new Form 121 has replaced Forms 15G and 15H<\/a> for tax declaration on PF withdrawals.<\/p>\n
\nWho Can Withdraw PF Online? Eligibility Checklist\u00a0
<\/p>\n
Before applying, confirm you meet the following conditions:<\/p>\n
\nFor Full PF Withdrawal:
\n
\nYou have retired at age 58
\nYou have been unemployed for 2 consecutive months
\nYou are permanently going abroad
\nYou are a female employee retiring due to marriage
\n
\nFor Partial PF Withdrawal:
\n
\nMedical emergency – anytime, no service minimum
\nMarriage – after 7 years of service (up to 50% of employee’s share)
\nEducation – after 7 years of service (up to 50% of employee’s share)
\nHome purchase\/construction – after 5 years of service
\nHome loan repayment – after 10 years of service
\nUnemployment (75% withdrawal) – after 1 month of job loss
\nPre-retirement partial withdrawal – after attaining 54 years of age
\n
\nFor EPFO 3.0 UPI\/ATM withdrawals specifically:
\n
\nUAN must be active
\nAadhaar must be seeded to UAN
\nPAN must be linked
\nBank account must be updated and verified
\nMobile number linked to Aadhaar must be active (for OTP)
\n
\nPre-Requisites Before You Apply\u00a0
<\/p>\n
Experts consistently advise that most PF claim rejections happen due to KYC mismatches , not because of eligibility issues. Ensure the following before you begin:<\/p>\n
\nKYC Documents to Link with UAN
\n
\nAadhaar Card – Must be seeded to your UAN. The mobile number registered with Aadhaar must be active for OTP authentication.
\nPAN Card – Must be linked to avoid a 30% TDS deduction on early withdrawals.
\nBank Account – Account number and IFSC code must be correctly updated in EPFO records.
\n
\nService History to Check
\n
\nDate of Exit – Must be updated under the Service History section. Without it, Forms 19 and 10C cannot be submitted.
\nNo Overlapping Service Dates – Ensure there are no overlapping dates between two different employers in your service history.
\nUAN Activation – Your UAN must be activated on the EPFO portal.
\n
<\/p>\n
\u00a0<\/p>\n
\nApps & Portals You’ll Need
\n
\nEPFO Unified Member Portal: epfindia.gov.in
\nUMANG App (for mobile-based access and Aadhaar face authentication)
\n
\nTypes of PF Withdrawal in 2026\u00a0
\nFull PF Withdrawal (Form 19 + Form 10C)
<\/p>\n
Allowed when:<\/p>\n
\n
\nRetirement at or after age 58
\nTwo or more months of unemployment
\nPermanent migration abroad
\nMarriage (for women members)
\n
<\/p>\n
Both the EPF corpus (Form 19) and EPS pension amount (Form 10C) can be claimed together.<\/p>\n
\nPartial\/Advance PF Withdrawal (Form 31)
<\/p>\n
Under EPFO 3.0’s 3 simplified categories:<\/p>\n
<\/p>\n
\n
\n
\nCategory
\nPurpose
\nWhen
\nLimit
\n
\n
\nEmergency
\nMedical, marriage, education
\nAnytime (medical); 7 yrs service (others)
\nUp to 50% of employee’s share
\n
\n
\nLife Milestone
\nHousing, home loan
\n5-10 years of service
\nUp to 90% of balance
\n
\n
\nUnemployment
\nJob loss
\nAfter 1 month unemployed
\n75% of total balance
\n
\n
<\/p>\n
\nUPI\/ATM Instant Withdrawal (New Under EPFO 3.0)
<\/p>\n
Withdraw up to 50% of the eligible advance amount instantly via UPI apps or EPFO ATM card. This is in addition to regular claims.<\/p>\n
\nHow to Withdraw PF Online in 2026 – Step-by-Step\u00a0
\n8 Easy Steps to File PF Withdrawal Online
<\/p>\n
Step 1: Log in to the UAN Member Portal Visit epfindia.gov.in \u2192 Click on “Member UAN\/Online Services” \u2192 Log in with your UAN and password.<\/p>\n
<\/p>\n
Step 2: Verify KYC Status Go to Manage \u2192 KYC \u2192 Confirm that Aadhaar, PAN, and bank account are linked and show “Digitally Approved” status.<\/p>\n
<\/p>\n
Step 3: Go to Online Claims Click on Online Services \u2192 Claim (Form 31, 19, 10C & 10D).<\/p>\n
<\/p>\n
Step 4: Verify Your Bank Account Enter the last 4 digits of your bank account number to verify. Click “Proceed for Online Claim.”<\/p>\n
<\/p>\n
Step 5: Select the Type of Claim From the dropdown menu, choose the appropriate claim type:<\/p>\n
\n
\nForm 19 – Full PF settlement
\nForm 10C – EPS\/Pension withdrawal
