EPF Withdrawal Claim Forms 2025: Types, Purpose & How to Fill

An EPF member can withdraw the corpus collected in the EPF account partially or completely. Complete withdrawal is allowed when an individual retires, remains unemployed for more than 2 months or in case of the person’s unfortunate demise. Partial EPF withdrawal is allowed under certain circumstances, including medical purposes, marriage, home loan repayment, etc. EPF claim form may also be filled to finance your LIC policy. You can make a PF withdrawal claim by filling the EPF withdrawal form online or offline, depending on the nature and purpose of the withdrawal. 

However, you can use the online withdrawal claim facility only if your Aadhaar is linked to your UAN. Your PAN and the bank account should also be verified for processing the withdrawal. Read on to know about the different EPF withdrawal claim forms and the EPF withdrawal procedure.

Types of EPF Withdrawal Claim Forms & Their Uses

Given below are the different types of EPF withdrawal forms available for PF withdrawals:

Form	Purpose
Composite Claim Form  (Form 19, 10C & 31)	Form 19  – Final settlement Form 10C – Pension withdrawal Form 31 – Partial withdrawal
Composite Claim Form in Death Cases (Form 20, Form 10D & Form 5(IF)	Form 20 – EPF settlement in case of an employee’s death Form 10D – To apply for pension in case of the member’s demise Form 5(IF) – Employees’ Deposit Linked Insurance (EDLI) Claim Form
Form 14	LIC policy
Form 5	Registration form for new employees for EPF and EPS
Form 10D	By the member himself to withdraw the monthly pension after retirement

Composite Claim Form  (Form 19, 10C & 31)

The EPF Composite Claim Form is a composite or combined form that has replaced Claim Forms 19, 10C and 31. It requires minimal or no documentation and can be submitted either online or offline. Therefore, it can be used to withdraw your entire EPF amount on retirement (Form 19), for pension withdrawal upon retirement (Form 10C) or for making partial withdrawals from your EPF account (Form 31), depending on how you meet the eligibility requirements. 

The Composite Claim Form may be Aadhaar-based or non-Aadhaar. That is, you can use the EPF Composite Claim Form (Aadhaar) if your Aadhaar number and bank account details are available on the UAN portal and UAN has been activated, can be submitted online or offline and does not require your employer’s attestation. 

Whereas, the non-Aadhaar form is used in places where the Aadhaar number and bank account details are not available on the UAN portal, and the UAN has not been activated. It requires the employer’s attestation and can only be submitted offline at the respective jurisdictional EPFO office. 

Read more about the EPF Composite Claim Form

Composite Claim Form in Death Cases (Form 20, 10D & 5(IF)

The Composite Claim Form in Death Cases is a combined form that includes Form 20, Form 10D and Form 5(IF). It is offered by EPFO for the settlement of claims related to Provident Fund (PF), Employees’ Pension Scheme (EPS) and Employees’ Deposit Linked Insurance (EDLI) in the unfortunate event of a member’s demise. This single form has replaced the earlier requirement of submitting multiple forms, thereby simplifying the claim process for nominees or legal heirs. 

Claimants/nominees just need to submit the duly filled form along with necessary documents, such as the death certificate and bank account details to the EPFO office. This streamlined approach facilitates faster and more efficient processing of death-related claims.

Form 14

EPF Form 14 is used by EPFO members to finance their Life Insurance Corporation (LIC) policy premiums directly from their Provident Fund account. Form 14 authorises EPFO to remit the LIC premium on the member’s behalf, helping ensure that the policy remains active without interruption.

To avail this facility, members need to submit the duly filled Form 14 along with necessary documents such as the LIC policy bond and a recent premium receipt to the relevant EPFO office.

Form 5

Companies registered under the EPF scheme have to mandatorily fill and submit EPF Form 5 every month. It is used to notify EPFO about the employees who have newly joined and enrolled under the EPFO scheme. The primary aim of EPF Form 5 is to ensure that all new employees are properly registered with the EPFO and their PF contributions are accurately recorded from the beginning of their employment.

