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How to Withdraw PF Online: Step-by-Step Claim (2026)

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Check these first (5 minutes)
  2. Steps on the member portal
  3. Which claim to choose
  4. Tax before you submit
  5. After you submit
  6. Frequently asked questions
  7. Sources
Show only what applies to you

Pick your situation. Parts of this page that don't apply will fold away. Your choice stays on this device.

Your job now
PAN in your EPF account

Log in to the EPFO member portal (or UMANG), go to Online Services > Claim, verify your bank account, choose the claim, give the purpose and amount, and confirm with an Aadhaar OTP. No employer signature is needed when your KYC is complete. Most partial withdrawals are settled within a few days.

Check these first (5 minutes)

CheckWhereIf not OK
UAN activatedYou can log inActivate on UMANG
Aadhaar, PAN and bank under "Digitally approved KYC"Manage > KYCFix KYC
Name, date of birth and gender match AadhaarView > ProfileCorrect them before claiming
Old jobs transferred into the current member IDView > Service HistoryTransfer PF
Date of exit marked (if you left the job)View > Service HistoryMark it under Manage > Mark Exit
12 months of membership (for a partial withdrawal)Service HistorySee withdrawal rules

Steps on the member portal

  1. Log in: Online Services, Claim
  2. Verify the last 4 digits of your bank account
  3. Choose the claim type and purpose, enter the amount and address
  4. Aadhaar OTP to confirm
  5. Claim submitted: note the reference number
  6. Settled and paid to your bank
YouEPFO
  1. Log in to the member portal and open Online Services > Claim.
  2. Enter the last four digits of your bank account and click Verify. Accept the certificate of undertaking.
  3. Click Proceed for Online Claim. Choose the member ID and the claim you need (see the table below).
  4. For an advance, pick the purpose and enter the amount, within your eligible balance. Enter your address.
  5. Since April 2025 online claims don't need a cheque or passbook image when your bank account is verified in KYC. If the portal still asks for one, make sure your name, account number and IFSC are clearly visible.
  6. Click Get Aadhaar OTP, enter it and submit. Note the claim reference number.

You'll know it worked when you get an SMS confirming the claim and it appears under Online Services > Track Claim Status.

Which claim to choose

Still working

Choose the PF advance (the menu has long called this Form 31) and the purpose: essential needs, housing or special circumstances. You can take up to your eligible balance; 25% stays.

Out of work

Your date of exit must be marked. You can claim up to 75% of your PF now; the full PF final settlement (long known as Form 19) after 12 months without a job. The pension withdrawal benefit (Form 10C) is available only after 36 months, if your service is under 10 years.

Retired after 55

Choose PF final settlement for the full balance. With 10+ years of service, apply for the monthly pension (Form 10D); with less, the pension withdrawal benefit (Form 10C).

Changed job

Don't withdraw. Use One Member, One EPF Account (Transfer Request) to move the old balance to your new member ID. See transfer PF.

The portal has used these form numbers (31, 19, 10C, 10D) for years. The menu labels may change as EPFO updates the portal for the 2026 schemes; pick the option that matches what you need.

Tax before you submit

No PAN, or PAN not linked to Aadhaar: if your service is under 5 years and the amount is ₹50,000 or more, TDS is cut at a higher rate. Add a valid PAN in KYC before claiming.

If your service is under 5 years, the amount is ₹50,000 or more and you qualify for it, upload Form 121 with the claim to avoid TDS.

After you submit

Frequently asked questions

How long does an online PF claim take?

EPFO must settle claims within 20 days; most partial withdrawals are now settled automatically in a few days. EPFO's average in October 2026 was 2.57 days.

Do I need my employer's approval to withdraw?

No, if your UAN is activated with Aadhaar and your KYC and date of exit (if you left) are complete. The claim is verified with an Aadhaar OTP.

Can I cancel a claim after submitting it?

Not online once it is being processed. If you submitted the wrong claim, wait for it to be settled or rejected, or raise a grievance quickly explaining the mistake.

Sources