\nForm 31 – Partial advance\/emergency withdrawal
\nForm 10D – Monthly pension
\n
<\/p>\n
Step 6: Fill in Required Details Provide reason for withdrawal, address, and choose the payment method (bank transfer or UPI under EPFO 3.0).<\/p>\n
<\/p>\n
Step 7: Upload Form 121 (if applicable) If your service is below 5 years and withdrawal exceeds \u20b950,000, upload Form 121 (new replacement for Form 15G\/15H effective April 2026) to avoid TDS deduction.<\/p>\n
<\/p>\n
Step 8: Submit & Track Click “Get Aadhaar OTP” for Aadhaar-based e-sign \u2192 Enter OTP \u2192 Click “Submit Claim.”<\/p>\n
<\/p>\n
You will receive an SMS confirmation. Use “Track Claim Status” on the portal, UMANG app, or give a missed call to 011-22901406 to check status.<\/p>\n
<\/p>\n
Processing time: Auto-settled claims (up to \u20b95 lakh) are typically credited within a few hours to 3 business days . Claims above \u20b95 lakh may take 7-10 working days.<\/p>\n
\nHow to Withdraw PF via UPI Under EPFO 3.0\u00a0
<\/p>\n
UPI-based withdrawal is the most exciting new feature under EPFO 3.0. Here’s how it works once the feature is live on your account:<\/p>\n
\n
\nLog in to the EPFO member portal or UPI-enabled app
\nView your eligible withdrawable balance on the dashboard
\nSelect “Withdraw via UPI”
\nEnter your UPI ID (or scan the QR code generated by the portal)
\nAuthenticate via Aadhaar OTP or face authentication
\nFunds are credited directly to your linked bank account instantly
\n
<\/p>\n
UPI Withdrawal Limits:<\/p>\n
\n
\nUp to 75% of your EPF balance via UPI
\nAt least\u00a0 25% must remain in the account at all times during service
\nBuilt with\u00a0 NPCI (National Payments Corporation of India) with support across all major UPI apps
\n
<\/p>\n
Important: UPI withdrawal is integrated with Aadhaar OTP-based authentication. Ensure your Aadhaar-registered mobile number is active.<\/p>\n
\nHow to Withdraw PF via ATM Card Under EPFO 3.0\u00a0
<\/p>\n
EPFO will issue a dedicated PF withdrawal card – similar to a bank debit card – linked to your PF account.<\/p>\n
\nHow ATM-Based PF Withdrawal Works:
\n
\nReceive your EPFO-issued ATM card (linked to your UAN\/PF account)
\nVisit any EPFO-enabled ATM
\nSelect the “PF Withdrawal” option from the ATM menu
\nEnter your UAN and desired withdrawal amount
\nAuthenticate via OTP or PIN
\nFunds are dispensed or credited to your linked bank account
\n
\nATM Withdrawal Limit:
<\/p>\n
Up to 50% of your eligible PF balance via ATM card<\/p>\n
<\/p>\n
Status: EPFO ATM cards are being rolled out in phases through mid-2026. Check the EPFO portal or UMANG app for availability in your account.<\/p>\n
\nPF Withdrawal Limits in 2026\u00a0
<\/p>\n
\n
\n
\nScenario
\nMaximum Withdrawal
\n
\n
\nRetirement (age 58)
\n100% – full balance
\n
\n
\nUnemployment (after 1 month)
\n75% of total balance
\n
\n
\nUnemployment (after 2 months)
\n100% of total balance
\n
\n
\nMedical emergency
\n6 months’ basic salary or employee’s share, whichever is lower
\n
\n
\nMarriage \/ Education
\n50% of employee’s share (up to 3 times for marriage, up to 10 times for education during service)
\n
\n
\nHome purchase\/construction
\nUp to 90% of total balance
\n
\n
\nHome loan repayment
\n90% of total balance
\n
\n
\nUPI-based withdrawal
\n75% of total EPF balance
\n
\n
\nATM card withdrawal
\n50% of eligible advance amount
\n
\n
\nAuto-settlement (no manual check)
\nUp to \u20b95 lakh
\n
\n
<\/p>\n
<\/p>\n
Universal Rule: A minimum of 25% of your total PF balance must remain in your account at all times during active service. This is designed to protect your retirement corpus.<\/p>\n
\nTax Rules on PF Withdrawal 2026 – Form 121 Explained\u00a0
\nWhen Is PF Withdrawal Tax-Free?
\n
\nPF withdrawal made after 5 years of continuous service is completely tax-free
\nContributions + interest = exempt from income tax
\n
\nWhen Is TDS Deducted?
\n
\nWithdrawal before 5 years of service AND amount exceeds \u20b950,000
\nTDS rate: 10% (if PAN is linked)
\nTDS rate: 30% (if PAN is NOT linked – avoid this!)
\n
\nWhat Is Form 121 in 2026?
