EPF Withdrawal Steps (Online Process)
- aakash rathod
- May 9
- 5 min read
You can withdraw your EPF online if your UAN is activated and KYC (Aadhaar, PAN, Bank details) are updated and verified
💻 Step-by-Step Online EPF Withdrawal:
Visit the EPFO Member Portal
👉 https://unifiedportal-mem.epfindia.gov.in/memberinterface/
Log in using your UAN and password
In the top menu, click on:
👉 "Online Services" → "Claim (Form-31, 19, 10C & 10D)"
Your details will appear (Name, Date of Birth, PAN, Aadhaar, Bank details).
✅ Ensure these are correct.
Enter the last 4 digits of your bank account → Verify
Click on “Proceed for Online Claim”
Under “I want to apply for”, select:
PF Advance (Form 31) → for partial withdrawal (loan/advance)
Only PF Withdrawal (Form 19) → for full withdrawal
Only Pension Withdrawal (Form 10C) → for pension withdrawal
Choose the purpose for withdrawal (if applicable) → enter the amount (if required) → upload scanned documents (if needed)
Submit your claim
👉 You will get an acknowledgment message on the screen and SMS on your registered mobile number.
✅ If approved by your employer (if required), the claim amount is usually credited to your bank account within 10-15 working days.
📌 Conditions for Full Withdrawal:
You can withdraw 100% EPF balance if:
✔️ You have retired
✔️ You are unemployed for 2 months or more (with self-declaration)
📌 Conditions for Partial Withdrawal (Advance):
You can withdraw part of your EPF balance for specific purposes like:✔️ Medical treatment✔️ Marriage✔️ Education✔️ Purchase of land/house✔️ Repayment of home loan
Each reason has specific eligibility criteria and limits.
📝 Offline EPF Withdrawal (if online is not possible):
Download and fill the Composite Claim Form (Aadhaar or Non-Aadhaar version) from the EPFO forms page.
Submit the form along with documents to the EPFO Regional Office.
Employer attestation may be required (only for the Non-Aadhaar form).
✅ Track Claim Status Online:Visit: https://www.epfindia.gov.in/site_en/For_Employees.php?id=sm_claim
EPF stands for Employees' Provident Fund. It is a retirement savings scheme managed by the Employees' Provident Fund Organisation (EPFO), under the Government of India.
✅ Under this scheme:
Both the employee and employer contribute a portion of the employee’s salary every month to an EPF account.
The contributions earn interest every year.
The total amount (contributions + interest) is paid out when the employee retires, resigns, or under certain conditions like unemployment or emergencies.
💰 Key Features of EPF:
✔️ Mandatory savings for employees working in companies with 20+ employees (can also apply to smaller firms voluntarily)✔️ 12% of basic salary + DA contributed by employee✔️ Employer also contributes 12%, part of which goes towards pension (EPS)✔️ Funds accumulate tax-free until withdrawal (under certain conditions)✔️ Can be partially withdrawn for specific reasons (education, marriage, home loan repayment, medical emergency, etc.)
🎯 Why is EPF Important?
✅ Encourages long-term savings✅ Provides financial security after retirement✅ Earns interest higher than regular savings accounts✅ Acts as an emergency fund in times of need
In short, EPF is a retirement savings scheme where both you and your employer save for your future, while earning interest on the contributions!
Would you like to know about EPF contribution rates, how to check balance, or any other specific aspect? 😊
4o
You said:
What is the EPF Passbook?
ChatGPT said:
Great question! Here’s a simple explanation:
📝 What is the EPF Passbook?
The EPF Passbook is an online statement or record that shows the details of contributions made to your Employees' Provident Fund (EPF) account by both you (employee) and your employer every month.
It works like a bank passbook, but for your EPF account, helping you track your balance and transactions.
📄 Key Details Shown in the EPF Passbook:
✅ Employer and employee contributions (month-wise)✅ Contributions towards EPF and EPS (pension scheme)✅ Interest credited✅ Total balance in your account✅ Member ID, Establishment ID, UAN
🎯 Why is the EPF Passbook Important?
✔️ Allows you to monitor your monthly contributions✔️ Helps you verify if your employer is depositing money regularly✔️ Shows the interest earned on your deposits✔️ Useful for tracking eligibility for withdrawal or advances
💻 Where can you access it?
You can view or download your EPF Passbook online from the EPFO Member Passbook Portal:👉 https://passbook.epfindia.gov.in/MemberPassBook/Login
You’ll need your UAN (Universal Account Number) and password to log in.
✅ Note: The passbook is updated only for accounts with active UAN and completed KYC (Aadhaar, PAN, bank linking).
📝 How to Know Your UAN (Universal Account Number) if You Forgot It
If you’ve forgotten your UAN, follow these steps to retrieve it online:
🔗 Step-by-Step Process:
Go to the EPFO official website:
On the homepage, click on “For Employees” under the Services section.
Scroll down to “Services” → click on “Member UAN/Online Service (OCS/OTCP)”.
On the next page, click on “Know your UAN”.
A form will appear asking for your mobile number and captcha.
👉 Enter your registered mobile number and captcha → click “Request OTP”.
You will receive an OTP on your registered mobile number → enter the OTP.
After mobile verification, you will be asked to enter your:
Name (as per Aadhaar)
Date of Birth
Aadhaar number / PAN / Member ID (any one)
After entering details, click “Show My UAN”.
✅ Your UAN number will be displayed on the screen and also sent to your mobile via SMS.
📌 Important Notes:
The mobile number must be the one registered with EPFO/UAN portal.
Make sure your Aadhaar, PAN, or Member ID are linked with your UAN for verification.
In short, you can easily recover your UAN online using your registered mobile number and Aadhaar/PAN details without visiting any office!
Would you also like steps on activating UAN or resetting UAN password
📝 How to Check Your EPF Passbook and Account Balance
The Employees' Provident Fund (EPF) is indeed one of the most popular retirement savings schemes in India. As explained, both the employee and employer contribute (usually 12% of your basic salary + DA each), and these contributions accumulate with interest, helping you build a secure financial future for retirement.
✅ To keep track of these contributions and the balance, you can check your EPF Passbook online or through other official services provided by EPFO.
Here’s how you can check your EPF Passbook and balance:
💻 1. Online via EPFO Member Passbook Portal
Visit: 👉 https://passbook.epfindia.gov.in/MemberPassBook/Login
Login using your UAN (Universal Account Number) and password.
Select your Member ID to view your passbook.
You can download or print the passbook for your records.
📌 Note: You can access the passbook only if your UAN is activated and KYC (Aadhaar, PAN, bank details) is updated.
📞 2. Via Missed Call
Give a missed call to 011-22901406 from your registered mobile number.
You’ll receive an SMS with your latest EPF balance details.
(Ensure your UAN is activated and mobile number is linked with your UAN.)
📲 3. Via SMS
Send an SMS in the format:
👉 EPFOHO UAN ENG
to 7738299899
(Replace ENG with your preferred language code like HIN for Hindi, MAR for Marathi, etc.)
You’ll receive your balance info via SMS.
📱 4. Through UMANG App
Download the UMANG app from Google Play Store or App Store.
Select EPFO services → View Passbook
Login with your UAN and OTP (received on registered mobile) to view your passbook.
✅ Key Benefits of Checking EPF Passbook Regularly:✔️ Keep track of monthly contributions by both you and your employer✔️ Ensure correct deposits and interest credits✔️ Detect discrepancies or missing contributions early
By regularly checking your EPF passbook, you can stay informed about your growing retirement fund and ensure everything is in order.
Would you like me to explain any of these methods in more detail or assist with UAN activation or KYC update?
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