{"id":19232,"date":"2025-09-19T10:59:05","date_gmt":"2025-09-19T10:59:05","guid":{"rendered":"https:\/\/lxme.in\/?p=19232"},"modified":"2025-09-19T10:59:13","modified_gmt":"2025-09-19T10:59:13","slug":"post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline","status":"publish","type":"post","link":"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/","title":{"rendered":"Post-Job PF and EPF Withdrawal Process: Eligibility, Documents, and Timeline"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#What_is_an_Employee_Provident_Fund_EPF\" >What is an Employee Provident Fund (EPF)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#EPF_Withdrawal_Eligibility\" >EPF Withdrawal Eligibility:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Advanced_PF_Withdrawal_Time\" >Advanced PF Withdrawal Time:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Documents_Required\" >Documents Required:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Important_Points\" >Important Points<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Withdrawal_Forms\" >Withdrawal Forms.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Can_I_withdraw_my_EPF_if_I_have_not_found_a_new_job\" >Can I withdraw my EPF if I have not found a new job?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#What_documents_are_required_for_EPF_withdrawal\" >What documents are required for EPF withdrawal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#How_long_does_it_take_to_process_an_EPF_withdrawal_claim\" >How long does it take to process an EPF withdrawal claim?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/#Is_there_any_tax_liability_on_EPF_withdrawal\" >Is there any tax liability on EPF withdrawal?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_an_Employee_Provident_Fund_EPF\"><\/span><strong>What is an Employee Provident Fund (EPF)?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You might have heard about PF or EPF, right? Yes, it\u2019s 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.&nbsp;<\/p>\n\n\n\n<p>Under the EPF scheme, both parties (i.e., the employee and the employer) make a monthly contribution to the employee&#8217;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.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPF_Withdrawal_Eligibility\"><\/span><strong>EPF Withdrawal Eligibility:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Partial Withdrawal: <\/strong>Members are allowed to partially withdraw from their EPF amount for the purpose of medical, marriage, education, or purchasing a home.<\/p>\n\n\n\n<p><strong>Full Withdrawal: <\/strong>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.<\/p>\n\n\n\n<p>The EPF withdrawal process allows members to access their funds either partially or fully, based on these conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Advanced_PF_Withdrawal_Time\"><\/span><strong>Advanced PF Withdrawal Time:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Advance PF withdrawal time varies according to the claim type. However, with the EPFO&#8217;s auto-settlement mode, claims up to \u20b95 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.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Documents_Required\"><\/span><strong>Documents Required:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Confirm if UAN is active and KYC compliant in order to withdraw EPF money hassle free<\/li>\n\n\n\n<li>Once your bank details are linked with UAN, you will be required to show no document<\/li>\n\n\n\n<li>EPFO Employee PF Withdrawal Rules 2025 will ease the issue of withdrawing PF money, which is a welcome improvement to aid working professionals<\/li>\n<\/ul>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Online <\/strong><strong>Advance EPF Withdrawal Procedure<\/strong><\/p>\n\n\n\n<p><strong>Online Process For EPF Advance Withdrawal<\/strong><\/p>\n\n\n\n<p><strong>Step 1: Log in to the EPFO website:<\/strong><\/p>\n\n\n\n<p>You will need to log in to the EPFO website <a href=\"http:\/\/unifiedportal-mem.epfindia.gov.in\" target=\"_blank\" rel=\"noopener\">(unifiedportal-mem.epfindia.gov.in)<\/a> using your UAN, your password, and the CAPTCHA.&nbsp;<\/p>\n\n\n\n<p><strong>Step 2: Click on Online Services:<\/strong><\/p>\n\n\n\n<p>Once you have logged in, click online services, then click on Claim (Form-31, 19, 10C &amp; 10D).<\/p>\n\n\n\n<p><strong>Step 3: KYC verification and filling out the details:&nbsp;<\/strong><\/p>\n\n\n\n<p>The system will show the KYC details (name, DOB, PAN, Aadhar, bank account number, IFSC code) that need to be verified.<\/p>\n\n\n\n<p>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)<\/p>\n\n\n\n<p><strong>Step 4: Fill out the Online Claim Form:<\/strong><\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Step 5: Submit and authenticate OTP:<\/strong><\/p>\n\n\n\n<p>Read the disclaimer and check the box.<\/p>\n\n\n\n<p>Click Proceed for Online Claim.<\/p>\n\n\n\n<p>Authenticate your claim using the OTP sent to your mobile number linked with Aadhaar<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Important_Points\"><\/span><strong>Important Points<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p><strong>KYC Verification: <\/strong>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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Withdrawal_Forms\"><\/span><strong>Withdrawal Forms.<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Form 31: Partial withdrawal (advances) is allowed to meet any specific need (medical, education, house construction etc).<\/p>\n\n\n\n<p>Form 19:&nbsp; To claim and withdraw complete PF balance after retirement or resignation.