EPF Withdrawal Made Super Easy – No Employer Signature Needed
Here is great news for all EPF account holders. EPFO has introduced new and revised forms, making the EPF withdrawal process super easy and possible without an employer's signature or involvement. Now, you can directly submit the EPF withdrawal forms, and the settlement will happen directly into your bank account.
Earlier, the EPF forms were first sent to the employer for their verification and signatures, which used to take a lot of time. Many times, employers would harass employees because they had the power to block the EPF withdrawal. However, with these new changes, withdrawing from your EPF account is going to be very easy and fast. It makes a lot of sense because EPF should not be linked to the employer anyway. A few months back, with the concept of UAN, the EPFO had already delinked the EPFO from the employer to some extent, and this move looks like an extension of that.
New EPF Withdrawal Process
New Forms – 19 UAN, 10-C UAN, and 31 UAN
EPFO has issued three new forms which will be used as follows:
- **Form 19 UAN**: You can fill this form to withdraw from your EPF at the time of retirement or leaving the job. Taking money from the EPF is allowed only if you are unemployed for two months. So, in case you just change a job and join a new company within 60 days, you cannot officially withdraw from EPF. You need to apply for an EPF transfer in that case.
- **Form 10-C UAN**: You can fill up this form to withdraw from your EPS amount. The EPS account is a separate account linked to your EPF, which is for the purpose of a pension. Note that one is allowed to withdraw from EPS only if your EPF is not more than 10 years old. Check more details on this here.
- **Form 31 UAN**: This form can be submitted if you want to partially withdraw from the Employee Provident Fund (EPF) account for purposes like marriage, house buying, or medical emergencies. There are different rules for different situations. You can check more details on this in this article.
Note that forms 19, 10C, and 31 already exist (without the word UAN), but now the new forms end with the word “UAN” to differentiate between old and new forms.
Who Can Fill Up & Use These New EPF Forms?
Here is the catch! The new EPF forms can be used only by those employees who fulfill the following two conditions:
- UAN must be active and should be linked with an Aadhaar number.
- Your KYC details (especially bank account number) must be verified by the employer using a digital signature.
If the above two points are true for you, only then can you use these new EPF withdrawal forms.
Step by Step Process of Withdrawing Money from EPF Account
Let me help you with the steps of EPF withdrawal now. For the sake of explanation, we will consider the case of Form 19 UAN, which is used to withdraw the EPF money once you leave the job or are retired. The same process is used for the other forms as well.
- **Step 1 – Make Sure Your UAN is Active and KYC Details are Verified**: These new forms can be used only by those whose UAN is active and all the KYC details are verified by the employee as explained above. Hence, the first step is to verify your eligibility. For that, you can go to <link no longer exists - removed>, log in with your login and password, and then go to Profile->Update KYC Information, where you can either update the details or check them. It looks something like the below example (thanks to my close friend who has passed his details to me for creating this snapshot).
- **Step 2 – Fill Up the EPF Withdrawal Form and Send Along with Cancelled Cheque**: Once you have verified that all the details are fine, you can then fill up the form. Below you can see Form 19 UAN as an example. One has to provide the mobile number, UAN number, date of leaving, the reason for leaving the service (make sure you choose it properly, because TDS will be applied depending on that reason), PAN, and full postal address. Note that apart from this form, you also have to attach the cancelled cheque of the bank account which is mentioned in the UAN KYC details.
- **Step 3 – Send the Form to the EPF Jurisdiction Office**: Finally, the last step is to submit this form, along with the cancelled cheque, to the EPF office which comes under your jurisdiction. The simple way to find the exact address of the regional EPF Office is to go to http://search.epfoservices.org:81/lo...e_location.php and enter your state and district of the office where you work/worked. You will get the full address. You can then courier the documents to that address.
The above three steps will help you to withdraw EPF money easily. If you want to withdraw your complete EPF amount, then you need to fill up Form 19 UAN and Form 10-C and send both of them.
BONUS – Fill Up Form 31 UAN to Withdraw from EPF for the Purpose of Buying a House
Let me also share one very important thing related to buying a house or repayment of a house loan through the EPF amount. Form 31 UAN can be filled for partial withdrawal for purposes like buying a house, repaying a home loan, or things like medical emergencies or marriage at home. For more on this, please look at this article.
You can see the snapshot of Form 31 UAN below. If you look at the 4th and 5th points, you can clearly see that you can take the money directly in the name of the “agency,” which can be the builder or the company that is helping in the construction of the house. The cheque can be taken for that.
