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Wish I was between jobs so that I could withdraw from my provident fund (PF) account to repay my home loan?“, remarked Sujoy. Yes, you can partially withdraw from you EPF while in service for repaying the housing loan, Marriage, Treatment, subject to prescribed conditions. This article talks about how one can do EPF partial withdrawal, for what purpose, how much can one withdraw and how many years of service one needs to have completed.

EPF Partial Withdrawal

For what purposes can one withdraw from the EPF?

Advance or Withdrawals may be availed for the following purposes after putting in at least 5 years of service. The amount that can be withdrawn depends on the purpose, depends on the number of years of service. How many times can one withdraw for the same reason depends on purpose, for example, one can withdraw for the marriage of self, son or daughter, brother or sister 3 times after one has completed 7 years of service. For marriage purpose, one can withdraw 50% of employee share but for treatment, one can withdraw up to 6 times of Wages. Wages here mean  Basic + Dearness Allowance, not your Take Home salary. Our article Salary, Net Salary, Gross Salary, Cost to Company: What is the difference takes about basic salary.

  • Marriage / Education
  • Treatment
  • Purchase or construction of Dwelling house
  • Repayment of Housing Loan
  • Purchase of Plot
  • Addition/Alteration of House
  • Repair of House
  • Lockout
  • Withdrawal Prior to Retirement

Note number of years of service is the total number of years you have contributed to EPF. It can be with multiple employers with or without breaks. The amount of withdrawal is not required to be refunded under normal circumstances. If the amount is not utilized, the same should be refunded with penal interest of 2% per annum. The image below gives an overview of how much can one withdraw and when

Partial withdrawal of EPF while working

Partial withdrawal of EPF while working

Overview of EPF

The table below gives the rates of contribution of EPF, EPS, EDLI, Admin charges in India.

Scheme Name Employee contribution Employer contribution
Employee provident fund 12% 3.67%
Employees’ Pension scheme 0 8.33%
Employees Deposit linked insurance 0 0.5%
EPF Administrative  charges 0 1.1%
EDLIS Administrative charges 0 0.01%

Should one withdraw from EPF?

EPF is meant for your retirement  So, EPF Partial Withdrawals should be your last resort. In earlier Hindi movies people used to withdraw money from EPF for marriage of daughter . In movie Ferrari ki saawari (2012), where Sharman Joshi wants to apply to EPF who wants to send his son to a cricket coaching camp at Lords, London. Sharman’s boss informs him that the wheels of loans against Provident Fund grind correctly but exceedingly slowly.

What is the process of EPF Partial Withdrawal?

You can do EPF Partial Withdrawal Online and Offline.

For Online Partial Withdrawal one should have activated Universal Account Number (UAN) and linked Aadhaar.

Online EPF Withdrawal: How to do Full or Partial EPF Withdrawal Online explains how to withdraw from EPF online

Offline One has to submit Composite Withdrawl Form Form 31, called as EPF Withdrawal or EPF Advance Form, through the Employer along with documents. A fixed minimum balance in the account will be kept before arriving at the amount of advance admissible subject to the above conditions.  In EPF’s Form 31, you need to provide your personal, PF account, salary and bank account details. Once the claim is processed, you will receive a direct credit to your bank account. Do note that only after your Employer verifies your partial withdrawal application the EPF office will process it. It would take a month to get the withdrawal amount.

EPF Partial Withdrawal For Marriage 

  • Under Para 68-k of the Scheme.
  • Whose marriage: Self, son, daughter, brother, sister
  • Eligibility : Should complete atleast 7 years of service.
  • How often can one withdraw for same purpose : 3 times in the entire service
  • Maximum Admissible Amount : 50% of Employee share at the time of tendering the application
  • Proof/ documents required : Marriage invitation card along with the application

EPF Partial Withdrawal For Education

  • Under Para 68-k of the Scheme.
  • Whose Education: self, son, daughter
  • Eligibility: Should complete at least 7 years of service.
  • How often can one withdraw for the same purpose: 3 times in the entire service
  • Maximum Admissible Amount: 50% of Employee share at the time of tendering the application
  • Proof/ documents required: Bonafide Certificate duly indicating the fees payable from the educational institution

EPF Partial Withdrawal For Medical Treatment

  • Under Para 68-j of the Scheme
  • Whose Treatment:
    • Self :
      • Hospitalisation for 1 month or more
      • major surgical operation in a hospital
      • suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment and having been granted leave by his employer for the treatment of said illness
    • Family: spouse, son, daughter, dependent father, mother
      • major surgical operation in a hospital and 1 month or more hospitalisation for the operation
      • suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment
  • Eligibility: No minimum service required.
  • How often can one withdraw for same purpose : Whenever required for treatment
  • Maximum Admissible Amount : 6 times of Wages OR Full of Employee share (whichever is less)
  • Proof/ documents required : Certificate from the doctor stating the hospitalization need. In case of any of the disease mentioned above certificate from specialist doctor.

