How to Withdraw Provident Fund (PF) Online

If you also want to withdraw your entire PF (Provident Fund) balance online while sitting at home, then the process has now become much easier in 2025. Every month, a part of your salary is deposited in your PF account by you and your employer, along with pension and interest contributions from the government. Now, with just an Aadhaar-based OTP, you can withdraw this money—without the hassle of uploading cheque books or passbooks for bank verification.

List of Required Documents for PF Withdrawal Online

The following documents are necessary for withdrawing the PF amount:

• Universal Account Number (UAN)
• Bank account details of the subscriber of EPF
• Identity and address proof
• Canceled cheque with IFSC code and account number

Steps to withdraw PF online using Universal Account Number (UAN)

Step 1: Visit the Official PF Member Portal

1. Open your browser and search for EPFO Member Home.
2. Always ensure you are on the official EPFO website, as many fake sites exist.

Step 2: Login with UAN and OTP

1. Enter your UAN (Universal Account Number) and password.
2. An OTP will be sent to your registered mobile number. Enter it to log in.
3. Once logged in, you can see your profile details like UAN, name, and date of birth.

Step 3: Check KYC and Service Details

Before applying for withdrawal, make sure:

• Your PAN, Aadhaar, and Bank details are updated and approved in KYC.
• Under Service History, ensure that the Date of Exit is added.
  • The Date of Exit must be at least 60 days old for full withdrawal.
    
  • For advance withdrawal, the Date of Exit is not required.
    

If you have worked in multiple companies, transfer your old PF balances to the latest account to withdraw everything at once. Both date of exit update and fund transfers can be done online.

Step 4: Apply for PF Withdrawal

1. Go to Online Services → Claim (Form-31, 19, 10C & 10D).
2. Enter and verify your bank account number.
3. Select the type of claim:
   • Form 19 – Withdraw employee + employer contributions.
     
   • Form 10C – Withdraw government pension contributions and interest.
     
   • Form 31 – Advance PF withdrawal (loan/partial withdrawal).
     
   • Form 10D – For pension withdrawal.
     

Step 5: Understanding Advance PF Withdrawal (Form 31)

If you want to withdraw money without leaving your job:

• Select Form 31.
• Choose the reason (for example, illness).
• You can withdraw up to 90% of your contribution (not employer’s share).
• Fill in your address details.
• No need to upload cheque or passbook—your bank details are digitally verified.
• Agree to terms, submit Aadhaar OTP, and your claim will be processed.
  

Step 6: Full PF Withdrawal (Form 19 + Form 10C)

• Select Form 19 for withdrawing your PF balance.
• You may be asked to upload Form 15G to avoid TDS deduction (if your annual income is below ₹3 lakh and service period is less than 5 years).
• Fill in your address and submit using Aadhaar OTP.
• Then proceed with Form 10C for pension withdrawal.
  

Step 7: Track Your Claim

After submission, you can track your withdrawal request:

• Go to Online Services → Track Claim Status.
• Here, you can see whether your claim is approved, settled, or rejected.

Key Highlights of PF Withdrawal 2025

• No cheque/passbook upload required – bank details are digitally verified.
• Aadhaar OTP-based submission makes the process faster.
  
• Advance withdrawal option available without leaving your job.
• Form 15G can help avoid TDS for eligible employees.
• Entire process can be completed online at home.

Similar post: How to Check my Provident Fund (PF) Account Number?

When can PF be withdrawn completely/partially?

Individuals can either opt for a complete or partial withdrawal from their Employee Provident Fund (EPF). Let’s discuss when a complete withdrawal or a partial withdrawal is permissible:

Complete Withdrawal

When it comes to complete withdrawal from EPF, there are two scenarios under which it is permissible.

1. In case of retirement: when a person retires, he can withdraw his PF completely.
2. In case of unemployment: If someone is employed for more than a month, he is permitted to withdraw 75% of his total EPF accumulation. If he stays unemployed for more than two months, the remaining 25% can also be withdrawn.

Individuals cannot withdraw their EPF balance completely while transitioning between employers, unless they are unemployed for a period of a minimum of two months.

Partial Withdrawal

An individual can opt for partial EPF withdrawal under specific conditions, such as the following:

1. Medical needs: An employee can withdraw the employee’s share with interest or 6 times the monthly salary, whichever is lower, from PF for medical needs of self, spouse, children and parents. For this kind of withdrawal, there’s no lock-in period or minimum service period.
2. Marriage: After an employee has completed 7 years of service, he can withdraw upto 50% of PF for his purpose of marriage, his son or daughter’s marriage or his brother or sister’s marriage.
3. Education: After an employee has completed 7 years of service, he can withdraw up to 50% of the employee’s contribution for his or his child’s education post-matriculation.
4. Land or house purchase/construction: PF can be withdrawn partially from the EPF for purchasing/constructing a plot. The property must be registered in the name of the employee or held jointly with the spouse. For this, the employee must have completed a minimum of 5 years of service. PF can be withdrawn for this purpose only once in the entire service tenure.
5. Home loan repayment: An employee can withdraw up to 90% of the corpus for repaying the outstanding home loan provided that the house is registered in his name or held jointly with the spouse. However, for this, the employee must have completed a minimum of 3 years of service.
6. House renovation: For this, the employee must complete 5 years of service. He can withdraw 12 times his monthly salary from his PF account. This is only applicable if the property is in the employee’s name or jointly with the spouse. This can be availed only twice i.e., after 5 and 10 years of house completion.
7. Before retirement: After the employee reaches the age of 58, he can withdraw 90 percent of the PF with interest, provided the withdrawal takes place within one year of retirement.

Conclusion

The PF Withdrawal New Process 2025 is more streamlined, user-friendly, and paperless than ever before. With just Aadhaar OTP verification, employees can withdraw their full PF amount or request advance funds without unnecessary delays.

This online system ensures transparency, speed, and ease for all PF account holders in India.