⚡ Quick Summary
Need money urgently? You don't need your employer's signature anymore. You can apply for a non-refundable **PF Advance (Form 31)** online through the UAN Portal. If applied under "Illness" reason, money is usually credited within 3 to 7 working days.
How to Withdraw PF Advance (Form 31) Without Leaving Job
Need urgent funds for a medical emergency, marriage, or home construction? You can withdraw a portion of your EPF savings online while still working. The money typically credits within 3 to 7 days.
Warning: Avoid PF Agents
Beware of agents promising "100% PF Withdrawal in 1 Hour". They charge heavy commissions (10-20%) and may steal your data.
The Process is Free: You can do it yourself on your phone. Never share your UAN password or OTP with anyone.
Secret to Faster Approval
Most claims get rejected because of the wrong "Reason" selected.
Why 30% of Claims Get Rejected
Applying is easy, but getting approved requires precision. Most claims fail because:
- ❌ KYC Not Verified: Your Aadhaar or Bank Account details don't match UAN records.
- ❌ Blurry Cheque: If the IFSC code or Name isn't clearly visible in the uploaded photo, it will be rejected.
- ✅ Solution: Follow the checklist below before applying.
Requirements Checklist
- ✅ Active UAN: Login must be working.
- ✅ KYC Done: Aadhaar & Bank linked & approved.
- ✅ Cheque/Passbook: Scanned copy (JPG/JPEG, 100KB-500KB).
Interactive Checklist
1 Eligibility: How much can you withdraw?
The amount depends on the Reason you select. Choose carefully to get the maximum amount.
| Reason (Para) | Service Required | Max Limit |
|---|---|---|
| Illness | No minimum service | 6 Months Basic Salary (DA) OR Employee Share (whichever is lower) |
| Marriage | 7 Years Service | 50% of Employee Share |
| House Purchase | 5 Years Service | 90% of Total Fund (Both Shares) |
| COVID-19 | No minimum service | 3 Months Basic Salary OR 75% of Balance |
2 Step-by-Step Withdrawal Process
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1
Login to Unified Portal
Visit the EPFO Member Interface. Log in with your UAN, Password, and Captcha.
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2
Go to Claims
In the top menu, click on Online Services > Claim (Form-31, 19, 10C & 10D).
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3
Verify Bank Account
The page will show your details. Enter the last 4 digits of your bank account number and click 'Verify'. Accept the "Certificate of Undertaking".
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4
Fill Form 31
Click "Proceed for Online Claim". Under 'I want to apply for', select PF Advance (Form 31).
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5
Upload & Submit
Select Purpose (e.g., Illness). Enter the amount required. Upload the scanned cheque/passbook. Enter OTP sent to Aadhaar mobile and click "Validate OTP and Submit Claim Form".
📸 Upload Rules (Avoid Rejection)
The system is strict. Your uploaded file MUST match these criteria:
- 📂 Format: JPG or JPEG only (No PDF).
- ⚖️ Size: Minimum 100KB, Maximum 500KB.
- 👀 Visibility: Name, IFSC, and Account Number must be clearly legible.
- ✍️ Cheque: Must be a "Cancelled Cheque" with your name printed on it.
Crucial Mistakes to Avoid
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🚫
Applying without Exit Date:
If you have left the job, mark your "Exit Date" first. If you apply for Advance *after* leaving, it might be rejected. Use Form 19 for full withdrawal instead.
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🚫
Bank Details Mismatch:
The name on your bank account must match the name in EPFO records character-by-character.
Frequently Asked Questions
How many times can I withdraw for Illness?
There is no fixed limit on the number of times you can withdraw for illness, provided you have a sufficient balance in your account.
Is PF Advance taxable?
No. Advance withdrawal under Form 31 is completely tax-free (TDS is not applicable) as it is considered financial assistance, not income.
Can I withdraw if my Pan is not linked?
For amounts below ₹50,000, PAN is not mandatory but highly recommended. For amounts above ₹50,000, PAN linking is mandatory to avoid high TDS.