Who needs this service?
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Unemployed Individuals: Those who have lost their job and want to withdraw funds for survival (75% after 1 month, 100% after 2 months).
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Employees in Need (Advance): Current employees facing emergencies like illness, marriage, or buying a house.
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Retirees: Individuals retiring from service (after age 58) for full settlement.
Eligibility Criteria (Quick Check)
Before applying, ensure you fall into one of these categories:
1. For PF Advance (Partial Withdrawal while working):
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Medical Emergency: Anytime (No minimum service).
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Marriage (Self/Child/Sibling): After 7 years of service.
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Education (Post-Matriculation): After 7 years of service.
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Home Purchase/Construction: After 5 years of service.
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Home Renovation: After 5 years of service.
2. For Full Withdrawal (Final Settlement):
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Retirement: On attaining 58 years of age.
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Unemployment:
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75% Withdrawal: Allowed if unemployed for 1 month.
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100% Withdrawal: Allowed if unemployed for 2 months or more.
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Required Documents
Keep these ready in digital format (JPG/PDF, max 500KB) before logging in:
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Universal Account Number (UAN): Must be activated.
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Aadhaar Card: Must be linked with UAN and mobile number.
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Bank Account Details: Account number and IFSC code must be seeded in the portal.
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Cancelled Cheque or Passbook: Scanned copy showing Name, Account Number, and IFSC clearly.
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PAN Card: Mandatory if service is less than 5 years and withdrawal amount is > ₹50,000 (to avoid high TDS).
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Form 15G/15H: If service < 5 years and amount > ₹50,000, but total income is non-taxable (upload pdf to save tax).
Online Application Process (Step-by-Step)
This process applies to both PF Advance (Form 31) and Final Settlement (Form 19/10C).
1. Login to the Unified Member Portal
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Go to the official website: unifiedportal-mem.epfindia.gov.in
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Enter your UAN, Password, and Captcha.
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Click Sign In.
2. Verify KYC Details
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On the top menu, click Manage → KYC.
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Ensure your Aadhaar, PAN, and Bank details are status “Approved by Employer/DSC“.
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If not approved, you must contact your employer first.
3. Initiate the Claim
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Go to Online Services (top menu) → Select Claim (Form-31, 19, 10C & 10D).
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The screen will show your details (Name, DOB, Father’s Name).
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Bank Verification: Enter the last 4 digits of your registered bank account number in the box provided and click Verify.
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Click Yes on the “Certificate of Undertaking” pop-up.
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Click Proceed for Online Claim.
4. Select Claim Type
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“I want to apply for”: Select the relevant option from the dropdown:
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PF Advance (Form 31): If you are currently working.
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Only PF Withdrawal (Form 19): For final settlement (unemployed/retired).
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Only Pension Withdrawal (Form 10C): For withdrawing pension fund (if service > 6 months & < 10 years).
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5. Fill Details (For Advance/Form 31)
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Select Purpose: Choose the reason (e.g., Illness, Natural Calamity, Purchase of Dwelling House). Note: You will only see options you are eligible for.
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Amount Required: Enter the amount you wish to withdraw (subject to eligible limits).
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Address: Enter your current address.
6. Upload Documents
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Click Browse to upload the scanned copy of your Cheque/Passbook.
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Important: The image must be clear/readable, or the claim will be rejected.
7. Final Authentication
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Check the declaration box at the bottom.
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Click Get Aadhaar OTP.
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Enter the OTP received on your Aadhaar-linked mobile number.
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Click Validate OTP and Submit Claim Form.
Success! You will see a message: “OTP has been verified, e-KYC updated and PF Claim Form submitted successfully on Unified Portal.”
How to Check Status
You do not need to visit the office to check if your money is processed.
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Unified Portal:
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Log in to unifiedportal-mem.epfindia.gov.in
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Go to Online Services → Track Claim Status.
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It will show statuses like “Submitted to Portal”, “Under Process”, or “Settled”.
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Passbook Portal:
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Visit passbook.epfindia.gov.in
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Login and click Claims. It shows detailed history.
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UMANG App:
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Open App → EPFO → Employee Centric Services → Track Claim.
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Offline Process (If Online is Not Possible)
Use this only if your Aadhaar is not linked or you have biometric issues.
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Download the Composite Claim Form (Non-Aadhaar) from the EPFO Website.
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Fill in your details manually.
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Important: This form must be attested (signed/stamped) by your employer.
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Attach a Cancelled Cheque and self-attested copies of PAN/Aadhaar.
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Submit it physically to the EPFO Regional Office where your account is maintained.
Common Problems and Solutions
1. Error: “Date of Exit is not updated”
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Problem: You cannot apply for Form 19/10C (Final Settlement) because the system thinks you are still working.
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Solution: Login to Portal → Manage → Mark Exit. Select your employer, choose the “Date of Exit” (usually last working day), select reason “Cessation (Short Service)”, and verify via Aadhaar OTP. You can do this 2 months after leaving the job.
2. Claim Rejected: “Cheque/Passbook not clear”
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Solution: Re-apply immediately. This time, take a high-quality photo or scan where your Name, IFSC, and Account Number are perfectly readable. The file must be a JPG/JPEG between 100KB and 500KB.
3. Claim Rejected: “Name Mismatch”
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Problem: Your name in PF records is “Ramesh K” but in Bank/Aadhaar it is “Ramesh Kumar”.
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Solution: You must file a Joint Declaration Form (offline) signed by your employer to correct the name in PF records to match Aadhaar exactly.
4. Error: “Service less than 6 months”
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Solution: If your total service is less than 6 months, you can only withdraw the Employee Share (Form 19 or 31). You generally lose the eligibility for Pension withdrawal (Form 10C).
5. Delay in Credit
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Standard Time: Claims usually settle in 3 to 20 days.
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Solution: If it is stuck “Under Process” for >20 days, lodge a grievance at epfigms.gov.in.
Official Helplines
If you are stuck, use these official government channels:
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Toll-Free Helpline: 14470 (7:00 AM to 9:00 PM)
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Missed Call Service: Give a missed call to 9966044425 from your registered mobile (To get balance/status via SMS).
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SMS Service: Send
EPFOHO UAN ENG(or HIN for Hindi) to 7738299899. -
Grievance Portal: epfigms.gov.in (For official complaints).
This information is from official sources as of January 2026. Always verify on the official EPFO portal for the latest updates.
Next Step: Would you like me to guide you on how to fill the “Mark Exit” date yourself if your employer is refusing to do it?
