Full final settlement
After 2 months of continuous unemployment (or retirement).
- Form 19 + 10C filed together
- UAN KYC must be complete
- TDS 10% if PF withdrawn before 5 years
- Form 15G to avoid TDS (if income < threshold)
EPF Withdrawal
Withdraw your EPF - Form 19, 10C, 31 - the right one.
Employees Provident Fund withdrawals are governed by Form 19 (final settlement after 2 months of unemployment), Form 10C (pension scheme), and Form 31 (partial advance for medical, marriage, housing). Each form has its own eligibility, tax treatment and supporting documents.
Qualified CA / CS partners10-25 working daysBest for: Resigned / retired employees, partial advance seekers
Starting at
₹1,499 per claim
EPF Withdrawal
Resigned / retired employees, partial advance seekers
Form 19 / 10C / 31 selection
UAN + KYC + Aadhaar seeding
TDS / Form 15G handling
Online + offline claim filing
Timeline
10-25 working days
What it is
EPF Withdrawal, explained in plain English.
The EPF & MP Act, 1952 governs three withdrawal types: full final settlement on retirement or 2 months post-resignation (Form 19 + 10C), partial advance for life events under specific clauses (Form 31), and pension settlement on retirement (Form 10C for service < 10 years, Form 10D pension for >= 10 years). Each is filed online via the EPFO Unified Portal using a verified UAN.
TL;DR
Full settlement = Form 19 + 10C (after 2 months unemployment). Partial advance = Form 31 (purpose-tagged). Pension = Form 10C / 10D. Withdraw < 5 years service = taxable.
Key terms
The vocabulary you'll see on the portal.
Form 19
Final PF settlement claim - filed after 2 months of unemployment (or immediately on retirement).
Form 10C
Pension scheme settlement / scheme certificate for service < 10 years.
Form 10D
Pension drawing for members with >= 10 years contributory service.
Form 31
Partial advance withdrawal for medical, marriage, housing, education.
UAN
Universal Account Number - permanent EPF ID across employers; activated and KYC-verified once.
Routes & scenarios
Match the situation to the right fix.
Partial advance (Form 31)
For specific permitted purposes - medical, marriage, housing, etc.
- Purpose-specific eligibility + cap
- No TDS regardless of years
- Documents per purpose code
- Service-period minimum varies (5-7 years)
Switching jobs
Better to transfer (Form 13) than withdraw - keeps interest tax-free and tenure continuous.
- Form 13 / online transfer claim
- Service period adds across employers
- Continues to qualify for pension
- Avoids 10% TDS
The process
EPF Withdrawal - from kickoff to confirmation.
01
UAN check
We verify UAN status, KYC completion (PAN + Aadhaar + bank), and date-of-exit recorded by employer.
02
Form selection
19 / 10C / 31 picked by case; for partial advance, the purpose code is locked.
03
Online filing
Filed via Unified Portal with Aadhaar OTP; Form 15G uploaded if applicable; tracking ID shared.
04
Settlement
EPFO processes in 10-25 days; payment to seeded bank; follow-up if rejected or returned for correction.
Documents required
What we'll need from you.
Upload via our secure portal. We pre-check every scan before filing - cuts portal rejections by ~90%.
UAN + activated portal credentials
PAN + Aadhaar (KYC-seeded)
Bank passbook / cancelled cheque
Date of exit (employer should have marked)
Form 15G (if PF withdrawn before 5 years + low income)
Purpose proof (for Form 31 - hospital bill, marriage card, etc.)
EPF Withdrawal FAQ
Common questions, answered by partners.
Still unsure if EPF Withdrawal is right for your case? Book a free 20-minute consult - a senior CA / CS will walk you through your specifics.
Still have questions?
Book a free 20-minute consult with a senior partner - we'll walk through your case and outline next steps.
Talk to a partner →If contributory service is 5 years or more, withdrawal is fully tax-exempt under Section 10(12). Withdrawal before 5 years is taxable as 'salary' for the employer's contribution + interest, and as 'other sources' for the employee's interest. TDS 10% applies if PAN is linked.
Ready when you are
Let's get your EPF Withdrawal sorted this week.
A senior CA / CS will get on a call with you, confirm scope and start the work - usually within 24 hours.