Compliance Pack
PF withdrawal claims, Form 19, Form 31 and Form 10C
What this means, checked by a CA
PF rules changed in 2026: you can now take up to 75% of your balance for set reasons, and the last 25% only in specific cases. We check which claim you qualify for, the tax on it, file Form 31, 19 or 10C online and follow up until the money reaches your bank.
₹999
As needed, + 18% GST
- Delivered in Claim filed in 1 working day after KYC is clean; EPFO settles complete simple claims in about 3 working days and others in up to 20 days
- Due: Partial withdrawal after 12 months of membership; full EPF settlement after 12 months of unemployment (immediate on retirement after 55, retrenchment, VRS, incapacity or migration); EPS withdrawal after 36 months or at superannuation
How we do it: IDFD
Every case runs through the same four steps: Information, Discussion, Forms, Deliverables. You see each one ticked as it happens.
InformationWhat we need from you · 8 items
Activated UAN with approved KYC
Online claim needs verified KYC
Bank account matching KYC
Last four digits verified on claim
Cancelled cheque or passbook imageOptional
Uploaded if asked
Date of exit marked
Needed for Form 19 and 10C
Reason and amount for advance
Decides category and limit
PAN
Avoids higher TDS
Form 121 self-declaration if eligibleOptional
Replaced Form 15G and 15H from 1 April 2026
Service history across employers
Five-year tax test and EPS service
DiscussionWhat we discuss · 6 items
Are you still working, or when did you leave and why (resignation, retrenchment, VRS, retirement, migration)?
Decides partial, 75% or full
How long have you been an EPF member in total, including past jobs?
12 months rule and five-year tax test
What is the money for: illness, education, marriage, housing or other?
Category and number of times allowed
How many years of pension service do you have, and your age?
Form 10C withdrawal or scheme certificate
Will you join another job soon?
Transfer may be better than withdrawal
Is your total income below the taxable limit?
Form 121 to avoid TDS
FormsForms we file · 6 items
Work out the Eligible Member Balance and the right claim
Eligible Member Balance = total balance minus 25% of contributions and interest; partial claim up to 100% of this; minimum ₹1,000
Where: Internal. Due: Before filing
Form 31: partial withdrawal under essential needs, housing or special circumstances
Where: https://unifiedportal-mem.epfindia.gov.in. Due: After 12 months of membership
Form 19: EPF final settlement
Where: https://unifiedportal-mem.epfindia.gov.in. Due: On retirement after 55, retrenchment, VRS, incapacity or migration; after 12 months of unemployment otherwise
Form 10C: EPS withdrawal benefit (under 10 years of service) or scheme certificate
Where: https://unifiedportal-mem.epfindia.gov.in. Due: After 36 months from the last contribution due date, or at superannuation
Submit with Aadhaar OTP (or face authentication if asked) and upload documents where required
Where: https://unifiedportal-mem.epfindia.gov.in. Due: Same session
Track claim; reply to any return or rejection
Where: https://unifiedportal-mem.epfindia.gov.in. Due: About 3 working days for complete claims, up to 20 days for others
DeliverablesWhat you get · 4 items
Claim ID acknowledgement
When: Same day
Money credited to bank
When: About 3 to 20 working days
EPS withdrawal payment or scheme certificate
When: Up to 20 days
Tax note on TDS and ITR reporting
When: With settlement
Questions people ask
I lost my job. How much PF can I take now?
Up to 75% of the balance at once; the remaining 25% after 12 months of unemployment. Retrenchment, VRS, retirement after 55 and migration allow full settlement.
Do I need documents for a partial withdrawal?
No documents are needed for the special circumstances category; other categories may ask for uploads.
How fast are claims settled now?
Complete PF claims needing no extra checks are expected in about three working days; pension and EDLI claims keep a 20-day timeline. The auto-settlement limit for advances rose from ₹1 lakh to ₹5 lakh.
What is Form 10C for?
It claims the EPS withdrawal benefit if you have under 10 years of pension service, or a scheme certificate to carry service to a future job.
How do I avoid TDS if my income is below the taxable limit?
File Form 121, which replaced Form 15G and 15H from 1 April 2026.
How many times can I withdraw for my children's education?
Up to 10 times during membership; marriage up to 5 times; housing up to 5 times.
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