How to Withdraw My EPF Amount Online – A Complete Step-by-Step Guide

If you’ve recently switched jobs, are planning a sabbatical, or need financial support for a major life event—like higher education, medical emergencies, or home buying—you might be considering tapping into your Employees’ Provident Fund (EPF). The good news? The EPF withdrawal process is now fully online, simple, and quick if you meet the eligibility requirements. This guide helps you understand how to apply for EPF withdrawal online, the documents you need, how to check your EPF withdrawal status online, and more.

Additional Read: EPF Eligibility Explained: Rules, Criteria & Benefits | m.Stock

How and When Can You Withdraw Your EPF?

The EPF is a long-term retirement savings scheme managed by the Employees’ Provident Fund Organisation (EPFO). Contributions are made monthly by both you and your employer. While it’s ideally meant to support your post-retirement, the EPFO allows partial or full withdrawal under certain circumstances, subject to specific rules.

Additional Read: Rules for EPF or PF Withdrawal in India Explained | mStock

When Can You Withdraw EPF? 

You can apply for EPF withdrawal online under the following conditions:

Note: You must be KYC-compliant and your Aadhaar must be linked with your UAN to initiate an EPF withdrawal online.

Steps to Apply for EPF Withdrawal Online via UAN Portal

If you're wondering how to apply for EPF withdrawal online, here’s a step-by-step breakdown through the Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface/):

Step 1: Log in to the UAN Portal

• Visit the UAN portal and log in using your Universal Account Number (UAN), password, and CAPTCHA. 
• Ensure your UAN is active and KYC-compliant (Aadhaar, PAN, and bank details must be verified).
• Click on the ‘Manage’ section in the UAN portal and choose ‘KYC’ to review if your key details—such as Aadhaar, PAN, and bank account information—have been successfully verified and updated.

Step 2: Navigate to 'Online Services'

• Click on 'Online Services' from the menu bar.
• Select 'Claim (Form-31, 19 & 10C & 10D)'.

Step 3: Enter Details and Verify KYC

• Confirm your bank account details (as per EPFO records).
• Enter the last four digits of your bank account number for verification.
• Proceed to the claim form.

Step 4: Choose the Type of Withdrawal

• Under ‘I Want To Apply For,’ select the appropriate option (Full EPF Settlement, Partial Withdrawal, or Pension Withdrawal).
• If you’re applying for Form-31 (partial withdrawal), choose the purpose from the drop-down (e.g., medical, marriage, home purchase).

Step 5: Upload Documents (if needed)

• Some claims like medical or education may require proof. Upload scanned documents as per instructions.

Step 6: Submit and Get Acknowledgement

• Agree to the declaration and submit your claim.
• A reference number will be generated to help you track your EPF withdrawal status online.

Most withdrawals are processed within 5–20 working days, provided all details are accurate.

Additional Read: Track Your PAN Card Application Online Easily | m.Stock

Documents Needed for EPF Withdrawal

To avoid delays or rejections in the claim process, make sure the following documents are ready and uploaded wherever required:

• Aadhaar card (linked with UAN and bank account)
• PAN card (mandatory if withdrawing before 5 years of continuous service; TDS applicable)
• Bank account details (name must match with EPFO records)
• Cancelled cheque with the account number and the IFSC code
• Form 15G/15H (optional, to avoid TDS if income is below exemption limit)
• Supporting documents for specific withdrawals:
  • Medical certificate (for illness-related claims)
  • Admission letter or fee structure (for higher education)
  • Marriage invitation card (for wedding claims)
  • Home loan sanction letter (for home loan repayment)

Important: Always ensure that your bank account is seeded and verified in the UAN portal before raising a withdrawal request.

How to Track Your EPF Withdrawal Status

Once you’ve successfully submitted your claim, you can track your EPF withdrawal status online using multiple methods:

1. UAN Portal

• Go to ‘Track Claim Status’ under ‘Online Services’.
• Your claim’s status (under process, approved, settled, or rejected) will be displayed.

2. UMANG App

• Download the UMANG App (Unified Mobile Application for New-age Governance).
• Log in using your mobile number linked to your Aadhaar.
• Go to ‘EPFO’ → ‘Employee Centric Services’ → ‘Track Claim Status.’

3. EPFO Website

• Visit https://epfindia.gov.in and check the ‘Know Your Claim Status’ section.

Key Points to Remember

• TDS Deduction: If you withdraw before 5 years of continuous service, 10% TDS is deducted if PAN is furnished; 30% without PAN. Submit Form 15G/15H if your total income is below taxable limits.
• Link Aadhaar and PAN: Linking your Aadhaar and PAN with UAN is mandatory for online withdrawal.
• Only one active bank account: The EPFO recommends that only one verified bank account be linked to your UAN to avoid delays.

Conclusion

Thus, to conclude, the EPF is more than just a retirement fund—it’s a safety net that can help you navigate key life milestones. With the EPF withdrawal online facility, accessing your funds is now easier, faster, and hassle-free. Whether you're changing jobs, facing financial stress, or planning a big move, you now know how to apply for EPF withdrawal online and how to track your EPF withdrawal status online every step of the way.

In a world where time is money, being financially literate about processes like EPF withdrawal is very important. With the right documentation and steps, your EPF claim can be just a few clicks away.

Additional Read: EPF vs EPS – Key Differences Explained for Better Retirement Planning | m.Stock