EPFO (Employees Provident Fund Organization) has recently introduced a single page and composite PF claim form for all types of Withdrawals. This new EPF Composite Claim Form replaces all the existing UAN (or) non-UAN based claim forms like Form 19, Form 10C and Form 31.
Currently, Forms 19, 10C & 31 are accepted for PF Final Settlement, EPS Pension withdrawal and PF Partial withdrawal respectively. If your Aadhar number, Bank account and other KYC details have been seeded to your UAN, you can submit UAN based Forms 19, 10c & 31 for the said purposes to EPFO directly without employers attestation.
To add further convenience to EPF subscribers, all these forms now have been further simplified and replaced with a single page ‘new Composite Claim Form‘ (CCF).
Two types of new common withdrawal form have been introduced i.e. new CCF (Aadhar) and new CCF (non-Aadhar).
- 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.
- 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.
New EPF Composite Claim Form | Common Withdrawal Form
An EPF member can withdraw his/her PF balance fully (subject to certain conditions) or partially for different kinds of purposes.
The new Common claim form can be submitted for the below purposes;
- PF Final Settlement (Full withdrawal)
- EPS – Pension Withdrawal
- Advance or Partial PF withdrawals for purposes like;
- Housing Loan, Purchase of site, Construction of house, renovation of house etc.,
- Medical treatment of self/family member
- One year before retirement
- Investment in Varistha Pension Bima Yojana
- Marriage of self / son / daughter / brother / sister etc.,
EPF Partial Withdrawals & New Instructions
- Currently, an EPF subscriber who wishes to take PF loan / advance (part withdrawal), has to submit a ‘Declaration Form’ besides Form 31 or Form 31 (UAN). With effective from Feb 2017, there is no need to submit any declaration form along with new PF Composite Claim Form.
- No document / certificate would be required to be submitted along with the CCF (aadhar/non-aadhar) for partial PF withdrawals meant for purposes like Housing loan, marriage, construction of house & education expenses. In place of documents / certificates, an EPF member has to just self-certify the Common withdrawal form.
- Submission of Composite Claim Form (Aadhar) / (Composite Claim form (non-Aadhar) duly signed by the EPF subscriber shall be construed as ‘self-certification’ for the above said partial withdrawals, for which no document would be required to be submitted to the EPFO offices.
Latest & New PF Common Withdrawal Form
- Click on the below image to download New EPF Composite Claim Form (Aadhar).
- Click on the below image to download New EPF Composite Claim Form (Non-Aadhar).
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 45 to 60 days). Also, let’s hope that EPFO will launch their online PF withdrawal facility soon 🙂
(Continue reading : ‘EPF Partial Withdrawal options & rules‘) (Post first published on : 22-February-2017)
I had two different pf account under my uan and transferred the old one to current one. EPF amount only get transferred but not this EPS.
When I tried to to online EPS claim via UAN portal, the claim option is showing only “FORM 31” not the FORM 10c. Can you please advise how to claim my EPS or how to apply FORM 10c
Upon successful transfer of EPF, the EPS balance wont get reflected in Passbook, only the service period gets carried forward.
To claim full balance withdrawal online, Date of Exit and Date of joining should have been updated by your ex-employer. You can find these details under Service history in your UAN interface.
If these details are not found, you may kindly request your ex-employer to update the same.
Kindly read : EPF online withdrawal process..
I need a help… Related to pf
I have My UAN no.. In that I have 2 member id.. In first one I served approx 1.4 month.
And I second one i served approx 5 month.
KYC is updated.. How can I withdraw my PF amount.
Should I transfer first member id amount to second smemver Id pf or else I can directly claim separately both member id amount.
Someone told me. That I have to transfer my first member id of amount to second member id account, which will take approx 1 month. Then I can claim second member id amount…
Both ways are possible, if you are currently unemployed for more than 60 days.
Hope you’re doing good.
Please help me out to understand this PF withdraw issue. I had worked with my previous (X) organization for 4.6 years & I didn’t withdraw the (X) PF amount or neither transferred the (X) PF to it to my (Y) new company when I had joined 2 years back. Since I didn’t withdraw my previous (X) PF account where I was worked for 4.6 years & now I’m planning to withdraw it since I will be buying a flat in coming months. Could you please advise me here. My previous (X) company UAN no is different (totally 7.4yrs of my service) & my new (Y) company UAN no also different. For my Previous (X) company UAN, I’ve done with the KYC.
Appreciate your valuable advice here.
An employee can have only one active UAN.
Also, as you are employed and currently contributing to EPF scheme, you can not make full balance withdrawal from EPF 1 or EPF 2 accounts.
You need to transfer the funds from your previous EPF ac to current EPF ac, during this process your old UAN gets blocked.
Once the process is complete, you can make partial withdraw.
Kindly read :
How to transfer EPF funds online?
EPF partial withdrawal rules & options
Allotted two UANs?
My last org. was an exempted organization and it has its own trust. So as per PF team, I couldn’t do any online transactions. Hence I’ve to go for offline process
1.So is it possible to have final PF/PS settlement if I directly send Aadhar based composite claim form to corresponding EPFO ,if my last org. was an exempted organization?(Note:UAN is Aadhar/PAN/Bank account seeded)
2.Pls let me know the exact PF office address for account no. PYBOM/11394/
3. My total service period is less than 5 years, so do i need to submit form 15G along with Aadhar based CCF to avoid TDS?
1 & 2 – Advisable to route the claim through your ex-employer.
3 – Yes. Kindly note that even if TDS is not levied, it is still a taxable income.
Kindly read :
EPF withdrawals & TDS rules
TDS & misconceptions
PF account is not operative right now though it is active. I will complete 5 yrs of PF membership by May last week. So should I withdraw only after that?? Note:From November 2017 onward no PF amount will be credited. Pls advise.
Kindly note that service period is counted till the date of your last contribution.
If you do not contribute to EPF and just hold on to the balance then that non-contributory period wont be considered as service period.
My employer has replied form 15G is not applicable to exempted Trusts. So now is there any way to avoid TDS deduction if I’m withdrawing before 5 years?? & also as no contribution shall be made that I means I can never attain 5 yrs of service.I’m in much need..Pls guide
Even if TDS is not deducted, do note that withdrawal before 5 years is a taxable income.
Kindly read :
TDS & Misconceptions
EPF withdrawals & TDS rules
Please solutions me pf amaunt withdrawal process
Kindly read :
Online EPF Claim submission : Process Flow & Eligibility Conditions
How to withdraw EPF through Govt’s UMANG App?
i have an emergency at home so can i withdraw my pf contribution , its not related housing loan. its to do with settling some dues.
Kindly read : EPF partial withdrawal rules and options
If yes, what are the process. Actually I want to withdraw my PF, all details like PAN, AADHAR & Bank Account are updated, but only due to DOE I’m not able to process online withdrawal service. This is also for your kind knowledge I’ve left that company 2 and half years back, and presently I’m not working with any company.
You need to contact your ex-employer and get DoE updated, to make online withdrawal. Kindly read : EPF online withdrawal process-flow.
Else, you need to submit offline withdrawal claim.
Can you please let me know how much time it will take to deposit money in bank if we avail partial withdrawal of pf.
Dear dasarath ..If its an online claim, generally 10 to 15 days..offline within 30 days.
can you let me know the online procedure for partial withdrawal of pf.
Kindly read :
How to submit online EPF claim through member portal?
How to submit claim through Govt’s UMANG mobile app?
Really informative article, thanks for the detailed information.
I have a question about my PF partial withdrawal for repaying home loan that i need your valuable suggestion for.
In my current company, i had created new PF account which will complete 10 years tomorrow. I understand that i am eligible for withdrawal for home loan purpose. my UAN is activated and also addhaar is linked. I have checked the online form also. My UAN has my joining date as well.
1) I dont see the homeloan withdrawal optjon there. Is it because i am yet to complete 1o years?
2) My home loan is with Axis bank and my salary account is with citibank (linked with UAN). I understand that there are no declarations needed. So am i able recieve the funds in my salary account and then pay it to Axis bank?
thanks in advance for your time on this.
You can submit/select Form 31 online/offline to make partial withdrawal for the said purpose. Minimum service period is 10 years.
Kindly read :
How to submit online claim through PF member portal?
How to submit online claim through Govt UMANG app?
Partial EPF withdrawal options & rules
Thanks for your response.
I have gone ahead made the online application form 31 on January. I have a couple followup questions if you are kind enough to share your valuable information
1) I have already completed 10 years. Will there be TDS applicable? If yes, then how can i waive it?
2) After this partial withdrawal for home loan purpose, can i make another withdrawal in future for a different reason eg. illness etc. ?
3) I applied on January 1st. Currently status showing as under process. How many days it may take to change status or to get the amount?
Thank you very in advance for this.
1 – If service period is more than 5 years, withdrawals are tax-free. Also, I believe that the partial withdrawals are not taxable (irrespective of service period).
2 – Yes. Kindly read – EPF partial withdrawals : options & rules
3 – Online claims are generally settled within 10 days.
Did you got your pf advane settled via online claim form 31 since I also have the same issue but everytime, they are rejecting my online claim form and I can’t see any reason for rejection.
