EPF withdrawal is one of the most searched financial queries in India — especially when changing jobs or facing financial emergencies. With EPFO's online portal, the process is now mostly paperless. Here's the complete, current guide.
Types of EPF Withdrawal
| Type | Form | When Allowed | Amount |
|---|---|---|---|
| Full Withdrawal | Form 19 | Retirement (58+) or 2 months unemployed | Full balance |
| Partial — Medical | Form 31 | Any time | 6 months basic+DA or employee share |
| Partial — Home Purchase | Form 31 | After 5 years service | Up to 90% of total balance |
| Partial — Marriage | Form 31 | After 7 years service | 50% of employee share |
| Partial — Education | Form 31 | After 7 years service | 50% of employee share |
| EPS Pension | Form 10C/10D | Age 50+ with 10 years service | Monthly pension or lump sum |
Online EPF Withdrawal Process (2026)
- Activate UAN at unifiedportal-mem.epfindia.gov.in
- Link Aadhaar, PAN, and bank account to UAN (must be KYC verified)
- Login → Online Services → Claim (Form-31, 19, 10C & 10D)
- Select claim type, enter bank account number, upload required documents
- Submit → OTP verification on Aadhaar-linked mobile
- Processing time: 3–20 working days. Amount credited directly to bank.
Aadhaar linking is mandatory: EPF online claims only work if your Aadhaar is verified and linked to UAN. Do this before you resign — don't wait until you need the money urgently.
Tax on EPF Withdrawal
- After 5 continuous years of service: Fully tax-free. No TDS.
- Before 5 years, amount above ₹50,000: TDS at 10% with PAN, 34.608% without PAN
- Switching jobs: Transfer EPF via Form 13 (not withdrawal) to avoid tax and preserve continuity
Never withdraw EPF when switching jobs: Transfer instead. Withdrawing resets your 5-year clock (tax exemption), loses compounding, and reduces your retirement corpus. EPFO makes transfer easy — do it within 3 months of joining new employer.
EPF Transfer Process (Job Change)
- Join new employer and get new Member ID
- Login to EPFO Member Portal → Online Services → One Member – One EPF Account (Transfer Request)
- Select previous employer and fill transfer details
- Your previous employer's HR approves the transfer
- Money moves to new account in 15–30 days
Use our EPF Calculator to check exactly how much your PF balance will grow to by retirement based on current salary and service years.