Withdrawing funds from your Employees’ Provident Fund (EPF) account has become more accessible with digital platforms like the EPFO Member Portal and the UMANG app.
This guide provides a detailed, step-by-step walkthrough for both methods, ensuring a seamless withdrawal process.
Prerequisites for Online PF Withdrawal
Before initiating the withdrawal process, ensure the following:
-
Your UAN (Universal Account Number) is activated.
-
Your Aadhaar, PAN, and bank account details are linked and verified with your UAN.
-
Your KYC (Know Your Customer) details are updated and approved.
Method 1: Withdrawing PF via the EPFO Member Portal
The EPFO Member Portal offers a user-friendly interface for online PF withdrawals.
Step-by-Step Process:
-
Log in to the EPFO Member Portal:
-
Visit the EPFO Member e-Sewa Portal.
-
Enter your UAN, password, and captcha code to sign in.
-
-
Navigate to the Claim Section:
-
Click on the ‘Online Services’ tab.
-
Select ‘Claim (Form-31, 19 & 10C)’ from the dropdown menu.
-
-
Verify Member Details:
-
Your personal and KYC details will be displayed.
-
Enter the last four digits of your bank account number and click ‘Verify’.
-
-
Agree to the Terms:
-
Click on ‘Yes’ to accept the terms and conditions.
-
-
Proceed with the Claim:
-
Click on ‘Proceed for Online Claim’.
-
Under the ‘I Want To Apply For’ section, choose the appropriate claim type:
-
Full EPF Settlement
-
EPF Part Withdrawal (Loan/Advance)
-
Pension Withdrawal (Form 10C)
-
-
-
Submit the Claim:
-
Fill in the required details based on the selected claim type.
-
Click on ‘Get Aadhaar OTP’, enter the OTP received on your registered mobile number, and submit the claim.
-
-
Acknowledgment:
-
Upon successful submission, you will receive an acknowledgment number to track your claim status.
-
Method 2: Withdrawing PF via the UMANG App
The UMANG (Unified Mobile Application for New-age Governance) app provides a convenient way to access EPFO services on your smartphone.
Step-by-Step Process:
-
Download and Install UMANG:
-
Download the UMANG app from the Google Play Store or Apple App Store.
-
-
Register/Login:
-
Open the app and register using your mobile number.
-
Log in with your credentials.
-
-
Access EPFO Services:
-
In the app’s search bar, type ‘EPFO’ and select it.
-
Navigate to the ‘Employee Centric Services’ section.
-
-
Initiate a Claim:
-
Click on ‘Raise Claim’.
-
Enter your UAN and proceed.
-
-
Authenticate via OTP:
-
An OTP will be sent to your registered mobile number.
-
Enter the OTP to verify.
-
-
Select Withdrawal Type:
-
Choose the type of withdrawal:
-
Full EPF Settlement
-
Partial Withdrawal for Medical, Education, Marriage, etc.
-
Pension Withdrawal
-
-
-
Submit the Claim:
-
Fill in the necessary details and submit the claim
-
-
Receive Acknowledgment:
-
An acknowledgment number will be provided to track your claim status.
-
If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.
Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.
Required Documents For PF Withdrawal online
-
Aadhaar Card
-
PAN Card
-
Bank Account Details (linked with UAN)
-
Cancelled Cheque (for bank account verification)
-
Form 15G/15H (if applicable, to avoid TDS)
Processing Time – Typically, online PF withdrawal claims are processed within 5 to 15 working days. Ensure all details are accurate to avoid delays.
Additional Tips for a Smooth PF Withdrawal
-
KYC Update: Ensure your KYC details are updated and approved by your employer.
-
Claim Status Tracking: Regularly check the status of your claim using the acknowledgment number on the EPFO portal or UMANG app.
-
Troubleshooting: If you encounter issues, contact EPFO via the grievance portal.
By following this guide, you can efficiently withdraw your PF amount using either the EPFO Member Portal or the UMANG app. Ensure all your details are up-to-date to facilitate a smooth transaction.
