💼How Much PF Advance You Can Withdraw & How to Withdraw PF Advance | Complete Step-by-Step Guide 🏦| 2025
💼How Much PF Advance You Can Withdraw & How to Withdraw PF Advance - Complete Step-by-Step Guide 🏦| 2025
In 2025, the process has become faster, more convenient, and even ATM withdrawals are coming soon!
✅ What Is PF Advance?
PF Advance (Form 31) is a partial withdrawal from your EPF balance. You don’t need to resign or retire to apply for this. It is allowed only for specific purposes under defined conditions.
📝 Eligibility Criteria for PF Advance
You can withdraw PF Advance for:
| Purpose | Service Required | Limit |
|---|---|---|
| Medical Treatment (self/family) | No minimum service | 6 months’ Basic + DA or Employee’s Share with Interest |
| Purchase/Construction of House | Min. 5 years | Up to 24 months’ wages or 90% of EPF balance |
| Home Renovation | Min. 5 years | Up to 12 months’ wages |
| Marriage/Education | Min. 7 years | Up to 50% of employee contribution |
| Natural Calamity | No minimum service | ₹5,000 or 50% of contribution |
| Repayment of Home Loan | Min. 10 years | Up to 36 months’ wages |
| COVID-19 (Special) | No condition | Up to 75% of balance or 3 months’ wages |
| Unemployment (after 1 month) | No minimum service | 75% of EPF corpus |
💸 New Update: Auto-Settlement Limit Increased to ₹5 Lakh
As of July 2025, EPFO has increased the auto-settlement limit for PF advance to ₹5 lakh, ensuring faster claim processing without employer approval.
Funds are now disbursed within 3–5 days if all KYC details are verified.
⚙️ How to Apply for PF Advance – Step-by-Step (Online)
Step 1: Activate & Link UAN
Ensure:
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UAN is activated
-
Aadhaar, PAN, and bank details are verified and linked
Step 2: Visit the Portal
- Go to: https://unifiedportal-mem.epfindia.gov.in
- Login using your UAN & password
Step 3: Submit Claim
- Navigate to Online Services > Claim (Form-31, 19 & 10C)
- Enter your bank account (last 4 digits) and verify
- Click on “Proceed for Online Claim”
- Choose Form-31 – PF Advance
- Select purpose, amount, and upload required documents
- Submit
Step 4: Wait for Disbursal
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If eligible under auto-mode (within ₹5 lakh), payment will be done without employer intervention
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Payment is usually credited within 3–7 working days
📲 Apply via UMANG App (Mobile)
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Download UMANG App
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Go to EPFO → Employee Centric Services → Raise Claim
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Login with UAN and OTP
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Follow the same steps as online portal
🏧 Coming Soon: Withdraw PF from ATMs & UPI!
The EPFO is launching EPF 3.0 with these features:
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Withdraw PF using ATMs
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Instant UPI disbursal
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Smart Card based access
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e-Passbook with UPI mapping
Expected to roll out across India by end of 2025, this will be a game-changer for millions of employees.
📌 Tax Implications
| Condition | Tax Treatment |
|---|---|
| Before 5 years of service | TDS @10% (PAN), TDS @30% (no PAN), amount is taxable |
| After 5 years of service | No TDS, amount is tax-free |
To avoid TDS, ensure PAN is linked to your EPF account.
🛑 Common Mistakes to Avoid
- Not linking PAN/Aadhaar to UAN
- Wrong bank details (results in claim rejection)
- Uploading unclear or incorrect documents
- Not checking purpose-specific eligibility rules
📂 Offline Method (If Needed)
- Download Composite Claim Form from EPFO
- Choose: Aadhaar (direct submission) or Non-Aadhaar (needs employer attestation)
- Submit physically to EPFO office
✅ Final Thoughts
PF Advance is a lifesaver in times of need, and with the new ₹5 lakh auto-settlement limit, the process is smoother than ever. Ensure your UAN is updated and linked to Aadhaar, PAN, and bank account to enjoy fast and hassle-free withdrawal.
💡 Tip: Don’t use PF advance unless absolutely necessary. It reduces your retirement savings.
📎 Quick Links
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EPFO Portal: https://unifiedportal-mem.epfindia.gov.in
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UMANG App: https://web.umang.gov.in
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EPF Claim Form Info: https://www.epfindia.gov.in/site_en/WhichClaimForm.php
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