How to Withdraw PF Online: Withdraw Provident Fund Easily via Mobile & UMANG App Without Visiting Office

If you have been contributing to the Provident Fund (PF) through your salary deductions, you should know that you don’t always have to wait until retirement to withdraw the entire balance. Under certain conditions, you can withdraw your PF money online, right from the comfort of your home, using your smartphone or the UMANG app. Let’s understand in detail how you can apply for a full and final PF withdrawal and also how to claim your pension balance online.

✅ Full & Final PF Withdrawal – What It Means

When you withdraw your PF after leaving a job, the process is known as Full and Final Withdrawal. This includes your PF contributions, the employer’s contributions, pension balance, and the accumulated interest. Remember, you cannot opt for a full withdrawal while you are still employed. During employment, you are only eligible for partial withdrawal for specific needs such as medical expenses, education, or home purchase.

To apply for a full withdrawal, you must meet these conditions:

• You should have left your previous job.

• At least two months must have passed since your last working day, or you must have a two-month gap before joining your next job.

Once eligible, you can easily apply online through EPFO’s official portal or UMANG app.

📱 Step-by-Step Process to Withdraw PF Online

1. Visit the EPFO official website and log in using your UAN number and password.

2. On the dashboard, click on Online Services → Claims.

3. A form will appear. Some details will be auto-filled, and you will need to enter missing information.

4. Enter your bank account details linked to your PF account and accept the terms and conditions.

5. Verify your last employment details, including date of exit (your last working day).

6. Click on Proceed for Online Claim.

7. From the claim options, select Form 19 for PF withdrawal.

8. If the withdrawal amount is more than ₹50,000, you can upload Form 15G to avoid a 10% TDS deduction.

9. Enter your Aadhaar-linked address, upload a cancelled cheque image, and accept the declaration.

10. Finally, click on Get Aadhaar OTP, verify the OTP, and submit your claim.

🏦 How to Withdraw Pension Money Online

To withdraw pension funds, you need to follow a similar process but with a different form:

1. Go to Online Services → Claims.

2. Enter your bank account details and proceed.

3. From the options, select Form 10C (Only Pension Withdrawal).

4. Enter your address, upload a cancelled cheque, accept the declaration, and submit with Aadhaar OTP.

🔎 How to Check Claim Status

• After submission, you can track your request by going to Online Services → Track Claim Status on the EPFO portal.

• Within 3 working days, you will be able to see whether your claim has been settled.

• Once approved, you can confirm by checking your EPF passbook for the credited amount.

• The entire process can also be completed through the UMANG app by selecting the EPFO service.

📌 Key Takeaway

You don’t need to visit the EPFO office or depend on middlemen to withdraw your PF or pension money. With just a mobile phone, internet connection, and Aadhaar-linked details, you can complete the process within minutes.