Gone are the days of waiting in long queues at EPFO offices to withdraw your Provident Fund (PF). With the EPFO portal and UMANG app, you can complete the entire process online—securely and conveniently. Here’s a step-by-step guide to withdraw both PF balance and pension funds with ease.
1. What is Full & Final PF Withdrawal?
Full and Final Withdrawal allows you to withdraw:
Your contribution
Employer's contribution
Pension balance (if eligible)
Accrued interest
Can only be done after leaving your job and maintaining a two-month gap (unless exempted for special cases like medical needs or migration abroad).
2. Eligibility for Online PF Withdrawal
Must have UAN (Universal Account Number) activated.
Aadhaar and bank account must be linked to UAN.
Minimum two months gap from last employment (except in special cases).
3. Platforms to Withdraw PF Online
EPFO Member e-Sewa Portal (https://www.epfindia.gov.in/)
UMANG App – Available for Android & iOS users for easy mobile access.
4. Step-by-Step Guide for PF Withdrawal via EPFO Portal
Step 1: Visit EPFO Member e-Sewa portal & log in with UAN and password.
Step 2: Go to Online services → Claim (Form-31, 19, 10C & 10D).
Step 3: Verify your details (name, bank account, Aadhaar).
Step 4: Enter your last working day (date of exit).
Step 5: Choose Form 19 for PF withdrawal.
Step 6: Upload Form 15G (if withdrawal is above ₹50,000) to avoid TDS deduction.
Step 7: Enter Aadhaar-linked address and upload a cancelled cheque.
Step 8: Accept declaration and click Get Aadhaar OTP.
Step 9: Verify OTP & submit claim.
Step 10: Track claim status under Online services → Track Claim Status.
5. Withdrawing Pension Funds (Form 10C)
Follow the same steps but choose Form 10C instead of Form 19.
Used exclusively for withdrawing Employee Pension Scheme (EPS) funds.
6. Using UMANG App for PF Withdrawal
Download UMANG app → Select EPFO service.
Go to Employee Centric services → Raise Claim.
Follow similar steps as EPFO portal to submit claim.
7. Checking Claim Status
Claim status can be tracked under Track Claim Status in EPFO portal or UMANG app.
Processing typically takes 3–10 working days, depending on verification.
8. Documents Required
Aadhaar (linked to UAN)
Bank account details
Cancelled cheque (with your name)
PAN (for tax purposes if applicable)
Form 15G (optional, to avoid TDS deduction)
9. Key Benefits of Online PF Withdrawal
No need to visit EPFO offices or depend on agents.
Entire process can be done from home in minutes.
Faster settlements & real-time status tracking.
10. Final Takeaway
With wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW'>digital access through the EPFO portal and UMANG app, withdrawing PF and pension funds has never been easier. Ensure your KYC details are updated, follow the simple steps above, and get your funds directly in your bank account without hassle..jpg)
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