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Are you planning to withdraw your EPF (Employees’ Provident Fund) savings for a house, wedding, medical emergency, or any other urgent need? You can now easily withdraw your PF amount online from home without visiting any office.

Let’s break down the step-by-step guide to withdrawing EPF online.

🏦 What Is EPF?

The Employees' Provident Fund (EPF) is a government-backed savings scheme managed by EPFO (Employees' Provident Fund Organisation). Both the employer and the employee contribute to this fund monthly, and the accumulated corpus (with interest) is paid out at retirement.

However, under certain circumstances, you are allowed to partially or fully withdraw your EPF balance before retirement.

✅ Key Requirements Before Withdrawing EPF Online

Before you begin the process, ensure the following:

• Your UAN (Universal Account Number) is activated.

• Your Aadhaar, PAN, and bank account are linked with UAN.

• Your KYC is verified on the EPFO portal.

• If you are withdrawing more than ₹50,000 before 5 years of service, TDS may apply unless PAN is linked.

💻 Step-by-Step Guide to Withdraw EPF Online

Step 1: Visit the EPFO Member Portal

👉 Go to https://unifiedportal-mem.epfindia.gov.in
👉 Login using your UAN, password, and the captcha code.

Step 2: Verify KYC Details

🔹 Click on the "Manage" tab
🔹 Select "KYC" and ensure that Aadhaar, PAN, and bank account details are verified.

Step 3: Initiate Claim

🔹 Go to the "Online Services" tab
🔹 Click on “Claim (Form-31, 19, 10C & 10D)”

Step 4: Re-Verify Bank Details

🔹 Verify your bank account number shown on the screen
🔹 Enter it again and click on “Verify”

Step 5: Select the Type of Claim

• Form 19 – For full EPF withdrawal

• Form 10C – For pension withdrawal

• Form 31 – For advance withdrawal (medical, housing, etc.)

Step 6: Submit the Claim

🔹 Fill in required details
🔹 Upload supporting documents (if needed)
🔹 Click “Submit”

Step 7: Acknowledgement

✅ You will receive an acknowledgement number — save it for future reference.

⏳ How Long Does It Take to Receive Money?

Once the claim is submitted successfully, the PF amount is credited to your bank account within 5 to 20 working days.

📝 Summary