EPF Withdrawal Process 2025: Complete Step-by-Step Guide
With the introduction of EPF 3.0, the Employees’ Provident Fund Organisation (EPFO) has modernized and simplified the withdrawal process in 2025. From instant withdrawals to ATM and UPI-based claims, this guide explains everything you need to know.
1. Who Can Withdraw EPF?
You are eligible to withdraw from your EPF account if:
You’ve retired from service (age 58+)
You’re unemployed for 2+ months
You need money for marriage, education, medical expenses, home construction, or loan repayment
You’ve completed 5 continuous years of service (for tax-free benefits)
2. Types of EPF Withdrawals
| Form | Purpose |
|---|---|
| Form 19 | Final settlement after retirement or resignation |
| Form 10C | Pension withdrawal benefits |
| Form 31 | Partial withdrawals (advance for housing, medical, etc.) |
3. Prerequisites Before Applying
To withdraw online or access EPF 3.0 features, you must:
Activate your UAN (Universal Account Number)
Link Aadhaar, PAN, and bank account with UAN
Ensure mobile number linked to Aadhaar is active
Update e-nomination in the EPFO portal
Complete exit formalities if you left your job
4. Step-by-Step: How to Withdraw EPF Online
Visit the EPFO Unified Member Portal
Log in using your UAN + password
Go to Online Services → Claim (Form-31, 19 & 10C)
Verify your KYC details (name, PAN, bank account)
Select the appropriate claim type (full/partial)
Enter the reason for withdrawal and the amount (if applicable)
Submit and complete the process with Aadhaar OTP verification
Track status under Track Claim Status
5. What’s New in 2025? (EPF 3.0 Features)
Instant Withdrawals via UPI/ATM: Withdraw up to ₹1 lakh instantly
Auto Settlement Limit Raised: Up to ₹5 lakh cleared within 3 working days
Paperless Process: No need for employer signature if KYC is verified
Integrated with DigiLocker: For easy document access
6. EPF Withdrawal Timelines
| Claim Type | Processing Time |
| Instant (via UPI/ATM) | Instant (up to ₹1 lakh) |
| Auto-Approved Claim | Within 72 hours (up to ₹5 lakh) |
| Manual Verification | 7–10 working days |
7. Tax Rules on Withdrawal
No tax if withdrawn after 5 years of continuous service
TDS @10% if withdrawn before 5 years and PAN is provided
TDS @30% if PAN is not linked
8. Offline Withdrawal (If Needed)
If online withdrawal isn’t possible:
Download Composite Claim Form (Aadhaar/Non-Aadhaar) from epfindia.gov.in
Fill out the form and attach documents
Submit to your employer or EPFO regional office
9. Common Reasons for Rejection
KYC not linked or verified
Aadhaar mismatch
Incomplete exit details
Wrong claim form selected
10. Pro Tips for Smooth Processing
- Keep UAN profile 100% updated
- Ensure Aadhaar name and EPF name match exactly
- Check claim status regularly via the portal
- Use e-nomination to prevent claim delays
