EPF Withdrawal Online Kaise Karein — PF Nikalne Ka Poora Tarika 2025

By Mulazim Team | Updated July 2025 | 7 min read

PF Withdrawal — Zaroori Points

UAN activate hona chahiye aur Aadhaar linked hona chahiye
2 mahine se zyada unemployed — full PF withdrawal possible
Medical emergency, education, ghar kharidne pe partial withdrawal allowed
5 saal se pehle nikala toh TDS katega (10% ya slab rate)
Paisa aane mein 7–20 working days lagte hain

Naukri chhodne ke baad ya kisi zaroorat mein PF nikalna ho toh process puri tarah online hai. EPFO portal se ghar baithe claim kar sakte ho. Yahan step-by-step guide hai.

PF Withdrawal Se Pehle — 3 Zaroori Cheezein

UAN Active Ho — Universal Account Number activate hona chahiye (epfindia.gov.in pe check karo)
Aadhaar Link Ho — Aadhaar aur bank account UAN se linked hona chahiye
KYC Complete Ho — PAN, Aadhaar, bank account verify hone chahiye

Kab Nikal Sakte Ho?

Situation	Withdrawal Type	Condition
Retirement (58 saal)	Full withdrawal	Age 58 ya service end
2 mahine unemployed	Full withdrawal	Job chhodne ke 60 din baad
1 mahine unemployed	75% withdrawal	Job chhodne ke 30 din baad
Medical emergency	Partial — Form 31	Self ya family ki treatment
Ghar kharidna/banane	Partial — Form 31	5+ saal EPF service
Education ya shaadi	Partial — Form 31	7+ saal EPF service

Online EPF Withdrawal — Step by Step

Step 1: EPFO Portal Login

unifiedportal-mem.epfindia.gov.in pe jaao. UAN aur password se login karo.

Step 2: Online Services mein "Claim" Select Karo

"Online Services" → "Claim (Form-31, 19 & 10C)" pe click karo.

Step 3: Bank Account Verify Karo

Bank account number enter karo — verify hoga. Last 4 digits match karna zaroori hai.

Step 4: Claim Type Choose Karo

Form 19: Full PF withdrawal (job chhodi hai)
Form 10C: EPS (pension) withdrawal ya scheme certificate
Form 31: Partial advance withdrawal (medical, ghar, education)

Step 5: Submit Karo

Details fill karo, reason select karo, OTP verify karo (Aadhaar se linked mobile), aur submit karo.

      Claim Track Karna: Submit karne ke baad "Track Claim Status" option se status dekhte raho. 7–20 working days mein paisa bank account mein aa jaata hai.
    

TDS on PF Withdrawal

Agar 5 saal se pehle PF nikalte ho (aur amount ₹50,000 se zyada hai):

PAN diya hai toh — 10% TDS katega
PAN nahi diya — 34.608% TDS (maximum marginal rate)
Form 15G/15H submit karo agar income taxable nahi hai — TDS nahi katega

5 saal ya usse zyada service ke baad withdrawal — completely tax-free (Section 10(12)).

PF Claim Reject Kyon Hota Hai?

Aadhaar aur EPF records mein naam mismatch
Bank account UAN se link nahi hai
Date of exit employer ne update nahi ki
KYC incomplete hai

Rejection SMS ya email pe aata hai. Reason dekho, EPFO portal pe correction karo, phir dobara apply karo.

Ek tip: Job chhodne ke turant baad claim mat karo — 2 mahine baad karo toh full amount milega aur tax bhi nahi lagega.

EPFO Unified Member Portal: unifiedportal-mem.epfindia.gov.in — claim submit, status track, KYC update

PF Withdrawal Mein Dikkat? Ask Mulazim AI

Claim reject hua, UAN problem hai, ya kitna milega jaanna hai — hum help karenge.

Mulazim AI Se Poochein →