Provident Fund (PF) is a crucial savings tool for employees in India, offering financial security post-retirement or during emergencies. In 2025, claiming your EPF (Employees’ Provident Fund) has become more streamlined with digitized systems by EPFO (Employees’ Provident Fund Organisation). Whether you’re retiring, resigning, switching jobs, or in urgent need of funds, knowing exactly how to claim PF in 2025 ensures timely access to your savings.
This comprehensive guide explains online and offline methods, eligibility, documents required, and troubleshooting for a successful PF withdrawal.
Eligibility Criteria for Claiming PF in 2025
You can claim PF under the following circumstances:
- Retirement (after age 58)
- Resignation (after two months of unemployment)
- Partial Withdrawal (for medical, education, housing, or marriage purposes)
- Permanent Disablement
- Death of a member (by nominee or legal heir)
- COVID-related or other emergencies (special provisions)
Types of PF Claims You Can Make
- Full PF Withdrawal (Form 19) – Retirement or unemployment.
- Pension Withdrawal (Form 10C) – Withdrawal of pension contributions.
- Advance/Partial Withdrawal (Form 31) – Specific needs like illness, education, or home purchase.
- Final Settlement (Form 20/10D) – For nominee/legal heir in case of death.
Documents Required to Claim PF
Ensure the following documents are ready:
- UAN (Universal Account Number) (activated)
- Aadhaar Number (linked with UAN and mobile)
- Bank Account Details (linked with UAN)
- PAN Card (mandatory for claims above ₹50,000)
- Cancelled Cheque
- Form 15G/15H (for avoiding TDS, if applicable)
- Death Certificate & Succession Proof (for nominee claims)
How to Claim PF Online in 2025
Step 1: Visit the EPFO Member Portal
Go to https://unifiedportal-mem.epfindia.gov.in/memberinterface/
Step 2: Log In with UAN
Enter your UAN, password, and captcha, then click Sign In.
Step 3: Go to Online Services
Click on the “Online Services” tab and select:
- Claim (Form-31, 19, 10C & 10D)
Step 4: Verify KYC Details
Ensure Aadhaar, PAN, and Bank details are verified and correct. If not, update them under Manage > KYC.
Step 5: Enter Claim Details
- Select the relevant claim type (Full PF, Pension Withdrawal, or Advance).
- Choose reason (e.g., marriage, education, illness, unemployment).
- Enter the withdrawal amount if applicable.
Step 6: Submit and Generate OTP
- Submit your request.
- OTP will be sent to your Aadhaar-linked mobile.
- Enter OTP and confirm.
Step 7: Acknowledgement and Tracking
- You will receive an acknowledgement number.
- Track claim status under “Track Claim Status” in the portal.
Processing Time for PF Claims in 2025
- Online claims are typically settled within 7–10 working days.
- Offline claims may take 15–20 working days.
How to Claim PF Offline in 2025
If you’re unable to file online, you can opt for the offline method:
Step 1: Download the Composite Claim Form
Get the latest Composite Claim Form (Aadhaar or Non-Aadhaar) from EPFO Official Website.
Step 2: Fill the Form Accurately
Provide:
- UAN
- Aadhaar details
- Bank account details
- Reason for withdrawal
- Signature of member
Step 3: Submit to Regional EPFO Office
- For Aadhaar-based forms, submit directly to EPFO.
- For Non-Aadhaar forms, submit via employer.
Carry original ID proof, cancelled cheque, and PAN card.
PF Withdrawal Using UMANG App
UMANG (Unified Mobile Application for New-age Governance) enables mobile-based claim submission.
Steps to Claim PF via UMANG:
- Download UMANG App from Play Store/App Store.
- Go to EPFO Services > Employee Centric Services > Raise Claim.
- Log in using UAN and OTP.
- Fill required claim details and submit.
- Track claim status within the app.
PF Claim Using DigiLocker (New in 2025)
EPFO has partnered with DigiLocker for e-KYC and e-signature validation.
- Link EPFO account with DigiLocker.
- Complete e-KYC using Aadhaar.
- Raise claim via EPFO portal using e-sign.
- Quicker claim verification and processing.
TDS on PF Withdrawal in 2025
Tax Deducted at Source (TDS) rules:
- If PAN is provided and service is less than 5 years: 10% TDS.
- No PAN provided: TDS at 30%.
- No TDS if:
- Service is more than 5 years.
- Claim amount is less than ₹50,000.
- Form 15G/15H is submitted (for eligible individuals).
Common Reasons for PF Claim Rejection
| Reason | Solution |
|---|---|
| KYC not updated | Ensure Aadhaar, PAN, and Bank details are verified |
| Name mismatch | Match EPFO details with Aadhaar exactly |
| Wrong IFSC/Account | Verify bank info is current and accurate |
| Multiple UANs | Get UANs merged before claiming |
| Unapproved exit date | Employer must update date of exit in EPFO records |
Tips for Faster PF Claim Processing
- Keep all KYC details updated and verified.
- Ensure employer has updated the date of exit.
- Link Aadhaar and PAN correctly.
- Use online mode for fastest processing.
- Avoid entering incorrect withdrawal reasons.
Customer Support and Grievance Redressal
Facing issues with your PF claim? Use these official support options:
- EPFO Grievance Portal: https://epfigms.gov.in/
- Toll-Free Number: 1800-118-005
- Email: employeefeedback@epfindia.gov.in
- Twitter: @socialepfo
Conclusion
Claiming your PF in 2025 is now more accessible, transparent, and efficient. Whether online through the EPFO portal or mobile apps like UMANG, or via offline methods, you can withdraw your hard-earned savings smoothly by following the right procedures. Keep your KYC updated, use your UAN actively, and always track your claim status to stay informed. In case of issues, EPFO’s digital helpdesk ensures timely resolution.