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PF Withdrawal: Checklist (Form 19, 31, 10C)
For [Your name], UAN [UAN]. New EPF Scheme 2026: the old 2-month rule no longer applies to most people.
1. What you need
☐ An active UAN, and a phone linked to your Aadhaar.
☐ Aadhaar, bank account and PAN on the member portal.
☐ Your date of exit on the portal: without it a final claim will not go through.
☐ Your e-nomination filed.
2. The form
– Old names: Form 19 for full withdrawal, Form 31 for part withdrawal, Form 10C and 10D for pension. The 2026 Scheme does not use them: you claim on the portal.
– Tax declaration: Form 121 replaced Forms 15G and 15H from 1 April 2026. File it for each tax year, only if your tax is nil.
3. Your application
– Part withdrawal: 25% of the contributions, with interest, stays in your account.
– Full withdrawal ends your membership. If you join again you are a fresh member.
– Moving to a new employer? A transfer to your new account is not taxed.
4. Where to file
– Member portal: unifiedportal-mem.epfindia.gov.in.
– If you cannot claim online: a paper claim through your employer.
– Complaints: EPFiGMS or UMANG, with OTP. Helpline 14470.
5. Time limits
– Left your job: full withdrawal after 12 months without work. The Labour Ministry says 75% can be taken at once.
– No wait: retirement after 55, retrenchment, permanent move or job abroad, total incapacity.
– Pension part: after 36 months from the last contribution.
– A complete claim is paid within 20 days. After that, interest at 12% a year.
– Tax: under 5 years of service, TDS of 10% on Rs 50,000 or more, unless an exemption applies.
6. Keep it and renew
– Keep the claim number, amount and date.
– Keep your Form 121 and TDS details.
– Keep your EPFiGMS complaint number.
Date of exit [Date of exit]
Claim no. [Claim no.]
Filed on [Filed on]
Source: EPF Scheme 2026, G.S.R. 525(E), paras 46, 49, 54; Labour Ministry and PIB, Oct 2025; Income-tax Act 2025, s.392(7), 393(6), Rules, r.211; EPFO pages read from archive (to April 2026). Form names after July 2026 not confirmed. Checked 02.11.2026. Not tax advice.