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How to withdraw PF money
Steps To Withdraw PF Balance Online and Offline: The Employees Provident Fund Organization (EPFO) is an organization working to provide social security to employees after retirement. 12% from the basic salary of the employed person and 12% from the company will be deposited in the employee's account. Out of the 12% paid by the company, 8.33% goes into the Employee Pension Scheme (EPS) and the remaining 3.67% goes into the Employee Provident Fund (EPF) account. The central government pays interest annually on the amount deposited in the member's account. The current interest rate is 8.25%.

How to withdraw money from an EPF account? (How To Withdraw PF Amount?)

If you want to withdraw money from your EPF account, you can apply online now. For this, the member's UAN should be activated and the phone number linked to the UAN should also be active. Apart from this, it should be checked whether the details of the member have been properly updated in the EPFO ​​database. 

Physical Application: (How To Withdraw PF Balance Offline?)

- Composite Claim Form (Aadhaar): Download and use this form if your Aadhaar-Bank details are linked in the UAN portal. After filling in all the details asked in the form and attaching the necessary documents... In this case, the company owner can directly submit the form to the EPFO ​​office without the need for verification.

- Composite Claim Form (Non Aadhaar): Download and use this form if your Aadhaar-Bank details are not linked in the UAN portal. After filling in the details... In this case, the company owner has to submit the application to the EPFO ​​office with verification.

Applying Online: (How To Withdraw PF Balance Online?)

Applying for PF withdrawal online saves a lot of time. Eliminates the hassle of moving around offices. UAN (Universal Account Number) and linked mobile number should be active in this system also. UAN-KYC (like Aadhaar, PAN) should be updated.

- Login to the EPFO ​​e-SEWA portal using your UAN & password.
- Go to the 'Online Services' section and select 'Claim (Form-31, 19, 10C & 10D)'.
- Enter your bank account number here for verification.
- Tick the Terms and Conditions box and continue for online claim.
- Now, select the withdrawal reason from the dropdown menu.
- Enter the required details and upload the appropriate documents.
- After filling in the details, send a request for OTP. The OTP will be sent to the mobile number linked with your Aadhaar.
- Enter the OTP in the respective field and hit submit. That's it, just like applying online for PF withdrawal.

PF Amount Withdrawal Without UAN

Even if you don't have a UAN, you can withdraw money from your EPF account. For this… Download the Aadhaar or Non-Aadhaar Composite Claim Form and fill in the details. The completed form should be accompanied by relevant documents and submitted at your Regional PF Office. This is where your work ends and office work begins. It will take a few days for the money to be credited to your bank account.