Which are the forms used for EPF withdrawal?
EPF Form 19
You must use the EPF Form 19 to withdraw EPF funds for the final settlement. The EPF Form 19 is essentially a two-page form that contains the following sections.
- The first page of the form displays the member’s name, father or spouse’s name, Date of birth, name and address of the establishment, Date of joining and Date of leaving the company, PF Account Number and UAN, full postal address, PAN (Permanent Account Number), reason for leaving the organisation, mode of payment and the employer and employees signature.
- You will find the advance stamped receipt on the second page of the form. You must fill this section only if you select cheque as the payment mode.
How to fill the EPF Form 19?
You can apply to withdraw or transfer the EPF corpus when you are quitting or changing your job. You can fill out the EPF Form 19 online or offline to remove your EPF amount.
Steps for filling the EPF Form 19 online:
- You must visit the EPFO website and enter your UAN (Universal Account Number), password and captcha.
- You then click on the ‘Online Services Tab’ and choose the option “Claim (Form 31, Form 19, Form 10C and Form 10D)”.
- Enter your bank account number linked with your PF account and click on ‘Verify’.
- A ‘Certificate of Undertaking’ pop-up will appear, and you must select the ‘Yes’ option to proceed.
- A drop-down menu will appear under the ‘I want to apply for’ option.
- You must choose the ‘Only PF Withdrawal (Form – 19)’
- The next screen opens a new section to enter your complete permanent address.
- Tick off the disclaimer after filling up your address and click on the ‘Get Aadhaar OTP.’
- You must enter the OTP that you get on your registered mobile number, verify your Aadhaar and proceed to the next step.
- You receive a reference number on the successful submission of your application.
EPF Form 31
You can use Form 31 for a partial withdrawal or to avail of an advance from the EPF account. You can access Form 31 from the UAN portal. However, you need your bank account details, PAN, and Aadhaar details to be updated on the portal to apply for EPF advance.
How to submit EPF Form 31 online?
- You must visit the EPFO portal, log in using your UAN, password, and fill in the Captcha code.
- You then visit the ‘Online Services’ tab and select ‘Claim’ to generate your online request.
- After you click on ‘Claim’, a page appears with details such as your name, father’s name, DOB, Aadhaar Number, PAN, Date of joining the organisation and your mobile number.
- You then click on ‘Proceed for Online Claim’ after checking all the required details.
- It would help if you chose the ‘PF Advance (Form 31)’ option from the drop-down menu.
- You then choose the reasons for taking the EPF advance and enter your current address and the amount.
- You must sign the disclosure and check-box the ‘Get Aadhaar OTP.’
- You will have to enter the OTP, click on ‘Validate OTP’ and submit the ‘Claim Form’.
What is Form 10C?
You have to fill and submit Form 10C online to withdraw or transfer your EPS (Employee Pension Scheme) Amount. You can download the form at the following link:
How to Fill the Form 10C online?
- You must log on to the EPF portal and enter your UAN and password.
- You then choose ‘Online Services’ from the menu bar.
- You then pick the tab ‘Claim’, which contains Form 19, Form 31 and Form 10C.
- You will be directed to the next page, where you will see the service history, KYC requirements and member details.
- You then press the tab ‘Proceed Online Claim.’
- You will be guided to the Claims Section, where you can check details such as PAN, mobile number, bank account number and UAN number.
- You have to enter the last four digits of your bank account number and click ‘Verify’ to verify your details.
- You then click ‘Yes’ on the ‘Certificate of Undertaking.’
- You will then have to select the claim type as ‘Withdraw PF only’ or ‘Withdraw Pension Only.’
- Navigate to the menu “I want to apply for” and pick “Only Pension Withdrawal (Form 10C).”
- You must enter your permanent address in the Form 10C Section and tick the disclaimer section.
- Do click the tab ‘Get Aadhaar OTP.’
- An OTP will be sent to your Aadhar-linked mobile number. You must enter this OTP and click on the ‘Validate OTP’ tab and then on the “Submit Claim Form”.
- After you successfully submit Form 10C, you will get SMS notification on your mobile number.
- Your pension claim will be submitted with the filled up Form 10C, and the Employees Pension Scheme (EPS) amount gets transferred to your savings bank account.
How to Apply for Home Loan Based on EPF Accumulation?
- You can borrow up to 36 times your last monthly contribution to purchase a home.
- If you are purchasing land, you can borrow up to 24 times your last monthly contribution.
- You must be in service for five consecutive years to avail of the loan.
You can follow the procedure given below to apply for a home loan based on your EPF account balance:-
- Apply for a home loan through the housing society and send the application to the EPF Commissioner in the format specified in Annexure 1. The EPF Commissioner will issue a certificate stating the monthly contribution to your EPF account over the last three months.
- Alternatively, you can take a printed copy of your EPF passbook to show the last three months’ contribution and submit it to the housing society to get an estimate of the loan amount you can get from the EPF balance.
You can follow the steps below to apply for a home loan through the UAN member portal:-
- Step 1: Log in to the UAN Member e-Sewa portal.
- Step 2: Select the ‘Online Services’ tab and click on the ‘Claim (Form-31, 19 & 10C)’ option.
- Step 3: Member details will be displayed. Enter your bank account number registered with EPF and click ‘Verify’.
- Step 4: Select ‘Yes’ to sign the certificate.
- Step 5: Select the ‘Proceed for Online Claim’ option and provide the reason for requesting an advance next to ‘I Want to Apply For’. The corresponding options will only be displayed if you are eligible from the years of service perspective.
- Step 6: Select ‘PF Advance (Form 31)’ to withdraw your funds as an advance or loan. Also, enter the amount you would like to avail of and the employee’s address.
- Step 7: Click on the certificate and apply. If prompted, you may be required to upload relevant documents.
- Step 8: EPFO processes your application. On approval, EPFO makes the payment to the housing society directly.
