhaar, are up to date and confirmed.
• Access Online Services: After verifying your KYC, click on the "Online Services" tab. From the dropdown, select "Claim (Form-31, 19, 10C, and 10D)" to initiate the claim process.
• Verify Member Information: A screen will appear displaying your member details, KYC information, and other relevant service data. Ensure your bank account number is correct, and click “Verify.”
• Agree to the Certificate of Undertaking: Select “Yes” to confirm your acceptance of the certificate of undertaking, which is mandatory to proceed further.
• Proceed with Online Claim: Click on “Proceed for Online Claim” to move to the next stage.
• Select the Type of Claim: Choose the type of claim you wish to file from the options available: pension withdrawal, loan or advance partial withdrawal from the EPF, or full EPF settlement.

Note: Your eligibility for these options depends on meeting specific service conditions.

• Fill in Claim Details: For claims like PF Advance (Form 31), specify the reason for the advance, the requested amount, and provide your current address.
• Submit and Upload Documents: Complete your application by clicking the certificate button. Depending on the claim type, you may need to upload scanned copies of required documents.

After following these steps, your PF claim will be processed as per the specified guidelines.

Check Your EPF Statement Online – Step-By-Step Complete Guide

How to Enter the PF Withdrawal Exit Date?

• Log in to the UAN Portal: Visit the UAN portal and log in using your Universal Account Number (UAN) and password.
• Navigate to the ‘Manage’ Tab: Once logged in, click on the 'Manage' tab in the menu.
• Select ‘Mark Exit’: Under the 'Manage' tab, choose the ‘Mark Exit’ option.
• Choose Employer from Drop-down Menu: A drop-down menu will appear, allowing you to select your previous employer.
• Enter Required Details: On the next page, you will be prompted to enter your birthdate, joining date, and exit date. The exit date should correspond to the date mentioned in your resignation letter or the date of your departure from the company.
• Verify the Exit Date: After entering the details, go to the ‘View’ tab and select ‘Service History’. Here, you can check if the exit date has been successfully updated.

By following these steps, employees can now directly input their exit date for PF withdrawal, a feature that was previously only accessible to employers.

Verify the Status of PF Withdrawal?

• Log in to the UAN Portal: Visit the UAN portal and log in using your Universal Account Number (UAN) and password.
• Navigate to ‘Track Claim Status’: Once logged in, go to the 'Online Services' page and select the ‘Track Claim Status’ option.
• Enter Reference Number: You will be prompted to enter your reference number, which is provided when you submit the PF withdrawal request.
• Check the Status: After entering the reference number, the screen will display the current status of your PF withdrawal claim.

By following these steps, you can easily track the progress of your PF withdrawal application.

Summary of How To Withdraw PF Amount Online 2025

To withdraw your EPF online, log in to the UAN portal with your Universal Account Number (UAN) and password. Update your KYC details, select "Online Services," and choose the claim type (full or partial withdrawal). Verify your information, agree to the certificate of undertaking, and submit the required documents. Your claim will be processed thereafter.