Withdraw PF After Leaving a Job: 75% Now, the Rest in 12 Months
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If you have left your job and are not working, you can withdraw up to 75% of your PF straight away and the remaining 25% after 12 months of continuous unemployment. The pension (EPS) part can be taken only after 36 months, and only if your service is under 10 years. If you have joined a new job, transfer the PF instead.
Your situation
Out of work
Follow the steps below. The money is yours; the waiting periods exist so that people who find a new job soon don't lose their retirement savings and pension service.
Joined a new job
Transfer, don't withdraw. With your UAN, the new employer adds a member ID; you then transfer the old balance into it. Your service stays continuous for pension and tax. See transfer PF. If you need money while working, a partial withdrawal is possible after 12 months of membership.
Retired after 55
The waiting periods don't apply: you can withdraw your full balance. See withdrawal rules.
When you can take what
- Last working day; employer marks date of exit
- Now: up to 75% of PF
- 12 months without a job
- Remaining 25% of PF (final settlement)
- 36 months without a job
- Pension money, if service is under 10 years
The pension part (EPS)
With less than 10 years of pension service, you can take the pension money as a lump sum (the "withdrawal benefit", old Form 10C) only after 36 months without a job. Until then it stays with EPFO. If you take a new job within that time, your pension service simply continues, which is usually better: 10 years of service gives a pension for life.
With 10 years or more of pension service, you can't take the pension money in cash. You get a monthly pension from 58 (or a reduced one from 50). Keep your service record safe; ask for a scheme certificate if you want proof of your service.
How to claim
- Check that your date of exit is marked: member portal, View > Service History. If your employer hasn't marked it, use Manage > Mark Exit (possible two months after your last contribution).
- Check KYC: Aadhaar, PAN and bank must be verified and approved. See KYC.
- Go to Online Services > Claim, verify your bank account and choose the withdrawal. Step by step: withdraw PF online.
- After 12 months without work, file the final settlement for the remaining balance.
Tax
Your service is under 5 years, so the withdrawal may be taxable. If the amount is ₹50,000 or more, TDS is cut: 10% with a valid PAN, more without. If you qualify (tax on your income is nil, plus a further limit under 60), upload Form 121 with your claim. Service with earlier employers counts if you transferred the PF.
With 5 or more years of continuous service (including transferred service), the withdrawal is generally tax-free.
Frequently asked questions
Can I withdraw my full PF 2 months after resigning?
Not any more. Under the 2026 rules you can take up to 75% straight away, and the remaining 25% after 12 months of continuous unemployment.
I resigned and joined a new job after a month. Should I withdraw?
No. Transfer the old PF to the new member ID. Withdrawing breaks your service, which affects your pension and the 5-year rule for tax-free withdrawals.
Who marks my date of exit?
Your employer usually does. If they haven't, you can mark it yourself on the member portal two months after your last PF contribution.
Related guides on our other websites
Sources
- PIB, 13 Oct 2025: 238th CBT meeting (premature final settlement from 2 to 12 months; final pension withdrawal from 2 to 36 months).
- EPFO: Wage ceiling FAQs (up to 75% withdrawable; 25% minimum balance).
- EPFO member portal (Mark Exit, Claim), accessed 5 Nov 2026.
- Income Tax Department (TDS, Form 121).