TaxSavvy

Compliance Pack

PF withdrawal claims, Form 19, Form 31 and Form 10C

  • 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.
  • Deadline: 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
  • Done 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
  • Prepared by your Savvy, checked by a CA
  1. Activated UAN with approved KYC
  2. Are you still working
  3. Work out the Eligible Member Balance and the right claim
  4. Claim ID acknowledgement
The law and the stepsPay and start · ₹999As needed, + 18% GST

Answer in brief

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.

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From the official sources

What the law says, and what trips people up

From the official portal's manuals and FAQs, with the source for each point.

The law

  • EPF Scheme 2026 (G.S.R. 525(E), 29 June 2026)

    Partial withdrawal after 12 months of membership for specified purposes, keeping at least 25% of contributions and interest; complete withdrawal on retirement after 55, permanent incapacity, permanent migration and other listed eventsSource

  • EPF Scheme 2026, partial withdrawal categories

    Three heads replace 13: essential needs (illness, education 10 times, marriage 5 times), housing (5 times), special circumstances (twice a year, no documents); minimum ₹1,000Source

  • EPF Scheme 2026, final settlement events

    Full balance including the 25% on retirement at 55, incapacity, migration abroad, retrenchment, or voluntary retirement by mutual agreementSource

  • EPFO CBT decision, 16 October 2025

    Unemployed members may withdraw up to 75% at once; remaining 25% after 12 months; EPS withdrawal after 36 months (earlier two months for both)Source

  • EPS Scheme 2026 (G.S.R. 527(E))

    Pension withdrawal benefit only after 36 months from the last contribution due date, or on superannuation, whichever is earlierSource

  • EPF Scheme 2026, delayed claims

    If a complete claim is delayed without sufficient cause, penal interest of 12% a year on the benefit is payableSource

  • Government fee

    None for filing a claim. Source: https://www.taxaj.com/learn/?p=478 (lists documents and steps, no fee). Tax: withdrawal before five years of continuous service may attract tax and TDS; higher TDS if PAN is not seeded. Source: https://www.taxaj.com/learn/?p=478

On the portal

  1. Login to the Unified Member Portal with UAN and password
  2. Check Manage > KYC shows Aadhaar, PAN and bank as verified and approved
  3. Online Services > Claim (Form-31, 19, 10C and 10D)
  4. Enter the last four digits of the bank account and Verify; accept the undertaking
  5. Proceed for Online Claim; choose PF advance (Form 31), full EPF settlement (Form 19) or only pension withdrawal (Form 10C)
  6. Select purpose and amount for an advance; confirm address and upload a cheque or passbook if asked
  7. Submit with Aadhaar OTP; track under Online Services > Track Claim Status

What trips people up

  • Claim option not shown because exit date is not marked

    Get the old employer to mark the exit date firstSource

  • Claim rejected for name mismatch or unverified bank account

    Fix KYC and bank details before filing againSource

  • Member expects the full balance after resigning, but only 75% is allowed until 12 months of unemployment

    Claim the eligible part now and the rest after 12 months, unless an exit event such as retrenchment appliesSource

  • Pension withdrawal (Form 10C) not available two months after leaving as before

    EPS withdrawal now waits 36 months, or until superannuationSource

  • Old frequency limits used up under the 1952 scheme

    Frequency limits reset for all members when the 2026 scheme startedSource

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.Source

Do I need documents for a partial withdrawal?

No documents are needed for the special circumstances category; other categories may ask for uploads.Source

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.Source

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.Source

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.Source

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.Source

IDFD

How we solve it: 4 steps

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Step 1 of 4 · What we need from you

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  • Activated UAN with approved KYC
  • Bank account matching KYC
  • Cancelled cheque or passbook imageOptional
  • Date of exit marked
  • Reason and amount for advance
  • PAN
  • Form 121 self-declaration if eligibleOptional
  • Service history across employers

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Answers on this topic

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As needed. 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

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