Dear Friends,

1. PF Withdrawal upon resignation:

Upon resignation, an employee can either withdraw or transfer his/her PF amounts at his desire.

a) For Withdrawal: In order to withdraw the PF/Pension funds, you have to submit Form 19 and 10 C, preferably through your employer. Depending upon the attitude and working capabilities of employees in the respective EPF Office, it will take 45 to 60 days to get your balance credited to your bank account. Withdrawals of PF can be done only after a 60-day period after resignation.

Form No. 19 is for Provident fund withdrawal & Form No. 10 C is for Pension scheme withdrawal. I have attached both the forms for your reference.

b) For Transfer: For transfer, you have to get Form 13 submitted through your present Company, but you need to know your earlier PF account number, etc.

Also, you need to provide the following details to your current company:

- Name and address of the previous company from which PF is still pending to be claimed.
- Group Code of the previous company.
- Date of Joining and date of leaving from the previous company.
- Your PF number from the previous company.

2. PF withdrawal during Working period:

The Provident Fund members can avail advances/partial withdrawals subject to certain conditions like Marriage for self and dependent sisters, brothers, etc., purchasing a dwelling house or repayment of housing loan, specified medical treatments, closure of establishment, etc.

You need to submit FORM 31 for claiming the amount. But the PF authorities will sanction only if you satisfy the qualifying conditions. I have attached a document "Guidelines for PF withdrawal" that gives you a clear idea of on what grounds an employee can withdraw PF during his/her working period.

Hope this information is of some use to you. Seniors, please add your comments and suggestions. Please correct me if I am wrong anywhere. I just shared what I knew.

Have a great day ahead.

Regards,
Babu

From India, Madras
Attached Files (Download Requires Membership)
File Type: pdf 10c_form_pension_fund_132.pdf (68.5 KB, 28531 views)
File Type: pdf 19_form-withdrawal_pf_127.pdf (121.9 KB, 7480 views)
File Type: doc Guide Lines for PF Withdrawal.doc (55.0 KB, 10293 views)
File Type: pdf 13revised.pdf (24.2 KB, 5315 views)

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Hi Babu,

Great efforts! There have been many queries about PF lately, and it's a good compilation of all necessary requirements and formalities related to PF in one place. It is the efforts of people like you that make this forum so innovative and special. Keep up the good work.

Regards,
Archna

From India, Delhi
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Greetings,

I second Archana. I am saving this post on the CiteHR New Member's Group repository for everyone to refer to. Thank you for this effort. We truly appreciate it!

Regards, (Cite Contribution)

From India, Mumbai
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Hi can you please suggest me any training centre if I wants to get full training about statutary compliese all the laws
From India, Pune
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Useful for everyone. Seen a lot of queries for the same.

In this regard, I have one query. My PF amount is pending from my previous employer. I tried to withdraw the same, but it was rejected on the basis that it was for less than 6 months. I am willing to get it transferred to my current employer.

Now, in case I change my current job, I will have two PF accounts (Previous & current) to be transferred to my new PF account. How can such cases be proceeded? What is the best course of action?

Regards,
Shweta

From India
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Hi,

I had my PF account with EPFO Faridabad, and my company was also in Faridabad. I have completed withdrawal forms, including Form 3A. Now I need to submit them to the PF office in Faridabad. Is it possible to send the forms by courier or post, or do I need to submit them myself? Please suggest as I am no longer residing in NCR.

Regards,
Yogesh 9910093792

From India, Lucknow
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If you want to transfer your PF amount to your new PF account with your current employer, you need to fill out Form 13 and submit it to your current employer.

If you wish to withdraw your PF money, you need to fill Form 19 and Form 10 C. After filling them out, send these forms to your last employer to fill in the employer's contribution and your contribution for the current year. Finally, get the signature and stamp of your last employer and submit these forms to the PF Department in Faridabad. Do not forget to receive an acknowledgment slip after submitting them.

Taru


From India, New Delhi
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Hi Shweta,

I have not heard that they cannot settle your PF account on account of less than 6 months' contribution. Your employer must not have filed the return to the PF department, hence making these excuses. Have you received these comments in writing/on paper?

Taru


From India, New Delhi
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hi Babu, Good effort by you. Please keep giving ur best. Best of luck. Regards Anirudh HR Exe
From India, Delhi
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Dear Taru,

I sent it myself to the PF department, received the acknowledgment, and after some days, the form was returned, which I received from the PF department only. The reason for rejection was mentioned as the contribution is less than 6 months.

