BAJAJ BROKING
March 04, 2025
7 mins read
The Employees' Provident Fund is a savings and retirement scheme that offers a diverse range of benefits to its members. Not only is it a relatively safe investment avenue for salaried individuals, but it also entails high returns, option for partial withdrawals, and lifetime pension. It is possible for EPF members to request a partial withdrawal from their EPF balance, and EPF form 31 is central to the process. In this article, we shall discuss
What is EPF form 31
How to fill and submit EPF form 31 online and offline
Documents required to be attached with EPF form 31
Tax implications of premature withdrawals from your EPF account
How to track the status of your EPF form 31 application
EPF form 31 can be used for partial withdrawals from your Employees' Provident Fund account. However, this facility is only available for specific circumstances that include
Expenses for education
Medical expenses
Expenditure on marriage
Purchase of land or construction/ purchase of house
Repayment of home loan
Premature withdrawal upon the completion of 55 years of age and/ or 10 years of service
Withdrawal of EPF balance following resignation or termination from service
Complete withdrawal of EPF balance on retirement
Now that we have discussed what is EPF form 31 and when it is applicable, let us delve into the process to download the form. You can access EPF form 31 from the official website of the Employees' Provident Fund Organisation (EPFO). In order to download EPF form 31, you must follow the steps mentioned below.
Visit the official website of the Employees’ Provident Fund Organisation.
Log in using your EPF account's Universal Account Number (UAN).
Select online services followed by claim.
Check and verify the personal particulars that appear on the ensuing page.
Click on proceed.
Choose PF advance claim from the list of claims displayed on the following screen.
Mention the reason for claiming premature withdrawal from EPF.
Submit the withdrawal amount.
Enter your current correspondence address.
Review the form details and click on submit.
E sign the form using Aadhaar based One Time Password.
Submit the EPF form 31 application.
Additional Read: How to Check PF Status Online
You can also fill and submit EPF form 31 offline. In order to do so, you can follow the steps mentioned below.
Visit the EPFO's website and download form 31.
Print the downloaded form and fill the required details.
Request your employer to provide you with a certificate confirming your employment with them. Furthermore , the employer must fill in the following details in form 31.
Your designation
Date of submitting the form
Signature of the employer
Submit the signed EPF form 31 to the applicable regional office of the Employees' Provident Fund Organisation.
If you wish to submit EPF form 31 online, you can follow the below mentioned process.
Visit the official website of the EPFO.
Log in using your EPF account's Universal Account Number and password.
Select online services followed by form 31, 19, 10D, and 10C.
Verify the auto filled form that appears on the following screen by using the last four digits of your bank account number.
Peruse the terms and conditions that appear on the next screen and click on I agree.
Click on proceed with online claim.
Select PF advance from the subsequent drop-down menu. Mention the required details such as amount of PF withdrawal, reason for withdrawal, etc.
Submit the EPF form 31.
Additional Read: EPF or PF Withdrawal Rules
It is important to remember that although the funds in your EPF account belong to you, they are meant to be used to build a retirement corpus for you. Hence the aforementioned amount can be withdrawn only under specific circumstances. The following table highlights the reasons for which you can request a partial withdrawal from your EPF account through EPF form 31.
Reason for withdrawal from EPF | Minimum years of service required to initiate the request | Withdrawal limit | Conditions to be fulfilled |
Educational expenses | Seven | Up to 50% of employee's contribution to EPF | To bear the expense of higher education for self or children |
Purchase of land/ house or construction of house | Five | For land - 24 x monthly salary For house - 36 x monthly salary | The land or property must be registered in the name of the EPS member or their spouse (or jointly held by both) |
Marriage | Seven | Up to 50% of employee's contribution to EPF | To handle the expenses for one's marriage or that of their child or sibling |
Renovation of house | Five | 12 x monthly salary | The house must be registered under the employee's name or their spouse's (or jointly held by both) |
Home loan repayment | One | Up to 90% of (employer's contribution to EPF plus employee's contribution to EPF) |
|
Withdrawal before retirement (but after attaining the age of 57 years) | - | 90% of EPF account balance (including interest) | To fulfill any financial obligations |
EPF form 31 must include important information pertaining to the EPF member submitting the form, including
Name and mobile number of the applicant
Full postal address of the applicant
Valid proof of identity and address
EPF account number
Amount to be withdrawn
Reason for partial withdrawal and a self declaration for the same
Amount of monthly salary
Preferred method of payment
A cancelled bank cheque for the payout
Name and address of the bank in which the payout is requested
IFSC code pertaining to the applicant's bank account
While submitting EPF form 31, you must keep the following documents handy.