<\/p>\n\n\n\n<p>Form 10C\/10D:&nbsp; To withdraw pension benefits.<\/p>\n\n\n\n<p><strong>Tracking Status:<\/strong> You can check your claim status on the EPFO Portal.<\/p>\n\n\n\n<p>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 <a href=\"https:\/\/lxme.in\/learn-finance\/\">financial planning<\/a> simpler and stronger.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>You can check out <a href=\"https:\/\/lxme.in\/invest\/\">Lxme Long Term Fund<\/a> which is well-researched, diversified and curated by experts which is suitable to build a retirement fund.<\/p>\n\n\n\n<p><strong>FAQs<\/strong><\/p>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1756208475861\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Can_I_withdraw_my_EPF_if_I_have_not_found_a_new_job\"><\/span><strong><strong>Can I withdraw my EPF if I have not found a new job?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>Yes, you can withdraw your PF if you haven&#8217;t found a new job; however, it depends on why you are unemployed.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756208491396\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"What_documents_are_required_for_EPF_withdrawal\"><\/span><strong><strong>What documents are required for EPF withdrawal?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You need to ensure that your UAN is active and that your KYC is compliant for easy withdrawal.. Since you&#8217;ve provided your bank details while finishing linking your UAN, there is no need for other documents.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1756208507307\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_process_an_EPF_withdrawal_claim\"><\/span><strong><strong>How long does it take to process an EPF withdrawal claim?<\/strong><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>It usually takes 20 days to settle a claim or release the PF amount.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1758279088515\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"Is_there_any_tax_liability_on_EPF_withdrawal\"><\/span><strong>Is there any tax liability on EPF withdrawal?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>No, EPF withdrawals made after five years of continuous service, including those made after retirement, are usually tax-free.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"Can I withdraw my EPF if I have not found a new job?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, you can withdraw your PF if you haven't found a new job; however, it depends on why you are unemployed.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What documents are required for EPF withdrawal?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"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.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How long does it take to process an EPF withdrawal claim?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"It usually takes 20 days to settle a claim or release the PF amount.\"\n    }\n  }]\n}\n\"@type\": \"Question\",\n    \"name\": \"Is there any tax liability on EPF withdrawal?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, EPF withdrawals made after five years of continuous service, including those made after retirement, are usually tax-free.\n\"\n    }\n  }]\n}\n<\/script>\n\n\n\n<p>Further read:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/lxme.in\/top-investment-options-for-senior-citizens\/\" target=\"_blank\" rel=\"noreferrer noopener\">Top 6 Investment Options for Senior Citizens<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/how-to-invest-in-gold-mutual-fund-through-sip\/\" target=\"_blank\" rel=\"noreferrer noopener\">How To Invest in Gold Mutual Fund Through SIP?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/lxme.in\/post-office-savings-schemes-for-women\/\" target=\"_blank\" rel=\"noreferrer noopener\">5 Post Office Savings Schemes for Women and their Benefits<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is an Employee Provident Fund (EPF)? You might have heard about PF or EPF, right? Yes, it\u2019s 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.&nbsp; Under the EPF scheme, both parties (i.e., the employee and the employer) <a href=\"https:\/\/lxme.in\/v1\/post-job-pf-and-epf-withdrawal-process-eligibility-documents-and-timeline\/\" class=\"more-link\">&#8230;<span class=\"screen-reader-text\">  Post-Job PF and EPF Withdrawal Process: Eligibility, Documents, and Timeline<\/span><\/a><\/p>\n","protected":false},"author":10,"featured_media":19233,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[651],"tags":[1385,1386,1115,1384],"class_list":["post-19232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement","tag-advance-pf-withdrawal-process","tag-advance-pf-withdrawal-time","tag-epf-withdrawal-eligibility","tag-epf-withdrawal-process"],"acf":[],"_links":{"self":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/19232","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/comments?post=19232"}],"version-history":[{"count":1,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/19232\/revisions"}],"predecessor-version":[{"id":19234,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/posts\/19232\/revisions\/19234"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media\/19233"}],"wp:attachment":[{"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/media?parent=19232"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/categories?post=19232"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lxme.in\/v1\/wp-json\/wp\/v2\/tags?post=19232"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}