What is the difference between EPF forms 31, 19 and 10C?

The EPF form 31 is used for withdrawing funds in advance. Form 19 allows individuals to withdraw EPF funds after retirement, and the 10C form helps to claim the withdrawal benefit of EPF as per the Employees’ Pension Scheme.

How to check the Form 31 claim status?

You can check Form 31 claim status by entering your UAN number and password to access the UAN portal. Then check the claim status and choose the location of the PF office. Employees need to enter their pay slip establishment code and the 7-digit account number to avail a status report.

Why is your EPF form 31 rejected?

There are numerous reasons behind the rejection of your EPF withdrawal form 31. You may have already filed the claim before or you failed to submit the signed claim form within 15 days of the online claim application.

How to Withdraw Funds Using EPF Withdrawal Form 31?

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The Employee Provident Fund (EPF) is a government-backed savings scheme, which helps employees to make their post-retirement life secure. Sometimes it becomes necessary to withdraw funds due to some emergencies. The EPF withdrawal form 31 allows individuals to withdraw accumulated funds from their accounts in advance during these situations.

This blog guides you through the process of advance EPF withdrawal with the help of the form.

Purpose and Conditions for Partial Withdrawal from EPF

You can withdraw accumulated EPF savings in advance using EPF withdrawal form 31. The below table shows the purpose, conditions and times when you can withdraw funds using EPF form 31 for partial withdrawal:

Purpose	Withdrawal limit	Number of years in service required	Other conditions to fulfill
Medical purposes	Six times of monthly basic salary or employees’ total share, whichever is lower.	NA	Medical treatment for spouse, self, children, and parents
Education	Maximum of 50% to the contributions of employees	7 years	Eligible for account holder’s education or child’s education for 10th standard
Marriage	50% of employees’ contribution to EPF	7 years	Marriage for self, brother/sister, and son-daughter
Home Loan Repayment	i. Maximum of 36 times of monthly basic salary and dearness allowance.	10 years	i. Property should be registered in the name of the employee or spouse or jointly with the spouse.
	ii. Overall corpus with employer and employee's contribution, and interest		ii. Withdrawals can be made based on the furnishing of necessary documents as stated by the EPFO.
	iii. Total outstanding principal and housing loan interest.		iii. The accumulated amount in employees' PF accounts has to be more than ₹20,000 without interest.
Purchase of land/property	For Land: Up to 24 times of basic monthly salary and dearness allowance of the employees, or share of employees, including the addition of interest or cost, which is lower. For House: A maximum of 36 times of employees’ basic monthly salary and dearness allowance or share of employees, which includes interest or cost, which is lower.	5 years	The property must be in the name of a member or spouse, and it can be owned jointly too.

How to Download EPF Form 31?

To request a partial withdrawal, EPF withdrawal form 31 is required. Below are the steps by which you can download this form online:

Step 1: Log in with your UAN and password in the EPFO member portal.

Step 2: Click on the 'Online Services' tab and select 'Claim' for online requests.

Step 3: After clicking on 'Claim', you will find a new page where you have to put your name, date of birth, father's name, Aadhaar number, PAN number, company joining date and mobile number.

Step 4: To ensure all information is correct, you can click 'Proceed for Online Claim'.

Step 5: In the drop-down option, you need to enter the type of claim. Choose ‘PF ADVANCE (FORM 31)’.

Step 6: Choose your purpose to claim for partial withdrawal like illness, natural calamities, and issues in wage receipt. You must also enter the desired amount and your address.

Step 7: Sign the disclosure and click on the ‘Get Aadhaar OTP’ button.

After clicking the button, you will receive an OTP which you must authenticate. By entering the OTP and clicking on ‘Validate OTP and Submit Claim Form,’ you complete the procedure of EPF Form 31 download online.

How to Submit EPF Form 31 Offline?

If you want to submit the form physically, you need to download it from the UAN portal. To fill out EPF withdrawal form 31 in offline, you should follow the below steps:

Step 1: Fill out and sign EPF withdrawal form 31 after downloading it.

Step 2: Ensure your employer validates your certificate, by filling all the required information and attesting all relevant enclosures.

Step 3: Submit the form to the EPF office which is responsible for your jurisdiction.

How to Submit EPF Form 31 Online?

You have to submit the form in the UAN portal to withdraw the funds from EPF online. Follow the simple steps to submit the EPF withdrawal form 31 online:

Step 1: Visit the official UAN portal.

Step 2: Enter the UAN number and password and click on ‘Sign In’.

Step 3: Click on 'Online Services' and choose any one from Form-31, 19, 10C, and 10D from the list.

Step 4: By entering the last four digits of your account number, verify your bank account.

Step 5: Click ‘Yes’ when you will be asked to agree to the terms and conditions of the Certificate of Undertaking.

Step 6: After selecting the ‘Proceed for Online Claim’ option, choose ‘PF Withdrawal’.

Step 7: Choose the 'PF Advance Form' and enter your withdrawal information like the amount and the purpose.

Step 8: After the completion of the form, click ‘Submit’. You will easily complete the online application process to submit EPF form 31 online.

Final Word

EPF withdrawal form 31 is beneficial to apply for the advance withdrawal of funds from EPF savings. In terms of emergencies like medical purposes, education, marriage, home loan repayment and others, employees can fill up this form and submit it both online and offline.

Besides withdrawing funds from your EPF savings, you can also liquidate your investments, such as fixed deposits. Download the Stable Money app to avail interest up to 9.50%!