Published on Mar 11, 2026Updated on Jul 16, 2026
EPF Form 31 is used to apply for an EPF advance or EPF partial withdrawal from your Employees’ Provident Fund account. Through the EPF Form 31 online, members can request an advance for specific needs without closing their account. The process is managed through the EPFO (Employees' Provident Fund Organisation) portal, provided your UAN is activated and linked with Aadhaar, PAN, and bank details. This makes EPF advance claims more structured, transparent, and easier to track online.
Employees' Provident Fund Organisation (EPFO) administers withdrawals under the Employees’ Provident Fund Scheme, and this is where Form 31 comes in. If you are wondering what EPF Form 31 is, it is the document used to raise an EPF advance claim for partial withdrawal from your provident fund balance while you are still employed. It is meant for specific financial needs without closing the account linked to your Universal Account Number.
How it differs from other forms:
Under EPFO rules, members can use EPF withdrawal Form 31 only for specific permitted purposes. These withdrawals are treated as advances and are allowed subject to certain conditions, including minimum years of service in some cases. The Form 31 PF withdrawal limit depends on factors such as the reason for withdrawal, your total PF balance, and your length of service. Below is a simplified overview of common EPF Form 31 claims:
|
Reason |
Minimum Service Requirement |
Maximum Amount Allowed |
|
Medical treatment |
No minimum service |
Up to 6 times the monthly salary or total PF balance, whichever is lower |
|
Marriage (self, children, siblings) |
7 years |
Up to 50% of the employee’s contribution |
|
Education (self or children) |
7 years |
Up to 50% of the employee’s contribution |
|
Home loan repayment |
10 years |
Up to 90% of the total PF balance |
|
House renovation |
5 years |
Up to 12 times the monthly salary |
|
Unemployment |
No minimum (after leaving the job) |
75% after 1 month; remaining 25% after 2 months |
Members should check the latest EPF partial withdrawal rules on the EPFO portal before applying.
You can complete an EPF Form 31 download either online through the EPFO Member Portal or offline by visiting the EPFO office. Most members prefer the digital route, as the EPFO Form 31 PDF can be accessed after a successful EPF UAN login. Before proceeding, ensure your UAN is activated and linked with Aadhaar, PAN, and bank details to avoid claim rejection.
Online submission is generally faster and allows you to track the claim status easily.
When submitting Form 31 for PF withdrawal, you must provide accurate personal and employment details to ensure smooth processing of your claim. Whether you apply through the EPFO Member Portal or offline, the information should match your registered KYC records to avoid delays. Any mismatch in bank or identity details may lead to rejection.
The form generally includes:
Ensure that all details are updated on the portal before initiating the EPF claim Form 31.
Before applying for a withdrawal, ensure your EPF KYC details are updated, as this helps in faster verification. The required EPF Form 31 documents may vary depending on the purpose of withdrawal, but basic identity and bank proofs are required. Keeping the right paperwork ready reduces the chances of delays or rejection.
Commonly required documents for EPF withdrawal include:
The EPF Form 31 process allows members to apply for a partial withdrawal either through the online UAN portal or by submitting a physical form. The online route is generally quicker and more transparent, while the offline option may be suitable if KYC details are not updated or Aadhaar is not linked.
Once submitted, the EPF settlement is usually processed within 3 to 20 working days, depending on verification and eligibility.
Offline claims may take slightly longer due to manual verification and document checks.
Under current EPF withdrawal rules, you can extract funds either partially or fully, depending on your employment status and length of service. EPF partial withdrawal eligibility applies while you are still employed and is allowed only for specific purposes such as medical needs, education, marriage or housing loan repayment, subject to applicable conditions. In contrast, full withdrawal is permitted after retirement at the age of 58.
If you leave your job, you can withdraw up to 75% of your EPF balance after one month of unemployment. The remaining 25% can be withdrawn if unemployment continues for two months. Members who change jobs are generally encouraged to transfer their balance instead of withdrawing it.