Hi, how is period of service computed for TDS on withdrawal from PF? I worked for 6 years 8 months in my previous employment (transferred to second employer) and for 4 years 4 months in present employment (about to leave and withdraw from PF balance). At the time of withdrawal, hope no TDS is deducted from final settlement. Please clarify. Any precedents in support of view would be really helpful. Many thanks!
As you have transferred the funds from your old EPF ac to new a/c, the total service period in your case would be 11 years.
You can withdraw full EPF and not EPS, as EPS can not be withdrawn after 10 years of service, will get pension.
I wish to withdraw my EPF for repayment of home loan. Can this withdrawal be done only once in my career? Also, later on, if I wish to withdraw for kid’s education or marriage, will it be allowed as I have already done one partial withdrawal for prepayment of home loan?
Kindly go through this article..’EPF partial withdrawal options and rules..‘
I have to clarify a couple of things to withdraw my wife’s EPF, need your help regarding following questions?
1) Pf amount is only 15000/- and she doesn’t have a Pan card. Can I withdraw EPF without Pan card? If yes then what needs to fill at the place next to Pan number on the composite form?
2) Is TDS will be deducted in the amount of Rs 15000?
3) As per my knowledge and the article mentioned in your portal, following things need to submit for Final pf settlement and pension benefits:
1)Composite Non Aadhaar form( as I am going through Employer), although the employer is not very helpful.
2)Cancelled cheque or a self-attested copy of Passbook.
4) Copy of UAN number.
Please check and verify if any other additional documents are required, as I need to send the documents to the EPF office on my own.
Appreciate all your help in advance.
1 – Though TDS is not applicable for EPF withdrawals of less than Rs 50,000 , EPFO may insist on providing PAN number for withdrawals.
2 – No.
Cancelled cheque should have her name imprinted on it.
One needs to submit PAN card I believe..else they may deduct TDS.
Thanks for your prompt reply.
Can you please check if any other additional documents are required other than listed below:
1)Composite Non Aadhaar form 19
2)Cancelled cheque with the name imprint on it.
3)Pan card copy
4)Aadhaar card copy
Form 15G if required.
I have 2 UAN from 2 different employers as I left 1 company before 1 year and another company before 5 months and now I am perusing my higher so I want to withdraw my PF settlement. My Date of Exit with both the Employer is not updated will it be a issue if I submit claim offline? I have all the docs like PAN, AADHAR, Cancelled Cheque. Also I have my updated my bank details and AADHAR and it is approved in the UAN portal.
1. Please advice me on how to withdraw PF without employer’s help?
2. What are the forms required?
Please do the needful.
Kindly mention the date of exit in offline composite claim form, that should be ok.
1 & 2 – You may submit new Composite claim form (Aaadhaar) to EPFO regional office directly (the office where your EPF ac is being maintained) by post (speed post or normal post). Enclose, cancelled cheque leaf (it should have your name printed on it), copy of PAN, form 15G if required.
Once you submit, you can track the claim status online..
Thanks for your prompt response. I stay near Bommasandra only I can go and submit it directly also right?? I have to do the filling separately for both right?? I heard that I have to submit the Form 19, form 31 and form 10C is it so???
You can tick options Form 19 (for EPF) & Form 10c (for EPS) in composite claim form (aadhaar). Yes, you can visit in person and submit the form, kindly take acknowledgement receipt after submitting the claim form.
I am retiring on January 2018 . what are the documents I required to submit for getting my pf . is pan compulsory for pf withdrawal
Dear sukumaran ji,
Are you planning to withdraw online or offline?
Advisable to add PAN to your UAN.
I am withdrawing the amount through employer . after completing 30 years services .
Is pan compulsory . in pan name mentioned is expanded form and in all other the name is with initial .
Dear Sukumaran Ji,
Advisable to provide a copy of your PAN along with your form, to your employer.
I am filling Form-15G(less than 5 years service) while claiming my PF amount. My PF amount is 1 lakh rupees and I have an additional rental income of 60,000 rupees in 2017-18 financial year. What should I fill in column 19 of Form 15G?
19) Details of income for which declaration is filed – In this column should I fill
a) Rental income and PF income both or
b) Rental income alone or
c) PF income alone?
I do not have my name on the cancelled cheque(it is not personalised cheque), will that be accepted while submitting CCF in regional PF office?
You need to mention both rental income & expected EPF amount.
Kindly read : How to fill Form 15g?
You need to submit personalized cheque leaf only (name should be printed on cheque leaf), otherwise they may reject your withdrawal claim.
Mere UAN portal KYC me bank account no wrong activate hao gaya
give me best input of for further
Dear Arvind..Kindly contact your employer and get it corrected.
I want to claim my PF. .. I cannot do it online since the EPFO website states that there are multiple member ids linked to my UAN. However, I visited the EPFO office and the concerned person handed me the composite claim form (non-aadhar). The company I used to work for has shut down and I cannot get the employers attestation done … whose signature is required to complete this?
Also, my Aadhar had been updated by my previous organisations in my KYC details. So is it possible for me to submit the composite claim form (Aadhar) ??
Please advise. .
Dear Sanober ..If the Aadhaar has been verified then you can submit CCF-Aadhaar form.
Thanks ☺ Also can I post the claim form along with the necessary docs to the EPFO office ? Will they accept it and process my claim?
Yes, they will process it!
Kindly mail through regular or speed post only and not through courier.
You need to send the forms to EPF regional office where your account is being administered.
Good morning sir..,
I have to withdraw pf amount (partial), how to withdraw online or concerned epf office what are the document required please advise
Kindly read this article : EPF partial withdrawal options & rules..
You can submit the partial claim through CCF or through online mode (or) through Govt UMANG app.
I have submitted my withdrawal application through offline. At that time my Aadhar was not seeded correctly. Hence I gave a joint declaration form. On 02-11-17 it showed me that the claim is under process. After 13 days it is showing me complete blank i.e; without any status. May I know the reason.
Thanks for Your Reply.
Dear Parameswar..Similar issues have been reported by other few blog readers as well. This can be a technical glitch.
You may wait for few more days, else submit online grievance to the EPFO..click here..
Hi Sreekanth ,
First of all I would like to thank you for your support and the way answering queries for many people .
I am also one of the victim for this EPF ocean . Somehow I could not able to withdrawal my PF amount and there are many gaps over here . Need solution , could you please help me on this .
1. I have 4 accounts since 2005 onwards .
Duration period – 2005 to 2006 –
2006 to 2007 ,
2007 to 2008 and
2008 to 2016 . Each time its a new PF account .
2. Am I eligible to withdraw 2005 to 2006 ,2006 to 2007 ,2007 to 2008 periods PF accounts amount , since its been more than 10 years ? . And I sent a couple of mail to my ex-employers and they are not responding . I have PF number and How I need to approach ,PF office .
3.Unfortunately I have mismatch between All PF account name and Aadhar card name ( correct one ) .
its similar like PF Account Name – SAI RAM , Aadhar car Name : SAI RAMA ( Correct One ) .
and not able to update my KYC in UAN account for the duration period 2008 to 2016 .
So , Is aadhar mandatory to withdraw and Is there any alternative solution ?
4. All PF accounts in different states TN , KA and MP , all states follow the same rule or will be different rule ?
5. How would I know my PF amount and so far interest in the account .
Could you please suggest me what would be best way to get PF amount . Is there any third party consulting team who can help on this .
2 -Yes, you can transfer all the three old EPF accounts monies to your current EPF account.
Kindly read : How to consolidate old EPF accounts?
3 – Are you employed and currently contributing to EPF scheme?
You can submit CCF (Non-Aadhaar form).
4 – Same rules.
5 – You may submit your grievance to the EPFO online..click here..
Hi Sreekanth ,
First of all I would like to thanks for response . Right now I am not contributing EPF scheme . Right now working in abroad . Will that be an issue ?
Dear Sudhee ..Should not be an issue. If you are an NRI then you need to give correct/appropriate bank a/c details to the EPFO.
Iam siddharthan s ponnan i want to withdrawal some of my pf fund (partial pf) for my personal use,
how can i proceed for that,
Dear siddharthan..You may kindly go through this article ..EPF partial withdrawal options & guidelines..
I am planning to submit my “EPF Composite Claim Form (Aadhar)”. But I don’t have my Date of Joining and Date of Exit displayed in UAN portal. In this case, will I be able to submit “EPF Composite Claim Form (Aadhar)” ? How will EPFO know my DOJ and DOE?
You can mention the dates in the CCF form itself.
However, on the safer side, you may also request your ex-employer to update these details..
I have requested my ex-employer to update DOJ and DOE details but I don’t see any response from them. If they don’t update my DOJ and DOE details in UAN portal and I submit the “EPF Composite Claim Form (Aadhar)” by filling my DOJ and DOE in the form, will the EPFO people consider those details and process my application or will they reject it? Please advise.
Dear Divya..They may consider..
i am able to Login on UAN portal .MY Aadhar card is updated . i have resigned in April . i want to claim full amount but only Form 31 option is coming .. form 19 is not showing .. and My Past Empolyer is saying he has ended my service but its not showing ..
Kindly help ..how to claim ful amount its Approx 5 Month …
Dear Amit..I guess your ex-employer has not yet updated Date of Exit in UAN portal. You may check about this with them.
