BAJAJ BROKING
March 03, 2025
9 mins read
A Provident Fund (PF) Withdrawal Form is essential for an employee to withdraw funds from his Employee Provident Fund (EPF) account. Hence, if you are working as an employee of an organization, you need to know which form you have to fill in a certain situation. Read this blog, as it throws light on various kinds of PF withdrawal forms, which EPF withdrawal form you need to provide in which situation, etc.
When a person is employed, both he and his employer are supposed to make an equal contribution to the Employees’ Provident Fund (EPF) Scheme. The main objective of EPF is to create a fund during a person’s employment that can financially support him after he retires. Besides, individuals are allowed to use their EPF funds for certain financial obligations. But, they have to fill out various forms based on their needs to withdraw these funds. Based on the objective of fund withdrawal, there are different types of PF claim forms. Having learnt the objective of the EPF withdrawal form, let us discuss this topic further.
An individual can completely withdraw his EPF balance in the circumstances mentioned below:
Upon his retirement.
If he is out of work for more than two months. However, in this situation, an individual has to get an attestation, which must be from a gazetted officer, to withdraw his funds.
That said, if he has not been unemployed for a period of two months or more, he is not allowed to withdraw his entire EPF balance while changing jobs.
An individual is allowed to make a partial withdrawal from his EPF funds but only in exceptional circumstances, such as higher education, medical emergencies, or the acquisition of a home.
The following documents are required for the PF withdrawal application:
Form 10D and Form 10C
Bank account statement
Two revenue stamps
Address proof
Identity proof
A cheque that is blank and cancelled. Your account number and IFSC code should be visible on it. Besides, the cheque should be of an account that is only in your name. In other words, you are the single account holder of it.
Various kinds of EPF withdrawals forms are explained below:
EPF Form 10C: This form is meant to be filled out for withdrawing your pension. 8.33% of the 12% contribution to your EPF account is meant for pension, which is kept for your retirement. However, you can withdraw it in certain circumstances (e.g., medical emergency and unemployment for a period of two months or more). You need to fill out this EPF withdrawal form to retain the membership of the EPF and avail of the benefits.
EPF Form 10D: If you have retired and you need to get monthly pension benefits, then you have to fill out this form. However, in the event of your demise, your legal claimant (legal heir/nominee) shall fill out this form.
That said, in order to become eligible to get monthly pension benefits, you need to finish ten years of service in the formal sector. If you are not yet 58 years of age, you can get a pension only at a reduced rate. However, if you are 58 years of age or older, you can get full pension benefits.
That said, in case you had to retire due to a physical disability, you do not need to complete 10 years of service to get full pension benefits. So, in this case, you will get full pension benefits even if you have discontinued the service before 10 years.
EPF Form 19: If you want to withdraw your EPF funds for the purpose of the final settlement, you need to fill out this EPF withdrawal form. Apart from that, you can also fill out this form to withdraw your pension benefits and get a PF non-refundable advance.
EPF Form 5: This form has to be mandatorily filled out by the 15th of every month by those companies that are registered under the Employees’ Provident Fund Scheme. In this form, companies need to provide the details of those employees, who have been recently enrolled under the EPFO schemes. It could be that no new employee has joined the company. In such a case, the company shall enter “NIL” in the form.
EPF Form 15G: If you withdraw funds from your EPF account before working for 5 years with your existing employer, then your employer will deduct tax-at-source (TDS) from your withdrawal proceeds.
However, if your total income including the PF proceeds does not exceed the minimum tax slab (i.e., you have no tax liability), then you can fill out EPF Form 15 stating the same. As a result, your employer will not deduct any tax.
You can also submit the form to avoid the payment of TDS on interest that you earn on your EPF balance. However, if you are a senior citizen, you have to submit Form 15H along with EPF Form 15G.
EPF Form 11: You need to fill out this form when you join a new company that is registered under the EPF Scheme, if you are not a member of EPFO already. However, even if you are a member, you need to fill out this form after you switch from one employer to another. It is a self-declaration form that has your EPF history. You can also use it to transfer your PF account automatically.
EPF Form 31: You need to submit this EPF withdrawal form to withdraw your EPF funds upon resignation from your job. If your employment is terminated, you can use this form to withdraw your EPF balance. If you want to make a partial withdrawal for medical treatment or educational expenses, you can fill out this form. You can also submit this form for the final settlement of your EPF balance after completing 10 years of service or at attaining the age of 55.
