PF Withdrawal Online – Second Covid-19

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PF Withdrawal Online - Second Covid-19
PF Withdrawal Online – Second Covid-19

In view of the second wave of corona virus, the EPFO allowed its pf members to withdraw second non-refundable covid-19 in advance. This move was taken by the EPFO understanding the emergency and to support the financial needs of the pf members.

The special provision for first covid-19 pf withdrawal in advance was first introduced under the Pradhan Mantri Garib Kalyan Yojana (PMGKY) by the Government of India in March 2020. The purpose of this provision is to withdraw pf money in advance and to meet the financial needs.

Under this provision, pf members can withdraw either 3 months Basic salary plus DA or 75% of members total pf balance (employee share + employer share) whichever is lesser.

The same provision has been extended for the pf members in the year 2021 as well amid the second wave of the coronavirus which was initiated earlier in 2020.

The pf members who have already taken first covid-19 pf in advance can now withdrawal their second non-refundable covid-19 pf in advance.

The second covid-19 advance pf withdrawal process would remain the same as that of the first covid-19 pf advance.

Pre Condition for Covid-19 Advance PF Withdrawal

You will be eligible for either one of the options listed below.
  • The employees can withdraw 75% of their total pf balance which includes both employee share and employer share.
  • The employees can withdraw 3 months of their basic salary plus da from PF balance.
So, whichever is lesser either one of the above options. You will be eligible to take pf advance withdrawal with that pf amount.

Example to calculate maximum claim amount during covid-19 advance pf withdrawal

Let us take an example of an employee called Rajith who wants to apply for covid-19 pf withdrawal in advance.
Case 1: 75% of total pf balance is more than 3 months basic salary + da

Employee Name

Rajith

Total Employee Balance

60,000

Total Employer Balance

40,000

Total Balance (as on date)

1,00,000

Basic Salary + DA * 3 months

(15,000 +0) * 3 = 45,000

75% of Total Balance

75% * 1,00,000 = 75,000

PF Withdrawable Amount

45,000 (lesser)

Remarks

Since 3 months basic salary + da is lesser than 75% of the total balance. The same amount can be eligible for withdrawal in advance.

 

Case 2: 75% of total pf balance is less than 3 months basic salary + da

Employee Name

Rajith

Total Employee Balance

15,000

Total Employer Balance

10,000

Total Balance (as on date)

25,000

Basic Salary + DA * 3 months

(15,000 +0) * 3 = 45,000

75% of Total Balance

75% * 25,000 = 18,750

PF Withdrawable Amount

18,750 (lesser)

Remarks

Since 75% of the total balance is lesser than 3 months basic salary + da. The same amount can be eligible for withdrawal in advance.

PF Withdrawal Second Covid-19 Online Process

Step 1: Sign in EPF Unified Member Portal with UAN, Password, and Captcha code (autogenerated)
 
Sign in Unified Member Portal
Sign in Unified Member Portal

Step 2: Close the Alert Message and under Online Services click on Claim (Form-31, 19, 10C&10D)

 
Under Online Services select claim (Form -31, 19, 10C&10D)
Under Online Services select claim (Form -31, 19, 10C&10D)

 

Step 3: Enter your bank account number linked with your UAN and click on Verify button for verification.
 
Type bank account no and click on verify
Type bank account no and click on verify

Step 4: Now click on Yes to the Certificate of Undertaking

 
Click on yes to the certificate of undertaking
Click on yes to the certificate of undertaking

Step 5: After the bank verification, click on Proceed For Online Claim button

Bank account no verified and now click proceed for online claim
Bank account no verified and now click proceed for online claim
Note:
  • Before proceeding to Step 6 check your PF Balance to make sure that you enter the correct claim amount for advance pf withdrawal with the purpose of covid-19.
Step 6: Select PF Advance (Form-31) from the field I want to apply for.
Step 7: Select the Service of your present company where your PF balance is accumulated.
Step 8: Now select the purpose for which advance is required which is an Outbreak of Pandemic (Covid-19)
 
Step 9: Enter the amount of advance required (in Rs.) for partial withdrawal
 
Select pf advance form-31, service purpose - outbreak of pandemic covid-19, and amount of advance
Select pf advance form-31, service purpose – outbreak of pandemic covid-19, and amount of advance

Step 10: Now enter the full Employee Address consisting of Locality, Street, State, District, City and Pin Code.

Step 11: Upload a Scanned copy of the cheque or passbook
 
Rules for uploading scanned cheque or passbook
  1. The scanned image should be either in jpg or jpeg format. Also, the image size should be at least 100 KB and shouldn’t be more than 500 KB.
  2. Bank Account Number, IFSC code and Name should be clearly visible on cheque or passbook.
  3. The uploaded scanned image contents must be easy to read.
  4. If the uploaded scanned image is not easily readable, then there is a high chance of your claim been rejected. So, click on the View button to see whether your scanned image is easy to read or not.
Step 12: Tick on the checkbox and click on Get Aaadhar OTP to receive OTP on your mobile no registered with aadhaar.
 
Enter employee address, Upload scanned passbook, tick box and click on get aadhaar otp
Enter employee address, upload scanned passbook/cheque book, tick box and click on get aadhaar otp

Step 13: Now enter the 6 digits OTP sent to your mobile number. Finally, click on the Validate OTP and Submit Claim Form button.

