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

  • Hi Sreekanth,

    I have requested for EPF Advance through Online Claim.

    Please find the below details.
    CLAIM RECEIPT DATE 23/01/2019
    CLAIM FORM TYPE Form-31 (EPF Advance)
    PARA DETAILS Illness
    TOTAL AMOUNT APPROVED N/A
    DISPATCH DATE N/A
    CLAIM STATUS Status Not Available
    REMARKS NA

    1. In general,how many days will it take to to get the amount into our bank account.

    2.For me why the status is mentioned as “Status Not Available”.

    This is my first PF withdrawal.Do I need to submit any medical certificate for the same?

    Kindly Help

    Thanks
    Abhi

  • Dear Sir,
    I had claimed online for withdrawal of my full PF fund (19 & 10C), Employee & Employer (form 19 )amount was transferred to my bank account but Pension fund (10C) is rejected 3 times after claimed ,my DOJ is 01.June.2016 & DOE is 31.March.2018, how can I withdraw my Pension fund, please suggest.

    Thanking you

      • Sir, I am working in MNC their PF is under Trust for Medical loan against PF they are asking Supportings ,Kindly let me know what kind of documents i need to submit

        • Dear LALITHAPRIYADHARSHINI,
          As per the EPFO, no supporting documents (medical advice, lab reports, medical prescriptions etc) are not required for partial withdrawal (for the purpose of medical treatment)..

      • Hi Mr. Srikanth Reddy
        My self Sultan Ahmed i wiorked for adecco then tata motors i claimed tata motors pf but still not from adecco and i joined for the another company called teletext india, Now im trying to transfer from adecco to the teletext india it has not work out, so while working for the teletect india can i withdraw full pf of abandoned adecco or not please help

        Thanks & Regards
        Sultan Ahmed

        • Dear sultan ..Is your EPF a/c with Adecco linked to UAN? (Are all three accounts linked to same UAN and seeded with Aadhaar?)

          • yes sir, 100% i want to withdraw my adecco pf if it cant transfer to the my latest company teletext india

          • no all ready i tried to transfer but in pf portal it is showing claim settled but for the 0 amount transfer to the latest company, thats way im want to withdraw my pf from adecco aa this trust is maintaning pf thier own,

          • Dear sultan.. Then in that case, you can approach your ex-employer (Adecco) and submit the withdrawal claim form..

  • Hi Sreekanth,

    On 18th Jan 2019, i have applied online claim with Illness. Today i got amount of 1,85,000 to my account. But i required more amount so i want to apply again with same reason(Illness). Is EPFO will allow for one more time partial withdrawl online?

    • Dear TNReddy,
      I have noticed EPFO accepting up to 3 to 5 online claim withdrawals (partial) in a Financial year. (Subject to other eligibility conditions)

      • Thanks for inf Sreekanth...do have any idea about minimum gap required between two claims with Illness

        • HI Sreekant Reddy

          I working In organization since 7.5 years, I want Partial withdraw in my PF.

          All approval is done by Employer and cannot apply directly under epfo site.

          Reason for withdraw is Medical Emergency.

          Please clarify.

          I have to undergo surgery after 4 month, but I wanted utilize that money for other reason.

          Tell me is there any problem May I face.
          also How much money I can Claim.
          documents need to submit.

          My employer give Self declaration Form and Pf withdrawal application.

          Thanks
          Vijay.H

          • Dear vijay,
            You can apply for partial withdrawal through EPFO member portal.
            No documents need to be submitted.

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

            Related article : Online EPF withdrawal process..

        • Dear TNReddy,
          I have observed some EPF members making partial claims for medical treatment back to back, but EPFO may reject claims after 3 to 5 consecutive online claims (in a FY).

  • Hello Sreekanth,

    I have requested for EPF Advance through Online Claim.

    Please find the below details.
    CLAIM RECEIPT DATE 09/01/2019
    CLAIM FORM TYPE Form-31 (EPF Advance)
    PARA DETAILS Illness
    TOTAL AMOUNT APPROVED N/A
    DISPATCH DATE N/A
    CLAIM STATUS Status Not Available
    REMARKS NA

    1. In general,how many days will it take to to get the amount into our bank account.

    2.For me why the status is mentioned as "Status Not Available".

    Now i'm working in my second company,i have requested for the PF Transfer from old PF to current PF account. Successfully it got transferred within 15 days.
    That's really great!!!
    I got the full amount from the employee and Employer share but the Pension amount was not transferred.Could you please share the reasons for the same.

    Thanks,
    Raj

  • Sir,
    If I take advance from PF for treatment of my mother then -
    1. Should I need to submit Doctor's certificate?

    2. Should I need to repay the amount?

    3. My Employee share of Previous Company is Rs. 41329 & Present Company is Rs. 6602, I also transfer whole amount from previous to present Company and My current basis Salary is Rs. 9481, then how much amount I will get for treatment of my mother.

    Please inform me.

    Thanking you.

    • Dear Bivash,
      As per the EPFO's notification, there is no need to submit any documentary evidence. And there is no need to repay the advance amount.
      But, have noticed that EPFO has asked for documentary evidence if the Partial claims are submitted often.

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

      • Sorry to say I don't understand the meaning of "But, have noticed that EPFO has asked for documentary evidence if the Partial claims are submitted often." - according to your reply, please elaborate what is the difference between partial claims and advance.

  • Dear Sir,
    i have raise a claim to withdraw pf 50000 and my claim status was showing it is settled. So i have gone through the epfo website, it is showing
    '' Claim Form-31 (EPF Advance)(Illness) Claim has been settled. Payment sent
    on- 17-JAN-19 via NEFT.''
    I did not receive amount. what should i do ? will you please help me in that?

    • Dear KIRAN,
      It takes 2 to 5 business days from the Claim Settlement Date to get the amount in bank account.

  • Hi I applied for the CLAIM FORM TYPE Form-31 (EPF Advance)
    PARA DETAILS Illness
    TOTAL AMOUNT APPROVED N/A
    DISPATCH DATE N/A
    CLAIM STATUS Rejected
    REMARKS Claim-Form-31 (EPF Advance)(Illness) Claim id-123 Member id-123 has been rejected due to :- REG UNDER ESI NO 53000337260001001 WAGES BELOW RS 21000 NOT ELIGIBLE U/P 68J/K...I applied for 25000 but it's rejected I'm big need of money due to health issue please help me to get my money

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

      You may re-apply for the eligible amount only.

  • Hi,
    Why it is called advance withdrawal would it will be recovered in future,
    How it would be if we are changing the organisation just after withdrawal and is it affects the pension eligibility criteria of anyone.
    What's the criteria of being eligible for pension.

    • Dear Anil,
      The partial withdrawals are not recovered.
      Pension is payable if service period is more than 10 years.

  • Hello,
    I have withdrawal My Pf Advance Amount 2700 For Purpose Illness. How do i repay this amount? Please help

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

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