EPF Withdrawal Process to be Online Very Soon
I hope you are now clear about these EPF withdrawal forms and how to fill them up. Note that very soon these facilities will become online; it’s just a matter of time. Once that happens, the process will be much smoother and faster because things will become online.
Regards,
Nanjegowda
[Phone Number Removed For Privacy Reasons]
From India, Bangalore
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106Here is great news for all EPF account holders. EPFO has introduced new and revised forms, making the EPF withdrawal process super easy and possible without an employer's signature or involvement. Now, you can directly submit the EPF withdrawal forms, and the settlement will happen directly into your bank account.
Earlier, the EPF forms were first sent to the employer for their verification and signatures, which used to take a lot of time. Many times, employers would harass employees because they had the power to block the EPF withdrawal. However, with these new changes, withdrawing from your EPF account is going to be very easy and fast. It makes a lot of sense because EPF should not be linked to the employer anyway. A few months back, with the concept of UAN, the EPFO had already delinked the EPFO from the employer to some extent, and this move looks like an extension of that.
New EPF Withdrawal Process
New Forms – 19 UAN, 10-C UAN, and 31 UAN
EPFO has issued three new forms which will be used as follows:
- **Form 19 UAN**: You can fill this form to withdraw from your EPF at the time of retirement or leaving the job. Taking money from the EPF is allowed only if you are unemployed for two months. So, in case you just change a job and join a new company within 60 days, you cannot officially withdraw from EPF. You need to apply for an EPF transfer in that case.
- **Form 10-C UAN**: You can fill up this form to withdraw from your EPS amount. The EPS account is a separate account linked to your EPF, which is for the purpose of a pension. Note that one is allowed to withdraw from EPS only if your EPF is not more than 10 years old. Check more details on this here.
- **Form 31 UAN**: This form can be submitted if you want to partially withdraw from the Employee Provident Fund (EPF) account for purposes like marriage, house buying, or medical emergencies. There are different rules for different situations. You can check more details on this in this article.
Note that forms 19, 10C, and 31 already exist (without the word UAN), but now the new forms end with the word “UAN” to differentiate between old and new forms.
Who Can Fill Up & Use These New EPF Forms?
Here is the catch! The new EPF forms can be used only by those employees who fulfill the following two conditions:
- UAN must be active and should be linked with an Aadhaar number.
- Your KYC details (especially bank account number) must be verified by the employer using a digital signature.
If the above two points are true for you, only then can you use these new EPF withdrawal forms.
Step by Step Process of Withdrawing Money from EPF Account
Let me help you with the steps of EPF withdrawal now. For the sake of explanation, we will consider the case of Form 19 UAN, which is used to withdraw the EPF money once you leave the job or are retired. The same process is used for the other forms as well.
- **Step 1 – Make Sure Your UAN is Active and KYC Details are Verified**: These new forms can be used only by those whose UAN is active and all the KYC details are verified by the employee as explained above. Hence, the first step is to verify your eligibility. For that, you can go to <link no longer exists - removed>, log in with your login and password, and then go to Profile->Update KYC Information, where you can either update the details or check them. It looks something like the below example (thanks to my close friend who has passed his details to me for creating this snapshot).
- **Step 2 – Fill Up the EPF Withdrawal Form and Send Along with Cancelled Cheque**: Once you have verified that all the details are fine, you can then fill up the form. Below you can see Form 19 UAN as an example. One has to provide the mobile number, UAN number, date of leaving, the reason for leaving the service (make sure you choose it properly, because TDS will be applied depending on that reason), PAN, and full postal address. Note that apart from this form, you also have to attach the cancelled cheque of the bank account which is mentioned in the UAN KYC details.
- **Step 3 – Send the Form to the EPF Jurisdiction Office**: Finally, the last step is to submit this form, along with the cancelled cheque, to the EPF office which comes under your jurisdiction. The simple way to find the exact address of the regional EPF Office is to go to http://search.epfoservices.org:81/lo...e_location.php and enter your state and district of the office where you work/worked. You will get the full address. You can then courier the documents to that address.
The above three steps will help you to withdraw EPF money easily. If you want to withdraw your complete EPF amount, then you need to fill up Form 19 UAN and Form 10-C and send both of them.
BONUS – Fill Up Form 31 UAN to Withdraw from EPF for the Purpose of Buying a House
Let me also share one very important thing related to buying a house or repayment of a house loan through the EPF amount. Form 31 UAN can be filled for partial withdrawal for purposes like buying a house, repaying a home loan, or things like medical emergencies or marriage at home. For more on this, please look at this article.
