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

  • 4 days pahlay 31 epf submite kiya
    Mera bank details pan card aAdhar card and election card 4 month pahlay UAN may update kordiya to mereko kitna din bad miljiga

    • Dear Sahar,
      If it is offline claim, EPFO may take 2 to 4 weeks to settle the claim.
      Online claims are generally settled within 10 days.

  • Hi, I have applied for PF advance for illness purpose 5 days ago. Is there any minimum service period to claim advance for medical purpose. I have completed 5 months of my service now.

  • Hi,

    I would like to know if i with partial amount from my PF i would like to know do I have to refund that amount or it is non refundable?
    I have to 2 PF account one is with ma previous company where i have served almost 2 year. Do i have transfer that amount to my new PF account and then claim?
    And how long this procedure take place for getting transfer and for settlement. Please help with the info.

    Thank you.

    • Dear Ananth,
      TDS is not applicable for partial withdrawals.
      EPFO generally settles online claims within 10-15 days.

  • Dear Sir,

    My service hasn't completed 5 years. i wanted to take PF Advance (Form-31) Online with the reason of Illness. Amount would be 50000/-. i have submitted my PAN as wel. In such case, TDS of 10% will be deducted or not at the time of releasing the payment?

  • Hi Sreekanth
    I have withdrawn my PF partially in Nov'2014 for purchasing new flat. Now I want to withdraw again (2nd time).
    Is it possible to withdraw PF 2nd time , if so please guide me with sufficient reason.
    I have completed 11.5 yrs in job as of now with same PF account.
    Regards
    Ravindra

    • Hi Sreekanth,

      My parental house needs urgent renovation.Presently I do not have any further eligibility for taking any Home Loan/Personal Loan as i have reached the maximum limit while borrowing a Home loan to buya flat in kolkata.Will I be able to withdraw PF balance for repairing/constructing the parental house since that house is in the name of my father.

  • Hi,

    i had claim 17000 under para 68J but got only 10000.

    is there any rules for para 68J .

    Thank you
    Akash

  • Hello Sir,

    I have taken partial withdrawal once from my EPF under para 68J. Can I take part of my money once more. Is there any condition for second withdrawal.

    • Dear Chandra.. There is no limit for number of part-withdrawals for the purpose of medical treatment.

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