EPFO Update: No More Forms 19 and 10C Hassle — PF Withdrawal to Become Instant via UPI

Good news for millions of salaried employees in India. The Employees’ Provident Fund Organisation (EPFO) is preparing to introduce a major upgrade that will make PF withdrawal faster, simpler, and almost instant. Very soon, employees may no longer need to go through lengthy paperwork like Form 19 and Form 10C to withdraw their provident fund money. Instead, PF withdrawals could be completed within seconds through UPI.

This upcoming change is expected to significantly improve the overall experience for EPF members who often face delays while accessing their own savings.

Current PF Withdrawal Process: Why It Feels Complicated

At present, withdrawing money from a PF account is not always quick or convenient. Employees are required to submit Form 19 for final PF settlement and Form 10C for pension withdrawal benefits. After submission, the claim goes through multiple verification stages before the money is credited to the bank account.

Even though the system has improved over the years with online claims, the process can still take several days, especially for higher-value claims or cases that require additional verification. This delay often becomes stressful for employees who need funds urgently.

EPFO’s Big Reform: UPI-Based PF Withdrawal

To eliminate these delays, EPFO is now planning a game-changing reform. Under the proposed system, PF money will be withdrawn directly through UPI (Unified Payments Interface). This facility is being rolled out as part of EPFO 3.0, a broader initiative aimed at modernising and speeding up EPF-related services.

Once implemented, employees will be able to request PF withdrawal digitally, without filling lengthy forms or waiting for days. The money will be transferred directly to the linked bank account almost instantly, similar to how UPI payments work today.

When Will UPI PF Withdrawal Start?

According to sources, the new UPI-based PF withdrawal system may be launched by March–April 2026. EPFO has already partnered with the National Payments Corporation of India (NPCI) to integrate its systems with the UPI platform.

This collaboration will ensure secure, fast, and seamless fund transfers, while maintaining strict verification and compliance standards.

Which UPI Apps Will Support PF Withdrawal?

In the initial phase, the PF withdrawal option through UPI will be available on the BHIM App, which is the government-backed UPI application. After successful implementation and testing, the facility is expected to be extended to other popular UPI apps as well.

To withdraw PF via UPI, users will simply need to:

• Log in to the supported UPI app

• Select the PF withdrawal option

• Enter the amount they wish to withdraw

• Complete a quick verification process

Once approved, the money will be credited to the bank account within seconds.

Faster Claims, Better Tracking

EPFO has clarified that the new system will drastically reduce the claim processing time. Currently, even auto-mode claims of up to ₹5 lakh take at least three days to be settled. Claims above this amount often take even longer.

With UPI integration, these delays are expected to disappear. Employees will also be able to track their withdrawal status easily, improving transparency and reducing uncertainty.

Why This Change Is Important for Employees

This move is expected to bring multiple benefits:

• No more paperwork like Forms 19 and 10C

• Instant access to PF money during emergencies

• Reduced processing time and errors

• Improved transparency and user experience

For millions of working professionals who depend on their PF savings during job changes, medical emergencies, or retirement, this update could be a major relief.

What to Expect Going Forward

While the official rollout is still awaited, EPFO’s decision to adopt UPI reflects its commitment to digital transformation and user convenience. Once live, PF withdrawals may become as easy as making a UPI payment—fast, secure, and hassle-free.

In summary, the proposed UPI-based PF withdrawal system is set to redefine how employees access their provident fund money. If implemented as planned, it will mark one of the biggest reforms in EPFO’s history, putting an end to long waits and complex procedures for PF claims.