<\/p>\n
Effective April 1, 2026 , the government introduced Form 121 under the new Income Tax Act, which replaces the earlier Forms 15G and 15H . Members below 60 years with income below the taxable threshold can submit Form 121 online while filing their PF claim to declare zero tax liability and avoid TDS deduction.<\/p>\n
<\/p>\n
How to submit Form 121: Upload it directly on the EPFO online claims portal in Step 7 of the withdrawal process (see above).<\/p>\n
\nHow to Track Your PF Claim Status Online
<\/p>\n
After submitting your claim, you can track the status through multiple channels:<\/p>\n
<\/p>\n
\n
\n
\nMethod
\nHow to Use
\n
\n
\nEPFO Portal
\nepfindia.gov.in \u2192 Online Services \u2192 Track Claim Status
\n
\n
\nUMANG App
\nLogin \u2192 EPFO \u2192 Track Claim
\n
\n
\nSMS
\nSend “EPFOHO UAN ENG” to 7738299899
\n
\n
\nMissed Call
\nDial 011-22901406 from your registered mobile
\n
\n
\nWhatsApp
\nSend UAN to +91-9966736398
\n
\n
<\/p>\n
\nCommon Reasons for PF Withdrawal Rejection & How to Avoid Them\u00a0
<\/p>\n
\n
\n
\nReason
\n\u00a0Fix
\n
\n
\nAadhaar details mismatch
\nEnsure name, DOB, and gender on EPFO portal exactly match Aadhaar
\n
\n
\nPAN not linked
\nLink PAN via EPFO portal under Manage \u2192 KYC
\n
\n
\nBank account details incorrect
\nUpdate and re-verify bank account under KYC section
\n
\n
\nDate of Exit not updated
\nUpdate under Service History before applying
\n
\n
\nOverlapping service dates
\nContact EPFO helpdesk (1800-118-005) to resolve
\n
\n
\nUAN not activated
\nActivate UAN at epfindia.gov.in using registered mobile
\n
\n
\nMobile number not linked to Aadhaar
\nUpdate mobile at Aadhaar Seva Kendra or online at myaadhaar.uidai.gov.in
\n
\n
<\/p>\n
\nQuick Reference – Important EPFO Links & Numbers
<\/p>\n
\n
\n
\nResource
\nDetails
\n
\n
\nEPFO Member Portal
\nepfindia.gov.in
\n
\n
\nUAN Activation \/ KYC
\nunifiedportal-mem.epfindia.gov.in
\n
\n
\nHelpline
\n1800-118-005 (toll-free)
\n
\n
\nSMS Balance Check
\n“EPFOHO UAN ENG” \u2192 7738299899
\n
\n
\nMissed Call Balance
\n011-22901406
\n
\n
\nWhatsApp
\n+91-9966736398
\n
\n
\nGrievance Portal
\nepfigms.gov.in
\n
\n
\nUMANG App
\nAvailable on Google Play & App Store
\n
\n
\nAadhaar Update
\nmyaadhaar.uidai.gov.in
\n
\n
<\/p>\n
\nFAQs
<\/p>\n
Can I withdraw my entire PF balance online in 2026?\u00a0<\/p>\n
<\/p>\n
Yes, full PF withdrawal is allowed online if you have retired, been unemployed for 2+ months, or are permanently migrating abroad. During active service, you can withdraw up to 75% (or 90% for housing) under specific partial withdrawal rules.\u00a0<\/p>\n
<\/p>\n
How long does PF withdrawal take in 2026?\u00a0<\/p>\n
<\/p>\n
For auto-settled claims up to \u20b95 lakh with full KYC, it can take just a few hours to 3 business days. Claims above \u20b95 lakh may take 7-10 working days.
\u00a0
What is the minimum balance that must remain in the PF account?\u00a0<\/p>\n
<\/p>\n
At least 25% of your total PF balance must remain in the account at all times during active service. You cannot withdraw this amount until retirement or permanent separation.\u00a0<\/p>\n
<\/p>\n
What is the ATM withdrawal limit for PF under EPFO 3.0?\u00a0<\/p>\n
<\/p>\n
One can withdraw up to 50% of the eligible advance amount via the EPFO ATM card. The universal 25% retention rule still applies.\u00a0<\/p>\n
<\/p>\n
Can I withdraw PF without Aadhaar?\u00a0<\/p>\n
<\/p>\n
It is very difficult. Without Aadhaar seeding, you lose access to auto-settlement, employer-free withdrawals, and UPI\/ATM features. Employer attestation becomes mandatory. It’s strongly advisable to seed Aadhaar before applying.\u00a0<\/p>\n
<\/p>\n
What should I do if my PF withdrawal claim is rejected?\u00a0<\/p>\n
\n
\nCheck the rejection reason in the “Track Claim Status” section
\nFix the specific KYC or service history issue
\nRe-submit the claim
\nFor persistent issues, call the EPFO helpline: 1800-118-005 (toll-free) or raise a grievance at epfigms.gov.in
\n
<\/p>\n","protected":false},"excerpt":{"rendered":"
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![\"PF](\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2026\/06\/20260608151520_pfonline.jpg\" "\\"PF")
<\/p>\n