Regards,
Shweta


From India
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Dear Babu,

It is truly nice to see all the details that are very pertinent for any employee regarding PF and its Forms. This is an answer to many queries raised on a day-to-day basis by the CiteHRians on the above subject. Once again, thanks a lot.

Ravula Subbaa Rau

From India, Hyderabad
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Hi,

I left my last company in December 2007, but I didn't withdraw my PF amount. Now somebody told me that you can withdraw your PF money before the 31st of March 2011; otherwise, your account will be forfeited. Kindly guide me in this regard.

Regards,
Rakesh

From India, New Delhi
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Dear Babu, It is really a great effort. There is small query regrding AD form which needs to be attached along with the withdrawl form. Please guide. Regards Swetank
From India, Delhi
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You are not clear whether form-19 & form 10-c return to you, or only form-10-c returns to you. As per the new rules, if there is less than a 6-month service, the family pension amount is forfeited, and they return form-10-c. In less than a 6-month P.F. service, only form-19 is settled.

Mayank

From India, Ahmadabad
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My withdrawal was done totally right, but in Maninagar, Ahmedabad, Gujarat P.F. branch, during the return form submission, they informed the employee to submit transfer form-13 because, due to your current age, you need to join another PF company/establishment. Can they process the withdrawal?

Mayank

From India, Ahmadabad
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Dear Seniors,

I have certain queries regarding this. Do we need to complete a 5-year tenure to avail any loans or withdraw PF amount? Our accountant mentioned that we cannot access these facilities until we complete a 5-year tenure after filing PF.

Could you please assist me with this?

Chaitanya

From India, Hyderabad
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While submitting withdrawal claims, you have to write your phone number on the right side top portion and attach a cancelled cheque or bank passbook copy. If there is a time gap, you should also attach a letter stating the reason for the late claim.
From India, Mumbai
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Hi,

I have a question related to PF withdrawal. Although you have excellently replied to all the general queries related to the subject, I have a question. Is it really necessary to withdraw your PF amount through the employer only? I have a case that is in discussions between my friends. One of our colleagues has recently joined us, and he has not served his desired notice period with the previous employer. Now, the previous employer is not ready to sign his PF application. In such cases, what is the other option left for the employee? Can he apply for his PF withdrawal by getting the form signed by a gazetted officer, or is there any option of withdrawal on a self-declaration basis?

Thank you.

From India, Chandigarh
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Applying before 31st March 2011 is a better option because due to a lack of money with the PF government, it is proposed in the budget that after 31st March 2011, one can only withdraw his/her PF amount after the retirement age of 58; before that, it can only be transferred. As this is yet to be approved by the Ministry.


From India, Mumbai
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hi babuthanx 4 d information.all others have really added up in that information.thanxsamsheen
From India, Ludhiana
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Dear Babu,

Great efforts! I think this way, a lot of unsolved cases can be closed. I would like to know, as per the PF Act, whose responsibility it is to submit the form for withdrawal of the Provident Fund. Is it the employee who has already left the company, or is it the last employer who has to submit it to the PF authorities after completion and endorsement of accumulations?

From India, New Delhi
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It actually depends on the employee's interest. If an employee wants to have their accumulated PF transferred after joining a new company, they can go for it. Otherwise, if the employee prefers to withdraw it, then it is the employee's responsibility to request the HR of their previous company for PF withdrawal.

- Babu

From India, Madras
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He can get his Form 13 signed from any of the following and then needs to be submitted in the PF office:
1. Manager of the bank where he has the savings account.
2. Head of the educational institute.
3. A gazetted officer.
4. The Magistrate.
5. President of the village/Panchayat/ MP/MLA.


From India, Madras
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---

In the corrected text, I have fixed the spelling of "realy" to "really" and "new comers" to "newcomers." I have also added a comma after "thanksss" for proper punctuation. The overall message and tone of appreciation for the usefulness of the information have been preserved.

Ensure there is a single line break between paragraphs for better readability.

From India, New Delhi
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Thanks for such a useful information. Can you please send me ppt on compensation management which is needful for magzimize the retention level of an employees.
From India, Pune
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Hi Babu,

This is Prasad, an active member in the CiteHR group. I saw your posting regarding PF on CiteHR. I would like some suggestions. I applied for my PF withdrawal in July 2010, but I have not received the withdrawal amount yet. Can you please suggest how I can track it or how I can file a complaint? Please check the attachment for the acknowledgment.