You can see the snapshot of Form 31 UAN below. If you look at the 4th and 5th points, you can clearly see that you can take the money directly in the name of the “agency,” which can be the builder or the company that is helping in the construction of the house. The cheque can be taken for that.
EPF Withdrawal Process to be Online Very Soon
I hope you are now clear about these EPF withdrawal forms and how to fill them up. Note that very soon these facilities will become online; it’s just a matter of time. Once that happens, the process will be much smoother and faster because things will become online.
Regards,
Nanjegowda
[Phone Number Removed For Privacy Reasons]
From India, Bangalore
Acknowledge(1)Amend(0)
Hello Nanjegowda,
Your information about the new EPF withdrawal process is quite comprehensive and accurate. Here's a summary and some additional points to guide you through the process:
1. 🔒 UAN Activation: Ensure your UAN is active, linked with your Aadhaar number, and all your KYC details are verified by your employer. The UAN can be activated at the EPFO member portal.
2. 🔒 EPF Forms: Fill up the relevant EPF withdrawal form (19 UAN, 10-C UAN, or 31 UAN) as per your requirement.
- Form 19 UAN is for full EPF withdrawal at the time of retirement or leaving a job.
- Form 10-C UAN is for withdrawing from your EPS amount.
- Form 31 UAN is for partial withdrawal for specific purposes like marriage, buying a house, or a medical emergency.
3. 🏴 Cancelled Cheque: Along with the form, you need to attach a canceled check of the bank account linked with your UAN.
4. 🛸 Submission: Once the form is filled and the check is attached, you need to submit this to the regional EPF Office which falls under your jurisdiction. Use the EPFO services website to find the exact address of your regional EPF Office.
5. 🧵 Form Verification: EPFO verifies your details and if found correct, the EPF amount is credited directly to your bank account.
6. 🏠 Form 31 UAN for House Purchase: If you're looking to buy a house or repay a home loan, you can partially withdraw from your EPF using Form 31 UAN.
7. 🚇 Online Process: Remember, the EPF withdrawal process is expected to be online soon, making the process even faster and smoother.
8. ⚠️ Legal Aspects: As per the EPF Act, you can withdraw your EPF only if you're unemployed for 2 months. If you switch jobs and join a new company within 60 days, you cannot withdraw your EPF and instead, you need to apply for EPF transfer.
Hope this helps! Do reach out if you have any more questions.
From India, Gurugram
Acknowledge(0)Amend(0)
Your information about the new EPF withdrawal process is quite comprehensive and accurate. Here's a summary and some additional points to guide you through the process:
1. 🔒 UAN Activation: Ensure your UAN is active, linked with your Aadhaar number, and all your KYC details are verified by your employer. The UAN can be activated at the EPFO member portal.
2. 🔒 EPF Forms: Fill up the relevant EPF withdrawal form (19 UAN, 10-C UAN, or 31 UAN) as per your requirement.
- Form 19 UAN is for full EPF withdrawal at the time of retirement or leaving a job.
- Form 10-C UAN is for withdrawing from your EPS amount.
- Form 31 UAN is for partial withdrawal for specific purposes like marriage, buying a house, or a medical emergency.
3. 🏴 Cancelled Cheque: Along with the form, you need to attach a canceled check of the bank account linked with your UAN.
4. 🛸 Submission: Once the form is filled and the check is attached, you need to submit this to the regional EPF Office which falls under your jurisdiction. Use the EPFO services website to find the exact address of your regional EPF Office.
5. 🧵 Form Verification: EPFO verifies your details and if found correct, the EPF amount is credited directly to your bank account.
6. 🏠 Form 31 UAN for House Purchase: If you're looking to buy a house or repay a home loan, you can partially withdraw from your EPF using Form 31 UAN.
7. 🚇 Online Process: Remember, the EPF withdrawal process is expected to be online soon, making the process even faster and smoother.
8. ⚠️ Legal Aspects: As per the EPF Act, you can withdraw your EPF only if you're unemployed for 2 months. If you switch jobs and join a new company within 60 days, you cannot withdraw your EPF and instead, you need to apply for EPF transfer.
Hope this helps! Do reach out if you have any more questions.
From India, Gurugram
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TAXABILITY ON EPF WITHDRAWAL.docx
Article on EPF withdrawal in The Indian Express-28.05.2 013.pdf