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EPFO Withdrawal: Everything You Need to Know
Your Employees’ Provident Fund (EPF) is a
crucial part of your retirement savings. But did you know that under certain
conditions, you can withdraw your EPF balance partially or fully?
At IndiaLends, we believe in empowering you
with financial knowledge—whether you're applying for a personal loan or making decisions about your EPF
account. Here's a complete guide to help you understand EPFO withdrawal,
eligibility, and process.
Matrix-Driven Guide: EPF Withdrawal
Types and Rules
|
Withdrawal Type |
When You Can Withdraw |
Maximum Amount |
Key Conditions |
|
Full Withdrawal |
On retirement or 2+ months of
unemployment |
100% of EPF balance |
PAN, Aadhaar, and UAN must be
linked |
|
Partial Withdrawal – Medical |
For self/spouse/parents/children’s
treatment |
Up to 6 times monthly basic or
total corpus |
No minimum service required |
|
Partial Withdrawal – Marriage |
For self/sibling/child marriage |
Up to 50% of employee contribution |
Minimum 7 years of service |
|
Partial Withdrawal – Home Purchase |
To buy/build a house |
Up to 90% of EPF balance |
Minimum 5 years of service |
|
Partial Withdrawal – Education |
For higher education of self or
child |
Up to 50% of employee contribution |
Minimum 7 years of service |
|
COVID-19 Withdrawal |
During COVID-19-related financial
stress |
75% of balance or 3 months' wages |
Once per member during crisis |
How to Withdraw EPF Online
The online EPF withdrawal process is simple and
paperless. Here’s how:
1.
Log in to EPFO
Member Portal.
2.
Enter
your UAN, password, and captcha.
3.
Go
to Online Services > Claim (Form-31, 19, 10C).
4.
Verify
your KYC details.
5.
Select
the relevant withdrawal reason.
6.
Submit
the request and verify via OTP sent to your Aadhaar-linked mobile.
You can also track the status via the UMANG app
or the EPFO portal.
When Can You Withdraw EPF?
|
Condition |
Eligibility |
|
Retirement |
On or after 58 years of age |
|
Unemployment |
After 2 months without a job |
|
Medical Emergency |
No service limit required |
|
Home Purchase |
After 5 years of service |
|
Education/Marriage |
After 7 years of service |
Documents Required for EPFO
Withdrawal
For complete documentation, refer to EPFO’s official website.
IndiaLends Insight
EPF withdrawal is useful in emergencies but
withdrawing too early reduces your retirement savings. If you're facing urgent
financial needs and don’t want to disturb your EPF, consider an instant small
personal loan from IndiaLends with minimal documentation and quick
approval.
Internal Resources from IndiaLends
Frequently Asked Questions (FAQs)
Can I withdraw my EPF while working?
Only partial withdrawals are allowed during employment
for specific reasons like medical, marriage, education, or housing.
Is EPF withdrawal taxable?
Withdrawals before 5 years of continuous service may
attract tax. After 5 years, withdrawals are tax-free.
How many times can I withdraw EPF?
There’s no fixed limit, but each purpose (marriage,
education, etc.) has specific eligibility and frequency conditions.
Can I withdraw EPF offline?
Yes. Download Form 19/31/10C from the EPFO website,
fill it out, and submit it to your regional EPF office with necessary
documents.
How long does it take to get the EPF
amount after applying?
Online claims usually take 7–15 working days if all
documents and KYC details are in place.
Apply Now
Need quick access to funds but don’t want to dip into
your EPF savings? Get an instant personal loan from IndiaLends and meet your needs—be it medical,
marriage, education, or travel—without compromising your long-term retirement
fund.
EPFO withdrawal
is a vital financial tool when used wisely. Always balance short-term needs
with long-term goals—and count on IndiaLends to support you every step of the
way.