Thank you.

From India, Vijayawada
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File Type: jpg DURGAP~1.JPG (281.1 KB, 58 views)

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Hi, Please find the Automated Computerized PF Form Excel Warm Regards, Jatin Dua
From India, Pune
Attached Files (Download Requires Membership)
File Type: zip PF-19, 10-C, 5 ,10, 3-A ( computerized).zip (1.48 MB, 228 views)

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Hi, I have a question on PF withdrawal. I have resigned from my existing organization and have taken up a new job outside India. I want to withdraw the complete money accrued to my PF/pension fund. Since I shall be going abroad, I cannot transfer this money to my new employer. My question is - is this money taxable as per the income tax rules in India? I need a quick response, and if this is not taxable, then the clause number as per the IT Act so that I can cite the same. Thanks in anticipation for the help. Shvro1958.
From India
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By the way I have already worked for the current organisation for more than 7 years 2 months. Shuvro1958
From India
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I need to check and seek guidance/clarifications from experts and seniors on the following:

If an employee resigns from a job after working and contributing to PF & EPF for only three years. After resignation, he wants to withdraw the amount (both contributions self and employers) from PF/EPF. Will there be any Income Tax liability on a refund on such a withdrawal? Will the PF/EPF deduct Income Tax (TDS) before paying to the member?

Kindly help.

Regards and best wishes,

From India, New Delhi
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Hi,

I want to withdraw my PF money to my current bank account, but I don't have a cheque book (for a canceled cheque). Is there any option to get the money in my Punjab National Bank account? Also, the PF account given to us by our last employer is not showing on the EPFO site. For your reference, my PF account is DL-41217-9652.

Additionally, my last employer did not respond well to this issue. Please suggest what I should do.

Thank you,
Sandeep Rawat

From India, Chandigarh
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Hi guys,

I have left my company last Friday and now want to withdraw my PF amount. My employer has asked me to submit the PF form to her. Do I need to fill out Form 9 only or Form 10C also?

Please advise.

Faisal

From India, Mumbai
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I have purchased a flat which is under construction and releasing the installments through a Bank Loan that covers the flat's value. I require funds of Rs. 4 lakhs for amenities like car parking, club, etc., and registration charges of Rs. 4 lakhs. I want to take a PF loan to meet these requirements. I have 2.77 lakhs in the EPF employee account and 1.06 lakhs in the Employer account. Am I eligible to take a PF withdrawal for Rs. 4 lakhs for this purpose? How much time will it take to sanction the loan?

- RAGHUKUMAR

From India, Hyderabad
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Dear Seniors,

I would like to know the rules and procedures for the withdrawal of PF by a foreign national upon resignation after serving 3 years and making contributions to the PF and FPF. Any help and guidelines would be appreciated; this is to assist a friend.

Thank you.

From India, New Delhi
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Dear All, Its been 1 1/2 year since i resigned my previous company and now i am planning to withdrawal my PF amount. Do i need to attach form 3 A with the withdrawal from. Kindly suggest.
From India, Hyderabad
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I want to withdraw my PF amount from a previous company, but the HR department says I need to fill out a non-employment form along with Form 10C and 19. Is it mandatory to fill out the non-employment form even though I am currently employed? Please help me.
From India, Bangalore
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Dear All,

Good Morning,

I have already applied to withdraw money from my PF account, and I received a message from the PF office stating that 'Form 10C has been rejected, and the rejection letter will be dispatched'. However, I have received money from FORM 19.

My PF account is 11 years old, and I am unsure about the next steps to take. I have learned that if a PF account is over 10 years old, it cannot be withdrawn or closed.

Could you please provide information on the reason for rejection and advise on the next steps?

Your help is greatly appreciated.

Thank you,
Farah

From India, Chennai
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Hi,

I have applied in Form 31 for withdrawal for a flat under construction. I have submitted all necessary documents as listed out by the PRO (K R Puram, Bangalore). However, the application got rejected with the reason: "Sale Agreement not enclosed." The amount I had applied for was even sanctioned (shown in the last page of the form).

Surprisingly, I had included both the Sale & Construction Agreement for my flat. I visited the EPFO office and spoke with one of the staff members. She mentioned that the AO had some reservations. I'm meeting the AO tomorrow.

Quick question: Is it mandatory to have the Sale Agreement registered? (Mine is just stamped). The originals are with the Bank. Would they give it back to me for registering?

