How to withdraw from EPF without employer’s helpEarlier withdrawing money from your Employee Provident Fund (EPF) involved a tedious process. You also were required to get the signature of your employer. Typically, the employer will gather the required documents and send them to the EPF office. This could take many weeks or months, depending on the employer. However, now you can withdraw from your EPF without any help from your employer. You will just need your Universal Account Number (UAN). The forms can be submitted to the regional EPF office. Want to know more? Read on.

Which form to use?

EPF has introduced a new composite claim form for withdrawing money from EPF. There are two versions of this form. One version can be used if you have your Aadhaar number and the other version can be used if you are yet to get your Aadhaar number. These forms are easy to fill and require only basic details. You can fill the form and submit it to the regional EPF office.

How to withdraw?

If you have Aadhaar card – This is the easiest way to get your EPF money. This will not require anyone’s signature including your employer or a gazetted officer. However, there are some conditions. In order to withdraw money from your EPF on your own, you will have to:

  • Activate your UAN number
  • Link your Aadhaar number with your UAN
  • Give your bank details. Typically, you give your bank details when you get your UAN
  • Ensure that the Know Your Customer (KYC) details have been verified

Since the Aadhaar and bank account details are linked to your EPF, the authentication will be easy and you can get the funds directly into your bank account. Here are the steps you will have to follow.

  • Go to the EPF website – https://epfindia.gov.in/site_en/WhichClaimForm.php.
  • Download the new EPF withdrawal form. It is the Composite Claim Form (Aadhaar).
  • Fill in the details such as your UAN, Aadhaar number, date of joining your company and purpose of withdrawing money. PAN might be required if you haven’t served five continuous years in your company.
  • You have to give a cancelled cheque along with the form. So, make a cancelled cheque using the cheque leaf of the bank account. This should be the same bank account that you provided details of when you opened your UAN.
  • Attach the cancelled cheque along with the form.
  • Submit the documents at your regional EPF office.

If you don’t have your Aadhaar number – Don’t worry! Even if you don’t have your Aadhaar you can get your EPF money without your employer’s signature. However, this might take much longer than the process that is followed if you have an Aadhaar card. This is because your identity details have to be verified by the EPF office.

The biggest drawback is that since you don’t have your Aadhaar number, you will have to get your claim form attested by a gazetted officer. This can be any one of the following:

  •  A bank manager (ideally signature of manager of the branch where you have the account )
  •  Any gazetted officer
  •  A magistrate, a notary public, the postmaster of the post office or president of the village panchayat

Here are the steps you need to follow

  •  Every sheet of the claim form has to be stamped and signed by the officer
  •  Along with the form, a letter should be provided. This will state why you are withdrawing your money from EPF.
  •  In case you had issues with your employer for EPF withdrawal, you can state those details also.
  •  You might be required to attach copies of documents such as your last pay slip, offer letter, or employee ID card.
  •  Submit the documents to the regional EPF office.

Once you submit the withdrawal request, you can check the status of your request online using the EPF website. You will need to enter your UAN to get the details. You can also use the form to get a loan against your EPF. Read this post for more information on EPF withdrawal rules – A Guide To Employees’ Provident Fund Withdrawal Rules. It usually takes about two weeks for your withdrawal request to be processed.

EPF
Author
Staff Writer

This article is written by RupeeIQ editorial staff.