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PF withdrawal online: how to file your EPFO claim
You file a PF claim yourself on the EPFO member portal. Your UAN must be active and your KYC must be complete.
The short answer
Log in to the EPFO member portal, open Online Services, choose Claim (Form-31, 19, 10C and 10D), verify your bank account, pick your claim and confirm with the OTP sent to your Aadhaar mobile.
Form 19 is final settlement, Form 10C is pension withdrawal and Form 31 is a partial withdrawal or advance.
The rules for how much you can withdraw and when changed in 2025. Check the EPFO notice before you file.
Govt License never asks for your Aadhaar number or OTP. Only download from official sites. We do not download anything for you, and you never type personal details on our site.
Steps
- Open the EPFO member portal unifiedportal-mem.epfindia.gov.in yourself and log in with your UAN, password and captcha.
- Check that your KYC is complete under Manage, KYC.
- Open Online Services and choose Claim (Form-31, 19, 10C and 10D).
- Check your details, enter and verify your bank account number, then click Proceed for Online Claim.
- Choose the claim you need, such as final settlement, pension withdrawal or partial withdrawal, and fill in the reason if asked.
- Confirm with the OTP sent to the mobile linked to your Aadhaar and submit. Track the claim on the portal.
Keep ready
- An active UAN and your password
- Aadhaar linked to your UAN, and the mobile linked to your Aadhaar for the OTP
- A bank account linked to your UAN, with the IFSC
- Your PAN, if your service is under five years and you claim final settlement
Good to know
- In October 2025 the EPF Central Board of Trustees approved changes to partial withdrawal and final settlement. The final notified rules may differ, so read the current notice on the member portal before you file.
- Pay nobody to file your claim. The online claim is free.
- Withdrawing early can reduce your retirement savings and may have tax effects. Think before you claim.
Problems and fixes
| Problem | Fix |
|---|---|
| Online Services does not show Claim | Your UAN may not be active or your KYC may be incomplete. Activate the UAN in UMANG and complete KYC first. |
| The bank account does not verify | The name and account details must match your KYC. Correct the bank details under Manage, KYC. |
| The claim is rejected or pending | Read the reason shown on the portal, correct it and file again. Your employer or the EPFO office may have to act. |
Common questions
How do I withdraw my PF online?
Log in to the EPFO member portal, open Online Services, choose Claim (Form-31, 19, 10C and 10D), verify your bank account and submit with the OTP.
Which form is for final settlement?
Form 19 is for PF final settlement, Form 10C is for pension withdrawal and Form 31 is for partial withdrawal and advances.
What do I need before I can claim online?
An active UAN, Aadhaar and a bank account linked to your UAN, and a mobile number that can receive the OTP.
Aksar pooche jaane wale sawaal
Yahi jaankari, Hinglish mein.
PF online kaise nikalein?
EPFO member portal par login karein, Online Services mein Claim (Form-31, 19, 10C and 10D) chunein, bank verify karein aur OTP se submit karein.
Official sources
- EPFO member portal · EPFO
- EPFO FAQs on online claim settlement · EPFO
- EPFO guidelines for advances through Form 31 · EPFO
- PIB: 238th meeting of the EPF Central Board of Trustees · PIB
- PIB: EPFO urges members to use only official portals, which are free · PIB
Checked on 29 Oct 2026 We read these pages. Always confirm on the official site before you act.