EPF Withdrawal Online: Step-by-Step Under the New 2026 Rules

• UAN activated and you know the password. If you've forgotten it, see UAN password reset.
• Aadhaar linked and verified against your UAN, with the mobile number linked to Aadhaar working (you'll get an OTP).
• Bank account seeded in your UAN with the correct IFSC, in your own name.
• PAN linked. Without it, TDS on a taxable withdrawal is deducted at a higher rate.
• For a final settlement, your employer (or you, through the portal) must have marked your date of exit.

Check your balance and that every employer's contributions are showing first. See EPF balance check.

While you're still in service, you can make a partial withdrawal (an "advance") under three categories:

• Minimum service: 12 months for any partial withdrawal.
• Minimum balance: 25% of your eligible balance (employee share + employer share + interest) must stay in the account. On an eligible balance of ₹4,00,000, ₹1,00,000 stays and up to ₹3,00,000 can be withdrawn under the scheme's rules.

• Retirement (at 58, or retirement after 55): the full balance can be withdrawn.
• Unemployment: you can withdraw 75% of the PF balance straight away. The remaining 25%, and premature final settlement, become available after 12 months of continuous unemployment (it used to be 2 months).
• Pension (EPS) withdrawal on leaving service with less than 10 years of service: now after 36 months of unemployment.

Changing jobs? Don't withdraw. Transfer the old account to the new employer through the portal. You keep the interest compounding, keep your service continuous for the tax exemption, and avoid TDS.

1. Log in to the EPFO member portal with your UAN and password.
2. Check Manage → KYC shows Aadhaar, PAN and bank as verified.
3. Go to Online Services → Claim. Enter the last digits of your bank account to verify it.
4. Choose the claim type: partial withdrawal (advance), final PF settlement or pension withdrawal. Pick the purpose and the member ID (employer) it applies to.
5. Enter the amount and your address, and upload any document the portal asks for (for some purposes, a cheque leaf or passbook page).
6. Submit with the Aadhaar OTP. You'll get an acknowledgement.

Advance claims up to ₹5 lakh are eligible for automatic settlement, often within a few days. Others go to the EPFO office for checking. Follow progress with our guide to EPF claim status.

• Tax-free after 5 years of continuous service. Service with earlier employers counts if you transferred the account.
• Before 5 years: the employer's contribution and interest are taxable, and your own contribution is taxable to the extent you claimed a deduction for it. EPFO deducts TDS if the amount is ₹50,000 or more. Without PAN, the rate is higher.
• Withdrawals for some reasons, such as ill health or the employer's business closing, are exempt even before 5 years.
• Interest on your own contributions above ₹2.5 lakh a year (₹5 lakh where the employer doesn't contribute) is taxable each year, whether or not you withdraw.

A taxable withdrawal has to be reported in your return. Our EPF calculator shows what your balance would grow to if you leave it untouched. Employers who need help with monthly PF filing can use TaxQue's PF return filing service.