PF Withdrawal Online 2026: Full & Partial EPF Claim with UAN (Form 19, 10C, 31)

Full withdrawal

After 2 months unemployed, or retirement at 58

After 1 month unemployed

75% of EPF balance; rest after 2 months

Forms

Form 19 (PF), Form 10C (pension), Form 31 (advance)

Where

EPFO member portal or UMANG app

Your EPF account has two parts: the Provident Fund (your and your employer's contributions with interest) and the pension fund (EPS). Form 19 is used to withdraw the PF part in full when you leave a job and stay unemployed for two months, or when you retire at 58. Under para 68HH, after one month of unemployment you can withdraw 75% of the PF balance, and the remaining 25% after two months. Form 10C covers the pension part: if your total service is between 6 months and 10 years, you can take a withdrawal benefit or a scheme certificate; with 10 years or more you get a monthly pension from age 58. Form 31 is for partial advances while still working — for example buying or building a house (generally after 5 years of membership, up to 90% for a house under para 68-BD), medical treatment, or children's education and marriage (generally after 7 years, up to 50% of your own share).

Online claims remove the need to visit the EPFO office or get the employer's signature in most cases — if your UAN is linked and verified with Aadhaar, the claim goes straight to EPFO. The money comes directly to your bank account, you can track the claim online, and many advance claims are now settled automatically within a few days. Knowing the right form and the tax rules in advance helps you avoid rejections and unnecessary TDS.

• ✓UAN activated and linked with Aadhaar; Aadhaar details matching EPFO records
• ✓Bank account with correct IFSC and PAN seeded and verified in KYC (PAN needed to avoid higher TDS)
• ✓Mobile number linked with Aadhaar to receive the claim OTP
• ✓Full withdrawal: unemployed for 2 months (75% after 1 month), or retired at 58
• ✓Pension withdrawal (Form 10C): service between 6 months and 10 years; 10+ years means pension, not withdrawal
• ✓Form 31 advances: minimum membership period and purpose as per the EPF Scheme (e.g. 5 years for house, 7 years for education/marriage)

• ✓UAN and password for the member portal
• ✓Aadhaar number linked and verified with UAN
• ✓PAN (for TDS at 10% instead of the higher rate)
• ✓Bank account number and IFSC seeded in KYC
• ✓Aadhaar-linked mobile for OTP
• ✓Form 15G/15H if your income is below the taxable limit and you want to avoid TDS
• ✓For some advances: declaration or proof of purpose as asked on the portal

1. Open unifiedportal-mem.epfindia.gov.in or the UMANG app and log in with UAN and password
2. Check under Manage → KYC that Aadhaar, PAN and bank account are verified
3. Go to Online Services → Claim (Form 31, 19, 10C)
4. Verify your bank account by entering the last four digits
5. Choose the claim type — full withdrawal (19), pension (10C) or advance (31) — and the reason
6. Accept the certificate of undertaking and submit with the OTP sent to your Aadhaar mobile
7. Track progress under Track Claim Status; money is credited to your bank after approval

There is no application deadline for withdrawing your own PF. The two-month unemployment condition for full withdrawal counts from your date of exit marked by the employer, so make sure your exit date is updated on the portal. Interest stops being paid on accounts that stay inoperative for a long period after retirement age, so do not leave the money unclaimed for years.

• ✓Name or date of birth in Aadhaar not matching EPFO records — fix it before filing
• ✓Employer has not marked the date of exit, so the claim option does not open
• ✓Applying for full withdrawal before two months of unemployment, leading to rejection
• ✓Not linking PAN, which can mean TDS at the higher rate instead of 10%
• ✓Withdrawing the pension part with 10+ years of service, losing the monthly pension benefit
• ✓Paying agents for a process that is free on the official portal