Form 10D

EPF Form 10D needs to be filled by the employee/member himself to withdraw a monthly pension after retirement at the age of 58 years or a reduced pension once he turns 50 years of age. The form can be submitted online via the EPFO member portal or offline by visiting the respective EPFO jurisdictional office in person.

Read more on EPF Form 10

Common Information Required in All Forms

Some common information required in all EPF forms includes:

• Aadhaar details
• PAN
• Nominee details
• Bank account details
• UAN
• Other details such as date of birth, address, etc.
• Claimant’s signature

How to Submit the EPF Withdrawal Claim Form

EPF withdrawal claim forms may be submitted online or offline, depending on the nature and purpose of the form. At present, only Composite Claim Form (Aadhaar) and Form 10D can be submitted online, whereas, all other EPF forms including Composite Claim Form (Non-Aadhaar), Composite Claim Form in Death Cases (Form 20, 10D & 5(IF)), Form 14 and Form 5 can only be submitted by visiting the jurisdictional EPFO office in person. However, Form 10D can be submitted both online and offline.

How to Submit EPF Claim Form Online via UAN Portal

In order to submit the EPF claim form online – the Composite Claim Form (Aadhaar) or Form 10D, you must make sure that your UAN is activated and it is linked with your KYC (Aadhaar, PAN and bank details). If you meet this condition, you can follow the procedure given below to withdraw your EPF online.

Step 1: Sign in to the UAN Member Portal with your UAN and Password.

Step 2: From the top menu bar, click on the ‘Online Services’ tab and select “Claim (Form-31, 19, 10C & 10D)” from the drop-down menu to select the relevant EPF advance withdrawal form.

Step 3: Member Details will be displayed on the screen. Enter your bank account number as seeded against UAN and click on “Verify”

Step 4: Click on “Yes” to sign the certificate of undertaking and proceed further

Step 5: Now, click on the “Proceed for Online Claim” option

Step 6: Select “PF Advance (Form 31, 19 & 10C)” to withdraw your funds online

Step 7: In the claim form, under the heading “I Want To Apply For”, select the claim type that you wish to make, that is, full EPF settlement, EPF partial withdrawal (loan/advance) or pension withdrawal.

It is worth noting that all options for which the employee is not eligible for withdrawal will be mentioned in red.

Step 8: After this, choose “PF Advance” to withdraw your funds. Include the purpose of the advance, the amount required and the employee’s address.

Step 9: Tick the certification and submit your application. You may also have to submit scanned documents depending on the purpose for which you have filled the EPF claim form.

Step 10: Your employer has to approve your withdrawal request, after which the money will be withdrawn from your EPF account and deposited in the bank account mentioned at the time of filling the withdrawal form.

An SMS notification will be sent to your mobile number registered with EPFO. Once the EPFO claim is processed, the amount will be transferred to your bank account. Although no formal time limit has been provided by the EPFO, the money is usually credited in 15-20 days.

Also Read: EPF Withdrawal Form 19: How to Fill for Final PF Settlement Online & Offline using UAN 

EPF Claim Form Offline Submission Process – Where to Send the Form

To withdraw your EPF without a UAN, you can visit the respective EPFO office and submit a duly filled Composite Claim Form along with the relevant documents. The Composite Claim Form (Non-Aadhaar) requires the employer’s attestation can only be submitted offline by visiting the nearest jurisdictional EPFO office in person.

Moreover, all other EPF forms, including the Composite Claim Form in Death Cases (Form 20, 10D & 5(IF)), Form 14 and Form 5, need to be submitted offline by visiting the jurisdictional EPFO office in person. Members can submit EPF Form 10D offline at the respective EPFO office.

