Withdraw provident fund savings online — updated for EPFO 2025/2026 rules
Information last verified: September 2026 · Always verify on the official portal before payment.
Real government fee
100% FREE. EPFO never charges any fee — no agent should be paid.
How many days
Claim processing time varies by claim type and verification. Track online via the EPFO portal / UMANG.
Who can apply
Members with an active UAN. Partial and final withdrawals are governed by EPF Scheme, 2026. Check the EPFO member portal for the current eligibility rules for your specific claim type.
Best time to apply
Complete Aadhaar / PAN / bank KYC before you need money. Face Authentication via UMANG is now the primary way to activate UAN.
Aadhaar-linked mobile (required for e-KYC and OTP verification)
PAN linked to UAN
Bank account in the member's name linked to UAN
Cancelled cheque / passbook image (if requested during claim)
Important warnings
• EPF withdrawal is 100% FREE — never pay an agent.
• EPFO's Central Board (Oct 2025) approved major simplification of partial withdrawal rules — verify the currently notified rule via EPFO's official portal or press releases before assuming eligibility.
• Waiting periods have been rationalised: check current EPFO rules for final PF settlement and EPS pension waiting periods (they were revised).
• Do not share UAN password or Aadhaar OTP with anyone.
• Withdrawing before 5 years of service attracts 10% TDS (if balance over Rs. 50,000 with PAN). EPFO itself charges zero fee.
• Name / DOB mismatch with Aadhaar may block auto-verification — fix profile before claiming.
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Step by step
1
ACTIVATE / RE-ACTIVATE UAN: Use the UMANG app > 'UAN Services Through Face Auth'. Aadhaar-based Face Authentication is mandatory for UAN generation/activation (per EPFO circulars from Aug 2025), with limited exceptions.
2
LOG IN: Open unifiedportal-mem.epfindia.gov.in with UAN + password.
3
CHECK KYC: Under 'Manage > KYC', confirm Aadhaar, PAN and bank are shown 'Verified'.
SELECT CLAIM TYPE: Form 19 (final settlement), Form 31 (partial / advance), Form 10C (pension).
6
2025 update: 13 old withdrawal clauses are now 3 buckets (Essential, Housing, Special). Minimum service is 12 months; education up to 10x, marriage up to 5x, with 25% balance safeguard.
7
CHOOSE APPLICABLE OPTION on the portal — EPFO's 2025 rationalisation simplified partial withdrawal options (uniform 12-month minimum service, higher permitted number of education / marriage withdrawals, 25% minimum-balance rule). Exact fields shown depend on the scheme provisions in force.
8
Enter the amount and complete Aadhaar OTP-based verification.
9
Track under Online Services > Track Claim Status or via UMANG.
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Frequently Asked Questions
PF withdrawal ki fees kitni hai?
EPF withdrawal 100% FREE hai. EPFO kabhi bhi kisi bhi tarah ka charge nahi leti. Agar koi agent 'processing fee' maange toh wo scam hai — pure process apne aap se ho sakta hai.
UAN activate kaise kare 2026 mein?
August 2025 se EPFO ne UAN activation ke liye Aadhaar-based Face Authentication mandatory kar diya hai. UMANG app khol ke 'UAN Services Through Face Auth' option use karo — International workers aur Nepal/Bhutan citizens ke liye exceptions hain.
PF partial withdrawal ke naye rules kya hain?
October 2025 mein EPFO's Central Board ne rules simplify kiye: uniform 12-month minimum service, education withdrawal 10 baar tak, marriage withdrawal 5 baar tak, 25% minimum balance maintain karna hai. 'Special circumstances' ka specific reason likhna hata diya gaya hai. Actual availability notified scheme provisions par depend karti hai — EPFO portal pe verify karo.
PF withdraw karne mein kitne din lagte hain?
Claim processing time claim type aur verification ke hisaab se vary karta hai. Fixed timeline promise nahi ki ja sakti — EPFO portal ya UMANG app se apne claim ka real-time status track karo.
Form 19, Form 31 aur Form 10C mein kya farak hai?
Form 19: final PF settlement jab aap PF close karna chahte ho. Form 31: partial / advance withdrawal (jaise medical, housing, marriage). Form 10C: EPS pension ke benefits ke liye (10 saal se kam service par). Composite claim me teeno ek saath bhi ho sakte hain.
5 saal se pehle PF nikale toh TDS lagta hai?
Haan, 5 saal se pehle Rs. 50,000+ ka PF nikalne par TDS applicable hota hai — PAN linked hai toh 10%, warna higher rate. 5 saal complete hone ke baad TDS nahi lagta.
Bina employer approval ke PF nikaal sakte hain?
Haan, agar aapki KYC (Aadhaar + PAN + bank) UAN se properly verified hai aur DOB/DOJ/DOL sahi hai, toh Aadhaar OTP se seedha online claim ho jata hai — employer se separate approval nahi chahiye.