Naukri chhodi toh pehla sawaal yahi aata hai – ab PF kaise nikalein? Pehle is kaam ke liye EPFO office ke chakkar, employer ke signatures aur mahino ka intezaar karna padta tha. Lekin 2026 mein yeh process poori tarah badal gayi hai. EPFO 3.0 ke zariye ab 95% claims auto-settlement se process ho jaati hain aur paise ghanton mein aa jaate hain – mahino mein nahi. Bajaj Finserv
Sabse bada badlav yeh hai ki auto-settlement limit Rs. 1 lakh se badhkar Rs. 5 lakh ho gayi hai. Matlab Rs. 5 lakh tak ke eligible claims ab bina kisi manual verification ke automatically process ho jaate hain. Is guide mein poora online withdrawal process clearly explain kiya gaya hai. Bajaj Finserv
PF Withdrawal Se Pehle Yeh 4 Cheezein Check Karo
PF withdrawal claim file karne se pehle yeh zaroori hai ki aapke paas yeh sab sahi ho: Bajaj Finserv
- UAN: 12-digit Universal Account Number active hona chahiye Bajaj Finserv
- KYC: Aadhaar card, PAN card aur bank account UAN se linked aur verified hone chahiye Bajaj Finserv
- Mobile Number: Aadhaar se linked mobile number active ho kyunki OTP usi par aayega Bajaj Finserv
- Date of Exit: Agar naukri chhodi hai toh purane employer ne EPFO portal par aapka exit date update kiya hona chahiye Bajaj Finserv
Agar KYC update nahi hai toh PF withdrawal block ho jaata hai. Withdrawal se pehle KYC verify karna compulsory hai. Bajaj Finserv
Kaunsa Form Bharna Hoga
Sahi form choose karna bahut zaroori hai warna claim reject ho sakta hai:
- Form 19 – Naukri chhodne ke baad poora PF withdraw karne ke liye. Kam se kam 2 mahine unemployed rehne ke baad hi full settlement ho sakta hai Cleartax
- Form 10C – EPS yaani pension amount withdraw karne ke liye agar service 10 saal se kam ho Cleartax
- Form 31 – Naukri ke dauran partial PF advance lene ke liye – medical emergency, shaadi, education ya ghar khareedne ke liye Cleartax
Kitna PF Nikal Sakte Hain
Full PF withdrawal sirf retirement par ya 2 mahine ki unemployment ke baad allowed hai. UIDAI
Partial withdrawal ke rules:
- Medical emergency ke liye: EPF balance ka 75% turant nikal sakte hain jUMPP Blog
- Shaadi ya higher education ke liye: 7 saal ki EPF membership ke baad employee share ka 50% nikal sakte hain jUMPP Blog
- Ghar kharidne ya banwane ke liye: 5 saal ki membership ke baad allowed hai
2026 mein ek nayi rule aai hai – EPFO ab mandate karti hai ki aapke total corpus ka 25% retirement ya 58 saal ki age tak locked rehega. Matlab poora PF ek sath nahi nikal sakta employment ke dauran. BankBazaar
Step-by-Step PF Withdrawal Online Process
Step 1 – EPFO Member Portal Par Login Karein
Official portal: unifiedportal-mem.epfindia.gov.in
Ya EPFO ki main site epfindia.gov.in par jaiye aur “For Employees” section mein “Member UAN/Online Service” select karein.
Apna UAN, password aur captcha enter karke login karein. National Portal of India
Step 2 – KYC Status Check Karein
Login hone ke baad “Manage” tab mein jaiye aur “KYC” option select karein. “Digitally Approved KYC” section mein check karein ki Aadhaar, PAN aur bank details sab verified hain ya nahi. National Portal of India
Agar koi detail pending hai toh pehle woh update karo. KYC complete hone ke baad hi aage badhein.
