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  • Employee Provident Fund - EPF Form 31

    The Employees Provident Fund (EPF) form 31 is an application for advance from the provident fund. F-31 is, therefore, known as ‘Advance Form’ and used for acquiring loans, withdrawals or advances from an employee’s provident fund account. Under normal circumstances, the advance amount need not be refunded. All the same, if the advance amount is not used, it should be refunded along with interest. Also, it is important to note that a certain sum of minimum EPF Balance is required to be maintained in the provident fund account of an employee prior to calculation of the admissible advance amount, subject to the eligibility criteria for each condition.

    EPF Form 31

    Table 1. Overview about EPF Form 31
    Form Name EPF Form 31
    Known as PF Advance Form
    Provided by EPFO
    Submitted for Application for advance or loam from the provident fund.
    Allowed Reasons House repair, Medical treatment, Wedding, Education
    Benefits for Employees

    The advances or loans taken from the EPF scheme can cater to his or her different financial requirements such as weddings, medical exigencies and constructing a house among others. The list of reasons for which advanced may be taken by an employee are listed below:

    • Housing loan repayment
    • Education
    • House repair
    • Wedding
    • Medical treatment
    • Construction of a dwelling
    • Plot purchase
    • Lockout
    • House alteration
    • Physically handicapped
    • Abnormal conditions such as natural calamities
    • Cut in supply of electricity

    Downloading the EPF Form 31

    EPF subscribers can download the Form 31 online, from the EPF website. The form can also be filled in online. There are certain sections of the form that must be filled in by the applicant’s employer. Some details, such as Account Number, funds to be reimbursed, mode of remittance, and section must be filled in by the EPF Officer.

    Documentation required for PF withdrawal/Loan from PF

    The documentation which has to be produced by an employee for various purposes in EPF Form 31 is listed is the table below:

    Table 2. Required Documents for PF Withdrawal



    Equipment for physically handicapped

    Certificate from a doctor

    Adversely affected due to lack of power supply

    Statement from state government

    Adversely affected by occurrence of natural calamities

    Certificate from the concerned authority

    Lock out of an establishment


    House repair (only once)

    Proof of need for repair

    House alternation (only once)

    Proof of need for alteration

    Plot purchase

    Declaration form, copy of purchase agreement

    Housing loan repayment

    Signed declaration

    Construction of a dwelling

    Signed declaration

    Medical treatment

    Certificate from a registered medical physician, certificate from employer about lack of ESI facility, certificate from specialist (leprosy, tuberculosis)


    Marriage certificate


    Bonafide certificate from the concerned educational institution

    What does EPF Form 31 Contains?

    An employee has to fill out the following information in Form 31 under the Employee Provident Fund Scheme 1952

    • Mobile number
    • Purpose for which advance is required
    • Advance amount required
    • Name of the member
    • Husband’s name (married women)
    • Provident Fund Account Number
    • Monthly basic wages plus dearness allowance
    • Full postal address
    • Signature of applicant
    • Signature of employer
    • Mode of remittance
    • If an advance is being taken for housing loan repayment or construction of a flat or site via an agency, an employee has to mention the name of the recipient on whose name the cheque has to be drawn in addition to the complete address of the recipient
    • Savings Bank account number
    • Name of the bank
    • Branch name and complete address
    • IFS code
    • Copy of a canceled cheque
    • If the advance is being taken for wedding expenses, the employee has to mention the details of his daughter/sister/son/brother who is getting married including his or her age, wedding date and address (if the advanced applied for is not meant for marriage purposes, an employee need not fill in any details in the section)
    • Signature of the employer
    • Signature of the applicant
    • Details related to advanced stamped received
    • Signing official’s designation (along with establishment’s stamp)
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