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EPF Form
31: Complete Guide to Partial Withdrawal from Your PF Account
The Employees’
Provident Fund (EPF) is a retirement savings scheme managed by the Employees’
Provident Fund Organisation (EPFO). While its primary purpose is to provide
financial security after retirement, you can also make partial withdrawals
for specific needs such as medical treatment, education, marriage, or buying a
house.
For these
withdrawals, you must submit EPF Form 31 — also called the PF Advance
Form. In this blog, IndiaLends explains what EPF Form 31 is, its
uses, and the step-by-step process to apply online.
What is
EPF Form 31?
EPF Form 31
is an official document that allows members to withdraw a portion of their EPF
balance before retirement for approved purposes. You can apply for this
withdrawal both online via the UAN Member Portal or offline through
your employer.
When Can
You Use EPF Form 31?
|
Purpose |
Eligibility/Conditions |
Maximum
Withdrawal Allowed |
|
Medical
Treatment |
For self
or family; no minimum service period |
Lower of
actual cost or 6 months’ basic wages + DA |
|
Higher
Education |
For self
or children; after 7 years of service |
Up to 50%
of employee’s share with interest |
|
Marriage |
For self,
siblings, or children; after 7 years of service |
Up to 50%
of employee’s share with interest |
|
Home
Loan Repayment |
Minimum 10
years of service |
Up to 36
months’ basic wages + DA |
|
House
Construction/Purchase |
Minimum 5
years of service |
Up to 24
months’ basic wages + DA |
|
Natural
Calamity |
No minimum
service |
Up to
₹5,000 or 50% of own contribution |
How to
Apply for EPF Form 31 Online
Step 1: Visit the UAN Member Portal.
Step 2: Log in using your UAN and password.
Step 3: Go to Online Services → Claim (Form-31, 19, 10C).
Step 4: Verify your KYC details (Aadhaar, PAN, Bank account).
Step 5: Select “PF Advance (Form 31)” from the drop-down list.
Step 6: Enter the purpose of withdrawal, upload supporting documents,
and submit your claim.
Documents
Required for EPF Form 31
Important
Points to Remember
IndiaLends
Tip
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reducing your retirement savings, you can also check instant personal loan
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approval.
FAQs on
EPF Form 31
Q1. How
many days does it take to process EPF Form 31?
Usually 7–15 working days after submission, depending on verification.
Q2. Can I
use EPF Form 31 to withdraw my full PF balance?
No, this form is only for partial withdrawals. Full settlement requires EPF
Form 19.
Q3. Do I
need employer approval for an online claim?
No, if your KYC is verified, you can apply directly through the UAN portal.
Q4. Is
TDS applicable on withdrawals made using Form 31?
Yes, if you withdraw before 5 years of service (except for medical or other
exempt purposes).
Q5. How
many times can I apply using Form 31?
It depends on the reason — for example, medical treatment can be claimed
multiple times, but marriage or education usually only once.
