A complete walkthrough of EPFO withdrawal rules, how to claim advances during medical or family emergencies, and eligibility details.
Employees often need to access their Provident Fund savings for critical family needs. This guide explains which EPFO forms are required for various types of withdrawals. 1. Form 31: PF Advance (Partial Withdrawal) If you are currently employed and need funds for medical emergencies, marriage, house construction, or education, you can apply for a non-refundable advance using Form 31 on the EPFO Member Portal. 2. Form 19: Full PF Settlement Form 19 is used to withdraw your entire PF balance. You can only submit this form after leaving your employment and remaining unemployed for a period of at least two consecutive months. 3. Form 10C: Pension Withdrawal Form 10C is submitted along with Form 19 to claim your EPS (Employee Pension Scheme) contribution or to obtain a Scheme Certificate, which secures your pension rights if you plan to transfer jobs.