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EPF Form 31 – What It Is, Eligibility, Filing Procedure, and Instructions

Form 31 of the Employees Provident Fund allows partial withdrawal of retirement funds from the corpus. Such withdrawals may be used for loans, medical care, home improvements, schooling, etc.

The Government of India started the Employees' Provident Fund (EPF) to boost savings among working individuals. EPF enables monthly contributions by employees and employers toward building retirement funds. While primarily meant for post-employment use, the EPF also allows partial access to the corpus during employment under certain situations.
 

To do so, you must file EPF Form 31. This form facilitates advance withdrawals from the Provident Fund for specified needs even before retirement. The objective remains to provide social security to employees while offering some flexibility through staggered withdrawals when needed. To learn more about Form 31 in EPFO, continue reading.

When Can You Use EPF Withdrawal Form 31?

You can use EPF Form 31 to withdraw your PF funds partially or in full only under certain circumstances.  You can withdraw EPF only under the following circumstances –
 

  • Resignation - If you resign, you can use Form 31 to withdraw the EPF money contributed during your employment.
  • Retirement - Once you retire after meeting the minimum age requirements, Form 31 allows you to access your full EPF savings.
  • Termination - If your employer terminates your employment for any reason, you can file Form 31 to withdraw EPF funds.
  • Partial withdrawal - You may use the form to withdraw up to 75% of your balance for needs like medical treatment or a child's education.
  • After 10 years of service - If you've worked for 10+ years, you can close your EPF account and claim the corpus using Form 31.
  • After age 55 - Even if you haven't served 10 years, the entire EPF balance can be withdrawn once you turn 55 years old via this form.

Documents Required for EPF Form 31
 

Reason/Purpose

Documents

Equipment for physically handicapped

Doctor Certificate

Adversely affected by natural Disasters

Certificate from the concerned authority

Adversely affected due to lack of power supply

Statement from the state government

Lockout of an establishment

Declaration

House repair (only once)

Proof of need for repair

House alteration (only once)

Alteration form

Plot purchase

Purchase agreement

Housing loan repayment

Signed declaration

Medical treatment

Medical certificate

Construction of a dwelling

Signed declaration

Wedding

Marriage certificate

Education

Bonafide certificate from the concerned educational institution

Download EPF Form 31: Step-By-Step Guide

You must follow these steps when downloading PF Advance Form 31 online.
 

  • Log in to the EPFO member portal using your UAN and password.
  • Press on “Online Services” and choose the claim section.
  • Once you click to claim, another page will open. You need to fill in your details.
  • After filling it in, Check all the information.
  • Then click ‘Proceed for Online Claim’.
  • After that, you can choose the claim type.
  • Select PF ADVANCE (FORM 31) from the list.
  • Select the cause of PF withdrawal, like education, buying a house, wedding, etc.
  • Next, enter your address and quantity.
  • After completing it, you need to sign the disclosure form.
  • Next, Tap on the ‘Get Aadhaar OTP’ option.
  • Validate OTP and submit the claim form.

Details of the Form 

EPF Form 31 includes the following details:
 

  • Mobile number
  • Purpose for withdrawal
  • Name of the member
  • Advance amount required
  • Husband's name (married woman)
  • PF Account Number
  • Monthly basic wages plus DA
  • Signature of applicant
  • Full postal address
  • Signature of employer
  • Mode of  Transfer
     

If an agency provides an advance for housing loan repayment or building a flat or site, you have to provide the recipient's name and full address on the check.
 

  • Savings Bank account number
  • Name of the bank
  • Branch name and complete address
  • IFSC code
  • Copy of a canceled cheque
     

You must list the age, wedding date, and address of his daughter/sister/son/brother who is getting married if the advance is for wedding expenses.
 

  • Employer signature
  • Applicant signature
  • Advanced stamped
  • Signing the official's Designation

EPF Withdrawal Limit

EPF enables limited withdrawals from employees' accounts. This amount depends on the EPF withdrawal reason. A detail follows.
 

Reason of EPF Withdrawal

Withdrawal Limit

Medical emergency

Total sum or six times monthly salary—whichever is less.

Repayment of Home loan

Upto 90% of the total EPF amount

Wedding

50% of EPF contributions to date

Home Renovation

12 times the monthly salary

Unemployment

75% 1 month after unemployment, 25% 2 months later.

Retirement

Total corpus

Submission Process of Form 31 in EPFO

EPF Form 31 helps to withdraw pf after leaving job. You can submit the form in two ways. Here is the process.

  1. Online Mode

    To submit the PF 31 Form online, follow these points.
     

