PF withdrawal gets easier


Employees can now withdraw their provident fund money without employers’ permission.

There was a time when changing companies meant a fresh PF account. As the withdrawal of money from the account was a cumbersome exercise, many employees preferred to give up on their PF money. The government then allowed employees to carry on with the same PF account through universal account number or UAN. Still, withdrawing money from the PF account remained an exhausting exercise as it required approval from the respective employers.

Now, there is yet another change in the rule. The withdrawal procedure has been simplified! Employees can now withdraw their provident fund money without the employers’ permission. The statutory requirement of obtaining prior approval from employers is no longer a necessity.

The Employees’ Provident Fund Organisation (EPFO), vide its circular dated 1 December 2015 (No WSU/10(1)2011/Changes in MAP/31406), has notified this change with immediate effect.

This benefit can be availed by employees whose details, such as Aadhaar number and bank account number, have been linked to the EPF universal account number (UAN) and whose know-your-customer (KYC) verification has been done by the employer (using digital signature).

After linking their Aadhaar and bank account numbers to the UAN and activating the same, employees will need to submit claims in Form 19, Form 10C and Form 31, directly to the concerned regional provident fund commissioner, as per specifications of the central provident fund commissioner, for fast settlement of claims. Attestation of their employers will not be required.

However, it has been observed that many EPF subscribers have still not activated their UAN on the EPFO portal due to lack of awareness amongst the employees. Pending KYC or lack of digital signature of the employers is yet another constraint.

Increased employee participation through linking of details with UAN and adoption of the new withdrawal process is expected to ensure seamless employee transitions with minimum administrative delays and employee disputes.


  1. Hi,

    The above info is useful.
    Information on Family pension which is deducted along with PF will be useful if published. Points that users will be interested, what is happening to the monthly contribution ( rs. 1250/- pm). Is there a portal where information related to user, id, account no ( UAN equivalent), total duration of service etc. What is the pension that will be received at retirememt.. etc.


  2. Good thing ..that u need not hv to take consent of your employer which was really a cumbersome. ..but then linking aadhar , UAN etc again Wud b difficult. .better if it can b withdrawn based on the KYC…

  3. Linking Aadhar to be dispensed with as getting the same is still a time consuming one. Minimum 3 months time provided that too not able to get the same by many irrespective of chasing for the same. UAN and Bank Account is the right option and Aadhar can be optional for those who has the same. Further how an employee can able to know the KYC approval from employer needs to be clarified.

  4. Hi,

    Currently I’m having three PF Account, 1 is for my current organization and 2 are for previous organization.

    Please suggest me,
    1. Is linking of these two older PF account with my current PF account is possible and Is it useful and good option.

    2. Or withdrawal from those two older PF account is a right choice.


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