How to Withdraw PF Amount Online 2026 (Step-by-Step Guide)

Aim Praapt फ़रवरी 11, 2026

How to Withdraw PF Amount – Complete Guide

Aaj ke time mein almost har salaried employee ka PF account hota hai. Lekin jab baat aati hai PF withdrawal ki, to kaafi log confuse ho jaate hain — process kya hai, kaunse forms lagte hain, kitna tax lagega, online kaise karein, partial withdrawal ka rule kya hai, etc.



Is detailed guide mein aapko PF withdrawal se judi har important baat simple step-by-step samajh aayegi.

PF Kya Hota Hai?

PF ka full form hai Provident Fund. India mein isse EPF (Employees’ Provident Fund) bhi kaha jata hai. Ye ek government-backed retirement saving scheme hai jo EPFO (Employees’ Provident Fund Organisation) manage karta hai.

PF ka Structure Kaise Kaam Karta Hai?

  • Employee ki basic salary ka 12% PF mein jata hai
  • Employer bhi approx 12% contribute karta hai
  • Har saal EPFO interest add karta hai
  • Ye amount long-term saving ke liye hota hai

Ye paisa aap retirement par ya kuch special situations mein withdraw kar sakte hain.

PF Withdrawal Kab Kar Sakte Hain?

PF ko har time withdraw nahi kiya ja sakta. Iske liye specific conditions hoti hain.

Job Chhodne Ke Baad



Agar aapne job resign kar di hai aur 2 mahine tak unemployed ho, tab aap full PF withdrawal ke liye apply kar sakte hain.

Retirement Ke Baad

58 saal ki age ke baad aap full PF amount withdraw kar sakte hain.

Partial Withdrawal (Advance)

Kuch special reasons ke liye aap partial PF nikal sakte hain:

  • Medical emergency
  • Ghar kharidne ya banwane ke liye
  • Home loan repayment
  • Shaadi ke liye
  • Higher education
  • Natural disaster situation

PF Withdraw Karne Se Pehle Zaroori Cheezein

Online PF withdrawal karne ke liye aapka account properly updated hona chahiye.

Ye Sab Check Karna Zaroori Hai:

  • UAN activated ho
  • Aadhaar UAN se linked ho
  • Bank account UAN se linked aur verified ho
  • PAN linked ho
  • KYC approved ho

Ye sab aap EPFO member portal par login karke check kar sakte hain.

Online PF Withdrawal Kaise Karein? (Step-by-Step)

Online process sabse fast aur convenient method hai.

Step 1: EPFO Member Portal Par Login Karein

EPFO unified member portal par jaakar:

  • UAN enter karein
  • Password dalein
  • Captcha fill karein
  • Login karein

Step 2: KYC Details Check Karein



Top menu mein “Manage” par click karein → “KYC” select karein.

Check karein:

  • Aadhaar verified hai?
  • Bank approved hai?
  • PAN verified hai?

Agar KYC approved nahi hai to pehle employer se approve karwaayein.

Step 3: Online Services Section Mein Jaayein

“Online Services” tab par click karein.

Wahan “Claim (Form-31, 19, 10C & 10D)” option select karein.

Step 4: Bank Account Verify Karein

System aapse bank account number confirm karne ko bolega.

Bank account number dobara enter karke verify karein.

Step 5: Claim Type Select Karein

Ab aapko claim type choose karna hoga:

  • Form 19 – Full PF Settlement
  • Form 10C – Pension withdrawal
  • Form 31 – Partial withdrawal

Jo bhi requirement ho, wo select karein.

Step 6: Reason Select Karein (Partial Withdrawal Mein)



Agar Form 31 choose karte hain to reason select karein:

  • Illness
  • Marriage
  • Education
  • House construction
  • Home loan repayment

Amount enter karein aur details fill karein.

Step 7: Aadhaar OTP Verification

Aapke Aadhaar linked mobile number par OTP aayega.

OTP enter karke claim submit karein.

Step 8: Claim Processing

Submit karne ke baad EPFO claim process karega.

Usually 5–15 working days mein amount bank account mein credit ho jata hai.

Offline PF Withdrawal Ka Process



Agar online method possible nahi hai to aap offline bhi apply kar sakte hain.