Troubleshooting Common PF Issues
1. KYC Not Updated or Rejected
If your KYC (Know Your Customer) details are not updated or have been rejected, you won’t be able to proceed with online PF withdrawal. Here’s how to update your KYC:
-
Step 1: Log in to the EPFO Member Portal.
-
Step 2: Navigate to the ‘Manage’ tab and select ‘KYC’.
-
Step 3: Update necessary details such as Aadhaar, PAN, and bank account information.
-
Step 4: Save the changes and wait for employer approval.
2. Aadhaar-PAN Mismatch
Ensure that the details on your Aadhaar and PAN cards match exactly. Discrepancies can lead to claim rejections. If there’s a mismatch, update the information on the respective platforms before proceeding.
Step-by-Step KYC Update Process
Keeping your KYC details updated is crucial for seamless PF transactions. Here’s how to do it:
-
Access the EPFO Member Portal: Visit EPFO Member Portal.
-
Log In: Enter your UAN, password, and captcha code.
-
Navigate to KYC Section: Click on the ‘Manage’ tab and select ‘KYC’.
-
Update Details: Add or update your PAN, Aadhaar, bank account, and other relevant information.
-
Save and Submit: After entering the details, click ‘Save’. Your employer will need to approve the changes.
How to track Your PF Claim Status Online?
Via EPFO Member Portal
-
Log in to the EPFO Member Portal.
-
Navigate to the ‘Online Services’ tab.
-
Click on ‘Track Claim Status’.
-
Your claim status will be displayed on the screen.
Via UMANG App
-
Open the UMANG app on your smartphone.
-
Navigate to ‘EPFO’ services.
-
Select ‘Employee Centric Services’.
-
Tap on ‘Track Claim’.
-
Enter your UAN and OTP to view the claim status.
Resolving Issues Through EPFO Grievance Portal
If you encounter issues that aren’t resolved through standard procedures, you can lodge a grievance:
-
Visit the EPFO Grievance Portal: Go to EPFiGMS.
-
Register Grievance: Click on ‘Register Grievance’ and fill in the required details, including your UAN and the nature of the complaint.
-
Submit: After providing all necessary information, submit the grievance.
-
Track Status: You can track the status of your grievance by clicking on ‘View Status’ on the same portal.
If you’ve ever had questions like “Why is my EPF claim rejected?”, “What’s the difference between EPF and EPS?”, or “How can I check my PF balance online?”, check this comprehensive FAQ section on provident fund here
If you’re looking for a broker that offers speed, transparency, and advanced tools, Dhan is one of the best choices today. With zero brokerage on delivery trades and intuitive charts, Dhan is built for both beginners and pro traders. Invest in Stocks, F&O, Commodities, Currency, ETFs, Mutual Funds, SGBs, IPOs, SIPs and much more.
Click Here to Open Your Free Dhan Account
No paperwork. No account opening charges. Get started in 5 minutes! Dhan also offers advanced tools like TradingView & Options Trader built-in.
Conclusion:
Withdrawing your Provident Fund (PF) has never been easier thanks to digital platforms like the EPFO Member Portal and the UMANG app. By ensuring your KYC details are up-to-date and following the correct procedure, you can initiate and track your PF claim from the comfort of your home.
Whether you’re opting for a full settlement, partial withdrawal, or pension claim, this guide equips you with everything you need to complete the process quickly and correctly. If you run into any issues, EPFO’s grievance portal is there to support you.
Stay informed, keep your documents updated, and make the most of your EPF benefits with ease and confidence.
If, you have liked the content please do share it with your friends or on social media, as sharing do bring the good karma. If you have any questions or feedback you can leave them in comment box below.
Disclaimer
The information provided in this article is for general informational purposes only. While we strive to keep the content accurate and up to date, procedures and policies related to EPF withdrawal may change. Readers are advised to visit the official EPFO website or consult with an authorized EPFO representative for the latest guidelines. We do not take responsibility for any errors, omissions, or losses incurred based on the information shared here.