Read more on EPF Composite Claim Form

Eligibility Conditions for EPF Withdrawal

The following are the conditions that an employee must meet to be eligible for withdrawing EPF-

• The total amount from the EPF account can be withdrawn only after retirement. EPFO considers early retirement only after the person has crossed 55 years of age
• Partial withdrawal of EPF is permitted only in the case of a medical emergency, house purchase or construction, or higher education. The EPF Composite Claim Form has now replaced EPF withdrawal Form 31, which was earlier used for partial withdrawals.
• EPFO allows withdrawal of 90% of the amount 1 year before retirement
• One can withdraw the EPF corpus if he/she face unemployment before retirement due to lockdown or retrenchment
• As per the new rule, only 75% of the corpus can be withdrawn after 1 month of unemployment. The remaining will be transferred to the new EPF account after gaining employment
• Employees do not need to wait for approval from their employer to withdraw their EPF. By linking UAN and Aadhar to your EPF account, you can get approval online
• While making the EPF claim online, you must have-
  • An active UAN number
  • Bank details linked with UAN
  • PAN and Aadhar details seeded into the EPF database

• In order to make a claim using the Composite Claim Form in Death cases, the claimant must be a legal heir or nominee. Moreover, the legal heir or nominee must have a valid death certificate to raise a claim.
• To use EPF Form 14 and finance your LIC policy premiums using your EPF account, you must have a sufficient balance in your EPF account to make the policy purchase as well as pay the premium amount. Moreover, you must have the same set of nominee(s) with your EPF account as well as your LIC policy.
• Form 5, that is the EPF and EPS registration form for new employees, can only be filled by your employer. You need to provide the necessary information and documents, such as your PAN, Aadhaar, bank account details, etc., which is submitted to EPFO by the employer, following which you are enrolled with EPFO.
• To withdraw a monthly pension using EPF Form 10D, the member must be at least 58 years of age and should have completed at least 10 years of service. The member can also withdraw their pension at a reduced rate once they turn 50 years old.

Documents Required for EPF Claim Submission

The following are the common and specific documents required to submit different types of EPF claim forms:

Some common documents required to submit your EPF claim are:

• Claim form
• PAN
• Aadhaar
• Bank account statement (The bank account should be only in the name of the PF holder while he/she is alive)
• Identity proof
• Address proof
• EPF account number
• Passport-sized photographs
• One blank and cancelled cheque with clearly visible IFSC code and account number (no longer mandatory)
• Personal information such as the father’s name, date of birth, etc., should clearly match the identity proof

Specific documents for Composite Claim Form (Aadhaar and Non-Aadhaar):

• Two revenue stamps
• If an employee withdraws his PF amount before 5 years of continuous service, he is liable to facilitate ITR Forms 2 and 3 in order to prove a detailed breakup of the entire amount deposited in the PF account every year.

Specific documents for the Composite Claim Form in Death Cases:

• Death certificate
• Joint photograph of all the claimants 
• Date of Birth certificate of children claiming pension
• Scheme Certificate (if applicable)
• A copy of a cancelled cheque or an attested copy of the first page of the bank passbook for verification of bank accounts

Specific documents for Form 14 submission:

• Copy of the policy (in case of single payment policies)

Specific documents for Form 5:

• Nomination details

Specific documents for Form 10D:

Some additional details and documents required with Form 10D include:

• Name & address of the establishment in which the member was last employed
• Date of leaving service and reason for leaving (need not be filled by a member who has attained 58 years and continues to be in service)
• Address for communication
• In case of reduced pension, the opted date for commencement of pension is required

Types of EPF Withdrawal – When Can you Withdraw EPF

Given below are the EPF withdrawal rules for partial and complete withdrawal when employees can withdraw their EPF corpus-

Complete Withdrawal

The EPF corpus can be withdrawn completely under the following circumstances:

• At the time of the employee’s retirement
• In case an individual is unemployed for more than 2 months, then he/she can withdraw 100% of the EPF corpus.
• Moreover, as per the new rules, 75% of the EPF corpus can be withdrawn if an individual is unemployed for more than a month.
• Complete withdrawal can also be done by nominee(s) or legal heir(s) in case of the employee’s demise by submitting a duly filled Composite Claim Form in Death Cases along with the relevant documents.
• A member can also withdraw the complete amount at the age of 58 years by filling up Form 10C, in case he is not able to remain in service for 10 years before attaining the age of 58 years and therefore, is not eligible to receive a monthly pension.

