EPF Withdrawal Rules & Forms
Complete guide on how to withdraw your PF money for medical needs, house construction, or after leaving service.
Common Withdrawal Forms
Full Settlement
Form 19
Used for final settlement of the PF account balance after leaving a job and remaining unemployed for 2 months.
Requirement: Service exit date must be updated.
Pension Withdrawal
Form 10C
Used to withdraw the EPS (pension) amount or to get a 'Scheme Certificate' for future pension benefits.
Note: Applicable if service is less than 10 years.
Partial Withdrawal
Form 31 (Advance)
Used to take a partial advance from your PF balance for specific needs while still in service.
Examples: Medical, Illness, Marriage, Home Loan.
Rules for Partial Withdrawal (Advance)
| Purpose | Service Requirement | Max Amount |
|---|---|---|
| Medical Emergency | No minimum service | 6 months' basic salary or total share (whichever is less) |
| Marriage (Self/Children) | 7 years | 50% of employee's share |
| House Purchase/Construction | 5 years | Up to 90% of total balance |
| Unemployment (COVID-19) | No minimum service | 3 months' basic salary or 75% of balance |