PF Withdrawal Form

Various forms are available under the Employees’ Provident Fund (EPF) scheme. Depending on the purpose, the EPF Form would vary. Funding a Life Insurance Corporation (LIC) policy, advances of EPF amount and withdrawal of EPF amounts are some of the purposes where different forms are needed.

Different EPF Forms

Given in the table below are the different EPF Forms that are available:

Form Purpose
Form 2 Nomination for the EPF and Employees’ Pension Scheme (EPS)
Form 5 Registration form for new employees for EPS and EPF
Form 5(IF) Employees’ Deposit Linked Insurance (EDLI) scheme claim form
Form 10C EPS withdrawal
Form 10D To apply for a pension after retirement
Form 11 Automatic transfer of EPF
Form 14 LIC Policy
Form 15G To save Tax Deducted at Source (TDS) for any interest that is generated from EPF
Form 19 Settlement of EPF
Form 20 EPF settlement in case of employee’s death
Form 31 Withdrawal of EPF

Documents Required for PF Withdrawal Form

PF Withdrawal Form
PF Withdrawal Form

The most common documents required to withdraw your provident fund balance are listed below:

  1. Form 19
  2. Form 10C and Form 10D
  3. Form 31
  4. Two revenue stamps
  5. Bank account statement
  6. Identity proof
  7. Address proof
  8. A blank and cancelled cheque (IFSC code and account number should be visible). Also, you should ensure that the cheque provided by you is a single account holder cheque only.

Method to Fill EPF Form 19 Online

Given below is the list of steps that must be followed to fill the Form 19 online:

  1. First, you must login to your Universal Account Number (UAN) portal by entering your UAN, password, and captcha details. This can be done on the Employees Provident Fund Organisation (EPFO) website (
  2. UAN Login Portal
  3. On the next page, you must click on ‘Claim (Form – 31, 19 & 10C)’ which can be found under the ‘Online Services’ tab.
  4. Click on Claim Form 31
  5. Next, you must enter the last four digits of your bank account number and click on ‘Verify’.
  6. Enter Bank Account Number
  7. The ‘Certificate of Undertaking’ will pop up. You must click on ‘Yes’.
  8. Certificate of Undertaking
  9. In the ‘I want to apply for’ drop-down menu, you must select ‘Only PF Withdrawal (Form-19)’.
  10. Select Only PF Withdrawal
  11. On the next page, check the disclaimer and click on ‘Get Aadhaar OTP’.
  12. You will receive an OTP on your registered mobile number.
  13. You will need to submit the application after entering the OTP details.
  14. You will receive a reference number once the application is submitted.

Form 19

This form allows you to withdraw your PF balance after quitting your job, superannuation, termination or at the time of retirement. Under no circumstances can any establishment or organisation can stop you from withdrawing from your provident fund balance.

The form requires you to fill in the following details:

  • Your name as per your payslip
  • Your father’s name or husband’s name (married women)
  • Provident fund account number (pay slip)
  • Reason for leaving the previous service
  • Date of leaving the previous service
  • Your permanent address
  • Your preferred mode of remittance
  • Name and address of your establishment
  • Contribution for the current financial year

Employees can also file a claim for PF withdrawal using Form 19 on the EPFO website. A new form can be downloaded and filled out and submitted on the website.

Form 19

Form 10C

Form 10C is used for making claims of PF withdrawals. This form is to be submitted by employees who fall under the age bracket of 50 years, i.e., aged below 50 years. This form is usually submitted with F-19/20 for the following schemes:

  • Settlement of withdrawal under old Family Pension Fund
  • New Employees’ Pension Scheme (EPS 95)
  • Scheme certificate for membership retention (under 58 years)

The form requires you to fill in the following details:

  • Name of the claimant
  • Marital status
  • Name and address of the establishment
  • Code and account number
  • Date of leaving
  • Reason for leaving service
  • Are you willing to accept scheme certificate in lieu of withdrawal benefits?

Advance Report

This is given when you opt for payment of withdrawal benefit by cheque.

In 2017, the EPFO launched new EPF Withdrawal Forms that do not require the employer’s signature. The forms are Form 10C UAN, Form 19 UAN and Form 31 UAN. The eligibility criteria for using these forms include having a UAN that has been activated and the individual’s PAN, Aadhaar, and bank details should be seeded with the UAN. Additionally, the employer has to verify the employee’s KYC with a digital signature.

Form 10C

Form 10D

Form 10D is used for making Monthly Pension claims. This form is also submitted along with the F-19/20. If the employee is aged more than 50 years but less than 58 years, he/she will be required to submit Form 10D.

