EPF / PF Withdrawal

Who can use this

• All EPF members with active UAN
• Members who have retired or left employment
• Members facing financial hardship (medical, education)
• Members transferring to new employer
• Members aged 55+ (partial withdrawal)
• Members with 5+ years of EPF contribution (full withdrawal)

Who cannot use this

• Members with outstanding loans on EPF account
• Members with pending pension claims
• Members below 5 years of contribution (except for specific reasons)

Documents required

• PAN card
• Aadhaar card (linked to UAN)
• Bank passbook (first page) or bank statement
• Medical documents (if withdrawal for medical emergency)
• Form 19/10C/31 (if applicable for withdrawal)
• Residence proof (if address change needed)
• Employer's relieving letter (if separated)

Step-by-step process

1. Visit EPFO Member Self Service Portal — Go to https://unifiedportal-mem.epfindia.gov.in. Click 'Sign In' at the top right. Select 'Member' login option.
2. Log in with UAN and password — Enter your 12-digit UAN (Universal Account Number) and password. If first time, use default password or 'Forgot Password' to reset. Complete OTP verification on registered mobile.
3. Verify Aadhaar-linked KYC status — After login, the portal shows your dashboard. Check if your Aadhaar-linked KYC is complete. If pending, go to 'Know Your Member' section to complete Aadhaar verification.
4. Complete Aadhaar OTP verification (if KYC pending) — Click 'Complete KYC'. Enter your Aadhaar number. Click 'Send OTP'. You will receive OTP on Aadhaar-linked mobile. Enter OTP to verify and activate KYC.
5. Navigate to 'Withdraw Funds' or 'Claim' section — From the dashboard, click 'Withdrawal' or 'Claim' tab. You will see withdrawal/claim options including Final Settlement, Partial Withdrawal, and Transfer forms.
6. Select withdrawal reason and form — Choose your withdrawal reason: Retirement (Form 10C), Resignation/Separation (Form 19), Medical Emergency (Form 31), Transfer (Form TDS). Click 'Proceed'.
7. Fill withdrawal form with personal and claim details — Enter your personal details (name, DOB, Aadhaar), EPF account details (UAN, employer name), and claim details (reason, amount, dates). Verify all information is accurate.
8. Provide withdrawal amount and bank details — Enter the amount you wish to withdraw (system shows available balance). Provide your bank account number, IFSC code, and account holder name. Ensure account details are correct.
9. Upload supporting documents (if required) — Depending on withdrawal reason, upload necessary documents: medical certificates (for medical withdrawal), resignation letter or relieving letter (for separation), or property documents (for home purchase).
10. Review withdrawal form before submission — The portal shows a summary of all entered information: member details, withdrawal amount, bank account, reason, and documents. Verify accuracy of each field.
11. Submit withdrawal claim online — Click 'Submit Claim'. The system will process and show a claim reference number. You will receive email and SMS confirmation with claim status.
12. Track claim status on portal — Return to dashboard and click 'My Claims' or 'View Status'. Enter claim reference number. Portal shows status: Submitted, Under Processing, Approved, Paid, or Rejected.
13. EPFO processes and approves claim — EPFO verifies documents and processes the claim. Typically takes 3-7 working days. Any defects or missing information will be notified via email.
14. Receive EPF amount in bank account — Once approved, EPFO transfers EPF amount to your registered bank account via NEFT. Amount will be credited within 2-3 business days after approval.
15. Download claim approval and payment proof — Log back into portal, go to 'My Claims', and download the approved claim letter and payment acknowledgement. Keep for records.

Related reading

• EPF Withdrawal & Transfer: UAN, Forms 19 / 10C / 31 / 13 & Tax
• Import Export Code (IEC) Registration on the DGFT Portal (2026)
• Shops & Establishment Act Registration in India: State Process & Rules (2026)