EPF Form 14: If you want to use your EPF balance to pay your LIC policy premiums, then you need to fill out this form. In case, you need to apply for this facility, you shall attest this form with your organization and provide it to the EPF commissioner.
EPF Form 19: If you want to close your existing EPF account, you need to fill out EPF Form 19 to apply for claim settlement of your PF balance. That said, you can make such an application only if you are unemployed for 2 months or more.
EPF Form 2: This form is used when you want to designate beneficiaries for your EPF account who will get funds in the unfortunate event of your death.
EPF Form 20: If an employee expires, his legal heir or nominee needs to submit this form to claim a final settlement of his EPF account.
EPF Form 5(IF): In case an EPF member passes away, his legal heir or nominee has to submit this form to claim the insurance amount under the Employees’ Deposit Linked Insurance Scheme (EDLI). Hence, the legal heir or nominee uses this form to claim the death benefit of the member who has passed away. In the form, he has to provide his details and that of the deceased member for claim processing.
Now that you know about various kinds of EPF withdrawal forms, let us discuss how to withdraw EPF funds online.
Please follow these steps to make an EPF withdrawal online:
Step 1: Go to the UAN portal.
Step 2: Provide your UAN and password. You need to also fill in the captcha.
Step 3: Click on the “Manage” page. Over there, you need to click “KYC” to check if your KYC details (e.g. PAN, Aadhar, & bank details) have been validated.
Step 4: After verifying your KYC information, go to the “Online Services” tab and choose “Claim (Form-31, 19 & 10C)” from the drop-down menu.
Step 5: You will get a screen that will have your information, KYC information, and other information related to the service. Here, you should provide your bank account number and click on the “Verify” button.
Step 6: Now, you must click “Yes” which will let you sign the undertaking certificate. After that, you can proceed.
Step 7: You have to now click “Proceed for Online Claim.”
Step 8: You will be able to see the claim form and heading “I Want to Apply For.” Here, you need to select the claim you want (e.g., EPF part withdrawal, full EPF settlement, etc). However, if you are not eligible for any service, like pension withdrawal, that choice will not be shown in the drop-down menu.
Step 9: Now, you need to select “PF Advance” to withdraw your EPF funds. At this stage, you must provide the objective of the advance, the amount needed, and your address.
Step 10: Finally, you need to submit your application. For that, you must click on the certificate. You may have to submit scanned documents for the purpose which made you fill out the form. You will receive money only if your employer provides his approval to your withdrawal request.
You can make EPF withdrawals through the UAN member portal. But, before logging into the portal to make a withdrawal request, you have to activate your UAN. You can also transfer money from your old PF account to a new one through the portal. Besides, you can check the status of your EPF withdrawals through this portal, too. For that, you should go to the “Online Services” tab of the website and select “Track Claim Status.” You do not have to provide a reference number to check the status, as it is displayed on the screen.
The following are the conditions that need to be met for you to make an EPF withdrawal:
You can withdraw the complete amount from your EPF account only after retirement. As per EPFO, you need to attain the age of 55 to be considered for early retirement.
Partial withdrawals are allowed from your EPF account but only in the case of a medical emergency, higher education, or acquisition of a home or a building.
EPFO allows you to withdraw 90% of the entire balance one year before you retire.
If you are laid off or retrenchment has resulted in you losing your job, you can withdraw your EPF funds.
You can withdraw only 75% of your EPF funds after a month of being unemployed. After you get employed, the remaining funds will be transferred to your new EPF account.
As an employee, you do not need to obtain the permission of your employer to withdraw EPF funds. You can get permission online by attaching your Aadhar and UAN to your EPF account.
To make a claim online, you should have an active UAN, PAN & Aadhar, and bank details that are linked with your UAN.
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This form needs to be filled and submitted if an individual wants to withdraw his EPF funds for the final settlement. It can also be used to withdraw your pension benefits.
It usually takes around 20 days to process a PF withdrawal claim.
No, you are not permitted to withdraw your EPF funds while you are still in employment. You have to be unemployed to withdraw your EPF balance.
These documents are needed to make a PF withdrawal: UAN, bank account information, identity & address proof, and a cancelled cheque with the account number and IFSC code.
A TDS of 10% is levied if an employee withdraws his EPF balance before finishing 5 years of service and the amount is more than ₹ 50,000.
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