PF Withdrawal Rules 2025: Whether you do a government job or work in the private sector, you must have an account in the Employees Provident Fund Organization (EPFO). If you also want to withdraw your PF money, then in the year 2025, EPFO ​​​​has given some options for this. Come, in this news we will tell you when and in what ways you can withdraw money from your PF account.

Ways to withdraw PF money

There are two main ways to withdraw money from EPF-

Offline (by submitting form) and Online (through UAN portal)

1. Offline method (by submitting physical form)

If your UAN (Universal Account Number), Aadhaar and bank details are not linked on the EPFO ​​portal, then you will have to fill and submit the composite claim form.

Which form to fill?

Composite Claim Form (with Aadhaar) – If your Aadhaar, Bank Account and UAN are verified on EPFO ​​portal then you can submit this form even without verification from the company.

Composite Claim Form (Non-Aadhaar) – If Aadhaar/Bank details are not linked, get this form verified from the company and submit it. To download this form you have to visit the official website of EPFO.

2. Online Method (From UAN Portal)

If your UAN is activated and Aadhaar, PAN, bank details are verified, then you can withdraw PF online.

Steps to withdraw PF online

1. Login to UAN portal – https://unifiedportal-mem.epfindia.gov.in

2. Check KYC – Go to ‘Manage’ > ‘KYC’ and check if Aadhaar, PAN and bank details are verified.

3. Fill claim form – Click on ‘Online Services’ > ‘Claim (Form 31, 19, 10C & 10D)’.

4. Verify bank account – Enter your account number and click ‘Verify’.

5. Select claim type –

Full Settlement, Partial Withdrawal and Pension Withdrawal

6. Fill in the details and submit- upload scanned documents (if required).

7. Note: If you have left the job, you can enter the Exit Date yourself (by going to ‘Manage’ > ‘Mark Exit’).

Login to UAN portal.

Click on ‘Online Services’ > ‘Track Claim Status’.

Check the status by entering the reference number.

Now you can withdraw PF from ATM also

The government is planning to introduce EPF 3.0 by 2025, in which you will be able to withdraw money from your PF account with the help of an ATM card. This facility will be started soon. To get this card, you will need some important documents. These documents are- UAN number, Aadhar card, PAN card, bank account details (IFSC code) and cancelled cheque. You will need these documents even when you try to withdraw PF money offline.