How To Withdraw PF Online After Leaving a Job?

Eligibility for PF Withdrawal Process Online

The eligibility criteria for PF withdrawal online are outlined below:
 

• The employee must serve a one-month notice period or provide an equivalent payment to the employer.

• The employee must update personal information on the EPFO portal.

• The employee is required to have continuous employment at the current job for a minimum of two months.

Procedure for PF Withdrawal After Resignation

The overview of the procedure for withdrawing PF funds after resignation is given below:
 

• Submission of Form 19: Initiate the PF withdrawal process by submitting Form 19 to your current employer. 
   

  This form can be obtained from the EPFO website or the nearest EPFO office. Sign the form and submit it along with a cancelled cheque or bank passbook.

• Transfer of PF Account: If you have changed jobs and hold multiple PF accounts, you can consolidate them by transferring your previous account balance to your current account. To do this, submit Form 13 to your current employer.

• Approval of Withdrawal Request: After submission, your current employer will review and approve the withdrawal request. This process may take up to 20 days from the date of submission.

• Receipt of PF Withdrawal Amount: Once approved, the accumulated PF balance will be credited to your bank account. This may take up to 30 days from the date of approval.

EPFO 3.0: ATM-based PF withdrawal in 2025

In 2025, EPFO will be introducing EPFO 3.0, a major update that allows you to withdraw your PF directly from ATMs using UPI or your Aadhaar.
 

The changes facilitate the following:
 

• Immediate access to your funds in emergencies.

• No need for employer approval or paperwork.

• Greater control over your savings, anytime and anywhere.

With over 7 crore members set to benefit, this update gives you easy access to your PF.
 

After gaining insight into ATM based PF withdrawal, let us understand how to withdraw PF online after leaving job.  

How to withdraw PF after leaving the job

You can withdraw your EPF both online and offline. Here are key steps on how to withdraw full pf amount after leaving job:
 

• Step 1: Visit the official EPFO portal and log in by entering your Universal Account Number (UAN) and password.

• Step 2: Navigate to the 'Online Services' section and select the 'Claim' option from the drop-down menu.

• Step 3: Upon redirection, input your bank account number and click 'Verify.'

• Step 4: Confirm by clicking 'Yes' and choose 'Proceed with Online Claim.'

• Step 5: Under the 'I want to Apply for' category, pick the type of withdrawal claim you wish to apply for.

• Step 6: Opt for the 'PF Advance' form, provide the reason for your EPF withdrawal, and submit your application. You may be required to submit supporting documents for verification. 

• Step 7: Following approval, the PF amount will be deposited into your bank account.
   

Offline process

If you prefer the traditional method, here's how it works:
 

• Composite claim form (Aadhaar):
  Use this form if your Aadhaar and bank account are linked to your UAN. No employer signature is needed. Directly, submit it to the nearest EPFO office.

• Composite claim form (non-Aadhaar):
  Use this form if your Aadhaar is not linked. You will need employer attestation before submission.

How to withdraw PF online using UAN (Step-by-Step)

With an active UAN and KYC completed, withdrawing your PF is simple and can be done in just a few steps.
 

Follow these steps on the EPFO member e-SEWA portal:
 

1. Log in to the EPFO Member Portal using your UAN and password.

2. Go to ‘Online Services’ and click on ‘Claim (Form-31, 19, 10C & 10D)’.

3. Verify the bank details linked to your UAN.

4. Tick the declaration box and click ‘Proceed for Online Claim’.

5. From the dropdown menu, select the type of claim—Full PF settlement, PF advance, or Pension Withdrawal.

6. Enter the reason, amount, and your current address.

7. Submit the form and authenticate it with the OTP sent to your Aadhaar-linked mobile number.

Once submitted, you can track the status of your claim anytime by visiting ‘Track Claim Status’ on the portal.

New EPF withdrawal rules 2025

The EPFO has introduced changes this year to make withdrawing your PF easier and faster. Here’s what’s new:
 

1. Higher withdrawal limit
   You can now withdraw up to 75% of your PF balance during emergencies such as medical needs, job loss, or natural disasters, providing more support when needed.

2. Faster claim processing
   The claim settlement time has been reduced to just 3 working days, allowing quicker access to your funds.