Attested copy of your PAN card and Aadhaar card
A copy of your EPF passbook
Attested copy of your appointment letter with your employer
Attested copy of your latest pay slips
A cancelled bank cheque
Other documents as may be required for reason-specific withdrawals, for instance, an attested copy of medical certificate is required for partial withdrawals for medical reasons.
Additional Read: How to Withdraw PF Online
Should you withdraw an EPF balance exceeding ₹50,000 before the completion of five years of service, there shall be a 10% deduction for Tax Deducted at Source (TDS). If your PAN details are not submitted during the withdrawal process, the same deduction shall increase to 30%. Therefore, it is advisable to submit your PAN details while requesting partial withdrawal from EPF.
Notably, there is no TDS deduction if the EPF withdrawal happens after the completion of five years of service. Similarly, there is no TDS deduction for transfer from EPF to the National Pension Scheme.
You can easily check the status of your EPF premature withdrawal claim submitted through form 31. Here are the steps you must follow.
Visit the Employees’ Provident Fund Organisation’s website and click on claim status.
Select your PF office from the subsequent drop down menu.
Type your organisation’s establishment code.
Enter your PF account number and click on submit to check the status of your claim.
The latest status of your EPF withdrawal request shall be displayed.
Here are some points you must remember while filling and submitting your EPF form 31.
Fill all the details accurately and verify them before submission of the form.
You cannot use money order as the mode of payout for withdrawals exceeding ₹2,000.
Offline submission of EPF form 31 must include a certificate from the employer.
You will need to enter the last four digits of your bank account to verify your EPF form 31 online before submission.
Your PAN card and Aadhaar card must be linked with your EPF account for the online submission of EPF form 31 to be possible.
It is critical to fill all the details in EPF form 31 accurately and attach all the required documents to ensure successful completion of the claim process. Since your Employees’ Provident Fund contributions are a part of retirement planning, withdrawals from the account should be made only for important reasons. Furthermore, you must ensure that you are eligible for premature withdrawals from EPF for the category that you are applying under (the reason for the withdrawal - marriage, house purchase, education, medical emergency, etc.). Lastly, you must submit your PAN details to ensure the seamless processing of the withdrawal request.
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This content is for educational purposes only. Securities quoted are exemplary and not recommendatory.
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Completion of one year of service
House registered in self or spouse's name or jointly registered under both
Combined balance in the employee's bank account and their spouse's account must be ₹20,000 or higher.
No, you cannot claim EPF without logging in to the EPFO portal.
Yes, PAN is required to be submitted for EPF withdrawal, particularly to establish the taxability of the amount being withdrawn.
Form 31 is for partial withdrawals from EPF account pre retirement while form 19 is for final settlement after retirement or resignation/ termination.
The permissible number of PF withdrawals is contingent upon the purpose of the withdrawal and the rules set by EPFO for that.
The maximum withdrawal amount using PF form 31 is subject to the balance in your PF account and the rules for the specific category of withdrawal (for instance home purchase)
Incomplete information
Ineligibility for withdrawal of a specific nature (for instance, education)
Inaccurate information
Lack of necessary documents
It may take several weeks for EPF form 31 to be processed and you can track the application status on the EPFO's website.
Claims made for meeting medical expenses are generally processed quickly but there is no actual timeline. You can check the claim status on the EPFO's website.
No, you cannot withdraw your pension contribution through EPF form 31. This form is applicable only for withdrawal from the EPF balance in your account.
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