EPF Partial Withdrawal For construction/ purchase of house/ flat

From Apr 2017, EPFO subscribers can withdraw up to 90 percent of their accumulations in their provident fund accounts for purchase/construction of houses or purchase of land. 

To purchase a house under this new scheme, the subscriber has to be a member of a cooperative society or a society registered for housing purpose and such society should have at least ten members. The subscriber can also purchase the flat/house or land from the government or any agency under housing scheme or any promoter or builder.

The retirement fund body will make the payment for purchase of the property to the housing agency – not to the provident fund subscribers.

The new rules also provide that that monthly instalment towards home purchase can also be paid from provident fund deposits. The monthly instalments will be directly paid to to the government, housing agency, primary lending agency or the bank concerned.

If the member fails to get allotted a flat or in the event of the cancellation of an allotment, the amount so withdrawn has to be refunded in one lump sum within a period not exceeding fifteen days from the date of such cancellation or non-allotment.

  • Under Para 68-B of the Scheme
  • Whose House: self . Property should be in the name of self or spouse or jointly. It should not be a joint property owned by other than the spouse
  • Eligibility: Should complete  3 (5) Years of service.  The rule applies to all those who together with their subscriber spouse have at least Rs. 20,000 in their accounts.
  • How often can one withdraw for same purpose : Only Once for either the construction or purchase of house or repayment of housing loan
  • Maximum Admissible Amount : 36 times of Wages
  • Proof/ documents required : Declaration in the Proforma obtained along with application signed by Member

EPF Partial Withdrawal Repayment of housing loan   

  • Under Para 68-BB of the Scheme
  • Whose House: self . The property should be in the name of self or spouse or jointly. It should not be a joint property owned by other than the spouse
  • Eligibility: Should complete 10 Years of service.
  • How often can one withdraw for the same purpose : Only Once for either the construction or purchase of house or repayment of housing loan
  • Maximum Admissible Amount: 36 times of Wages
  • Proof/ documents required: Declaration in the Proforma obtained along with application signed by Member

EPF Partial Withdrawal For the purchase of site/ plot  

  • Under Para 68-B of the Scheme
  • Whose House: self. Property should be in the name of self or spouse or jointly. It should not be a joint property owned by other than the spouse
  • Eligibility: Should complete 5 Years of service .
  • How often can one withdraw for same purpose : Only Once for either the construction or purchase of house or plot or repayment of housing loan
  • Maximum Admissible Amount : 24 times of Wages
  • Proof/ documents required : Declaration in the Proforma obtained along with application signed by Member. Copy of the Purchase Agreement

EPF Partial Withdrawal For Addition/Alteration of the house

  • Under Para 68-B(7) of the Scheme
  • Whose House: Property should be in the name of self or spouse or jointly. It should not be a joint property owned by other than the spouse.  Should have completed 5 Years after construction.
  • Eligibility : Should complete 5 Years of service .
  • How often can one withdraw for same purpose : Only Once for either the alteration or repair of the house
  • Maximum Admissible Amount : 12 times of Wages
  • Proof/ documents required : Annexure III (construction / completion certificate/ utilisation certificate) should be submitted

EPF Partial Withdrawal For Repair of the house 

  • Under Para 68-B(7) of the Scheme
  • Whose House: Property should be in the name of self or spouse or jointly. It should not be a joint property owned by other than the spouse.  Should have completed 10 Years after construction
  • Eligibility : Should complete 5 Years of service .
  • How often can one withdraw for same purpose : Only Once for either the alteration or repair of the house
  • Maximum Admissible Amount : 12 times of Wages
  • Proof/ documents required : Annexure XIII (construction completion certificate) should be submitted.

EPF Partial Withdrawal due to Lockout or closure of the establishment   

If you are not getting wage for last two months and your company is locked out or closed for at least 15 days, you can take a loan from EPF.,if there is balance in employee contribution.  If closure has been for more than 6 months, you can also use the employer’s contribution.