3. ATM-style withdrawal pilot
   In selected cities, you can withdraw your PF using kiosk machines, similar to an ATM, with Aadhaar and OTP. No forms or queues are required.

4. Automatic approval for small claims
   Claims under Rs. 50,000 will be automatically approved if your KYC is complete, with no need for employer approval.

5. Digilocker integration
   Your PF balance, claim status, and history will now be available in your DigiLocker account, allowing you to track everything in one place without needing to log into multiple portals.

EPF withdrawal rules & tax consequences after resignation

When a person opts to withdraw their PF after resigning, they must understand the associated tax* implications. Let's explore the tax regulations for PF withdrawals based on the duration of an employee's service:
 

1. Tax Rules for Service Less Than 5 Years: If an employee has worked for less than five years, the PF withdrawal will not be subject to tax deductions.

2. Tax Rules for Service More Than 5 Years: For employees with more than five years of service, the PF withdrawal becomes liable to tax deductions. If the employee has not completed five years of service, a Tax Deducted at Source (TDS) of 10% will apply.
    

However, if the employee has worked for more than five years and provided their PAN details during withdrawal, the TDS rate remains at 10%. In cases where the PAN details are not provided, the TDS rate rises to 34.608%.
 

You must note that the TDS deducted is not the final tax* liability for the employee, which depends on their income tax slab for the financial year.

Process to enter exit date for PF withdrawal

You can easily update your exit date in the UAN portal by following these simple steps.
 

• Log in to the UAN portal: Use your Unified Account Number (UAN) and password to access your account.

• Go to the ‘manage’ tab: From the dropdown menu, select the ‘Mark Exit’ option.

• Select your employer: Choose the correct employer from the list.

• Enter required details: Fill in your date of birth, date of joining, and exit date. Ensure the exit date matches the one in your resignation or relieving letter.

• Check the exit date: Go to the ‘Service History’ section under the ‘View’ tab to confirm your details.

How to Check Your PF Withdrawal Status Online?

You can easily check the status of your PF withdrawal online through the EPFO portal. Follow the steps below:
 

• Step 1: Navigate to the EPFO official website. Select 'Services' and then choose 'For Employees.'

• Step 2: Opt for 'Know Your Claim Status.'

• Step 3: Click on the provided link, which will direct you to the member passbook application.

• Step 4: Access your account by entering your Universal Account Number (UAN), password, and captcha verification.

• Step 5: You will now see the 'View Claim Status' option. Click on it to check your claim status.

Which are the forms used for EPF withdrawal?

Below are the commonly used forms for EPF withdrawal:
 

1. EPF form 31
   This form is used for advance withdrawals or for specific purposes. It is also known as the Advance Form.

2. EPF form 19
   This form is used to claim your final settlement or pension benefits. You can submit this form even if you don’t have a UAN by just using your PF account number.

3. Form 10C
   Use this form to withdraw your pension amount if you have left your job after completing at least 6 months of service but less than 10 years.

What are the documents needed for EPF withdrawal?

The following documents may be  necessary to initiate a PF withdrawal:
 

• Universal Account Number (UAN)

• Proof of identity and address

• Bank account details

• A cancelled cheque with the IFSC code and account number

When can you withdraw EPF?

Many people think EPF can only be withdrawn after retirement, but there are other situations where withdrawal is allowed.
 

You can withdraw your EPF in the following cases:
 

• After 2 months of unemployment: Full withdrawal is permitted.

• At retirement: You can withdraw the full EPF balance.

• When changing jobs: Wait until your UAN is linked to your new employer; no withdrawal is needed.

• For personal reasons: Partial withdrawals are allowed for purposes like marriage, education, home loan repayment, or medical treatment.

Conclusion 

 The Employees’ Provident Fund (EPF) is a retirement savings scheme that provides steady returns and tax* benefits. You can withdraw your EPF online through the EPFO portal by logging in with your UAN, verifying your bank details, and submitting a withdrawal claim. Withdrawing funds before completing five years of continuous service can impact your long-term retirement corpus and may attract tax liabilities. Therefore, it is important to consider long-term financial planning options, such as a dedicated Retirement Plan, to ensure financial stability and security for both you and your spouse during retirement and unforeseen financial challenges.