Industrial Relations And Labour Laws
Hr & Administration
Agm - Hr & Admin.
Raj Kumar Hansdah
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Hello Friends,
Plz guide me , due to some financial problems , i want to withdraw my
pf amount, wheather i can withdraw r not, im still working in the same company, im not quiting that company, just i want to withdraw the PF. so plz any one guide me, regarding this, and which all the form i need .
20th September 2010 From United States, Milwaukee
You can not withdraw the Provident Fund while you are in service. However, subject to some conditions you will get advance (non refundable) from your Fund. For details please follow the link.
20th September 2010 From India, Kannur
There would depend on the Company's P.F. Rules. If it is a privately run trust, it saves you the hassles.
Look up the rules...mostly it requires to have worked for at least 5 years with the company.
It could be a loan or a partial withdrawal - again the rules would spell this out.
- buying a house or renovating may entitle you to a partial withdrawal.
- son's education, medical expenses etc may entitle you for a loan which you would have to repay with interest.
Usually 1% higher than the interest you earn.
Hope this helps.
20th September 2010 From India, Mumbai
Hi frnd, u can't withdraw pf amount u can avail the facility of advance from rpfc which wil be non refundable for specifhed purpose like house maintenance and constructn, marriag of son daughter, yourself etc. In case of trust it wil be depend upon company policy. Thanks Sunil Sharma
21st September 2010 From India, New Delhi
we can close the pf while working
we have to stop the contribution for one month and we can mention in the form 10 that he he is left and a new account can open for them and we can close the pf.
21st September 2010 From India, Madras
Hi Frind, U can not withdrawal ur P.F.amount better way u take Loan based on ur PF amount by submission of Form No-31.
21st September 2010 From India
You can avail a non refundable (Loan) advance, out of your PF accumulations.
It's once in life time from the PF Account number that you currently have the accumulations in.
Benefit of Non - Refundable advance from the amount standing to the credit of member in the fund can be sanctioned for the following purposee :
1- Purchase of House.
2- Repayment of a loan for Housing.
3- Purchase of a house/site/flat under the housing scheme notified by the Central Provident Fund Commissioner.
4- Unemployument due to lockout or temporary closure.
5- Unemployment due to illness.
6- Marriage of self or of Daughter, Son , Sister, or Brother.
7- Education of Son or Daughter.
8- exceptional calamity.
The supporting documents will have to be attached for claiming the Non - Refundable advances.
Hope the answer satisfies your requirement.
Rajesh Mishra
21st September 2010 From India, Mumbai
Dear Prakash,
You can withdraw amounts from your PF account only for specific reason like
1. Repayment of housing loan.
2. Purchase of house.
3. Marriage of self, children, brother or sisters (only three times while in service)
You need to submit Form 31 through your employer and then forward the same to PF office. But subject to certain eligibility criteria (You need to be a PF member for certain period for each loan category) PF office will permit you to withdraw the amount.
One member has inadvertently suggested that you can withdraw the amount by mentioning in Form 10. This is a wrong procedure. Form 10 is submitted only when employees leave. Once again reopening a fresh account will be considered as an offence by employer. Please do not suggest such things in a common forum like this.
Trust the matter is clear.
21st September 2010 From India, Madras
But don't you think one will need the "management's" cooperation? After all, unless there is a signed certificate that you have left their employment, the PF commissioner will not pass your PF payout cheque!
- suryachalla
22nd September 2010 From India, Rajamahendri
Dear You are working in chennai , bellow link is very useful
22nd September 2010 From India, Coimbatore
Dear, Find the file attached how,when & How Much u can withdraw PF Amount. Regards, BKMALVI
22nd September 2010

Attached Files
Membership is required for download. Create An Account First
File Type: xls PF WITHDRAWAL.xls (27.0 KB, 1160 views)

Dear Members,
Apart from the suggestions given herein - for withdrawal of fund - non-refundable; as per the provisions in the Act; I wish to draw your attention towards the huge monetary loss involved.
Presently the rate of interest is 9.5 %.
Today, no other savings instrument gives this kind of interest - guaranteed.
A better option is to apply for withdrawal of REFUNDABLE Loan from one's CPF. Here, the beneficiary is required to deposit back the loan amount alongwith applicable interests (about 12 p.a.), in easy installments.
Here the benefit is that the "principal amount" (without any reduction against the loan amount) continues to earn interest at the specified rate.
Many CPF Trusts encourage this type of withdrawal; so that the total corpus along with interest is available to the employee during times of acute need or on super-annuation/retirement.
Warm regards.
23rd September 2010 From India, Delhi
Mr. Rajesh Mishra is right, you can take non-refundable advances form P.F. through Form No- 31, Upto 90% of your contribution you can withdraw in case of purchasing or constructing house and in other cases you can take upto 50% of your contribution. but this advances should be supported with documentation like in the case of purchasing house you have to submit it's paper etc.
Rajiv Singh
27th September 2010 From India
Just a query,
Eg: if i join a XYZ company in Jan 2011 and as a employee contribution for PF they take Rs. 1000/- from my salary and also as employers contribution they show that, they are paying Rs. 1000/- against PF.
So, if i left the company in April 2011 will I be able to claim Rs. 8000/- for my 4 months service...? or is there any clause for it...?
Kindly reply..
13th January 2011 From India, Mumbai
PF is payable on completion of service. But there is provisions to withdraw fully or partially, subject to the following conditions; provided a minimum employee contribution (with interest) of Rs. 1000 is lying with PF.