Required Forms:

  • Form 19 – Final settlement
  • Form 10C – Pension withdrawal
  • Form 31 – Advance withdrawal

Offline Process:

  • Form download karein
  • Form fill karein
  • Employer se attestation karwaayein
  • Nearest EPFO office mein submit karein

Offline process mein thoda zyada time lag sakta hai.

Partial PF Withdrawal Rules Detail Mein

Medical Emergency

  • Koi minimum service requirement nahi
  • Self, spouse, parents, children ke liye allowed

Marriage

  • Minimum 7 saal service
  • Employee share ka 50% tak withdrawal

Education

  • 7 saal service required
  • 50% employee contribution

Home Purchase / Construction

  • Minimum 5 saal service
  • Certain limit tak withdrawal allowed

PF Withdrawal Par Tax Rules

Tax rules samajhna bahut zaroori hai.



Agar 5 Saal Se Pehle Withdraw Karte Hain

  • TDS deduct ho sakta hai
  • PAN linked nahi hai to TDS zyada lagega

Agar 5 Saal Continuous Service Complete Hai

  • No tax deduction
  • Full amount milta hai

Isliye PAN linking bahut important hai.

PF Claim Status Kaise Check Karein?

Claim submit karne ke baad aap status track kar sakte hain.



Steps:

  • EPFO portal login karein
  • “Online Services” par click karein
  • “Track Claim Status” select karein

Status kuch is type ka ho sakta hai:

  • Under Process
  • Approved
  • Rejected

SMS ke through bhi updates milte hain.

PF Claim Rejected Hone Ke Common Reasons

KYC Incomplete

Aadhaar, PAN ya bank details mismatch hone par claim reject ho sakta hai.

Bank Details Galat

IFSC code ya account number galat hone par issue aata hai.

Signature Mismatch

Offline process mein signature mismatch problem ho sakti hai.

Employer Approval Pending

Kuch cases mein employer approval delay karta hai.

Job Change Ke Baad Kya Karein – Withdraw Ya Transfer?

Agar aap sirf job change kar rahe hain, to PF withdraw karne ke bajaye PF transfer karna better option hota hai.

Isse:

  • Retirement corpus grow hota rahega
  • Tax issue nahi aayega
  • Service continuity maintain rahegi

Withdrawal sirf tab karein jab genuinely unemployed ho.

PF Withdrawal Kitne Din Mein Aata Hai?



Normally:

  • Online claim: 5–15 working days
  • Offline claim: 15–30 din

Kabhi-kabhi verification delay ke kaaran time badh sakta hai.

Important Tips for PF Members

  • UAN active rakhein
  • Mobile number update rakhein
  • KYC complete rakhein
  • PAN link zaroor karein
  • Job change par PF transfer karein
  • Retirement saving ko jaldi withdraw na karein

FAQ – PF Withdrawal Se Jude Important Sawal

Q1. Kya main job chhodte hi PF withdraw kar sakta hoon?

Nahi. Aapko 2 mahine unemployed rehna hota hai tab full withdrawal allowed hota hai.

Q2. Partial PF kitni baar withdraw kar sakte hain?

Reason ke according rules alag hote hain. Har category ki apni limit hoti hai.

Q3. PF withdrawal ke liye employer approval zaroori hai?

Online Aadhaar-based claim mein usually employer approval ki zaroorat nahi hoti agar KYC complete hai.

Q4. PF amount kitne din mein bank mein aata hai?

Normally 5–15 working days mein amount credit ho jata hai.

Q5. Kya PF withdrawal par tax lagta hai?

Agar 5 saal se pehle withdraw karte hain to tax lag sakta hai. 5 saal continuous service ke baad tax free hota hai.

Q6. Kya main sirf pension part withdraw kar sakta hoon?

Haan, Form 10C ke through pension withdrawal apply kar sakte hain.

Q7. Agar claim reject ho jaye to kya karein?

Reject reason check karein, issue correct karein aur dobara apply karein.

Final Summary

PF withdrawal process ab kaafi simple aur digital ho chuka hai. Agar aapka UAN activated hai aur Aadhaar, PAN, bank details properly linked hain, to aap ghar baithe online PF withdraw kar sakte hain.

Short mein process:

  • EPFO portal login karo
  • KYC verify karo
  • Online claim submit karo
  • OTP verify karo
  • 5–15 din mein paisa bank mein

Bas itna hi. Sahi information ke saath PF withdrawal karna bilkul simple hai.











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