Your Provident Fund (PF) account holds significant savings for your retirement. The Employees’ Provident Fund Organisation (EPFO) manages this government scheme, with contributions made by both the employer and the employee. If you need to access your accumulated PF funds, the EPFO provides methods for withdrawal. This article explains how PF employees can withdraw money from their accounts and check their balance.
Accessing Your PF Funds: A Step-by-Step Guide
To begin the withdrawal process, navigate to the official EPFO portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/. Once on the portal, enter your Universal Account Number (UAN) and password, then complete the captcha and click “Sign In.”
After logging in, it is crucial to verify your Know Your Customer (KYC) status. Go to “Manage” and then click on “KYC.” Here, you can confirm whether your Aadhaar, PAN, and bank details are verified. This verification is essential for a smooth withdrawal process.
Next, proceed to “Online Services” and select “Claim (Form-31, 19, 10C & 10D).” Your account number will appear, and you will need to re-enter it for verification before clicking “Verify” and continuing.
You will then be prompted to choose the Claim Type. To withdraw the entire fund, select “Only PF Withdrawal (Form 19).” If applicable, you may also choose “Pension Withdrawal (Form 10C).” For specific needs such as medical expenses, education, or marriage, opt for “Advance/Partial Withdrawal (Form 31).” After selecting the appropriate claim type, you will need to input any other required information for the withdrawal. Once all details are entered, click “Submit.” You will receive an acknowledgment that you can save for future reference. Typically, the money is credited to your bank account within 5 to 20 days.
Checking Your PF Balance with a Missed Call
For a quick and easy way to check your PF account balance, you can use the missed call facility. From your registered mobile number, make a missed call to 9966044425. The call will disconnect automatically after ringing.
Within a few seconds, you will receive an SMS on your mobile phone providing details of your PF balance and your latest contribution. There are no charges for using this convenient service.
