EPFO Online Claim - Withdraw PF Amount Online


The EPF scheme, managed by the EPFO under the 1952 Act, encourages employees to save for retirement. Governed by India's Ministry of Labour and Employment, both employers and employees contribute 12% of the basic salary and dearness allowance to the fund.

The current interest rate is 8.15% per year. This article explains how to claim EPF online.

Guide to Online EPF Claim Processing

  • Visit the official portal of EPFO member login, which is unifiedportal-mem.epfindia.gov.in.
  • Here, use your UAN and password to login into the EPF account. Enter the captcha code, then click on Sign in.
  • Now, click on the “Online Services” option.
  • A drop-down menu will open where you will see several options. Among them, choose ‘Claim (Form 31, 19 & 10C)’.
EPF Claim Online
  • Check all details on the page, including KYC and service information.
  • Enter the last four digits of your bank account and click 'Verify'—use the account number linked with your UAN.
  • An undertaking appears; select “Yes” to confirm the EPF claim amount will be credited to the specified bank account.
Proceed For Online Claim
  • Now, click on ‘Proceed for Online Claim’.
  • Under the option mentioning ‘I Want to Apply For’, select any one of them as per your requirement, which is Full EPF Settlement, EPF Part Withdrawal, or Pension Withdrawal.
  • Select the correct purpose mentioned under the ‘Purpose for which advance is required’ option.
  • Now, enter the amount of advance required.
  • It will ask to upload some documents for approval purposes, upload those documents. Now approve the withdrawal request.

The process for EPF withdrawal is complete now. The amount will be credited to your account within 15–20 days from the date of application.

Types of EPF Claim Forms

Form 19 – Final Settlement of PF

Form 19 is used for withdrawing EPF when retiring, leaving a job, or due to termination from work for reasons like sickness or retirement. It's a short form that asks for specific information.

  • PF account number
  • Bank account number (as registered by employer)
  • IFSC code
  • Date of joining
  • Date of leaving
  • PAN number (to avoid/reduce the quantum of TDS)
  • Form 15G/15H (for senior citizens and members under the income tax limit, respectively)

Form 10C – Pension Fund Settlement

Form 10C is for claiming Employee Pension Scheme (EPS) benefits.

  • Refund of employer share
  • Scheme Certificate for membership retention
  • Withdrawal Benefit

On these, the following conditions are applied:

  • If service is under 9.5 years and age below 50, employees can withdraw from the Pension Fund but won't get a pension.
  • Over 9.5 years of service and under 50, they can only get a Scheme Certificate.

Details required to fill in the form 10C.

  • Last employer’s name and address
  • PF account number
  • Last working day
  • Full postal address
  • Bank account details

Form 31 – PF Part Withdrawal

Form 31 is used to claim advances from the PF balance by a member. The form allows the withdrawal of money for various reasons, such as:

  • Purchase/construction of house/land/flat
  • Addition/alteration to house
  • Refund of outstanding principal and interest of loan
  • Lock/closure of establishment for more than 15 days, resulting in uncompensated unemployment for the member
  • No wage for more than 3 months
  • Discharge/dismissal that has been challenged in court
  • Own/family’s health treatment
  • Children’s education
  • Equipment purchase for a disabled dependent
  • Withdrawal within 1 year before retirement

Documents required

  • Universal Account Number and the mobile number used for activating UAN.
  • Member’s AADHAAR details.
  • Member’s Bank Account along with IFSC code.
  • Permanent Account Number (PAN).
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