Post-Job PF and EPF Withdrawal Process: Eligibility, Documents, and Timeline
Retirement September 19, 2025
Siddhi Sharma, CFP®
Money Coach, Lxme } NISM Certified
What is an Employee Provident Fund (EPF)?
You might have heard about PF or EPF, right? Yes, it’s the same word that is used interchangeably. The Employee Provident Fund (EPF) is a scheme that was introduced in 1952 by way of a law.
Under the EPF scheme, both parties (i.e., the employee and the employer) make a monthly contribution to the employee’s EPF account during their working life, and it is a means of assisting the employee after retirement. Any organisation that employs 20 or more persons must follow the EPF and Miscellaneous Provision Act as prescribed by the government.
EPF Withdrawal Eligibility:
Partial Withdrawal: Members are allowed to partially withdraw from their EPF amount for the purpose of medical, marriage, education, or purchasing a home.
Full Withdrawal: Members may fully withdraw from their EPF amount when they retire, reach age 58, or in a case of unemployment for a period of two months or longer.
The EPF withdrawal process allows members to access their funds either partially or fully, based on these conditions.
Advanced PF Withdrawal Time:
Advance PF withdrawal time varies according to the claim type. However, with the EPFO’s auto-settlement mode, claims up to ₹5 lakh can generally be settled within a maximum of 3 days. Manual or offline claims are processed in a longer time period. This could be anywhere between 7 or even up to 20 working days.
Documents Required:
- Confirm if UAN is active and KYC compliant in order to withdraw EPF money hassle free
- Once your bank details are linked with UAN, you will be required to show no document
- EPFO Employee PF Withdrawal Rules 2025 will ease the issue of withdrawing PF money, which is a welcome improvement to aid working professionals
These new rules will also provide women the independence to take on their retirement savings. The fewer administrative barriers shall allow you access to funds easily.
Online Advance EPF Withdrawal Procedure
Online Process For EPF Advance Withdrawal
Step 1: Log in to the EPFO website:
You will need to log in to the EPFO website (unifiedportal-mem.epfindia.gov.in) using your UAN, your password, and the CAPTCHA.
Step 2: Click on Online Services:
Once you have logged in, click online services, then click on Claim (Form-31, 19, 10C & 10D).
Step 3: KYC verification and filling out the details:
The system will show the KYC details (name, DOB, PAN, Aadhar, bank account number, IFSC code) that need to be verified.
You then need to select which type of claim you want to make from a dropdown, PF Advance(Form 31), PF Final Settlement(Form 19), Pension Withdrawal(Form 10C / 10D)
Step 4: Fill out the Online Claim Form:
If you are applying for an advance (Form 31), you will need to fill out the reason for withdrawal, the amount you need, and your current address.
Step 5: Submit and authenticate OTP:
Read the disclaimer and check the box.
Click Proceed for Online Claim.
Authenticate your claim using the OTP sent to your mobile number linked with Aadhaar
Important Points
KYC Verification: When applying for withdrawal, make sure that your UAN is connected to your PAN, Aadhaar, and Bank Account details, and all details must be verified for simplicity.
Withdrawal Forms.
Form 31: Partial withdrawal (advances) is allowed to meet any specific need (medical, education, house construction etc).
Form 19: To claim and withdraw complete PF balance after retirement or resignation.
Form 10C/10D: To withdraw pension benefits.
Tracking Status: You can check your claim status on the EPFO Portal.
In conclusion, EPF is a smart and reliable way to secure your financial future. It not only ensures steady savings and tax benefits but also provides a safety net during important life stages. For women, it adds extra confidence and independence, making financial planning simpler and stronger.
Ideally, one should diversify their retirement portfolio against different asset classes like equity, debt, gold and fixed income instruments in order to optimize returns and maintain stability.
You can check out Lxme Long Term Fund which is well-researched, diversified and curated by experts which is suitable to build a retirement fund.
FAQs
Can I withdraw my EPF if I have not found a new job?
Yes, you can withdraw your PF if you haven’t found a new job; however, it depends on why you are unemployed.
What documents are required for EPF withdrawal?
You need to ensure that your UAN is active and that your KYC is compliant for easy withdrawal.. Since you’ve provided your bank details while finishing linking your UAN, there is no need for other documents.
How long does it take to process an EPF withdrawal claim?
It usually takes 20 days to settle a claim or release the PF amount.
Is there any tax liability on EPF withdrawal?
No, EPF withdrawals made after five years of continuous service, including those made after retirement, are usually tax-free.
Further read:
Please note, The Lxme Dream Card services has been discontinued from 30th November, 2024 to make way for something very exciting!
Sorry for the inconvenience caused and stay tuned for something really special!
New Investor? Request a Callback.
Fill in your details and we will guide you at every step
other blogs
Education Retirement August 20, 2025
Pension Payment Order (PPO): What It Is, How to Get It, and Why It’s Important
Retirement is a special time for every woman. It’s a moment to celebrate years of hard work and start a new chapter in life. For many women, managing finances during retirement can feel overwhelming, especially if this is their first time handling things like pensions or government paperwork. But knowing a few simple things, like … Pension Payment Order (PPO): What It Is, How to Get It, and Why It’s Important
By Siddhi Sharma, CFP®
Retirement June 11, 2025
How to Calculate EPF Contribution and Interest
Dear Ladies, understanding your EPF, i.e., Employees’ Provident Fund, is super important. It’s not just a deduction from your salary; it’s an investment plan primarily designed for your retirement in the future. Many women ignore it because it seems complicated, but trust me, once you know the basics, you’ll feel more confident and in control … How to Calculate EPF Contribution and Interest
By Siddhi Sharma, CFP®
Retirement May 21, 2025
New Advance PF Withdrawal Rules You Need to Know in 2025
The Employees’ Provident Fund Organisation (EPFO) has introduced important changes in 2025 to streamline the PF withdrawal process. These reforms are particularly beneficial for working women, offering enhanced flexibility and reduced unnecessary formalities and paperwork. Let’s break down the Advance PF Withdrawal Rules for you. Key Changes in EPFO Rules of PF Withdrawal Process for … New Advance PF Withdrawal Rules You Need to Know in 2025
By Siddhi Sharma, CFP®