Partial Withdrawal

Finance LIC Policy Using EPF Balance

You can also fill up EPF claim Form 14 to completely finance an LIC policy and make premium payments using your EPF balance, provided you have a sufficient balance in your EPF account.

EPF Withdrawal Limit

EPF withdrawal limit depends on the purpose for which the withdrawal is claimed. The withdrawal limit is mentioned below:

Benefits of Withdrawing EPF using EPF Withdrawal Form Online

Making an online EPF withdrawal claim has a number of benefits as mentioned below:

• Hassle-free Withdrawal – The online PF withdrawal process or online EPF withdrawal claim saves you from the hassle of visiting the PF office in person and standing in long queues.
• Reduced Processing Time – With EPFO online claims, the amount will be processed and credited into your bank account within 15-20 days of the application. This processing time will further be reduced as per the government’s plans.
• No need to visit the previous employer for verification – Unlike offline EPFO claims, wherein you have to get your documents attested by the employer, online claims are verified automatically. This is especially helpful for people who have moved to a new city as it saves them from the trouble of mailing documents or travelling long distances.

However, note that some forms, such as the EPF Composite Claim Form in death cases, EPF Form 14 and Form 5, can only be submitted offline by visiting the respective jurisdictional office in person.

Taxation on EPF Withdrawal

The corpus from EPF withdrawal is exempt from taxation; however, only under certain conditions, which are as follows-

Other important points related to EPF withdrawal taxability:

• The EPF amount is taxable if there is a break in the 5-year time period; in which case, the entire amount will be taxed
• Employees need to fill Form 15H/15G as a declaration if their total income is not taxable
• If an employee has claimed exemption on EPF contribution for the previous years on EPF as per Section 80C, they will be liable to pay tax on the employee’s contribution, employer’s contribution and interest on each deposit. However, if they did not claim it in the previous year, the employee’s contribution part will be exempted from tax
• The tax that the employee is liable to pay will depend on his salary in the year of withdrawal

How to Check EPF Claim Status

EPF withdrawal can be done through the UAN member portal. The member has to first activate the UAN and then log in to the portal for online withdrawal. Other online services, such as eKYC, contact details update, etc., can also be performed through this portal.

EPF withdrawal status can be checked online at the EPF member portal. You have to log in to the portal online and select the ‘Track Claim Status’ in the ‘Online Services’ section. Note that you will not have to enter any reference number to check the status; it will be displayed on the screen automatically.

PF Customer Care

Given below are the contact details for PF withdrawal and EPF claim related queries:

• EPFO toll-free number: 14470
• Email id: employeefeedback@epfindia.gov.in

Common EPF Claim Form Issues and How to Fix Them

Here are a few key common EPF claim form-related issues and how you can fix them:

• Your PAN, Aadhaar and bank account details are not linked to your EPF account:
  In case your PAN, Aadhaar and bank account details are not registered with the EPFO, it may be difficult to make any sort of EPF claims. It is advisable to register your details with EPFO before you decide to make a claim.

• You have different nominees for your EPF account and LIC policy:
  Your request to finance your LIC policy premiums from your EPF account may get rejected if you have different nominees for your EPF account and LIC policy. To avoid such a situation, ensure that you nominate the same people before you fill EPF Form 14.

• The balance in your EPF account is not sufficient to make the LIC policy purchase or premium payment:
  Your claim to finance your LIC policy or its premium payment may also get rejected in case you have insufficient funds in your EPF account. To avoid this, it is advisable to check your EPF balance before you actually make the claim request using Form 14.

• You don’t meet the partial or complete EPF withdrawal criteria:
  In case you don’t meet the relevant claim criteria completely, your EPF claim may get rejected. To avoid this, it is best to check the specific claim criteria and ensure that you meet the eligibility requirements before making the claim.

