How to Withdraw PF Money Online in 8 Simple Steps

Need to dip into your Provident Fund savings before retirement? Whether it's for a financial emergency, medical need, or a major life event, withdrawing your EPF money online is now a smooth and hassle-free process. Here's a step-by-step guide to help you complete your PF withdrawal online from the comfort of your home.

✅ Get These Things Ready First

Before you begin, make sure the following are in place:

• Your UAN (Universal Account Number) is active
• UAN is linked to your Aadhaar, PAN (mandatory if withdrawing over ₹50,000 before 5 years of service), and bank account
• All KYC details are verified on the EPFO portal

🖥️ How to Withdraw EPF Money Online: Step-by-Step

1. Visit the EPFO Member Portal

Head to the official site:
https://unifiedportal-mem.epfindia.gov.in/memberinterface/

2. Log In

Enter your UAN, password, and captcha. Click Sign In.

3. Check KYC Verification

Go to ‘Manage’ > ‘KYC’ and ensure your Aadhaar, PAN, and bank details are verified.

4. Navigate to Online Claim Section

Click on ‘Online Services’ > ‘Claim (Form-31, 19, 10C & 10D)’

5. Verify Bank Details

Your linked bank account number will be displayed. Re-enter it to verify and proceed.

6. Choose the Type of Withdrawal

• Form 19: For full PF withdrawal
• Form 10C: For pension benefits
• Form 31: For partial withdrawals (medical, education, marriage, etc.)

7. Fill In Details & Upload Documents

State the reason for withdrawal, fill in required fields, and upload any supporting documents (if prompted).

8. Submit the Claim

Click ‘Submit’. A confirmation receipt will be generated - save it for your records.

⏳ When Will You Get the Money?

Once submitted, it typically takes 5 to 20 working days for the funds to be credited to your linked bank account.

Final Tip:

Keep your contact details updated on the portal and track your claim status regularly. With the digital process in place, accessing your retirement savings has never been simpler.