Below are the pre-requisites to submit online PF claims;

 UAN & Mobile Number: To avail online EPF withdrawal facility, you should have activated your
UAN (Universal Account Number) and the mobile number which is linked to your UAN should be in
working condition.
 Aadhar : Your Aadhar number should have been seeded in EPFO website.
 Bank Account : Your bank account and its applicable IFSC Code should have been seeded with your
UAN.
 PAN : Permanent Account Number (PAN) should also been seeded in EPFO database for PF Final
settlement claims in case your service is less than 5 years.

If you want to go online for your claims, you should have activated your Universal Account Number (UAN). Also,
the mobile phone number you used to activate UAN should be in use. You need to seed your Aadhaar details into
the EPFO database so that electronic know-your-customer (e-KYC) verification can take place through a one-time
password, which the Aadhaar authority will send, when you submit th e claim. You can proceed only if you have
registered or linked your Aadhaar. Otherwise, the website will prompt you to link your Aadhaar with UAN.

Apart from this, you also need to input your bank account details so that once the claim is settled, the mone y can be
transferred online to the account.

If you have not been an EPFO member for at least 5 years, you also need to seed your permanent account number
(PAN). “Only those individuals whose Aadhaar information has been verified and three data entries matc h—name,
date of birth and gender—will be eligible to use the online claim service,”

So, do the background work if you have a claim coming anytime soon. The Aadhaar-based composite claim form
will be used for online claim submission.

In February 2017, the EPFO introduced a single-page claim form subsuming the erstwhile Forms 19, 10C and 31 for
complete withdrawal, pension withdrawal benefit and partial withdrawals, respectively. But there are two types of
composite form: Aadhaar and non-Aadhaar.
Online Claim Submission
You can submit your claim online using the Aadhaar composite claim form. The online version will be pre -filled
with your basic information since you would be able to access it only after logging in to the EPF member
portal (https://unifiedportal-emp.epfindia.gov.in/epfo/ ). You will then have to select the type of withdrawal you
wish to make.

While the forms that were there earlier are no longer used, the types of withdrawals remain the same, and each has
its own set of conditions that need to be fulfilled to avail a withdrawal.

Final settlement: For final settlement (for which you needed to fill Form 19 earlier), you will need to provide the
date of joining and date of exit (last date of employment). This should be available in the EPFO database. You
should not be working at the time of submission of the claim in an establishment that is covered under the
Employees’ Provident Fund and Miscellaneous Provisions Act, 1952.

A claim for final settlement can be submitted only after 2 months of the last date of employment.

Partial withdrawal: Form 31 was used for this earlier. Your date of joining should be available in the EPFO
database.

Pension withdrawal benefit: This was earlier done under Form 10C. Your total period of service should be more
than 6 months. These conditions are in addition to those required for a final settlement. Also note, the se rules are for
withdrawal of the amount that goes from your employer’s contribution to the Employees’ Pension Scheme corpus.

Once you make your selection and are eligible for a particular withdrawal based on EPFO database, you will have to
authenticate your KYC through an OTP. You will receive the password on the mobile number registered for
Aadhaar with the Unique Identification Authority of India (UIDAI).

Also remember that you can get the payment from EPFO for your claim only into the bank account registered with it
and which is shown in your UAN member interface. If, for some reason, you want to use some other bank account
to get the claim, do not submit the claim online; use the physical process instead, or get the bank account details
changed through your current employer.

Do remember that if you have been an EPF member for less than 5 continuous years, the maturity corpus is taxable
and you will also need to furnish proof of PAN. If you are making the claim offline, fill the form and submit it along
with a cancelled cheque, without employer’s certification.
The online claim process is not available to those who do not have Aadhaar. The non -Aadhaar composite claim form
needs more details like date of birth, father’s name and bank account details. Apart from your signature, it has to be
certified by your employer.

Process to withdraw EPF & EPS balance online?

 You need to login to UAN portal (member interface) with your credentials.

URL : https://unifiedportal-emp.epfindia.gov.in/epfo/

 Kindly check your KYC details whether they are correct and have been verified.
 You have to select relevant withdrawal claim namely; EPF full withdrawal (and / or) EPS withdrawal
claim (or) EPF advance.
  You have to authenticate online PF claim using OTP (One-time password) received against the mobile
registered with UIDAI (Unique Identification Authority of India) to complete the online claim submission.
So, your mobile number linked to your UAN and Aadhar should be one and the same.
 EPFO will get your e-KYC (Aadhaar) credentials from UIDAI and processes your online PF claim.

An EPF member can complete the whole proces s online. As per EPFO, for online withdrawal facility, there is no
need to interact with your employer / EPFO staff. The claim submitted by you would flow in soft form to EPFO
database where it will be processed and your bank account will be credited with the claim amount.

For online EPF partial withdrawal you are not required to give any supporting documents. Member’s applying
online will be taken as his / her self-declaration for preferring the advance claim.

EPFO says that with the launch of this online EPF withdrawal facility, the settlement of PF claims can happen
within few hours. Let’s hope this new provision proves to be useful and beneficial to all the EPF members.

(Kindly note that for ‘Online EPF transfer’ & ‘EPS Withdrawals’, seeding of Aadhaar n umber to UAN is not
mandatory.)