• You don’t have sufficient documents required to make the claim:
  Your claim may also get rejected in case you don’t meet the documentation requirement, such as a death certificate when making death claims, a copy of the LIC policy when making a claim using Form 14, etc.

EPF Withdrawal Form FAQs

What are the requirements for EPF withdrawal for home loan repayment?

The primary requirement for the member to withdraw EPF for home loan repayment is that the member should have completed three years of continuous service. Also, the maximum amount that can be withdrawn for the purpose is 90% of the EPF corpus.

Can I claim EPF without logging in to the EPF portal?

You can fill EPF withdrawal form offline if you do not wish to use the online platform. In case you want to use the online method, you will have to log in to the EPF member portal using your UAN and password.

What is the online procedure for EPF withdrawal from previous organisations, if the current organisation’s PF number is also linked with the same UAN number?

If you are currently employed and you have opened a new PF account linked with the same UAN, then you are not eligible to withdraw your last EPF balance.

It is advisable to transfer the balance to the new PF account by logging in to the EPF Member e-Sewa Portal and opting for the “One Member-One EPF Account (Transfer Request)” option in the “Online Services” drop-down menu.

However, if you are currently unemployed for more than two months, then you can claim the total withdrawal of your EPF funds by filling in Form 19.

Read more about EPF Balance Check 

Is PAN mandatory for EPF withdrawal?

PAN is required during EPF withdrawal/settlement in order to keep away from tax deductions. If you fail to submit PAN, the tax deducted at source (TDS) can be as high as 30%.

What is the purpose of EPF withdrawal Form 31 and EPF withdrawal Form 19?

EPF withdrawal Form 19 is filled for claiming the final PF settlement, whereas EPF withdrawal Form 31 is for partial EPF withdrawal. You can either fill up the EPF withdrawal Form 19/Form 31 online or download the EPF withdrawal Form PDF and submit the same offline.

However, the new EPF withdrawal form or EPF Composite Claim Form has replaced EPF Forms 19, 10C and 31. This Composite Claim Form can be filled both online and offline

How many times can I withdraw the PF money in advance online?

PF advance can be claimed on various but pre-specified grounds. Please read  Situations when you can make a pre-retirement withdrawal from EPF to check if you are eligible to make a PF advance claim.

The frequency of withdrawal varies depending on different factors. As per the latest rules,

• You can make a PF withdrawal for marriage not more than three times.
• Similarly, for post-matriculation education, you can claim for withdrawal of your PF fund for a maximum of three times.
• If you are purchasing a house/plot or constructing a house, then you can claim for PF advance only once.
• On critical illness/ medical emergency grounds, there is no explicit limit on the number of times you can raise a claim for PF withdrawal before retirement.

Can EPF withdrawal be done without PAN?

EPF can be withdrawn without PAN. However, if you do so, you will be liable for a TDS deduction of 30% from the claim amount.

What is required for PF withdrawal online?

To withdraw your EPF online, you will be required to have the following:

• UAN
• Aadhaar number linked and verified with UAN
• The bank account where you wish to receive the amount should be the same as the bank account seeded with your Aadhaar

When is EPF withdrawal taxable? Is it possible to withdraw EPF before five years of service?

If you withdraw your EPF amount before 5 years, then you will be liable for TDS deduction of 10% (if you show your PAN at the time of withdrawal; if you fail to do so, then TDS to be deducted at 30%).

However, if you withdraw your EPF after 5 years of continuous service, then it will be tax-free.

How much tax is applicable on EPF withdrawal?

If the EPF is withdrawn before 5 continuous years of service, then TDS at the rate of 10% is deducted. However, you will have to facilitate your PAN at the time of withdrawal.

If you do otherwise, TDS at the rate of 30% will be deducted. Additionally, if the employee transfers funds from his PF account to NPS, he will not be liable to pay any tax.

How to show EPF withdrawal in ITR?