Kindly read : EPF withdrawal online procedure – Processflow.
thanks for suggestion
i spoke t him , they are saying we have done at the same time but if it is not showing on EPFO Website it is not rlated to us , talk to PF office.. overall they are not supporting .
Is there any alternative way to claim .
Dear Amit..You may submit a query to the EPFO to check if DoE has been provided by your ex-employer or not..click here..
You may also try submitting offline claim by submitting new CCF.
Hi Sir – Need a help. I am currently working in a MNC for more than 11 years and wanted to avail for PF part withdrawal for buying a ready to move in flat. I am going to use it for down payment.
My UAN is activated, aadhar, bank details are seeded in UAN and are un Approved KYC tab..But unable to verify Aadhar, because my name in Aadhar is Shankar.S and my name in PF account is Shankar Sivanandam. Hence i am not able to verify and do online claim form.. I have following questions..
1. Can i submit new composite form ( Aadhaar ) in offline mode in PF office even when there is mismatch in my name. will it get denied?
2. I am going to buy the flat from a reputed builder. Will the payment be made directly to the builder or me?
3. If builder, where should i update the builder bank account details in the new composite form because there is only option mentioned like below.
( Please make the payment in the bank account mentioned in the UAN Portal. A cancelled cheque
(containing member’s name, bank account number and IFS Code) is attached herewith )
I heard that name change in PF should be routed via your employer. They already asked me to submit the change form. Can i submit this form as well when i parallely submit Offline claim form.
SMALL CORRECTION IN MY QUESTION..
All my details are IN APPROVED KYC TAB..
1 – Earlier, they used to process offline claims even if the name mismatches between EPF ac and Aadhaar (especially if you submit CCF-Aadhaar).
But now, I am not sure on this. Suggest you to get your name corrected either in UAN or Aadhaar.
2 – As it is not an agency, I believe that the amount will be credited to your account.
You may first request the name correction form then try submitting the online part withdrawal form, if it is not possible then try for CCF (Aadhaar) offline claim.
Thanks. My PF account is in Maharashtra..
Can I submit manual claim form with aadhar in Chennai office..
Dear Shankar ..No, you have to submit the forms to EPF Maharashtra office only (where your ac is being administered).
I applied online for part withdrawal. Since yesterday evening, the online tracking says “claim settled”. Does this mean they have transferred the money? I checked my account. I have not received anything. I cant reach their helpline phone number. Should I wait or should I contact the office. The funds are actually needed urgently.
Dear Jatin ..Once the status is displayed as ‘settled’, it generally takes 2 to 5 days to get the money credited to your bank account.
You were right. I received the funds. Thank you!
I want to apply for part withdrawal. Since I have completed a little more than 5 years, I can apply for purchase of flat. However, do I have to show where I have used the money? Because I intend to use the money for other purposes like buying a car, etc.
Dear Preet..There is no mechanism to track the usage of the funds.
However, as PF is your long term savings fund (for retirement), suggest you to use it wisely.
Yes, you are right. I am only taking a small amount.
I have left an organization last year in the month of June and joined in other company with one month gap i.e, on August. I have service of 8 1/2 yrs with last organization. I want to withdraw my PF,i have few queries. Request you to please help me
1. UAN is activated but Aadhar is not verified. i have tried to verify but it throws data mismatch error. Last name(Kumar) is not shown in Aadhar. How can i verify this. should i update it Aadhar? Also new organization has same UAN number with different pf account.
2. I heard that after 10yrs PF cannot be withdrawn. how is it calculated? is it like from date of joining or only the service period. As i have service of 8 1/2 yrs? If i can withdraw can i withdraw full PF amt.
3. what are the forms to be filled(Form 19\10) or Composite Claim form( shld it be Aadhar or Non Aadhar). And how do i submit to the Exemployer?
Thanks in Advance. Please do the needy which would be very helpful.
Sravan Kumar Kaparthi
1 – Either you need to get your name corrected/updated in UAN through employer or get your Aadhaar data updated online.
2 – If you remain unemployed for minimum 2 months and do not contribute to PF, then you can withdraw full EPF/EPS. After 10 years of continuous service, you can not withdraw EPS, you will get the pension amount after 58 years of age.
3 – As you are employed and contributing to EPF again now, you can not make full PF withdrawal.
Thanks for the quick response.
2 & 3 – Actually my query is, As there is no more contribution for my old pf account and there is new pf acount opened in the new organization. So will the service of Old PF account will be considered as 8 1/2 yrs or till the current date? And is it like even if i contribute to new PF account, Can’t i withdraw full PF of old account?
Also i heard that Reg the Rule for withdrawal of EPF after 10yrs has been revoked.
The 10 year rule is for EPS and not EPF.
Yes, the proposed withdrawal rules for EPF has been revoked. Kindly go through this article..
My name is Nazar, I want to apply partial PF withdrawal for my brother medical treatment, Can I?
The EPFO allows advance withdrawals whenever you need funds for medical treatment for yourself or a family member (spouse, children or dependent parents).
I am not sure if brother is part of ‘family member’ definition here!
1.For submitting claim form 19(Aadhar) through offline, is it necessary to fix revenue stamp?
2.Does this form require Employer signature?
My KYC details are already seeded in UAN portal and have UAN number activated.
1 & 2 – The attestation of employer is not required and this form can be submitted to EPFO directly by post. Have to enclose, copy of your PAN card, cancelled cheque leaf, form 15g if required. I believe that revenue stamp is not required.
Thanks for your reply Sir.
How long it will take to process the claim if submitted offline?
Dear Sneha ..EPFO generally takes 10 to 30 days to settle offline claims..
Sir Im not able to get OTP if i apply through online. The number is linked with aadhar and it is active.
I tried to submit form to epfo, they said aadhar number is not approved in uan website(but they are already approved by employer).
Also my employer refused to sign in the form because they no longer process offline claim.
What i should do?
Dear Sneha.. Is ‘verify’ option viewable next to Aadhaar number under KYC section of your UAN interface?
Yes Sir, verified only for Aadhar but not for Pan# and Bank a/c#
Sir my pan# is not showing as verified in UAN, so if i submit online claim, how much tax will be deducted?
EPF amount is Rs.37000 and EPS is Rs.20000
Can I claim both EPF & EPS together in online?
Dear Sneha.. If your Bank account and PAN are not verified by your employer then online claim submission may not be possible.
Kindly read : EPF withdrawals & new TDS rules..
Sir my name is mohammad shakil
Plz suggest what to do to get my pf amount
I was working with a company for the period of 2009 to 2014, till it was bankrupted. Now I am not working anywhere so I want to withdraw my PF.
3 months ago I send my pf withdrawal forms (form no 10C, form 19, 15G) to the concerned pf office with all related documents. I don’t have a Adhar Card, as I am from Assam .
(Docs : Identity & address proof, appointment & resignation letter, employee ID card & salary slip, UAN passbook, bank passbook & cancelled cheque, Affidavit of unemployment etc.)
On the withdrawal form instead of employer’s signature I attested it by a gazetted officer only. But without a signature from a bank manager in the withdrawal form.
And after a month Pf office rejected my withdrawal from saying –
1) Employers signature not matching
2) Bank manager signature is not tally
Therefore I kindly request you to help me in the process. what did I wrong?
Dear Abidur .. Suggest you to kindly visit the EPF office 9if possible) in person and submit the forms.
Whatever process you have followed is fine.
But sir when I visited the Guwahati of office, they said submit it to Delhi South office, which is my concerned of office. Guwahati office said they can’t process it.
Dear Abidur.. Yes, one needs to contact the concerned EPF office (where the account is being administered) only.
Suggest you to try submitting the forms with a bank manager’s sign to the EPF delhi office again.
Pls pls help me out urgently. There is a section for Paritial withdrawl which has got two section.
one section says (Housing loan/Purchase of Site/House/Flat) or for Construction/Addition, alternation in existing house/Repayment of Housing loan. I need to know if the whole part is one section. Because they are dividided in 2 areas. 1st one requires 5 yrs of service and claim can be done once and second section requires 3 yrs of service where claim can be done just once.
I have applied in one of the section which is the 2nd one, so I need to know whether I can apply for the 1st one or not.
Please reply me urgently.
If one is applying for house construction through an approved cooperative society or agency then 3 year of service period (minimum) is considered, and the PF member can withdraw up to 90% of the current outstanding balance.
If applying directly, minimum service period is 5 years.
Kindly read : EPF partial withdrawal options & rules.
Dear Sreekanth ,
I wish to transfer my PF balance from my previus company (work duration : Feb,2010 to mar- 2015 ) . PF of Ranbaxy Lab handled through Trust.
My UAN is activated and KYC details like PAN, Aadhar and bank account is seeded with UAN . However, while trying to online transfer of PF through portal it’s showing an error “Trust details are not available against this member ID.” . I have tried multiple times , still it’s showing same error . Can you let me know how to proceed further .
Dear Ashish..You may kindly contact your ex-employer …Can submit offline request to them and get the funds transferred to your new/current EPF ac.
I have called to my previous company HR and told him about my withdrawal but he said our company is a TRUST so you cant directly send withdrawal form to PF office.. So I am bit confused with this TRUST related EPF withdrawal…Could you please help me how to proceed further .
I have few query regarding my PF withdrawal.