The form requires the following details to be filled up:

  • Name of the claimant
  • Permanent Address
  • Marital Status
  • Name and address of the last organisation
  • Date of leaving the last organisation
  • Reason for leaving the last organisation
  • Advance Report and so on
Form 10d

Form 19 UAN

This form is applicable when an employee resigns due to physical disabilities, permanent relocation to a different country and on retirement. Filling the form is fairly simple. The employee has to provide all the details such as UAN, PAN and date of exit from the job. If the tenure at the job were less than five years, the employee would also have to submit Form 15G or Form 15H. However, these additional forms can only be submitted if the annual income of the employee is less than Rs.2.5 lakh.

The employee would also have to submit a cancelled cheque with the required bank details for the transfer. Once the form is filled and the required documents are attached, the same should be signed and submitted at the EPFO office.

Form 10C UAN

Form 10C UAN is submitted along with Form 19 when an employee also claims the amount accumulated under the Employee Pension Scheme (EPS). This form is applicable when the employee resigns before completing ten years at their job. This can also be used in cases where the employee resigns before completing ten years of service. All the details of the form such as PAN, UAN, date of joining and date of leaving should be duly filled out and submitted at the EPFO office.

Form 31 UAN

This form is used when an employee wishes to withdraw their EPF or require an advance. All the details of the form such as PAN, UAN, date of joining and date of leaving should be duly filled out and submitted at the EPFO office.

FAQs for PF Withdrawal Form

  1. Can EPF be claimed offline?
  2. Yes, individuals can use the offline withdrawal form for claiming EPF.

  3. For withdrawal of EPF, is PAN mandatory?
  4. Individuals will need to update PAN details if they do not want an additional tax to be reduced from their EPF account. There can a be high tax deducted at source (TDS) of up to 34.6% if PAN details are not updated if one withdraws an amount higher than Rs.50,000.

  5. Is it mandatory to submit Form 15G/H for EPF withdrawal?
  6. If individuals withdraw their EPF after 5 years of employment, they are exempted from paying tax. However, to be exempted from paying tax for withdrawing EPF before the 5-year period, Form 15G/H must be submitted.

  7. Are there any withdrawal limits for EPF?
  8. Depending on the purpose of withdrawal, limits can vary.

    Purpose of withdrawal Limit of withdrawal
    Wedding 50% of the contribution made towards PF
    Home renovation 12 times the individual’s monthly salary
    Unemployment 75% after one month, the remaining after 2 months of unemployment
    Medical purpose Six times the monthly salary or lower than the total corpus
    Repayment of home loan Up to a maximum of 90% of the total corpus
    Retirement Entire PF balance

  9. What is the eligibility to withdraw EPF for repayment of home loan?
  10. The member must have completed three years of continuous employment in order to be eligible to withdraw PF for repayment of home loan. However, the maximum amount that can be withdrawn is 90% of the corpus.

  11. What is the process to withdraw the previous employer’s PF if the current employer is also a member of the EPFO?
  12. An individual will not be able to his/her previous PF if the current employer is also a member of the EPFO. The individual must transfer the PF amount from the previous organisation to the current one. This can be done on the EPFO portal by using the UAN details.

  13. Is there any tax that must be paid for withdrawing PF before 5 years of service?
  14. Depending on the individual’s slab rate, the PF amount withdrawn before completing 5 years of employment is taxable. There is no TDS deduction if the amount is less than Rs.50,000. If the amount is more than Rs.50,000, the TDS will be charged at an interest rate of 10%. If the amount that is withdrawn and the PAN is not updated, TDS will be charged with an interest rate of 34.608%.

  15. Is there any limit to the number of times PF can be withdrawn?
  16. Depending on the reason for withdrawal, PF can be claimed various times.

    • PF can be withdrawn a maximum of three time for marriage and post-matriculation education.
    • PF can be claimed only once in case of purchasing or constructing a house.
    • Before retirement, there is no limit to the number of times, PF can be claimed for medical emergencies and treatment of a critical illness.

News About PF Withdrawal Form

  • PF Withdrawal Rules due to COVID-19

    The Government of India on 26 March announced that there will be certain amendments regarding the withdrawal of provident fund (PF) from Employee’s Provident Fund (EPF). This move was announced by the government to counter the impact of Coronavirus on people in case they are facing any financial crunch. The rule states that you can withdraw an amount equal to three months of basic and dearness allowance (DA) or 75% of the credit balance in the account whichever is lower. You can also visit the official website of EPF or get in touch with your employer to more in detail regarding the withdrawal process.

    29 May 2020

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