The withdrawals from EPF are considered income for the employee and should be mentioned under the head ‘Income from salary’.

If you have withdrawn money from your EPF account, then you may report the same at the time of filing the ITR by selecting ‘Section 10(12) Recognised Provident Fund’ on the portal.

What is the EPF withdrawal enquiry number?

EPFO Toll-Free Customer Care Number – 1800 118 005. You can also call on the multilingual toll-free helpline number 14470 anytime between 7 a.m. to 9 p.m. to get answers to your EPF withdrawal-related queries.

How to withdraw EPF without the employer’s approval?

If you apply for EPF withdrawal online, then you don’t need to seek your employer for verification. Additionally, to be able to claim withdrawal online, you must have your PAN and Aadhaar linked with your UAN account.

Can EPF be withdrawn while working?

Yes, you can withdraw EPF while you are working. However, a few conditions must be met for the same. One can only withdraw his/her EPF amount before retirement if-

• He/she has to purchase/construct a house
• Wedding of himself/herself and/or child
• Any medical illness

How many times can EPF be withdrawn?

An employee can withdraw his EPF amount at any time he wishes to. However, the maximum that can be withdrawn is either the total employee’s share or six times his wage, whichever is lower. The number of times that you can withdraw for a similar reason is 3.

How to withdraw your EPF without UAN?

To withdraw your EPF without UAN, you can visit the nearest EPFO office and raise your EPF withdrawal request by submitting a duly filled Composite Claim Form.

Are EPF contributions eligible for tax deductions?

Yes, EPF contributions are eligible for tax deductions under Section 80C of the Income Tax Act, 1961.

Can I increase my EPF contribution?

Yes, you can increase your EPF contribution and contribute up to 100% of your basic salary. Such a contribution would go to your VPF or Voluntary Provident Fund account.

Do I need the employer’s permission to withdraw the amount from EPF?

According to the new amendments in EPF norms, you do not require the employer’s permission to withdraw the amount from EPF.

How many days will it take to withdraw PF online?

After you raise the request for PF withdrawal online, it can take around 15-20 working days for the amount to be credited to your bank account.

Can I make premature withdrawals?

Yes, if you meet certain conditions and criteria, you can make premature withdrawals by providing documentary evidence.

What is the process to enter the exit date for PF withdrawal?

As per the latest update, EPFO has now permitted employees to enter the date of exit from their previous employer in the Unified Member Portal. Earlier, only the employer could mark the date of exit. The exit date is required to be mentioned for PF withdrawal.

To enter your exit date, you need to login to the UAN portal >>click on the ‘Mark Exit’ option under the ‘Manage’ tab>>select employer>>provide date of birth, joining date and exit date.

Suppose your claim is rejected due to no contribution towards EPF. There is only the EPF transfer money showing up in the EPF passbook. How can you withdraw the EPF amount?

One of the most common reasons for claim rejection could be the employer’s failure to make EPF contributions for 2-3 months.

Though there is not much that you can do in such situations, you can try and ensure that your employer consistently contributes to your EPF may help prevent further issues.

Can EPF be withdrawn at any time?

EPF can be withdrawn only under certain conditions, such as medical illness, the wedding of the EPF account holder or his children, or house purchase and/or construction or on retirement.

What is an EPF withdrawal claim form, and when is it required?

EPF withdrawal claim forms include the Composite Claim Form – Aadhaar and Non-Aadhaar, and the Composite Claim Form in Death Cases. The former may be used to make partial, pension or complete withdrawals while the person is alive. Whereas, the latter is used to make death claims by nominee(s) or legal heir(s).

Which EPF withdrawal form should I use for full settlement?

You can use the EPF Composite Claim Form (Aadhaar or Non-Aadhaar) to withdraw your entire EPF balance, provided you meet the eligibility criteria. 

How can I fill and submit an EPF withdrawal form online? How to withdraw PF amount online?

You can fill up the Composite Claim Form online by logging into the EPF member portal and filling in the necessary details in the online form.