EPF Withdrawal Guide: If you have a Provident Fund (PF) account under the Employees’ Provident Fund Organisation (EPFO), you can withdraw your accumulated funds anytime under certain conditions. Whether you're resigning, retiring, or facing a financial emergency, EPFO offers a hassle-free online method to claim your PF balance. Here's a step-by-step guide to withdraw funds and also check your balance easily.

💼 What is EPF?

Employee Provident Fund (EPF) is a retirement savings scheme backed by the government. Both employer and employee contribute to this fund monthly. The Employees’ Provident Fund Organisation (EPFO) manages these accounts and allows withdrawal under specific conditions such as retirement, unemployment, medical needs, education, or marriage.

🧾 How to Withdraw PF Online—Step-by-Step Process

You can withdraw your PF amount easily using the Unified Member Portal of EPFO. Here's how:

🔗 Step 1: Visit EPFO Portal

Go to:

🔐 Step 2: Log in

• Enter your UAN (Universal Account Number) and password

• Fill in the captcha code and click Sign In

✅ Step 3: Check KYC Status

• Go to the ‘Manage’ tab and select ‘KYC’

• Ensure your Aadhaar, PAN, and bank account details are verified

📄 Step 4: Go to Claim Section

• Click on ‘Online Services’

• Select ‘Claim (Form-31, 19, 10C & 10D)’

🔍 Step 5: Verify Details

• Your bank account number will appear—enter it again for verification

• Click ‘Verify’ and proceed

📌 Step 6: Choose Claim Type

• For full PF withdrawal, choose Form 19

• For pension withdrawal, choose Form 10C

• For partial withdrawals (like medical, marriage, or education), select Form 31

📝 Step 7: Fill Remaining Details

• Enter other necessary information

• Click ‘Submit’ to send your claim request

🧾 You’ll receive an acknowledgement receipt, which you can save for future reference.

⏱️ Processing Time: The amount is typically credited to your linked bank account within 5–20 working days.

📲 How to Check PF Balance with a Missed Call

You can also check your PF balance instantly without internet using your registered mobile number:

• Dial 9966044425 from your registered mobile number

• The call will disconnect automatically after one ring

• Within seconds, you’ll receive an SMS with your current PF balance and latest contribution details

🆓 Note: This is a free service provided by EPFO.

🛠️ Important Tips

• Ensure your KYC is updated and verified before initiating a claim

• Use the correct bank account linked to your UAN

• Keep your UAN activated and mobile number updated for smooth access to EPFO services

• Use Form 31 for advance/partial withdrawal (medical, education, etc.)

• Use Form 19 and Form 10C for final withdrawal after retirement or job change

🧩 Final Word

Withdrawing your PF amount is now simpler than ever through the online EPFO portal. Whether it’s for retirement planning, education, or emergencies, knowing how to access your hard-earned savings is crucial. Follow the steps above and ensure your documentation is complete for a hassle-free claim experience.