After submitting your request, you can track the EPF claim status Form 31 through online platforms provided by EPFO. Monitoring the status helps you stay informed about verification, approval and payment updates.
You can also verify credited amounts through the EPFO Passbook Portal.
EPF withdrawal taxation typically depends on your total years of service and the amount withdrawn. Under the Income Tax Act, withdrawals made after completing five continuous years of service are generally tax-exempt. However, if you withdraw before five years and the amount exceeds Rs. 50,000, TDS on EPF may apply under Section 192A of the Income Tax Act. Providing a valid PAN ensures TDS is deducted at 10%, while failure to submit PAN may result in a higher deduction of 20%.
If your total taxable income is below the basic exemption limit, you may submit Form 15G or Form 15H to request non-deduction of TDS, subject to eligibility.
|
Condition |
Tax Treatment |
|
Withdrawal after 5 years |
Tax-exempt |
|
Withdrawal before 5 years (above Rs. 50,000) |
TDS applicable |
|
PAN not submitted |
Higher TDS rate may apply |
Many delays arise due to avoidable errors in the application. In several cases, EPF claim issues occur because personal or bank details are not updated correctly on the portal. Even a minor mismatch can result in an EPF Form 31 rejected status.
Common mistakes to avoid:
Review your records carefully before submitting the claim to reduce processing delays.
EPF Form 31 offers a structured way to access your provident fund savings during specific life events, provided you meet the eligibility and service conditions. With clear guidelines, online filing through the UAN portal and defined withdrawal limits, Form 31 for PF withdrawal makes the process more transparent and convenient.
However, withdrawing from your retirement savings should be considered carefully, especially if it affects long-term financial security. In certain situations, instead of opting for premature EPF withdrawal, a personal loan may offer a more practical solution. It allows you to manage immediate financial needs while keeping your retirement corpus intact and compliant with long-term savings goals.
SMFG India Credit offers personal loans of up to Rs. 30 lakhs* at competitive interest rates, a convenient online application process, and minimal personal loan documentation. You can use tools like the personal loan eligibility calculator and EMI calculator to make informed borrowing decisions. Check your personal loan eligibility and apply online today!
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To withdraw EPF for home loan repayment, you must generally complete at least 10 years of service. You may withdraw up to 90% of your EPF balance, subject to EPFO rules.
Online claims require logging in through the UAN member portal. Without login access, you must apply offline by submitting a physical form through your employer or directly at the EPFO office, along with required supporting documents.
PAN is not always mandatory for withdrawal, but it is important for taxation purposes. If your service period is below five years and the withdrawal exceeds the prescribed limit, PAN helps ensure TDS is deducted at the lower applicable rate.
Form 31 is used for partial or advance withdrawal while you are still employed. Form 19 is meant for the final settlement of your EPF balance after leaving employment or at retirement, resulting in full withdrawal of accumulated funds.
There is no fixed number applicable to all cases. The frequency depends on the purpose of withdrawal and the EPFO guidelines. Certain purposes, such as marriage or education, may have limits on the number of times you can claim.
The withdrawal amount depends on the reason for the claim, length of service, and PF balance. It may range from a percentage of your contribution to a multiple of your monthly salary, subject to EPFO-prescribed limits.
Form 31 may be rejected due to incorrect bank details, unverified KYC, mismatch in Aadhaar information, incomplete documentation, or if eligibility conditions such as minimum service period are not met. Checking details carefully can help avoid rejection.
A claim may remain under process due to pending verification, employer confirmation, document scrutiny, or high claim volumes. Processing timelines can vary, and it is advisable to track the status regularly through the UAN portal or mobile app.
For medical claims, processing is usually faster compared to other purposes. In most cases, the claim may be settled within 3 to 7 working days, provided documents are complete and there are no verification issues.
No, Form 31 is meant for EPF advance or partial withdrawal only. Pension contributions under the Employees’ Pension Scheme are handled separately and typically require Form 10C or other applicable forms for withdrawal or transfer.
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