Step 3 – Online Services Mein Claim Select Karein
Top mein “Online Services” tab par click karein aur dropdown se “Claim (Form-31, 19, 10C & 10D)” select karein. Bajaj Finserv
Step 4 – Bank Details Verify Karein
Screen par aapki details dikhengi. Bank account ke last 4 digits enter karein aur “Verify” par click karein. Verification hone ke baad “Proceed for Online Claim” button par click karein. Bajaj Finserv
Step 5 – Sahi Form Select Karein
“I want to apply for” dropdown mein jaiye aur apni situation ke hisaab se Form 19, Form 31 ya Form 10C select karein. Bajaj Finserv
Step 6 – Details Bhare Aur Document Upload Karein
Required information fill karein. Cancelled cheque ya bank passbook ki clear photo upload karein. Aadhaar linked mobile par aaya OTP enter karke claim submit karein. Bajaj Finserv
Step 7 – Claim Status Track Karein
Claim submit hone ke baad EPFO portal par “Track Claim Status” option se status check kar sakte hain. UMANG app se bhi status track hota hai. Missed call se check karne ke liye 9966044425 par call karein registered mobile se. Cleartax
Step 8 – Paisa Bank Mein Aana
KYC complete hone par online claims 3 se 5 working days mein settle ho jaati hain aur paisa seedha bank account mein aa jaata hai. Rs. 5 lakh tak ke eligible claims 72 ghanton mein auto-settle ho jaate hain. Bajaj FinservBajaj Finserv
PF Balance Kaise Check Karein
Withdrawal se pehle apna balance check karna zaroori hai. Teen tarike hain:
- Missed Call: Registered mobile se 011-22901406 par missed call dein BankBazaar
- SMS: “EPFOHO UAN ENG” type karke 7738299899 par send karein BankBazaar
- UMANG App: Login karke “View Passbook” service use karein BankBazaar
TDS Aur Tax Ka Kya Hoga
PF withdrawal par tax service period ke hisaab se decide hota hai. Agar PAN link nahi hai toh TDS 30% kat sakta hai. National Portal of India
FY 2026-27 se purana Form 15G ab accepted nahi hai. Ab TDS exemption ke liye nayi “Form 121” use karni hogi. Agar total income taxable limit se kam hai toh Form 121 online claim ke saath upload karein. BankBazaar
Common Mistakes Jo Avoid Karni Chahiye
- Naam mismatch hona – Aadhaar aur bank records mein naam alag hone par claim reject ho jaata hai. Fix karne ke liye Joint Declaration Form submit karna padta hai jUMPP Blog
- Galat form select karna – Form 19, 10C aur 31 ke alag-alag use hain. Galat form choose karne par claim reject hota hai
- Cheque scan unclear hona – Officer cheque ka naam ya IFSC nahi padh paya toh claim reject ho jaata hai. Clear aur bright light mein photo lo jUMPP Blog
- Exit date update na hona – Agar purane employer ne exit date portal par update nahi ki toh full settlement nahi hoga. Employer se follow up karo ya EPFO helpline par contact karo
- Naukri ke dauran full withdrawal try karna – Employment ke dauran poora PF nahi nikal sakta. Sirf partial advance allowed hai specific reasons ke liye BankBazaar
- EPS pension ka hissa bhoolna – Agar service 10 saal se kam hai toh Form 10C se pension amount bhi withdraw kar sakte hain. Zyaadatar log yeh bhool jaate hain jUMPP Blog
Aksar Puche Jaane Wale Sawal (FAQs)
Q1. Kya employer ki permission ke bina PF nikal sakte hain? Haan. Agar Aadhaar UAN se linked hai aur bank KYC digitally approved hai toh employer ke physical signature ya permission ki zarurat nahi hai. Poora process online ho jaata hai. jUMPP Blog
Q2. Job change ke baad purana PF kaise transfer karein? UAN portal par “One Member – One EPF Account” service use karein. Previous employment details aur employer’s establishment code se online transfer request submit karo. Yeh process paperless hai aur purane aur nayi employer dono online approve karte hain. BankBazaar
Q3. Kya 2026 mein PF ATM se nikal sakta hai? EPFO 3.0 ke tahat UPI-based withdrawals aur special EPFO ATM card facility introduce ki ja rahi hai jo emergency mein PF funds tak instant access degi. Yeh feature gradually rollout ho raha hai. Bajaj Finserv
Conclusion
PF aapka apna paisa hai – aur 2026 mein ise nikalna pehle se kaafi aasaan ho gaya hai. Pehle KYC complete karo, sahi form chunein aur OTP se submit karo. Rs. 5 lakh tak ka claim ab 72 ghanton mein settle ho jaata hai. TDS bachane ke liye Form 121 upload karna mat bhoolo. Koi bhi sawal ho toh neeche comment zaroor karein.
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