EPFO Withdrawal: How To Claim Your Provident Fund After Leaving A Job

If the individual is relocating abroad or if a woman resigns from her job for marriage, the waiting period is waived, allowing immediate withdrawal

The first step in claiming your provident fund is completing Form 19

Source : ABPLIVE AI

Employees subscribed to the Employees’ Provident Fund (EPF) scheme can access their accumulated funds after leaving their job. Generally, this withdrawal can be made two months after the employee exits the organisation. However, exceptions are made in certain circumstances. For instance, if the individual is relocating abroad or if a woman resigns from her job for marriage, the waiting period is waived, allowing immediate withdrawal.

Step-By-Step Process To Withdraw EPF

1. Fill Out Form 19:
   The first step in claiming your provident fund is completing Form 19, which is specifically used for the final settlement of EPF accounts.
2. Eligibility Requirements: Before proceeding, ensure the following conditions are fulfilled:

• Your UAN (Universal Account Number) is active.
• Your mobile number is linked to Aadhaar, and Aadhaar details are verified.
• Your bank account is validated, including verification of the IFSC code by your employer.
• If your EPF membership is under five years, your PAN must be linked to your UAN.
• Your date of joining and exit must be correctly updated in the EPFO records.

3. Log In to the UAN Portal:
   Visit the EPFO’s UAN member portal and log in using your UAN, password, and the captcha code.
4. Select the Relevant Forms:
   Choose Form 19 for provident fund withdrawal and Form 10C if you wish to claim your pension benefits.
5. Verify Account Details:
   Enter your bank account number (linked with UAN) and verify it.
6. Submit Tax Forms if Needed:
   If applicable, upload Form 15G or 15H to avoid TDS deductions.
7. Upload a Cancelled Cheque:
   Ensure the cheque has your name, account number, and IFSC code clearly visible.
8. Authenticate via Aadhaar OTP:
   Click on the 'Get Aadhaar OTP' option. Enter the OTP received on your registered mobile number.
9. Submit the Claim:
   Your application will be sent to the EPFO. Once reviewed and approved by the designated official, the amount will be directly transferred to your bank account.