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PF Withdrawal Tutorial 2026 — Step-by-Step Guide to Apply Online & Offline

Updated: 2 days ago


EPFO logo featuring three figures inside a red and blue gear symbol. Surrounding text reads: Employees' Provident Fund Organisation, India.

With updates to the EPFO system and claim rules, withdrawing your Provident Fund (PF) in 2026 has become faster and much simpler. Whether you want a full PF settlement, partial withdrawal / advance, or pension withdrawal, this tutorial walks you through the entire process from start to finish — without confusion or delays.


Before You Start — Mandatory Checklist


Make sure these details are updated on the UAN Member Portal before applying:


  • Active UAN login

  • Aadhaar linked and verified

  • Bank account + IFSC seeded and verified

  • PAN (only mandatory in cases where TDS applies under income tax)

  • Employer has updated your exit date, if applying for full withdrawal


NOTE : Wrong or unverified KYC is the No.1 reason PF claims get rejected.

Step-by-Step — How to Withdraw PF Online (2026)


If Aadhaar and bank KYC are linked, online withdrawal is the fastest method.

  1. Visit the UAN Member Portal and log in→ Go to Manage → KYC and ensure Aadhaar & bank details are approved.

  2. Navigate toOnline Services → Claim (Form-31, 19, 10C & 10D)

  3. Enter bank account number and verify

  4. Click Proceed for Online Claim

  5. Under I Want To Apply For, choose the correct option:

    • PF Final Settlement (Form 19)

    • PF Advance / Partial Withdrawal (Form 31)

    • Pension Withdrawal (Form 10C / 10D)

  6. Fill the required details → Authenticate via Aadhaar OTP

  7. Note down the Claim Reference Number

  8. Track progress underOnline Services → Track Claim Status

Average payout time: 5–20 working days (if documents/details are correct)


Step-by-Step — PF Withdrawal Offline (2026)

Use this method only if online claim is not possible.

  1. Download the Composite Claim Form

    • Aadhaar version → If Aadhaar & bank are linked

    • Non-Aadhaar version → If Aadhaar is not linked (needs employer attestation)

  2. Fill the required details: name, UAN, PF number, Aadhaar (if applicable), exit date, bank details, postal address, withdrawal reason

  3. Attach supporting documents:

    • Copy of cancelled cheque / bank passbook

    • ID proof (if asked)

  4. Submit the form to your jurisdictional EPFO regional office

  5. Track claim using SMS notifications or visit the PF office

Offline processing time: depends on verification & regional office workload

Quick Guide — Which Form to Use?

Purpose of Withdrawal

Form / Method

Full PF Final Settlement

Form 19 / Composite Claim Form

Partial Withdrawal / Advance

Form 31 / Composite Claim Form

Pension Withdrawal (EPS)

Form 10C / Form 10D

Withdrawal Without Aadhaar

Composite Claim Form (Non-Aadhaar) + Employer attestation

Avoid Rejection — Common Mistakes to Watch Out For

✔ Aadhaar name must match UAN ✔ Bank account details must match UAN data ✔ Exit date must be updated by employer for full settlement ✔ Select correct purpose for Form 31 (advances) ✔ Don’t request more than allowed for the withdrawal category


NOTE : Always take screenshots and save the Claim Reference Number until payment is received.

PF Withdrawal FAQ (2026)

1. Can I withdraw PF while still working? Full withdrawal — Not allowedPartial withdrawal (advance) — Allowed for approved purposes

2. How long does PF withdrawal take? Online: 5–20 working daysOffline: varies by office workload

3. Is PAN compulsory? Only if withdrawing PF within 5 years of service where tax (TDS) applies.

4. Can I withdraw PF without Aadhaar? Yes — via offline Composite Claim Form (Non-Aadhaar), with employer attestation.

5. Does PF continue to earn interest after leaving job? Yes — PF continues earning interest until the year preceding withdrawal.

6. What if my bank account linked to UAN is closed? Update new bank details in KYC, get them approved by employer, then reapply.

7. Does PF withdrawal automatically withdraw pension? No. Pension (EPS) withdrawal must be applied separately using Form 10C / 10D.

8. What if I have multiple PF accounts? Merge them under one UAN before final settlement to avoid delays.

Final Words


PF withdrawal in 2026 is easy if your UAN KYC is correct. Always use online mode when possible — it is significantly faster and eliminates the need for employer signatures.

Read More

To understand EPF withdrawal end-to-end along with forms and eligibility, refer to this guide from SS Auditor : PF Withdrawal – The Ultimate Guide (Step-by-Step Process Explained)


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