I was worked in IT company around 7 yrs and left 2 months back and now I would like to know what are the exact procedure needs to be followed and also
1.what are the documents that I need to enclose while I submit Composite Claim Forms for Aadhar.
2.How to confirm whether PF office received my documents or not?
3.If any query raised against my withdrawal form how to address those queries?
4.How many days will take to process and deposit the withdrawal amount?
I think online withdrawals are allowed for TRUST related EPF too.
If it is not possible, you may submit the CCF to your ex-employer (if unemployed and not currently not contributing to PF).
You need to enclose copy of your PAN card, cancelled cheque leaf & Form 15G (if required).
You can check the claim status here…
Generally offline claims are settled within 30 days and online claims within 10 days.
Thanks a lot for your nice reply!!!
I have contacted my Ex.employer regarding my PF withdrawal but they are saying I cant directly claim my PF instead I have to handover all PF withdrawal related application to them .
Also ex employer saying that my PF amount will be settled after 3 months..
Really will it take 3 months to get the amount!!!
If I handover all the documents and also shall I directly submit CCF to PF office?
A full EPF withdrawal can be made after 60 days (minimum) of unemployment, hence your ex-employer may submit the forms to the EPFO after 2 months from the date of Exit. And the EPFO may generally take 3 to 4 weeks to settle offline claims.
You may try online EPF withdrawal option, else you can send the forms to your ex-employer.
Can I take PF loan for purchase of agricultural land, if yes, what are the documents should i submit
I have done a full pf withdrawal from my previous employer after 8.5 years of service.
Now I want to initiate a partial withdrawal from my current employer. Working with current employer for 2 years now.
Please guide if I will be able to do a partial withdrawal now, with the current employer attestation.
Partial withdrawal required to do a payment for my flat.
Dear Agne ..The contribution period is considered as 2 years only in this case, hence partial withdrawal for the said purpose is not allowed.
Kindly read : EPF partial withdrawal rules & options..
Please let me know how to withdraw Pension from my previous employer. I have not transferred them either to my new employer
Dear Agne ..If you are employed and contributing to EPF scheme currently, you have to transfer EPF and EPS to new member-ID.
Kindly read : How to transfer PF online?
Any forms to be submitted /or any other procedure after availing PF loan towards construction. I have made part withdrawal of PF loan in 2016 and yet to move in to my new house..
Dear Vasu ..Not required ..
Great article. I just have a small confusion.. I need to withdraw both, EPF amount and Pension amount. Do I need to send 2 CCFs (one for each) or a single form with both the options (Final PF settlement & Pension Withdrawal Benefits) checked?
Dear Vinay ..Yes, you can check/select both options in single form itself..
Kindly read : How to withdraw EPF online?
Dear sir ,
I joined one company(suppose ABC) on aug 2010 at time my pf no was (suppose abcde1234),then i resigned on dec 2015 and join another company(suppose XYZ) on jan 2016 with Pf no.(Suppose uvwxy56789) and again resigned on dec 2016 .But my UAN is same on both company .so i want to ask ,what would be my date of joining when i will withdraw my pf amount and will Tax be deducted on my pf account when i withdraw it.
will there any document be attached with pf withdraw composite claim ( aadhaar) form . and where shall i send these form to?
Did you transfer the funds from first EPF ac to new EPF ac?
As your service period is more than 5 years, TDS is not applicable and withdrawal amount is tax-free income.
You can send them to the EPF office where your a/c is being maintained, need to enclose cancelled blank cheque (same bank a/c which is linked to UAN), copy of PAN, Form 15G (if required).
Kindly read : How to withdraw EPF amount online?
Dear sir ,
Thank you for your reply .
I transferred pf amount from older pf no. to new pf no. . so what should be my date of joining 1st company joining or 2nd company joining date?
In composite form (Aadhaar ) , there is not mention any attach document list , as it mention in composite form (Non Aadhaar ) . so is it required cancel cheque for the form .
Please make me conform .
Thanks And Regards,
Dear Subrat..I believe in this case DoJ would be your second company’s..
It is stated at the end of the form, cancelled cheque is compulsory, need to be enclosed.
if doj is belongs 2nd company,then my service period would be 1 year . then tds is applicable .but my total service period is more than 5 years .please make me understand please.
If you have transferred your funds from old EPF ac to new/current EPF a/c, your service period also gets carried forward.
You may also kindly check with your employer.
I have submitted form 31 through my company for purpose of purchase of flat . But when i check the passbook, I see claim againsst 68b1a, and amount is not 90%, i.e not what i claimed. Please help Asap.
Please can you clarify this, and help. employer says it can be typo, but looks like they credited 36 mths basic pay.
since they did not send any attachment for 68bd , is that the reason 90% isnt credited.
But few things can u help me with:
1) how to registed with a housing agency, does it mean my apartment registered commitee?
2) form mentions tranfer to builder etc..but i am purchasing from owner share of flats
3) if i can go ahead with 1,2, can i still send this extra attachment now, to reprocess, how much time it will take more?
4) if 3 cant be done, can i apply for loan for remaining amount also parallelly?
Please help, its urgent.
Thanks in advance.
Purchase of House/Flat through a Society / Housing Agency : If withdrawal application is through a Society then minimum years is 3 years. ( through a registered society or houses/flats being constructed through forming a society.) – Section 68 BD. In this case, 90% of EPF balance is payable as an Advance.
Purchase of House/Flat directly from a Builder : In this case, the Membership service criteria to withdraw is still considered as 5 years only. – they are referring to Section 68B.
Kindly read : EPF partial withdrawals – options & rules..
Thank you v much for clarifying this.
Hi Mr. Reddy,
suppose I apply for full PF amount settlement through CCF form. Will the amount get credited directly into my Bank account (updated in EPF member portal online) or what?
Thanks and regards,
Dear Vinay ..Yes, you can get direct credit to your bank account.
You need to enclose a blank cancelled cheque of your bank account along with the withdrawal form.
Hi Mr. Reddy,
Thank you for the answer. I went to the regional EPF office in sector 17, Chandigarh. They asked about my companies head office and told me to send the CCF form, attached with a copy of Aadhar card and blank cheque, to Pune (companies headoffice). I mean if I have to do it than what is the role of EPF offices?? Is there any way I may send it to somebody online and get my PF settlement in my bank account?
kindly read : How to withdraw EPF online?
Thanks for your valuable information…….It helped a lot…….Thanks once again
Hello Mr. Reddy,
thanks for the detailed explanation.
I was employed in a company from 16th August 2011 to 12th December 2016 at a company in India. However, my PF contribution were only till August 2014 as I had to take sabbatical (long term leave) from September 2014 to December 2016. I read that the PF account is termed as ‘inoperative’ and no interest is paid if there are no contributions for 3 consecutive years.
Does this mean that the interest accumulated for the first 3 years during the contribution period will also not be paid or the interest would not be paid only for the duration after 3 consecutive years of non-contribution?
PS: I have not joined any other organization there after.
Any help will be greatly appreciated.
You will get interest amount for the first three years. No issues at all.
Kindly read :
EPF inoperative account help desk
EPF interest on inoperative Accounts
I like to know minimum year of service to apply for partial withdrawl PF loan. (3 or 5 years)
As I have purchased new flat , shortage of less amount instead of applying loan i thought to withdrawl Partial PF.
Can you clarify . If you have any soft copies can you mail to me .
If you are applying individually then minimum service period is 5 years and in case applying through a recognized Society/Agency then service period is considered as 3 years (minimum) for PF Advance/Loan.
Kindly read : EPF partial withdrawal options and rules..
I left from organisation and i want to take PF amount, could please suggest how to take..
Dear Azaruddeen ..Kindly read : EPF online withdrawal process flow..
I want to get epf advance not through employer ,what steps I need to take.
I tried through UAN login they say your Aadhar is not authenticated, please visit near EPFO officw
Dear Mohit ..If kyc details have been verified by your employer then you can submit Composite claim form (Aadhaar) to EPFO directly by post.
I was working with Pvt org for 2 years after that i left the organisation and switched to govt job. I want to withdraw my complete balance held with EPF [i.e. Mine and employer contribution and pension contribution as well]. Cumulative amount will be more than Rs 50k. I just wanted to know that can i withdraw full amount without tax if I submit form 15G with PAN details or I would I have to pay tax. Please guide me in doing the same.
Thanks & regards,
As the withdrawal is before 5 years of contribution period, taxes are applicable.
Kindly read :
EPF withdrawals & new TDS rules..
TDS & misconceptions
Thanks for the reply.
Just one more point; while claiming through form 19 then I will get full amount which includes mine and employer contribution along with the Pension contribution as well.
Please advice on this.
Also as your link also suggest that if I claim using form 19 with form 15G then tax wont levied. Also while filling form website no where ask for form 15G. Please advice on this issue as well.
No TDS does not mean no taxes.
Kindly read suggested TDS article (2nd one).
I have total experience of 9 years in IT industry. I recently left organization on june 1st 2017 and moved to other organization on june 5th 2017. Whether can i able to withdraw the PF amount now.
For Partial Withdrawal ,will they count total experience or current organization experience.
If you are contributing to EPF scheme in the new Org then you have to TRANSFER EPF funds from your old EPF a/c to new EPF a/c.
Yes, if you transfer then service period gets carried forward.