Appreciate any prompt response.

Many thanks,
KD

From India, Bangalore
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Friends,

I was working in Okhla Industrial Area, Phase-1, New Delhi-110020. I have collected the PF form with detailed information filled in and signed by the employer. My concern is, can I send it to the PF office through Registered Post? If so, to whom should it be addressed and where should it be sent? Is it necessary for the form to be sent along with a cancelled cheque/passbook copy? If so, does it need to be attested by the employer? Kindly suggest. It will be a great help.

Warm Regards,

Chaitanya
Mobile: 9650382150

From India, New Delhi
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i was working with ICICI prudential and after 2 months i gave resignation . So i just wanted to know that whether i am applicable for withdrawing my PF. Please reply
From India
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dear all; i perched 1 plot how to get my pf plot perches loan and from 31 attached document details pl tell me any one.
From India, Chennai
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From India, Bhubaneswar
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A query from my side.. Please suggest:

Can an employee opt for PF withdrawal from the previous employer if in case the latter is planning to transfer the account to the present employer against the will of the employee, who needs the money back in cash? For your information, the previous job was with a government body, and the PF was maintained by an internal PF Trust as the employee was not confirmed but was on probation. Moreover, the employer agreed to release the EL encashment and other benefits pertaining to the terminal benefit, excluding PF, for which he is adamant to transfer to the new employer, who happens to be a state government.

If the money can be withdrawn, then kindly refer me to the Sections and Rules of the PF Act.

Nayan J

From India, Bhubaneswar
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Hi All, Pls clarify on this.. Is it necessary that the cancelled cheque should be from a nationalized bank?? Regards, Madhu
From India, Salem
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Hi there,

I had to leave my office as the company was shifting from Mumbai to Pune. I worked there for 6 months and 9 days. PF and EPF were deducted monthly from my salary. What is the procedure to get back the amount or withdraw it on my own? Is employer's approval or signature or any such thing required in this process?

From India, Mumbai
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Hi,

I had worked for 6 months in a private company where they deducted PF from my salary, as well as EPF and EPS. Now that the company has shifted to Pune, they have recently provided the salary slips. However, I am unable to check the balance on the EPF website. My account number is 128608/5. The error that it shows is "Member name mismatch."

I would also like to withdraw the PF amount. Can I use the above-given guidelines for the same? Please suggest.

Regards, Valentina Dcosta

From India, Mumbai
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Thanks a lot for sharing such a great & important information. Keep it up ..... Normally these kind of information is not easily available. Thanks again.
From India, undefined
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Hi,

I wanted to withdraw my PF amount now, but I left my organization in May, and the branch is in Gurgaon, and now I am in Mumbai. Is it possible to withdraw within 30 days, and is it possible to withdraw from any office?

From United States, New York
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Can u help me if i can go and withdrawn the amt by filling the form now as it has to be done after 60days of the last working in the company , plzz reply asap
From United States, New York
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Hi Babu,

I am planning to withdraw my previous employer's PF. I have some queries regarding filling out the forms. Could you please upload a sample scanned copy of filled Form 10C & 19C so I can refer to it for clarification?

Thanks...

From India, Bangalore
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One employee resigned from his last company w.e.f 01.11.2014. There he got the PF benefit for the last two months only. After a gap of 4 months, he joined his current company in March 2015 as an HR trainee without statutory benefits. He will be regularized w.e.f 01.08.2015 with statutory benefits as per CTC.

He has not withdrawn his PF from the previous company yet. Should he submit the same UAN number to his current company, or does he have to register as a fresh employee?

From India, Kolkata
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Dear, I'm Vijay. I have been working for the last 2 years in a limited company, and I have a PF account. However, I want to withdraw my balance. Please guide me on the procedure for withdrawal during my working period.

My email id is vijaysaraswat16@gmail.com.
Mobile number: 9216333500

From India, Bhawan
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Hi How to check my pf number is valid. Because my company is a startup and gave one number as pf num. I dont have trust on it. Please let me know how to check is valid or not?
From India, Chennai
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PF withdrawal is one of the main concerns of your employees. Here is an article that explains how to check, transfer, and withdraw your Provident Fund balance with all the forms and guidelines. It explains how to withdraw your PF balance with and without your employer's help. It also has a downloadable PF withdrawal form. Here is a link to the article - https://quikchex.in/withdraw-provident-fund-balance/
From India, Mumbai
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