PF Withdrawal The Ultimate Guide: Step-by-Step Process Explained
- SS AUDITORS AND TAX CONSULTANTS
- 13 hours ago
- 2 min read
PF Withdrawal Options
Provident Fund (PF) withdrawal in India can be executed through two main avenues: online via the EPFO Member e-Sewa portal or offline by physically submitting claim forms to the respective EPFO office. Online withdrawal is advantageous for members with activated Universal Account Numbers (UAN) that are fully KYC compliant, allowing for a paperless process without requiring employer approval. Offline withdrawal still uses Composite Claim Forms (either Aadhaar or Non-Aadhaar-based) depending on your KYC status and involves submitting physical documents to regional offices.
Withdrawal Limits and Eligibility
Complete Withdrawal
Complete PF withdrawal is permissible after at least two months of unemployment or upon retirement. The latest rules allow for withdrawal of up to 75% of your PF balance immediately after unemployment, with the remaining 25% accessible after 12 months. Pension withdrawals have a longer waiting period of 36 months post-unemployment.
Partial Withdrawal
Partial withdrawal is granted for specific conditions such as medical emergencies (up to 6 months’ wages), children’s education (with up to 10 permitted withdrawals), marriage-related expenses (up to 5 withdrawals), home purchase or renovation (up to 90% of corpus after minimum tenure), and other special cases like company closure. Each category specifies distinct minimum service periods and withdrawal limits.
Online PF Withdrawal Process Using UAN Portal
Visit the UAN Portal.
Log in using your UAN credentials.
Verify whether Aadhaar, PAN, and bank details are KYC verified under the ‘Manage KYC’ section.
Navigate to ‘Online Services’ and select ‘Claim (Form 31, 19, 10C & 10D)’.
Enter and verify your bank account number.
Consent to the undertaking certificate digitally.
Choose your claim type: Full withdrawal (Form 19), partial withdrawal (Form 31), or pension (Form 10C).
Fill in withdrawal details including the claim amount, purpose, and address.
Submit your application after verifying an Aadhaar OTP.
Track the status of your claim online until disbursement.
Tax Implications and Documents Required
PF withdrawal amounts are tax-free if contributions have continued uninterrupted for at least five years. Early withdrawals before completion of five years are taxable, with TDS deductions applicable on amounts exceeding ₹50,000 unless PAN details are furnished. Required documents include the UAN, bank details with IFSC, identity and address proof, and a cancelled cheque if KYC is incomplete. KYC-compliant members no longer need to submit bank cheques or passbooks to expedite processing.
Need Expert Assistance?
Handling PF withdrawals and related tax or compliance matters can be complex. For hassle-free processing, professional help from experts like SS Auditors & Tax Consultants (EPF Registration and Compliance) can ensure complete regulatory adherence and timely PF withdrawal services.
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