Thanks for your valuable suggestions on PF.
I am working with company from last 3.5 years. I wanted to withdraw my partial PF due to House construction.
But my Company is PF trust.
So can I eligible for partial PF, If yes how much TDS to be deducted.
Can I apply through company or myself.
Please suggest me.
Thanks in Advance.
Dear Swathi .. If you are applying individually then minimum service period is 5 years for the mentioned purpose.
Are you planning to apply for withdrawal through any housing society or agency?
I left one of my previous company in Dec’2013 I worked in a company for 3 years. Now I would like to withdraw complete PF and Pension amount. I have UAN but this company’s PF number is not tagged under my UAN.
Currently, I am working and current employer is tagged to my UAN.
Please suggest me, which Forms do I need to fill up? Do I need to send forms to employer or to PF office?
Dear Chetan ..If you are working and contributing to EPF scheme now.. you have to transfer your old EPF funds to new one.
Hello Srrekanth… Thanks for your quick response. Instead of transfer, I would like to withdraw EPF funds of old employer (which is not tagged under UAN) So please let me know how to withdraw and which forms needs to submit.
HI, AS I HAVE SUBMITTED MY PF WITHDRAWAL TODAY BY ONLINE MODE AND ITS SHOWING “ONLINE CLAIM SUBMITTED ON PORTAL”. THE DOE IS NOT PROVIDED BY EMPLOYER WHICH I LEFT BEFORE 1.6 YEAR BACK. ALSO THE UAN PORTAL SHOWN ME JUST ” ADVANCE WITHDRAWAN – FORM 31″ . I ALSO DOWNLOADED MY UAN PASS BOOK.. WHERE AMOUNT OF EMPLOYEE CONTRI IS 11000 AND EMPLOYER IS 5600 AND EPS IS APP. 11000. I HAVE CLAIMED FOR WITHDRAWING FOR 23500. DO I WILL GET THE AMOUNT UNDER ” ADVANCE WITHDRAWAN – FORM 31″.
SO PLEASE ADVISE
Dear HRISHIKESH ..Kindly read : Online PF withdrawal – Process flow and eligibility conditions.
I have left Cognizant 6 years ago and left to USA and came back to India last month. I would like to withdraw my EPF Amount now. I have only following Details.
1) My PF Number
3) PF Office Address
4) Aadhar CARD
Unfortunately I have no UAN number and request you to please suggest me the process..
You can route your withdrawal request through your ex-employer.
You can generate UAN online by yourself.
For PF Partial withdrawal(90%), for house purchase from builder , with total service of 3 years 8 months, am I eligible ?
As per your flow chart , i have understood that I have to pay 10% TDS but I am eligible. Please let me know your thoughts, as some where You mentioned , I am not eligible if I purchase from Builder, as per some EPFO officers.
Thanks a ton.
If property is bought through an approved agency / society then the required service eligibility criteria is 3 years, else it is 5 years.
It is brought from CREDAI approved builder. Am I eligible?
No dear Arijit ..In this case the threshold limit would be 5 year period.
Despite the fact , that I am OK with 10% TDS?
can you help me with PF claim through online with help of UAN Number . My Company is Ho is Kolkata office .
many times i have sent the claim form with the new form also Pls help.
Thanks & regards
Dear Suman .. Kindly read : How to claim EPF online?
I have these two memberID for two employers seperately which are linked to my UAN. I can see the Adhar number and Bank account details updated on UAN portal under my login. Also i can download both the passbook seperately having two seperate pf accounts under one UAN
i want to withdraw both my PF amounts through CCF. My question is while filling the form which date should i mention for DOJ and Date of Leaving Services. Employer 1 or Employer 2
Suggest you to first transfer old EPF account to new one, old UAN gets deactivated.
If you are unemployed for more than 60 days then you can withdraw full consolidated EPF amount.
You can mention new employer DoJ & DoE.
Read : How to withdraw EPF balance online?
I would like to withdraw my PF to re-pay my home loan which I took for construction on house in our own land
Here loan is on my name where as land is still on my father name
Will I be able to withdraw my PF to re-pay my homeloan
Please advise on the same
Many thanks in advance
Dear Kiran ..In this case, I believe that you can not make partial withdrawal.
Kindly read : EPF partial withdrawal options.
These new EPF composite claim forms are very simple and easy to fill when compared to previous PF claim forms.
My concern is, my previous employer has entered my wrong DOB in EPFO. Now i wanted to claim online for PF and trying to enter my aadhar card details. but as my employer entered my wrong DOB, my adhar card details are not matching. and they are not supporting me as well. please guide how can i withdraw my PF offline.I know about CCF form. it replace all three form for like EPF, EPS and advance PF. please tell me sir if I choose CCF to claim online what other document i have to attest. is it require any document from employer side also.. as my employer not supporting me.. please guide..looking forward to your support sir
Dear varsha ..You can just submit CCF Aadhaar form (employer signature is not required) to EPFO directly by post. You need to enclose, copy of PAN card, cancelled cheque leaf and Form 15G.
Dear sir, Thank you for your support. My employer had prepared all the required document form like form 10 C and 19 and form 15 G. I have submitted my document in EPFO. today i checked my claim status. and confusion raised in mind is that i have submitted my EPS form also along with EPF. but it showing claim form type only form no 19(EPF). what does that mean sir. is that indicate like my EPS form has not been accepted or what else. or i am able to withdraw only EPF amount.please clear it sir.
My claim form status –
RECEIPT DATE 11/07/2017
CLAIM FORM TYPE Form-19 (EPF Final Settlement)
Dear varsha ..Suggest you to kindly submit your grievance to EPFO online..click here..
Dear Varsha ..Ideally the status record has to show both the Forms (19 & 10c). You may wait for some more days, keep a track of your claim.
Sir Today i checked pf status online. it showing My claim application has been rejected due to not signed/ attested or due to Certificate enclosed improper.. Sir please guide what to do now. would i have to prepare document again through employer. I have photocopies of the documents that i have submitted. can i submit photocopies now with other documents..
Dear varsha ..You may have to re-submit original docs again.
Kindly read : How to withdraw EPF amount online?
Thank for your prompt response. I have resubmitted my documents again on 21 july.. and today i got Rs 16500 something out of 53000. i did not understand what that mean. Please make me clear sir. is this their way to transfer money like in installments they transfer full amount. or there can be is some issue. what should i do. please suggest
Dear varsha ..You might have probably got your EPS amount and you may get the EPF amount within couple of days..
But sir My EPS amount is also more than what i got. thats why m very confused. But still as per you said i will be waiting for couple of days for EPF amount.
My employer is unable to seed aadhar online due to some software issue from employer side for more than five months! And I am unable to get the new Composite Claim Form (Non-Aadhar) attested by my employer. How do I withdraw the PF? Will only self attestation of the new Composite Claim Form (Non-Aadhar) suffice? Please advice.
If both are not possible then you may have to visit the concerned EPF office and submit withdrawal form, affidavit, cancelled cheque, copy of PAN card and Form 15G.
Thank you sir for your response. Can you please tell me which withdrawal form this is? Is it available online? And also what should i mention in the affidavit?
Dear Danny ..You can submit Composite claim for (aadhaar or non-aadhar). You may mention that you would like to withdraw the funds in full and get it notarized.
Suggest you to try submitting your forms through your ex-employer, in case if they are not providing you the support, you may visit the concerned EPF office and submit the forms.
I am working with the current employer for over a period of 3 years. I had transferred the PF from my Previous employer to the current and the same was done few time back.
But, I don’t find my previous employer present in the service history in the UAN portal.
The DOJ EPF shows the date of joinig same as my current employer.
Now I am looking for PF part withdrawal for house construction. But the EPF employment shows 3 years where as my total employment is 6+ years.
Could you please let me know the process to update my previous employer details.
If you have transferred your previous EPF a/c balance then your service period also would have carried forward.
You may submit your grievance to EPFO online and check on this.
Kindly read : EPF partial withdrawal options & guidelines.
If we want to submit composite aadhaar form, where do we need to submit? e.g, If my PF account is maintained at Mumbai, shall I submit at Chennai?
Dear Tamizharasi ..You need to post the CCF-aadhaar form to Mumbai PF office.
Thank you very Sir. I am going, with sending the CCF to the PF office since the online claim is still as submitted in portal state. Shall I get the full PF amount for educational loan purpose?
Dear Tamizharasi ..Kindly read : EPF partial withdrawal options & rules..
I have completed 10.6 years of service in same company. I have applied for partial withdraw from my EPF account for housing loan repayment. However, after 30days of process, I received a message from EPFO stating “Reason of Rejection: INCOMPLETE BANK DETAILS. Remarks by DA/AO: BANK DETAILS IS NOT GIVEN ON LETTER HEAD OG AGENCY. ALSO, IFSC CODE IS NOT MENTIONED OF THE SAME”.
I have attached the cancelation cheque along with other documents. My Loan with LIC HFL, they are not giving the outstanding pay on letter head, but they have given the certificate with office seal.
How to proceed further, and do you have any format / templates for claiming.
Dear Suresh ..You may have to provide the required details as requested by EPFO.
