PF Withdrawal Checklist: Complete Documents, Forms & Steps You Must Follow

Withdrawing money from your Employees’ Provident Fund (EPF) can be simple—if you have the right documents ready and your UAN details are updated. Many claims get delayed or rejected because of mismatched KYC details, missing bank verification, or the wrong forms being submitted. This guide gives you a complete, verified PF withdrawal checklist so you can avoid errors and complete your claim smoothly. Visit This page to book appointment for our PF Withdrawal service.

Checklist

Before You Begin: What You Must Have Ready

Before applying for any PF withdrawal, make sure these essentials are in order:

• UAN is active and accessible.

• Aadhaar, PAN and bank details are KYC-verified in the EPFO system.

• Mobile number linked with Aadhaar is active for OTP-based verification.

• Bank account name matches your EPF records exactly.

• Date of exit is updated correctly by your last employer (important for final settlement).

  
  

If you worked in multiple companies, ensure your previous PF accounts are merged with your active UAN. This reduces delays during full settlement.

Documents You Need for PF Withdrawal

The documents required depend on whether you're applying online (recommended) or offline with physical forms.

For Online PF Withdrawal

If your UAN is KYC-verified, you usually need only:

• UAN login credentials

• Aadhaar (linked and verified)

• PAN (mandatory for tax deduction situations)

• Bank account details linked with UAN

• Cancelled cheque/passbook copy only if EPFO prompts for verification

  
  

Recent EPFO updates have simplified the process — fully KYC-compliant users may not need to upload any documentary proof while filing an online claim.

For Offline PF Withdrawal

If your KYC isn’t updated or you prefer visiting the EPFO office, keep these ready:

• Composite Claim Form (Aadhaar or Non-Aadhaar)

• Valid ID proof (Aadhaar/Voter ID/Passport)

• Address proof

• Cancelled cheque or passbook copy

• Revenue stamps (required for some physical submissions)

• Employer’s attestation (for Non-Aadhaar form)

  
  

Which PF Forms You Should Use

Use the correct form based on your withdrawal purpose:

• Form 19 – For full and final settlement of your EPF balance

• Form 31 – For partial withdrawal/advance (medical, education, housing, etc.)

• Form 10C – For pension withdrawal or scheme certificate under EPS

• Composite Claim Form – For offline claims (Aadhaar/Non-Aadhaar variants)

  
  

Step-by-Step PF Withdrawal Process

Online Withdrawal (Fastest Method)

1. Log in to the UAN Member Portal.

2. Verify that Aadhaar, PAN and bank details are KYC-approved.

3. Go to Online Services → Claim (Form-31, 19, 10C).

4. Confirm bank details via OTP authentication.

5. Choose the type of claim you wish to file.

6. Upload documents only if prompted by the system.

7. Submit the claim and note your reference number.

8. Track your claim status in the portal until payment is credited.

   
   

Offline Withdrawal (If KYC Not Updated)

1. Download the correct Composite Claim Form.

2. Attach ID proof, address proof, and cancelled cheque.

3. Get employer attestation (if using the Non-Aadhaar version).

4. Submit the form at your regional EPFO office.

5. Track the status through the EPFO portal or via SMS updates.

   
   

Avoid These Common Mistakes

• Name, date of birth and bank details not matching across documents

• Incorrect IFSC or wrong bank account number in UAN

• Submitting an unverified exit date

• Using someone else’s bank account for settlement

• Uploading blurry or invalid cheque/passbook copies

  
  

Fixing these issues before applying can significantly speed up your withdrawal.

Need Personal Assistance? — Contact Us

Contact Us

If you want help with your PF withdrawal, documentation, KYC corrections or choosing the right form, contact us. Our support team can walk you through every step and help you avoid delays or claim rejections.