Categories: Fixed Income (FD,RD,PF..)

EPF Partial withdrawal (PF Advance) for Medical Treatment

An EPF (Employees Provident Fund) member can withdraw his/her PF balance partially for different kinds of purposes like ; for purchase of House / Flat, Site, Construction of house, to meet marriage expenses etc.,

An EPF subscriber can also take EPF advance for the purpose of medical treatment of self / family members. As of now, to make a partial withdrawal for medical treatment, a member has to submit a doctor’s certificate (medical certificate) along with the partial withdrawal form.

To add further convenience to EPF subscribers, an EPF member will no longer be required to submit any Medical certificate or any other certificate or document or proforma whatsoever to avail PF advances for medical treatment purposes.

This new guideline has been included and amended under paragraph 68-J or under paragraph 68-N of EPF Scheme 1952.

EPF members will now only be required to submit a self-declaration for the advance in case of illness of members/ dependents. Differently abled members will also get advance on the basis of self-declaration. No minimum years of service is required.
Kindly note that ‘self-declaration’ has already been included in the EPF New Composite Claim form.

New Composite Claim Form for EPF Partial Withdrawal

The EPFO has recently introduced single page Composite Claim Form for full / partial withdrawals. You can use these new forms to take PF advance for medical treatment.

  • EPF Composite Claim Form (Aadhar) : If your UAN has been seeded with Aadhar and bank details, this form can be submitted for all types of withdrawals. The attestation of employer is not required and this form can be submitted to EPFO directly. Click on the below image to download New EPF Composite Claim Form (Aadhar).
  • EPF Composite Claim Form (Non-Aadhar) : If your UAN has not yet been seeded with Aadhar and bank details, this form can be submitted for all types of PF withdrawals. The attestation of employer is required and the form has to routed through an employer. Click on the below image to download New EPF Composite Claim Form (Non-Aadhar).

A couple of weeks back, the EPFO has also allowed its members to withdraw up to 90% of EPF balance for purchase of House / flat / site / construction of house.

It is nice to see these new initiatives being taken up by the EPFO but they also need to make sure that their online portals are up and live 24/7 (EPFO UAN based portals have been down due to some technical issues for the last many weeks). Also, let’s hope that EPFO will launch their online PF withdrawal facility soon 🙂

A word of advice ; Your EPF contributions / savings are meant for your retirement (long-term). So, think twice before you withdraw your PF money. Try out all the options and sources to fund your expenses or needs. EPF Partial Withdrawals should be your last resort.

(Post first published on : 28-April-2017) (Source : PIB)

This post was last modified on December 22, 2025 11:09 pm

Sreekanth Reddy

Sreekanth is the Man behind ReLakhs.com. He is an Independent Certified Financial Planner (CFP), engaged in blogging & property consultancy for the last 14 years through his firm ReLakhs Financial Services . He is not associated with any Financial product / service provider. The main aim of his blog is to "help investors take informed financial decisions." "Please note that the views given in this Blog/Comments Section/Forum are clarifications meant for reference and guidance of the readers to explore further on the topics/queries raised and take informed decisions. The information provided, therefore, should not be viewed as financial, legal, accounting, tax or investment advice."

View Comments

  • in EPFO portal shows your claim has been settled on 24th of this month and money has been transferred by NEFT 25/05/2018.....but still i did'nt get amount ....any suggetion?

    • Dear RASUL..It takes 2 to 5 business days from the claim settlement date to get the credit in your bank account.

  • Hi Sreekanth,
    I have over 13 years of experience where 11 years i have with an organization where PF was maintained via internal trust and later on i moved to another organization where PF is maintained by EPFO (government). I had my PF transferred and its done. I tried to claim PF advance but it got rejected with INSUFFICENT SERVICE. I thought if there was no break in the service, my claim should have been processed successfully. Any idea how to proceed?

    Thanks
    fasi

    • Dear Fasiuddin,
      Based on the information provided, ideally your Part withdrawal claim should have been processed.
      May I know the purpose of withdrawal?

      Suggest you to submit your grievance to the EPFO..click here..

  • PAN verification failed(does not match with the name in income tax department) can u plz tell me how should i update my pan card ?

    • Dear Rasul,
      You may have to get your name corrected either in PAN card or EPF UAN (as required).
      You can visit NSDL website for PAN data correction.
      For UAN name correction online procedure..kindly go through this article..

  • i have my employee share 32000.... so can i eligible to take 25000rs for illness purpose?

    • Dear Rasul,
      “For the purpose of ‘medical treatment’, the least of 6 months basic wages (or) employee share with interest is allowed as partial withdrawal.”

      • thank you for response....i just want to know am i eligible or not ...figures are there 35k i have employee share ....want to take 25k ...eligible?

  • Hi team , I have raised the request on 4th Apr 2018 , but for so long the status has been UNDER PROCESS , but now it 's showing CLAIM SETTLED . But I have not received the money till now into my account . It has been more than a month since I have applied . How long do i have to wait more .

    • Dear Abinash ..The claim amount generally gets credited within 5 business days from claim settlement date.

    • Dear vijay,
      If partial claim is say for medical treatment then one can withdraw funds multiple times, but if it is in same month there should be eligible balance right, for partial withdrawal??

  • Dear Sunil,
    Has your employer verified your bank details under kyc?
    You also have the option of applying for partial withdrawal through offline mode as well..

    Hi
    Can’t I make through
    online withdrwal now
    If I do online is there any problem to get credit to account or will be delay

  • Hi
    In EPF UAN portal in KYC details showing PAN online verification status unverified, if I update PAN in add KYC it's coming pan verification failed
    (Name against UAN does not match with Name in the income tax department )
    If I opt for PF advance for medical illness or treatment it will get credit to my account or will not credit due to this problem

    Note : Bank details are updated correctly and it's showing online verification status N/A

    Kindly suggest how to go head

  • Hi,

    I have applied the Partial withdrawal Rs.50000 for Illness. The same has been applied through EPF portal. Although, the status shown as "Under Process" from 11-April-2018. I'm not sure how many days it will take to get the Money.

    Thanks,
    Mani

    • Hi, My name is Bharat . I have applied for the partial pf on 16 April since than it is just showing Under process .. However my colleague applied on 1 st April and get got his money in just 4 days .. why it is taking too long in my case., we have same joining and same pf amount applied but mine is under process and he got his money .. How long it gonna take bcoz no help line no is working, no one reply on email .. UMANG application chat system says if u have applied from our applications than u will receive in max 10 working days .. plz help

      • Dear Bharat ..Some tech issues it seems since 1st week of April till 3 rd week, that could be the reason for the delay.
        You may submit your grievance to the epfo online..click here..

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Sreekanth Reddy
Tags: EPF Advance for Medical TreatmentEPF Partial Withdrawal
December 22, 2025

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