I did not get the meaning of Reason of Rejection: INCOMPLETE BANK DETAILS. Remarks by DA/AO: BANK DETAILS IS NOT GIVEN ON LETTER HEAD OG AGENCY. ALSO, IFSC CODE IS NOT MENTIONED OF THE SAME.
Do you have any idea on template or document format. If so please share it with me. It will really helps.
Dear Suresh ..As the amount is directly credited to Lender’s bank account, EPFO wants these details (Lender’s bank account number and its IFSC code) in the Agency’s letter head.
I have 2 UAN numbers from previous 2 employments, am currently doing business for past 1 year.
Is it necessary to merge or consolidate the 2 UAN’s? OR,
Can I withdraw my PF individually from both UAN’s by submitting Composite claim form (non aadhaar) via my respective employers?
Appreciate your response.
You may try submitting individually. If your aadhaar has been seeded then EPFO might reject the applications, then you may have to consolidate and then withdraw.
My aadhaar is not seeded in both uan’s as it gives error, when I try to seed through UAN portal. If I withdraw offline via composite claim form Non Aadhaar, should my name on passbook and aadhaar card be exact match.
Dear Asim ..If you are submitting non-aadhaar form then there is chance of comparing your Aadhaar card details with UAN/PF passbook.
I submitted my partial PF withdrawal on May25th 2017. But still the status is submitted in portal. When will it be approved? What can I do to get it approved? For partial withdrawal is there any limit for the gap between the transfer?
EPFO generally takes 10 to 20 days to settle claims.
I wish to withdraw partial PF amount for re-construction of house. The plot is on my own name & my service is 6.10 years. My queries are:
1. Can I get the amount in my account or do I have to submit quotation from an agency ?
2. My PF account is with Bangalore,Karnataka. Can I submit the withdrawal form in Pune PF office ?
3. Can I submit the form without Employer attestation ?
1 – Kindly read : EPF partial withdrawal options & rules.. You can get the amount to your account.
2 – You need to submit the forms to Blr PF office only.
3 – If your Aadhaar num has been seeded and verified by your employer.
Read: How to withdraw EPF online?
I got my partial withdrawal claim approved & the amt is credited in my account on 27th day of submission. I appreciate EPFO office processing ! Thanks for your advice, Shrikanth !!
Congrats dear Sagar ..Nice of you to update the claim status here, Cheers!
Thanks a lot reply. Is there any possibility, employer approved the PF partial with drawl and EPFO rejecting the claim?
Dear Tamizharasi ..Employer does not have a say on this. Only EPFO can accept/reject the withdrawal claims.
Thanks a lot. In what are all the condition EPFO can reject the partial withdrawal claim?
Hi, im trying to apply for online claim and I have already submitted my KYC long time ago but when I’m trying to apply for online claim it shows that your 1.(Adhaar is not seeded) 2.( ECI NOT FILLED BY PRESENT ESTABLISHMENT)… Im not able to understand this really plz help me.
Dear ashiq .. You may kindly contact your employer.
I am trying to withdraw my PF entirely related to my last employer who I left in 2011. Since then there are no contributions going into my PF account. I went to the inoperative section and updated my information and have a reference number for my query. It says someone will contact me from the EPFO Helpdesk-but I’d like to know what happens next?
As I do not have a UAN number, should I be submitting the non-adhaar form through previous employer? Can i not submit directly to the PF office?
Are you currently employed and contributing to EPF again?
Quoting of UAN number is mandatory for withdrawals, so suggest you to create an UAN online.
If it is possible to contact your ex-employer, you may submit new EPF composite claim form (quote your UAN) through your ex-employer.
Thank you for responding Sreekanth. I appreciate it.
In answer to your question, I am not currently employed, therefore not contributing to EPF. The link to create a UAN online through the Citizens link in the EPF website is not working. I see from the comments in that that it has not been working since December 2016. I’d appreciate any help and guidance you can provide.
Dear Deepti ..The UAN portal has some tech issues for sometime now..you may contact the EPFO ..click here..
When I click on online services >> claim (form 31, 19..) getting below response
AADHAAR is not authenticated from UIDAI. Please authenticate your AADHAAR by visiting nearest EPFO office.
Can you please help me out on above message
Your personal details (name, DoB, gender..) linked to UAN may be mismatching with Aadhaar data.
You may visit nearest EPFO regional office and get this linked, or you may have to correct the data in UAN to match with your Aadhaar data.
I have applied for online PF Advance withdrawal yesterday via this link: http://www.epfindia.gov.in/site_en/
By the way, Online PF withdrawal option is now working fine. I am able to see the Tracking Id and Status which says “Online Claim Submitted at Portal”.
My question is: Can you let me know, how long will it take for the money to be credited in my bank account. My PAN & Aadhar is Linked with my UAN.
Dear Somnath..With available information, I think you should get the credit in 1 to 2 days.
Request you to provide the status update here…will be useful to other blog readers as well, thank you!
I had applied for PF advance withdrawal by filling the online form-31 on June 06, 2017 and as of now when I try to track the status through the same site:https://goo.gl/48Yp03 ,
I see the same message: “Online Claim Submitted at Portal”.
Not sure, what is going on.
You may submit your grievance online ..click here..
Yes, I have just submitted a complaint via the same link. Awaiting response from them.
Thanks for your support, Sreekanth!!
I am currently constructing a new house over my plot at my native place. I am falling short of money for further construction. Can I apply for EPF withdrawal and what is the procedure for the same. May I request to kindly guide please.
Dear Rajesh..Kindly read : EPF partial withdrawal options & rules!
I left my job in Jan 2016 to start my own business. My Pancard and Bank account details are verified in KYC of UAN portal by previous employer. But when I try entering the Aadhaar details it says “Aadhaar authentication failed. AADHAAR number, Name, DOB or Gender mismatch with registered data.”
I need to withdraw my PF so I contacted my previous employer to link my Aadhaar to Uan but they say I will have to do it myself. Any guidance will be helpful.
Dear Naik ..You can also submit new Composite claim form (non-aadhaar) through your employer.
Looks like, the personal data available on UAN portal Vs Aadhaar are mis-matching.
Do I have to submit 15G also if my service is less than 5 years along with CCF (non-aadhaar)?
Dear Babu ..I have noticed that EPFO is asking for Form 15G/H from all the applicants irrespective of quantum of PF withdrawal / service period.
And also I’m planning for final settlement.
I meet all the criteria for withdrawal for house loan repayment. I am currently having Overdraft house loan with SBI. I would like to know what name I have to mention for the check in the PF withdrawal form?
The form is having the words “indicate cheque to be in favour of” and payee’s address. Who’s to be ‘in favour of’ here and what address to be mentioned?
Dear Ganesh ..Your Lender’s name and address.
You may kindly check with EPFO too..click here..
Can you help me to how can i will get my entire pf amount from a organisation which i hav left on 2010 , then after i am doing my own business
Dear Suvendu ..You can submit your request through EPFO’s in-operative helpdesk..
I was a working person for last 4 years. Now I am going for higher studies. Can I withdraw from my EPF for higher studies?
Dear Karan ..You can withdraw entire EPF balance after remaining unemployed for minimum 2 months.
In case you are going abroad for higher studies, you can withdraw full balance immediately after exiting from your current organization.
Read : How to withdraw EPF amount through online mode?
I am going for higher studies abroad for that i need to show the proof of resources before applying for VISA. My Father has submitted the application for the same 1.5 months back with his employer which is a PSU. initially they said us to deposit a partial fee and submit the proof which we have already submitted now they are saying they will give the amount in parts they will give in september and january 2018 . My father is 50 years old , working from last 25+ years in the same company and never widthdrawn the PF till date. Please help me what can i do . We have arranged around 9-10 lacs (some saving some ,broken some FD ) my father has around 26 -27 lacs in PF . They agreed to pay 1/3 i.e. around 9 lacs , we are fine with that also but now they are delaying.
I believe that your father can withdraw up to 50% of his (employee) share from EPF account.
Kindly read :
EPF partial withdrawal rules.
How to withdraw EPF online?
i have availed PF amount for new housing in 1997 (20 yrs back), and after 5 years we sold that house. Now presently i want purchase a new flat for which can i apply for EPF once again. ANy limitations pls inform me
Dear Shreesha .. Are you contributing to same EPF a/c for the last many years?
I believe only one time it is allowed for the said purpose..
Kindly read : EPF partial withdrawal options & rules..
I am working in a company for more than 11 years. I took joint (brother) housing loan in SBI. Can i withdraw my PF amount for HL partpayment? Please let me know your comments.
Dear Ramakrishnan ..I believe you can make partial withdrawal for the said purpose..
Hi,my daughter worked for Microsoft for 2.1years and quit after that to study further.joined on7/7/14 and quit on 12/8/16.how can she withdraw herPF amount? What is the procedure? Also how can she know the PF bAlance status?
Dear Anuradha ji ..Does she has access to her UAN account?
She can give missed call and check EPF balance.
If her KYC details have been verified, she can submit new composite claim form directly to EPFO, else have to route it through her ex-employer.
EPFO has recently launched online provision to withdraw EPF..click here to know more..
Also, the withdrawal amount is taxable income.
do i need to submit any document like purchase agreement if i buy flat directly from builder ..
Dear mahtab ..No, not required..the EPF payment gets credited directly to builder’s bank account.