1. 68(B) -Towards house consruction/purchace/ plot purchase etc. Minimum service required - 5 years. Amount admiissible - 100% of both employee & employer contribution.

2. 68(H) - Towards 2 months or more lock out (due to other than strike). No minimum service. Amount admissible - 6 times of basic+DA or employee contribution, whichever is less.

3. 68(J) - Towards one month hospitalisation, major surgical operation, diseases like leprosy, TB, cancer, mental retardation etc. No minimum service, but for out of ESI coverage members. Amount admissible - 6 times of basic+DA or employee contribution, whichever is less.

4. 68(K) - a) Towards post metric education of children.

b) Towards own/brothers'/sister's/children's marriage. Maximum three times in service. Minimum service required - 7 years. Amount admissible - 50% of employee contribution.

5. 68(N) - Applicable for physically handicapped towards purchase of equipment to reduce handicapness.Amount admissible - 6 times of basic+DA or employee contribution or cost of the equipment, whichever is less.

6. 68(NN) - After attaining an age of 54 years and before one year from the date of superannuation, whichever is later. Amount admiissible - 90% of both employee & employer contribution.

13th January 2011 From India, Bangalore
Out of the 1000+1000, 541 will go to pension fund. Balance 1459x4 = 5836 will only go to your individual PF account. Hence this Rs. 5836 with interest can be received from PF by submitting form 19.
Regarding pension : As you are contributed only for 4 months, you are not eligible for withdrawal benefit. Minimum 6 months contribution is required for this. But you can transfer the service to add up with future service.
13th January 2011 From India, Bangalore
Respected Sir, I want to know hom many times a person can withdraw his EPF without leave his job . Regard’s JAI
7th April 2014 From India, Delhi
Dear, You can not withdrawal your pf amount while you are on service if you are in financiale problem than you pf advance. For use form 31. may be your problem solved. Regards Santosh Dawande
24th April 2014 From India, Mumbai
...Can I Withdraw PF Amount When Still Im Job...
Plz Guide Me , Due To Some Financial Problems , I Want To Withdraw My
Pf Amount, Wheather I Can Withdraw or not, Im Quiting This Company now, Just i want to withdraw the PF. So Plz guide me regarding this, Which all the form i need to have .
Thanks n Rgds
Venkatesan -9663380978
31st December 2014 From India, Bangalore
Hii Sir mam
Pls tell one thing I have checked my pf acc.and suppose my total contribution is 10000.
Is this total amount or double amount of this contribution when I withdraw my pf amount plss tell me
15th February 2016 From India, Roorkee
I received final settlement amount from EPFO in June 2017. However, some of PF deductions were paid by my company after June 2017 to EPFO and now they are appearing in my PF passbook as credit in my account.
As I am retired now, I want to withdraw the balance amount. Is there any online tool to apply for this withdrawal?
Note: on EPFO site, my account is still showing as if I am not retired and just contributions have stopped. So if I try to apply online for balance amount withdrawal, I get PF advance withdrwal form which is not correct. I have used UMANG mobile app as well as EPFO site and results are same.
Please guide.
23rd February 2018 From India, Mumbai
Yes, you can withdraw your provident fund money but only as Advance" and you must give a reason for the same. There are three main reason which you can give.
1- Medical Reason.
2-Construction/Renovation of House.
3- Marriage of Self/Daughter/Son.
for this purpose, You need to apply by filling FORM-31 and submit it to your Regional PF Dept.
Suppose, you have 100 Rs in your PF account then you may get only 65 to 70 rs as advance and This will be given from your EPF not from EPS.
Thank You
23rd February 2018 From India, Delhi
There are chances that even after final settlement some amounts will get due. Now you have to apply again in form 19. It is always good in such cases to apply off line. Therefore, submit the form 19 through the employer
24th February 2018 From India, Kannur
Hello Friends, Plz guide me , due to some financial problems , I want to withdraw my PF amount, wheather I can withdraw or not, I'm still working in the same company, im not quiting that company, just i want to withdraw the PF. so plz any one guide me, regarding this, and which all the form i need .
30th March 2018 From India, Mumbai
this is very detailed link - you can get all your answers here
20th January 2019 From India, Delhi
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