Wondering how to withdraw PF money? Or check how much money you actually have in your PF account?
Let’s break it all down for you — step-by-step, no jargon, no headache.
Whether you’ve switched jobs, taken a break, or just want to make sure your PF isn’t ghosting you, this blog will show you exactly how to:
✅ Withdraw your PF money
✅ Check your PF balance online and offline
✅ Understand when you’re eligible and what documents you’ll need
First things first — what is PF, again?
In case you’ve just started earning or haven’t really paid attention to salary slips (we get it), PF = Provident Fund. It’s like a future piggy bank where both you and your employer drop some money every month. It earns interest and grows with time.
We’ve written a full blog explaining what PF is, and how to calculate it here.
How to check PF balance online — in 3 easy ways
So before you even think about withdrawing your PF, let’s first help to learn how to check PF balance online.
Method 1: Via EPFO Member Portal
- Go to https://www.epfindia.gov.in
- Click on “Services” > “For Employees” > “Member Passbook”
- Log in with your UAN and password
- You’ll see a breakdown of how much you’ve contributed + employer share + interest
Method 2: Via UMANG App
- Download the UMANG app from Play Store or App Store
- Search for “EPFO” service
- Tap on “View Passbook”
- Enter your UAN and OTP (sent to Aadhaar-linked number)
If you are experiencing connectivity or any other issues with Method 1 and 2, you can check PF balance by SMS or a missed call too.
Method 3: Missed Call or SMS (no internet required!)
- Give a missed call to 9966044425 from your UAN-registered number
- Or SMS “EPFOHO UAN” to 7738299899
- Boom. You’ll get your PF balance via text.
Okay, now let’s understand how to withdraw your PF money
If you’ve got a decent balance and a legit reason, here’s how to withdraw money from your PF account:
Eligible Reasons to Withdraw PF:
- Unemployed for 2+ months
- Retirement at age 58
- Job switch (you can also transfer instead)
- Partial withdrawal for marriage, education, medical emergencies, home loan, etc.
Step-by-Step: How to Withdraw PF Money Online (via UAN Portal)
- Go to https://unifiedportal-mem.epfindia.gov.in/memberinterface/
- Log in with your UAN and password
- Click on ‘Online Services’ → ‘Claim (Form-31, 19 & 10C)’
- Verify KYC (Aadhaar, PAN, bank details)
- Enter last 4 digits of bank account → Click ‘Verify’
- Choose withdrawal type:
- Form 19 – Final PF settlement
- Form 10C – Pension withdrawal
- Form 31 – Partial withdrawal
- Fill out the details and upload documents (if asked)
- Accept declaration → Submit claim
You’ll get a claim reference number for tracking.
Here are the documents required to withdraw your PF money:
- UAN number
- Aadhaar linked with UAN
- PAN (if withdrawing more than ₹50,000)
- Bank account details (same as in EPFO records)
- Cancelled cheque (optional but sometimes asked)
How Long Does PF Withdrawal Take?
PF withdrawals usually take within 5–20 working days. You can track it on the same portal under “Track Claim Status.”
FAQs – Real questions from real people like you
We understand you may have more doubts so here we go:
Q. How to check my PF balance if I don’t remember my UAN?
A: Go to https://www.epfindia.gov.in → Click “Know Your UAN” and follow the prompts.
Q. Can I withdraw my PF while working?
A: Yes, but only partial withdrawals for specific reasons (and with limits).
Q. Can I withdraw PF without PAN or Aadhaar?
A: Nope. KYC is mandatory for online withdrawals.
Did you find this blog helpful? We at Galgal work tirelessly to simplify your finances and provide as much value as we can.
With Galgal, you can budget smarter, track expenses automatically, and set savings goals — so you’re not only relying on PF to feel secure.
Download the Galgal App now and build good money habits today, not someday.