  • Under Para 68-H of the Scheme
  • Eligibility :
    • No minimum service required.
    • Should be closed for more than 15 days
    • Wages for atleast 2 months is not paid
  • How often can one withdraw for same purpose : Whenever need arises
  • Maximum Admissible Amount : 12 times of Wages
  • Proof/ documents required : Declaration

EPF Partial Withdrawal prior to retirement 

  • Under Para 68-NN of the Scheme
  • Eligibility :
    • No minimum service required.
    • Atleast 54 years of age
    • 1 year before retirement
  • How often can one withdraw for same purpose : Only once
  • Maximum Admissible Amount : 90% of total of both employee and employer share
  • Proof/ documents required : Certificate from the employer showing the date of retirement

EPF ADVANCE IN ABNORMAL CONDITIONS and Natural calamities

  • Under Para 68 L of the Scheme
  • Eligibility : Grant of advance in abnormal conditions, Natural calamities etc
  • How often can one withdraw for same purpose : Whenever need arises
  • Maximum Admissible Amount : Rs. 5000 or 50% of member’s own share of contribution (To apply within 4 months)
  • Proof/ documents required : Certificate of damage from appropriate authority.  State Govt. declaration.

EPF ADVANCE TO MEMBERS WHO ARE PHYSICALLY HANDICAPPED

To Physically Handicapped member for purchase of an equipment required to minimize the hardship on account of handicap.

  • Under Para 68 N of the Scheme
  • Eligibility : Grant of advance in abnormal conditions, Natural calamities etc
  • Maximum Admissible Amount : Basic wages+ Dearness allowance. For six months or own share of contribution with interest or cost of equipment which ever is least.
  • Proof/ documents required : Production of medical  certificate from a competent medical practitioner to the effect that he is physically handicapped     

Online EPF Partial Withdrawal

You should have activated your Universal Account Number (UAN). You need to link the following with your UAN

i) Your mobile number, which is in working condition (should be the same as registered with your Aadhaar card)
ii) Bank Account details and the IFSC Code of the branch

Step 1 is to log on to the UAN portal and enter your details.
Step 2 is to check whether the KYC details seeded are correct and verified or not.
Step 3 is to select the claim PF Part withdrawal (loan / advance)

Forms for Partial Withdrawal from EPF

On 20 Feb 2017 EPFO(Employees’ Provident Fund Organisation)  introduced Composite PF Claim Forms (Aadhar based and Non-Aadhar based) which replaces existing Forms No. 19, 10C, 31, 19 (UAN), 10C (UAN) and 31 (UAN). This is to simply the form for claiming the partial and full withdrawal from the EPF.

So one cannot use old Form 31 and Form 31 Declaration.

There are two versions of the composite form Aadhar based form and Non-Aadhar based Forms. You can either download them from EPF site or from below.

New Aadhaar based Composite EPF Withdrawal form ,

New Non Aadhaar based Composite EPF Withdrawal form ,

Sample Aadhar based form for EPF Withdrawal is shown below

EPF New Composite Claim Form for Full/ Partial Withdrawal using Aadhar and UAN EPF Partial Withdrawal

EPF New Composite Claim Form for Full/Partial Withdrawal using Aadhar and UAN

Sample Non-Aadhar based form for EPF Withdrawal is shown below

EPF New Composite Claim Form for Full/Partial Withdrawal without Aadhar and/or UAN EPF Partial Withdrawal

EPF New Composite Claim Form for Full/Partial Withdrawal without Aadhar and/or UAN

if you are taking advance for the following purpose, you no longer need to attach a declaration form with the application. Infact you don’t need at attach any document.

  • Flat or plot purchase
  • House construction
  • Alteration or addition
  • Repair of the house

In case the advance is for purchase of site/house/flat or construction through Agency or repayment of Housing Loan then indicate the name in whose favour the payment has to be made.

No Revenue stamp (Re. 1) is required to be affixed by the member

The employer will process your application after the verification. The employer should send the application the regional PF office. You should get the advance within a month.

Reference: EPFO Chennai’s webpage on advance and withdrawal , EPF rule book, read Section 68      

All About EPF,EPS,EDLIS, Employee Provident Fund

Related Articles:

Have you withdrawn from EPF? How was the process? Did you claim your EPF between jobs? Do you consider EPF should be untouched for retirement?

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