Hello, employees at some point in time we face a financial problem even when we are working in the company.
What is EPF Form 31?
Eligibility required for claiming EPF Withdrawal
Reason for advance pf withdrawal |
Minimum Service  |
Purpose |
Maximum PF Share Withdrawable |
Education |
7 years |
Education for their children after 10th class.  |
50% of Employee PF Share only. |
Marriage |
7 years |
Own marriage, their children, brother or sister. Â |
50% of Employee PF Share only. |
Medical Emergency / Illness |
– |
For the employee’s medical treatment or his family members |
Employee’s 6 months’ basic salary +DA. Or Employees PF Contribution ((Basic + DA) * (6 months)) < Total employee’s EPF balance only)  |
Covid-19 Outbreak |
– |
If the employee or area is affected By epidemic or pandemic |
Employee’s 3 month’s basic salary + DA Or 75 % of EPF Balance (EE share, ER Share, and interest. |
Non-receipt of wages |
– |
Employees have not received a salary for more than 2 months continuously |
Employee share with Interest. |
Unemployment (No Job) |
– |
No job for a continuous period of not less than a month |
Maximum up to 75% of EPF balance (EE, ER share and interest). Â And remaining 25% EPF share can be withdrawn if no job is found even after two months. Â Â |
Purchase of house or construction of the house |
5 years |
The site is only owned by the employee or jointly with a spouse (husband or wife) |
36 month’s basic wages + DA OR Total EPF Balance (employee and an employer with interest) OR Total cost. Whichever is minimum |
Purchase of area or construction of a house |
5 years |
The site is only owned by the employee or jointly with a spouse (husband or wife) |
24 month’s basic pay + DA  OR Total EPF Balance (employee and an employer with interest) OR Total cost. Whichever is the minimum? |
House Renovation |
5 years |
The house should be registered under the employee’s name or jointly with the spouse (husband or wife) |
12 month’s basic wages and DA OR Employee Share with interest OR Cost Whichever is least |
Retirement |
After reaching 54 years of age and within the employee’s retirement period. |
Any Purpose whatsoever |
90% of EPF Balance (EE, ER Balance, and interest) |
Documents needed for claiming EPF Withdrawal Online
- You need only a scanned image copy of the Bank Passbook or Checkbook to upload to the EPFO Member website.
- The image uploaded should be clear and readable or else your online Form-31 may get rejected. So take extra caution while uploading the image to the EPFO Member website.
Points to remember for EPF Withdraw Online
- Universal Account Number i.e UAN should be activated.
- Aadhaar number must be linked with your active mobile number against UAN.Â
- Correct Bank Account No must be linked with UAN.
- KYC must be verified with UAN.
- The date of birth should be updated correctly in case of retirement in the EPF account.
How to apply for EPF Withdrawal Online (Form 31)
a) Login into Employee’s EPFO official website
- Click here to access Unified Member Portal
- Now Enter your Universal Account Number (UAN), Password, and Captcha code to sign in
- After success sign in and close the Alert window
b) Member Profile (KYC Verification)
- First, check whether your basic information like name, mobile no, etc provided is correct.
- Second, see to it that your aadhaar, pan, and bank account no are verified. If you see verified next to aadhaar in green colour then your KYC is successfully verified.
c) Online Services (CLAIM FORM-31)
- Click on the Online Services menu and select CLAIM(FORM-31, 19, 10C & 10D).
d) Bank Account No Verification
- Enter your full bank account no or the last 4 digits linked with your current working company’s UAN No.
- If the bank account no is ticked in green, next click on Proceed For Online Claim button.
- Agree and click on Yes to the terms and conditions.
e) EPF Withdrawal Online Step-by-Step (Form-31)
Step 1: Select the claim option as PF ADVANCE (FORM-31)
Step 2: Select the service as your Member ID of the current working company.
Step 3: Select the Purpose for which advance is required as Illness.
The partial EPF withdrawal limit for Illness purposes is calculated as follows:
- (Basic Pay + DA) * 6 months or
- Â (Total Employee Share PF Balance)Â Â <Â ((Basic Pay + DA)Â * 6 months))
To make it easy. let’s understand with the below example.
Employee A |
Employee B |
Total PF Balance (EE) =Â 50,000 Rs |
Total PF Balance (EE) =Â 1,00,000 Rs |
Basic Pay + DA = 10,000 Rs |
Basic Pay + DA = 10,000 Rs |
For 6 months: 10,000 * 6 = 60,000 Rs |
For 6 months: 10,000 * 6 = 60,000 Rs |
Eligible Partial EPFÂ Withdrawal: 50,000 Rs |
Eligible Partial EPF Withdrawal: 60,000 RS |
Because Employee’s Total EPF Share Amount is less than Basic Pay + DA of 6 months. (100% EE withdrawal) |
Because Employee’s Total EPF Share Amount is more than Basic Pay + DA of 6 months. (60% EE withdrawal) |
Note: This example is only for Illness purposes and any other purposes it may vary. Also, the final eligible partial epf withdrawal amount is only from Employee’s PF share (EE) and not from Employer’s PF share. (ER)
 Step 4: Enter the Amount of Advance (advance pf withdrawal)
- Enter the advance amount by looking at the above example (Employee A & Employee B)
- You can enter only Employee EPF share and according to the above calculation)
- In my case, I’ve entered 20,500 Rs which is lesser than my ((Basic + DA) * 6 months)
- Refer full address on your bank account passbook.
- Select you’re State, District, City, and 6-digit Pin Code.
Step 6: Upload Bank Pass Book or Cheque Book
- Click on choose file and upload your clear and visible scanned copy of the bank passbook or chequebook.
- Only scanned image copy in jpeg format is allowed of a minimum of 100 kb up to 500 kb in size.
- In case an unclear scanned image is uploaded, your advance pf claim may get rejected.
- If you have scanned bank passbook or chequebook in pdf format then convert it to.jpeg format by using the online website pdf2jpgÂ
Step 7: Aadhaar OTP Verification
- Click on the Get Aadhaar OTP button.
- Now, enter OTP received from your registered mobile number linked with your Aadhaar.
- Click the blue button to Validate OTP and Submit the Claim Form.
- Finally guys OTP is verified, EKYC updated, and EPF Withdrawal online Form 31 is submitted on Unified Portal.
f)Â Track Claim Status
- Click on Online Services -> TRACK CLAIM STATUS
- After submitting Online Form-31, you can check the online status of your advance epf withdrawal Form-31.
- You can also view your Form-31 form online by clicking on the VIEW PDF icon.
- Another option to check your claim status is to log in to EPFO PassBook -> Select Member Id -> View Claim Status.
How much time does PF Withdrawal take online?
- Normally, it would take 3 to 7 days to credit epf withdrawal amount to the bank account
- Your claim status will be seen as Settled as it’s a confirmation that your pf amount will soon be credited to the bank account.
Conclusion
- There is no maximum limit if you use illness as the purpose to make EPF Withdrawals Online.
- But don’t try frequently to do so, because you will miss the EPF interest rate which is credited to your EPF Balance and may be useful for future purposes.