I would need to take some amount from epf for house purchase. Will the EPF transfer the amount to my account or builders account only. In the composite form there is no particular mentioned as such
I have worked in my first company for 4 years and have with drawl PF from the PF trust. In my second and third company I am working for last 3 and half years. Am I eligible for PF partial with drawl for purchase of my new house via composite claim form???
Thanks a lot
Dear Arijit ..Yes, you can make partial withdrawal. EPF has reduced the required time-limit to 3 years.
Kindly read : EPF partial withdrawal rules….
I have been working in my present organization since 3.6 years, now i am getting married in next 4 months so i have decided to do partial withdrawal from my PF account. Can you please help me with process? appropriate your quick response to my query.
Thanks in advance..
Dear Salman ..Kindly go through ;
EPF partial withdrawal rules..
How to withdraw EPF online?
I want to withraw 90% of my accumulated PF for purchasing residential flat but my total tenure of PF contribution is 3 yrs & 8 months ( 2.10 yrs in first co and then transferred it to second co.) Currently I am working in third co. which does not deduct PF. Pls guide if I can withraw the PF amt tax free.
If your number of year of contributions is 2.10 years then you can not claim partial withdrawal..
I appriciate your prompt reply.
What I understand from the articles regarding PF withrawal is
An employee can withraw PF tax free before 5 yrs PF contribution if he/she wanted to utilise that amount for the purpose of purchasing flat. Pls correct me if my understanding is wrong. Also after 5 yrs anyways PF withrawal is tax free and there is no restriction/criteria to withraw Tax free PF after 5yrs. Pls advice
I re-read you comment.
As per new EPF rule, any EPF member who has contributed to EPF for minimum 3 years, can withdraw 90% of balance for purchase of house/construction of house.
It is a tax-free partial withdrawal.
However, kindly note that full PF balance withdrawal before 5 years is taxable.
Kindly read :
Partial PF withdrawal rules.
EPF full withdrawal & TDS rules.
It says that have to be member of housing society which is having atleast 10 members, ls guide who are this housing society and how to become member them. I asked my builed he is saying ours is service soc. Awaiting your reply
Dear Nayan ..You may also submit the claim as an individual too, the advance amount will be directly credited to your prospective builder account.
Read : How to withdraw EPF balance online?
I have worked for 3 different companies in my 8 years of service. For my present company I have been working only for 3 months. All 3 pf accounts are linked to my UAN.
Now for house purchase if I need to do a partial with drawl then do I need to consolidate first all 3 accounts into one? Then fill the form 13 via present employer? Please correct me..Thanks in advance.
Dear Arijit..Yes, as per EPFO’s recent guidelines, an employee can have only one active EPF account. Else, total number of contribution years are not carried forward. So, suggest you to consolidate them and apply for advance.
Thanks Sreekanth. One other doubt, I was trying to update my aadhar and bank details in unified UAN portal. But did not get any option to upload the documents though I have updated the details.
It is now showing as pending KYC details..let me know what else I need to do to get it done. Thanks a lot again.
Dear Arijit.. Some technical issues have been reported with UAN portal..you may to wait for few more days..
Else, you may submit your grievance online ..click here..
Thanks a lot Sreekanth. During partial with drawl for house purchase money as per the composite claim form money should directly go to builder. How does it happen? Does epfo send cheque to me or directly sends to builder as I am not mentioning the builder details and address in form.
Dear Arijit ..Kindly check point number 6, member can provide Lender’s details..
my employer says that you may get the amount in your own bank account. Which means for non adhaar linked form you may leave point 10 c. Is my employer correct. I am looking for amount to pay my builder but the time is running out and I may have to register the flat before I get the amount. Any pointers?
Dear Sourav ..The amount will be credited to Builder’s account. You can provide the details in point 10C.
But my employer says that, you need not provide the builders account number. You can provide your own account number. I am really confused! Please help
Dear Sourav ..To be frank there is no much clarity on this. EPFO says, that going forward amount is credited to builder’s or Lender’s account.
You may contact EPFO through online mode..click here..
Can I fully or partial withdraw my PF without any of the reasons that you’ve mentioned above. I mean are those the only mandatory criteria for PF withdrawals?
Dear Rakesh ..Yes, the reasons given in the above form(s) are the accepted ones.
I an neha. I left my job in nov 2016.
I applied for pf 16 feb 2017 but till date i did’t get..plz hlp.
Dear Neha ..You may kindly check your PF claim status online..click here..
Please find below query
* Which all forms are required to withdraw the PF?
* Please consider below situation & suggest:
The employer is in Gujarat & i have resigned in Nov’16, post working 2.7 years in the firm.Also, Aadhar is not updated in KYC & rest of the documents are uploaded.Can you suggest to which EPFO i should approach?Will the final amount be taxable? Will i get the complete PF with pension amount?
You have to submit Composite claim – Non Aadhar form to your employer.
Do enclose – Copy of pan card, cancelled cheque, and Form 15G.
Read : EPF & New TDS rules..
I worked for an organization from May 2011 to April 2015. Prior to that, I have started my own firm, and considering our small size (5 people), we are not mandated to have PF membership. I will have completed 6 years of PF membership in May 2017. I have two queries –
1) If I place a full withdrawal request, will it still be liable for deduction at 10% TDS?
2) Am I required to submit Form 15G since my membership with EPFO is close to 6 years? Out of those 6 years, for 2 years I have not made any contribution to the PF account and in another year it will stop earning any interest whatsoever. I would rather ensure that I invest those funds elsewhere to ensure that it continues to grow.
1 – As your contribution period is less than 5 years, PF withdrawal amount is taxable.
Read : EPF withdrawal & new tds rules.
2 – EPFO has earlier informed that interest will be paid on Dormant accounts too, but as of now, yet to issue notification on this.
My brother was working for a company in bangalore & he got tranfered to Kolkata and there he had a new PF account #, He passed away in April 2010. I was able to transfer the bangalore PF account balance to kolkata Account. can you please let me know how do I withdraw the balance, How do I submit the Forms to Kolkata. I stay in Bangalore.
Kindly go through this article, can be useful.
Hello Sir/Ma’am, My name is Karankumar, I was working in a company within the 29 April 2015 to 30 Sept 2016. Due to the companies internal changes they they could not continued me in their new model. That’s why they terminated me in last 30 Sept’16 month.
I’m living in Pune and my company is in Hyderabad. I want to withdraw my PF to my Bank.
Pls help me further, I’m not getting what to do.
Thanks n Regards,
Karankumar Anil Sawant
If you are not contributing to EPF scheme now (not employed), you can withdraw full PF balance.
You can submit the Withdrawal form to your employer (or) if your KYC details have been verified then you can submit form to EPFO office directly.
First of all. Thanks for such nice Info.
But actually I don’t know the EPFO OFFICE address.
Can u pls let me know it.
Thanks n Regards,
I was leave my last company 4months ago and i want to withdraw my full PF amount or do final settlement from PF . I have UAN No.and seeded with Bank account Detail ,PAN card details also updated but no adhaar card because am staying in guwahati. what is the process please help me. i belong to guwahati and PF was deducted from my last company.
Dear DIMPI ..You can submit new CCF (non-aadhar) to your ex-employer and get the PF withdrawal done through them.
You have to enclose, cancelled bank cheque, PAN card copy and Form 15G.
I was leave my last company 10 months ago and i want to withdraw my full PF amount or do final settlement from PF . I have UAN no.and seeded with Bank account Detail & Adhaar No. and PAN card detail also updated. KYC updated. what is the process please help me. i belong to jaipur and PF was deducted from my company HO Delhi.
Dear Rahis ..If you are not contributing to EPF scheme now, you may just submit New Composite claim form (Aadhar version) to EPF regional office (where your EPF account is being maintained) by post. You have to submit cancelled bank cheque, form 15G and pan card copy.
Thanks for replying .! when i registered a Grievance in EPF Grievance management system they will asked me that i want to submit claim form 19 and 10C (UAN Based ) with self attested copy fo cancelled cheque to this office. so please help what can i do.
Dear Rahis ..WEF from Feb 2017, I believe that EPFO is accepting composite form.
Dear Sreekanth ,
I wish to withdraw my PF balance from my first company (work duration : March 19,2014 – March 15, 2015 ) . My UAN is activated and KYC details like PAN and bank account is seeded with UAN . However, while trying to add Aadhar details on KYC portal it’s showing an error “Error while AADHAAR authentication.null” . I have tried multiple times , still it’s showing same error . Can you let me know how to proceed with PF withdrawal as I’m unable to contact my previous employer .
It is a technical issue and can be a temporary one. EPFO will rectify it soon I guess..
I have left the organisation for the last 3 months and looking for another job and therefore wanted to withdraw my complete PF i have worked almost 4.75 yrs with my old organisation.
Can u share the link to download the form 10 C and 19 UAN and if any other form/declaration is required.
Similarly, my UAN is activated but KYC is not done. how do i withdraw that amount as i am not working now?
You can submit new Composite claim form as provided in the above article.
You can submit Non-aadhar form to your employer. Kindly enclose, copy of cancelled cheque, PAN card and Form 15G.
I have 7 years working for a Firm and paying PF for past 7 Years. Now I need to repay my Home Loan with this PF money. Will I be eligible to utilize my PF Money & what % I can utilize to repay my Home Loan from my PF account.
