Here is step-by-step guide to Claim/ Withdraw Provident Fund Online & Offline
As you are aware that 12% of employees provident fund is deducted from employees basic salary every month and subsequently that payment is deposited to Employees Provident Fund Organization of India. This pay is deducted from employees basic salary for the month based on attendance and paid days of the particular month. Similarly 12% of provident fund (actually 13%, 12% for employee and 1% Provident Fund Admin Charges) also contributed to employees provident fund account by the employer every month. In total 24% of basic salary of the employee is contributed as provident fund in employees PF account every month. The money contributed to employees PF account is given to employee when they are unable to work or retire, this all has case to case procedure apply to claim your PF withdrawal.
How to check your provident fund online? Click here!
PF can be withdrawn partially or fully even during the employment in certain cases.
When can we withdraw PF and how?
You can choose to withdraw your PF fully or partially depending on your requirement however it has some conditions to be fulfilled as mentioned below.
Full PF withdrawal: PF can be fully withdrawn if-
a) When employee retires from the employment.
b) When employee remains unemployed for more than two months. Being unemployed for two months has to be certified by a gazetted officer. However due to link of KYC (Aadhar, PAN & Bank a/c in UAN) PF department can track the unemployment condition online itself and hence sometime online PF withdrawal can be processed without gazetted officer signature sometime. Full PF withdrawal while changing jobs without being employment for two months or more is not possible as PF can track it online through UAN KYC and any miscommunication to withdraw full PF without being unemployment is illegal.
Partial withdrawal of Provident Fund: Partial PF withdrawal is possible only on certain conditions as described below-
Partial PF Claim/ Withdrawal Conditions
How to claim/ withdraw PF?
There are two option to withdraw PF e.i. Offline & Online.
A. Offline PF Claim/ Withdrawal submission: A physical copy of the new composite claim form for PF (Click here to download) can be submitted to the respective jurisdictional EPFO office with or without attestation of employers (employers seal & signature) on the following conditions-
i. If KYC is completed (Specially Aadhar) then new composite PF claim form can be submitted without the attestation of the employer (employers seal & signature not required).
ii. If KYE is not completed then attestation of the employer (employers seal & signature) is mandatory to submit the claim application to the respective jurisdictional EPFO office.
In the case of partial PF withdrawal for various reasons as mentioned in above table, recently the requirement to furnish various documents has been removed with an option of self certification has been introduced for the PF subscribers. To refer the order dated 20th Feb 2017 by EPFO Click Here!
A. Online PF Claim/ Withdrawal submission: EPFO now has launched the facility to claim/ withdrad PF online for which certian condition to be met before apllying. The process has turned easy and faster.
The conditions are-
a. UAN (Unicersal Account Number) is activated and the mobile number is in working condition which is used to activate UAN.
b. KYC (Aadhar, PAN & Bank a/c) is updated and linked with UAN.
If above mentioned two conditions are met then PF claim can be submitted online.
Steps to apply PF claim online:
Step 2: Login with your UAN & Password
Step 3: Then click on the tab "Manage" and select KYC to check and confirm if your KYC is updated, correct and verified or not.
Step 4: Once KYC details are verified, go to the tab "Online Services" and select Claim option from the drop down list.
Step 5: The claim screen will display members details, KYC details and other service details, click on the tab "Proceed For Online Claim" and submit the claim form.
Step 6: After that select the claim your required i.e. full EPF settlement, EPF Part withdrawal, (loan/ advance) or Partial withdrawal, under the tab "I Want To Apply For". If member is not eligible for any of the services like Pension withdrawal etc. due to service criteria then the option will not be shown in the drop down list.
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