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To claim your PF withdrawal online:
Log in to the EPFO Member Portal, go to Online Services > Claim (Form-31, 19, 10C & 10D), and submit using Aadhaar OTP.
Check three things before you file:
Ensure your UAN is linked with Aadhaar, PAN, and your bank account for a seamless process.
Yes, but only on specific grounds since 29 June 2026. You can withdraw 100% of your PF amount on retirement at 55 or above, in case of permanent disability, retrenchment, VRS, or permanent migration abroad.
If you have simply left a job, you can take up to 75% straight away. The rest 25% needs a 12-month wait, and the EPS pension corpus can be withdrawn after 36 months.
Eligible PF withdrawal claims under the auto-settlement process are targeted for settlement within 3 days. The auto-settlement limit for eligible advance claims is now ₹5 lakh.
Claims that do not qualify for auto-settlement or require additional verification, such as KYC or Date of Exit checks, may take longer. The EPF Scheme 2026 provides a 20-day timeline for settlement of complete claims, with penal interest provisions for unjustified delays beyond this period.
No. In most cases, if your UAN is Aadhaar-linked and KYC is verified, you can complete an online PF withdrawal without employer approval, since Aadhaar OTP replaced employer attestation.
If your PF has any errors or if your KYC is not linked, you may still need your employer's approval and auto-settlement only runs if your employer digitally approved your KYC.
The documents required for PF withdrawal are:
12 months for full and final withdrawal. The EPF Scheme 2026 extended the PF withdrawal waiting period after resignation from 2 months to 12 months, effective 29 June 2026.
You can still withdraw up to 75% of your balance right after leaving. Only final settlement of the remainder needs the 12-month wait. The EPS pension corpus needs 36 months.
The wait does not apply on retirement at 55+, disability, retrenchment, VRS or permanent migration abroad.
Yes. Partial PF withdrawals are permitted while you are still employed, subject to the applicable conditions under the EPF Scheme 2026.
Withdrawals are allowed for purposes such as:
A minimum of 12 months of total service is required for partial withdrawals. Up to 75% of your eligible PF balance can be withdrawn, while 25% is retained as a minimum balance. In case of unemployment, the retained 25% can be withdrawn after one year.
The amount and frequency of withdrawal depend on the purpose and applicable rules.
To check your PF withdrawal status online:
You can also use the UMANG App:
✅ Make sure your mobile number is linked to your UAN to access these services.
No. The EPF Scheme 2026 does not reset or replace your existing PF balance or UAN. Your accumulated PF balance, past contributions and existing UAN continue under the new scheme.
What changed is withdrawal conditions, waiting periods and the new 25% minimum balance.
Yes. NRIs can withdraw their PF amount online through the EPFO Member Portal or UMANG, without visiting India.
Permanent migration abroad allows full withdrawal. To file: verify Aadhaar, PAN and your NRO account under Manage > KYC, go to Online Services > Claim, select abroad settlement, and upload your passport, visa or PR proof, and NRO account proof.
To receive an OTP, have an active Aadhaar-linked mobile number.
If you're an NRI planning to withdraw your PF from India and need help with the process, book a call with our team.
Yes, if you withdraw before 5 years of continuous service. PF withdrawals are taxable for NRIs as follows:
Form 15CA/15CB applies when you repatriate funds from your NRO account, not to the withdrawal itself.
NRIs should use a Non-Resident Ordinary (NRO) bank account for PF withdrawals. The EPFO mandates that the bank account linked to your UAN must be an Indian account, and NRO accounts are suitable for this purpose.
Form 13 is the official document used to transfer your Provident Fund (PF) account from a previous employer to your current one. It ensures the consolidation of your PF contributions under a single Universal Account Number (UAN), maintaining continuity in your employment history and benefits.
To merge multiple PF accounts:
Log in to the EPFO Member Portal and go to Online Services > One Member - One EPF Account (Transfer Request). Enter your previous PF account details and submit with Aadhaar OTP.
Employer attestation is no longer needed for most transfers, and EPFO now triggers many transfers automatically on a job change, so check whether yours has already happened.
Merging keeps your service continuous, which makes a withdrawal tax-free after 5 years.
You can check your PF balance without UAN. You just need a UAN-linked mobile number.
Without logging in:
If you don't have a UAN, you can generate one using your Aadhaar through the EPFO Member Portal. After generating your UAN, activate it and link your Aadhaar-linked mobile number. You can then use the missed-call or SMS service to check your PF balance.