    • Go to https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
    • Login by entering your UAN number and password
    • Then select “Sign In” to reach the portal.
    • Click “Online Services” and select Form-31 among 19, 10C, and 10D from the list.
    • The screen will show you an auto-filled form.
    • Use the last four digits to verify your bank account.
    • You will see an acknowledgement certificate pop-up. Select 'Yes'.
    • Drop down and select ‘PF withdrawal’.
    • Select ‘PF Advance Form’ input data.
    • Fill in the withdrawal details regarding the amount and purpose.
    • After filling out the form, click “Submit”.
       
  2. Offline Mode
     

    Here's how to withdraw EPF offline in India using Form 31:
     

    • Alternatively, you can submit EPF form 31 via offline mode. Download the latest Form 31 from the official website of the EPFO or get a hard copy from an EPF office.
    • Fill out the necessary details.
    • Sign in where necessary.
    • Please attach any required documents, viz proof of identity, PAN card, and bank details.
    • Submit to the regional PF Office. Or you can mail it to the EPFO mail address.  
    • EPFO will give you a receipt of the submission
    • Wait for the claim settlement.

Things to Remember While Submission

While Submitting, keep these things in mind:
 

  • Attach a canceled cheque if you want disbursal in your bank account.
  • Use Money orders if the amount is under Rs. 2,000.
  • If you submit offline, it requires employer certification.
  • While online submission requires linking UAN, Aadhaar, and PAN.
  • Verify your bank account online by entering the last four digits.

How To Check The Status Of Form 31 Claim

To check Form 31 claim status online, you can follow these steps.
 

  • Go to the EPFO website www.epfindia.gov.in/site_en/index.php
  • Click on ‘Knowing your Claim Status’
  • You will see a drop-down menu.
  • The following page shows us the region and the user’s office codes.
  • Enter the Establishment code.
  • Enter your 7-digit account number.
  • Press  "Submit" to view the status of your application status.

Taxation Rules

EPF Withdrawal Condition

Taxation Rules

More than Rs. 50,000 ( <5 years of service)

  • 10% of tax deduction if PAN is provided;
  • Otherwise, 30% TDS plus tax
  • If Form 15G/ 15H is submitted, no TDS

After completing 5 years of service

No TDS

Transfer from EPF to NPS (National Pension Scheme)

No TDS

Conclusion

When performed correctly, the Anjaneyasana Pose helps stretch your hips and thighs while offering strength and stability. As well as having physical advantages, it is also a position for centering where one’s focus can be enhanced, and balancing of self takes place. Gradually grow your practice, paying attention to your bodily boundaries. When properly aligned, Yoga Anjaneyasana is a position that is right for any yogi. The multifaceted nature and curative powers of the Anjaneyasana pose make it one of the basic asanas for the Yoga sequence.

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Tata AIA Life Insurance

A joint venture between Tata Sons Pvt. Ltd. and AIA Group Ltd. (AIA),  Tata AIA Life Insurance  is one of the leading life insurance providers in India. We post everything you need to know about life insurance, tax savings and a variety of lateral topics such as savings and investments in this space. You can access and read a host of different blogs, articles and pages at the Tata AIA Life Insurance Knowledge Center or get in touch with us with any queries or questions!

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Frequently Asked Questions

Is a last employer certificate required?

EPF withdrawal Form 31 may be submitted online or offline. A certificate from your former employer is only required for offline advance EPF withdrawal.

Why was EPF Form 31 rejected?

The following may invalidate your EPF Form 31 claim:
 

  • If you have previously claimed an advance and did not submit your completed claim form after completing the online process,
  • Your information does not match prior records.
  • Your signature doesn't match records.

How to cancel Form 31?

A filed EPF Form 31 claim cannot be cancelled. For emergencies, contact the EPFO Regional Office.

Disclaimers

  • Insurance cover is available under the product.
  • The products are underwritten by Tata AIA Life Insurance Company Ltd.
  • The plans are not a guaranteed1 issuance plan, and it will be subject to Company’s underwriting and acceptance.
  • For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.
  • This blog is for information and illustrative purposes only and does not purport to any financial or investment services and do not offer or form part of any offer or recommendation. The information is not and should not be regarded as investment advice or as a recommendation regarding any particular security or course of action.
  • Please know the associated risks and the applicable charges, from your Insurance agent or the Intermediary or policy document issued by the insurance company.
  • Every effort is made to ensure that all information contained in this blog is accurate at the date of publication, however, the Tata AIA Life shall not have any liability for any damages of any kind (including but not limited to errors and omissions) whatsoever relating to this material.