 
Enter otp, click validate otp and submit the claim form button
Enter otp, click validate otp and submit the claim form button

 

Step 14: After OTP has been verified PF Advance Claim form-31 for an outbreak of pandemic (covid-19) is submitted successfully on Unified Portal

 
Claim form-31 submitted successfully on the unified portal
Claim form-31 submitted successfully on the unified portal

After submitting the online claim form-31 on the unified portal, the most important thing that we can do is to track the claim status of our online claim form.

PF Withdrawal Online Form-31 Claim Status

Here is how we can check our claim status of online form-31.
Step 1: Login Unified Member Portal with UAN, Password, Captcha code
Step 2: Close the Alert message and under Online Services click on Track Claim Status
Step 3: After submitting the online claim form-31 at the portal, the current claim status will be shown as “Online Claim Submitted at Portal”
Claim form-31 track claim status is an online claim submitted at the portal
Claim form-31 track claim status is an online claim submitted at the portal

Step 4: The next claim status can be seen as “Under Process” showing your online claim force request is sent to the EPF field office.

Since auto mode claim settlement was deployed by the EPFO in keeping top priority for the claims settled under covid-19. This will reduce the delay in claim settlement.
 
Claim form-31 track claim status is sent to the field office with under process
Claim form-31 track claim status is sent to the field office with under process


 Step 5: The last and the final claim status can be seen as “Claim Settled”

Due to the auto mode of settlement option deployed by EPFO considering covid-19 claim settlement as on top priority, claim settlement can be reduced within 20 days to just 3 working days
Once the status is changed to “claim settled”, You will soon receive an SMS stating that the claim amount will be credited to the bank account within 3 working days.
 
Claim form-31 track claim status is sent to the field office with claim settled
Claim form-31 track claim status is sent to the field office with claim settled
You can also log in to EPF Member Passbook  and check your claim status

My PF Withdrawal (Covid-19)

As an author, it’s easy to write an article on pf withdrawal online and recommend procedures to follow on pf withdrawal online. But I believe in doing it practically from my end and sharing the steps so you can follow them to claim your advance withdrawal amount.
Let me share my experience on pf withdrawal by following the same procedures as mentioned in this post.

I had submitted the advance pf withdrawal online form-31 at the unified portal on July 15, 10:08 PM by selecting the purpose as “outbreak of pandemic (covid-19)”.

Later on July 16, 04:37 PM, the online form-19 is sent to the epfo field office showing claim status as “under process”.

Due to auto mode settlement option is deployed by the EPFO considering high priority on covid-19 pf claim settlement. This will reduce in delay on covid-19 claim settlement. Hence it will take a maximum of 3 working days to credit the partial withdrawal claim amount to the bank account.

In my case, claim settled status was shown on  July 16, 04:37 PM and on July 17, 7:11 AM I received an SMS stating that my claim amount will be credited within 3 working days.

Finally, the SMS was received stating that the claim amount was credited to the bank. This happened on the same day i.e July 17, 5:21 PM.

It took me just 2 days to receive my claim amount to my bank account.

FAQ’s Related to PF Withdrawal Form-31 (Covid-19)

Q1. What is the common reason for claim rejection for pf withdrawal online?

A. The employee’s sometimes very carefully and correctly fill their online form-31. But while uploading a scanned image they don’t see whether the scanned image is easily readable or not. Hence this may be the common reason for claim rejection for pf withdrawal online.

So, before submitting online form-31 always click on the View button to view whether the scanned image is clear or not.

Q2. How many times covid-19 advance pf withdrawal can be claimed?
 
A. The maximum covid-19 advance pf withdrawal can be claimed twice. The first covid-19 advance pf withdrawal provision was introduced by the central government in March 2020. Later considering the second wave of coronavirus prevailing in India. The EPFO has extended the provision allowing the pf members to take their second covid-19  non-refundable pf withdrawal in advance.
Q3. Are first covid-19 advance and second covid-19 advance pf withdrawal rules are same?
 
A. Yes. The same provision of covid-19 advance pf withdrawal is extended to the second covid-19 pf withdrawal in advance. Under the provision, pf members can withdraw 3 months basic salary plus DA or 75% of member’s credited total pf balance whichever is lesser.
Q4. Can I withdraw my pension amount with covid-19 advance pf withdrawal?
 
A. No. As per the provision introduced by the Ministry of Finance under Pradhan Mantri Garib Kalyan Yojana (PMGKY). It is clearly stated that only 75% of pf balance with the employee and employer share or 3 months basic salary plus da whichever is less can be withdrawn in advance.
Q5. What documents are uploaded for online covid-19 advance pf withdrawal?
 
A. Only a scanned bank passbook or cheque is required. The scanned uploaded image must be in jpg or jpeg format with a minimum size of 100 KB and should not exceed 500 KB. The Bank account no, IFSC and Name must be readable.
Q6. How many days are required to receive advance pf withdrawal amount?
 
A. Since the auto mode system is implemented by the EPFO, especially for covid-19 advance withdrawal. It will normally take a maximum of 3 days to process the covid-19 advance pf withdrawal. The minimum you can expect the advance withdrawal amount to be credited in your bank account is from 1 to 2 working days.
 
Q7. How to check the claim status of covid-19 advance pf withdrawal?

A. You can check the claim status either by login EPF Unified Member Portal or from EPF Member Passbook.

To check claim status in the unified member portal, sign in to the unified member portal and under Online Services, click on Track Claim Status.

To check claim status in member passbook, log in to member passbook and select your pf member id and click on View Claim Status.

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