How to withdraw EPF online: UAN portal, ATM, and UPI
The claim process, the right form, and EPFO 3.0's instant withdrawal rules.
Every EPF withdrawal used to mean the same UAN portal claim process, whatever the reason. Since EPFO 3.0 took effect, there’s a second, much faster path for smaller amounts — but the original process still handles everything the instant option doesn’t.
Standard EPF withdrawal via the UAN portal
- Log in to the UAN Member Portal with your UAN and password.
- Verify your KYCunder Manage > KYC — Aadhaar, PAN, and bank account details all need to be linked and verified before a claim can be filed.
- Go to Online Services and select Claim(Form-31, 19, 10C & 10D), then verify your bank account details when prompted.
- Fill in the claim details for the specific withdrawal reason and form type that applies to you.
- Verify with Aadhaar OTP and submit — no employer approval is needed for most claims filed this way.
- Track your claimfrom the same portal until it’s processed.
Estimate your Employee Provident Fund corpus at retirement age.
Which claim form do you actually need?
- Form-31 — partial withdrawal (advance) for a specific purpose: home purchase, medical emergency, education, or marriage, while still employed.
- Form-19 — full and final EPF settlement, typically after retirement or extended unemployment.
- Form-10C — the EPS withdrawal benefit, a one-time lump sum instead of a monthly pension, for members with under 10 years of pensionable service.
- Form-10D— the actual monthly EPS pension claim, once you’re eligible for it rather than the lump-sum alternative.
The EPF Calculator above already projects both outcomes — your EPF corpus and your estimated EPS pension — so you know roughly which form’s numbers to expect before you file either one.
EPFO 3.0: instant withdrawal via ATM or UPI
EPFO 3.0’s new rules, in effect since 29 June 2026, add a second, much faster EPF withdrawal option for members with full KYC (UAN linked to Aadhaar, PAN, and a verified bank account): a PF withdrawal card usable at any ATM, or a QR code generated through the UMANG app for withdrawal at a UPI-enabled ATM or straight to a verified UPI ID.
ATM withdrawals are capped at 50% of your eligible advance amount; UPI withdrawals can go up to 75% of your balance. Either way, at least 25% of your total PF balance has to stay in the account at all times — EPFO 3.0 is built for fast access to part of your balance, not a replacement for the full-settlement claim process above.
All figures are indicative and for educational purposes only, not financial advice.
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