Dear Ashok..Minimum 10 years of contribution is required to make partial withdrawal for the said purpose.
Kindly read: EPF partial withdrawal rules..
I am currently working and have 4.5 years of experience. I want to withdraw partial PF from my PF account. Can you please help me with the steps and which form i need to fill.
Dear Alam ..Kindly go through this article : Advance on PF balance- rules.
Hi Sreekanth Reddy
I am Sachin Chogale from Mumbai working with private firm since November 2011 and i have already complete 5 year of my Service with my Current Organisation,
I want one clarification from you can I go for Partial EPF Withdrawal scheme under Flat Alteration/ Addition improvement as i need to money urgently for the same reason and the construction of Flat is more than 10 year old. So please guide me what type documents i have to submit with New Form 31 UAN to the departments and how much time they will take for settle the payment.
and i have another question that if we go with new 31 form UAN base we need have to complete KYC Documents.
You can submit new Composite Claim form for partial withdrawal too.
Also, Kindly go through this article : EPF partial withdrawal rules..
Thanks for your reply
but one my query is there as my Property construction 15 year back but i have purchase this property in 2014 so there is any problem for getting advance from EPF as the rules say that for alternation/improvement of house need 5 year old construction not when you buy only need is that property should name of applicant. is that right ?
Pls give the reply
Partial withdrawal for alteration or renovation can be made on house which is minimum 5 year old building.
I have 6 years of total experience I need 1.5 lac amount for partial withdrawal(House purchase payment). Am I eligible for this and within how many days will I get this amount. Please provide all the steps to claim the amount
EPFO generally settles the claims within 2o – 30 days.
Kindly read: EPF partial withdrawal options & guidelines..
I have to know about rule for PF withdrawal for house construction. With current employer my serves is 16 years, it has its own PF trust. I withdraw PF 5 year ago to purchase a plot which is of allotment letter by society (no registry of plot is there), now i needs for house construction on same plot.
As per employer, withdrawal for construction can only be against the same plot only for which i withdraw the PF to purchase it. But that plot is not registered so PF withdrawal is not possible.
In this condition how can i avail the option of PF withdrawal for house construction? But they give me PF amount to purchase a plot of without registry.
Please help me for the same
I believe that EPF partial withdrawal is allowed only one time for the said purpose.
Kindly read: EPF partial withdrawal options & rules.
Hello, thank you for the article. I have a query- I changed job after working for a company for 6 years and joined another company 10 months back. I have not yet transferred the previous company PF amount to new company PF account. My UAN was activated by previous employer with Aadhar, PAN, bank details seeded. New company has also linked its PF to the UAN and has seeded Aadhar, PAN and another bank details in UAN.
Last week, I have coordinated with and given PF part withdrawal application (in new single page form) to previous employer. That application is for part withdrawal from PF account of previous employer. My previous employer has in turn stamped & signed & forwarded the part-withdrawal application to the PF dept. My question is- in this case, will PF department allow part withdrawal from previous company PF account? Kindly guide, I am in need to money due to some personal reasons.
As per EPFO’s initiative, an employee can have only one active EPF account, meaning they are encouraging to consolidate the EPF accounts.
So, I am not sure how they will consider your application. They may come back saying that you can transfer the old EPF a/c monies to new EPF account and then can make Partial withdrawal.
I’ll be moving to Canada in June (Immigration) so I would like to clarify a few things.
1) Can I submit the form(s) on the date of my resignation or on the day I actually am relieved from my position (I have 2 months notice).
2) I have 3.5 years of experience. I want to withdraw the entire EPF (-tax) AND the EPS amount. This is possible, isn’t it?
3) I have my UAN and my Aadhar and my bank account are linked to my UAN. So, all I need to submit is the “New PF Common Withdrawal Form” and “EPF Composite Claim Form (Aadhar) : I” for both EPF and EPS?
Kindly help me with my queries. Thanks a lot!
1 – I believe that on last working day you can submit. As, your company has to provide Date of Exit to the EPFO.
2 – Yes, you can withdraw but subject to taxes. Read: EPF withdrawals & Tax implications.
3 – Yes. You need to enclose cancelled cheque leaf, form 15g & a copy of PAN card.
Hi this is balraj i left from a company in 2015 after 2 years of service and joind in other company but now i left from my last company after 11 months of service and my adhar, bank details Are updated in my previous company pf account no. and pan is not update in last company pf account no. Pan, adhar and bank details are updated and for both accounts i have one UAN number can i withdraw pf through CCF and i want to know about form 15g in form 15g 17th column is asking estimated income for PA should i calculate mi exact incom are can i write proximate income and What is the meaning of PA is it meen previous year are present year and What will be the assessment year for today i mean if i fill from 15g in this month then what will be the assessment year and what will be the previous year please suggest me and how can i get my pf claim thanks registereds braj
Kindly go through : How to fill Form 15G?
I would like with draw complete PF amount as I will not be working any more in india, I even want to with draw pension as well as. is it mandatory to have UAN card to with draw PF.When I am trying to download UAN card I am getting an error saying”Member identification failed” could you please guide me how can I get this claimed immidietly.
I have even changed the phone number from portal:18.104.22.168:9094 but still it is not updated.
Could you please help me with your phone number to discuss and claim on this?
Thanks & Regards,
Suggest you to kindly take help of your employer and get this done.
Thanks for your quick response, I still have small doubt that “I have total 7 years of exp and will they take up any amount for pension plan? I don’t want any amount to deduct for pension plan as I will not be working any more india so I want to withdraw entire PF amount.
One more question do they deduct tax for withdraw PF amount?
Thanks in advance and really appreciate your help.
Thanks & Regards,
If your total contribution period is above 5 years, income tax on PF withdrawal is not applicable. It is a tax-free amount for you.
Yes, you can withdraw full PF balance (EPF + interest amount and EPS amount).
Could you please let us know also let us know EPS is only applicable if the employee is contributed 10 years in organization if not he can withdraw EPS amount as well as right?
I have completed in my previous company almost 7.5 years still do I need to fill form 10 C?
Kindly help me with your suggestion!!
Thanks & Regards,
Yes, EPS can be withdrawn if the service period is less than 10 years.
Instead of Form 10c, you can submit new Composite Claim form as provided in the above article.
I want to partically withdraw my pf I am current working and I have only 3 years of total service is it possible to with draw since it say min of 5year required I am withdrawing for educational purpose please advice
Dear Rohith ..For education expense purposes, the minimum contribution period is 7 years.
I left my previous company in july last year and currently working for myself with no new pf money being taken. I saw that my UAN is linked with my PAN and bank details but not aadhar. I wish to now fully withdraw my pf money without having to go back to past employer because they are located in delhi which is not where i am based currently. Can i do this process online and by myself without having to get past employer signature pls?
Thanks in advance
Dear Abhi..As of now, online PF withdrawal facility is not yet been made available.
As your Aadhar number is not verified, you may have to submit Composite – Non-Aadhar form to your ex-employer and get it processed.
I would like to know what is mininum period to get my contribution and employer contribution if I apply for EPF withdrawal .
Dear SATHYANARYANA ..it is generally payable in 30 days.
I have been working in a company for 9.5years. Now I want to leave the company. For the final claim of my PF money as said I need to submit CCF directly to the EPFO office. What about the forms 15G and 15H. kindly advise in this regad
Suggest you to kindly enclose a copy of cancelled bank cheque, PAN card copy and filled Form 15G.
Read: EPF withdrawals & new TDS rules.
I have left my previous job on 31 December 2016 and i am going my PF by tomorrow. My employer advised me to bring the PF form so which form do i need to produce/bring to him and what are the required documents? Please advise.
Are you employed now and contributing to EPF scheme again?
Dear Sree, DSP-BR Micro Cap Fund has stopped new SIPs. Which fund is best alternative to that?
Dear Rakesh ..Do you have an active SIP in this fund? If so, can continue with them.
If you are in search of new SIP in a small cap fund, you may consider Franklin Small companies fund.
Best Equity funds 2017
How to pick right mutual fund schemes?
I want to withdraw some money from my PF account. Presently iam working please let me know the procedures to follow.
Are you referring to Partial withdrawal?
Kindly read: EPF partial withdrawal rules & options.
Hello Sreekanth, Need you suggestion on below :
1- HDFC Click 2 Invest – Running from 2015, Fund Allocation, shall I switch the fund ?
Blue Chip fund : 50%
Opportunities fund : 50%
2- HDFC click 2 Protect – yesterday I’ve taken Term plan of 50 Lakh.
3- ULIP – Planning to buy but waiting for your suggestions
Bajaj – Future Gain – For Retirement
SBI Life – ewealth Insurance – For – Growth
Please advise. Thanks
1 – May I know the reason for considering the Switch?
3 – Suggest you to avoid retirement based pension plans, you may try creating your own portfolio through better products like Equity MFs.
Read : Retirement planning & calculator.
Could you please suggest me MFs name and details to which I can consider for Investment purpose and retirement.
Sorry to asking so much questions I’ve never invested in MFs and not sure how to choose good ones. Your suggest is always my top priority. Thank You once again.
Suggest you to go through below articles;
How to pick right mutual fund schemes?
Best Equity funds 2017.
My MF portfolio
MF portfolio overlap analysis tools