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Can I withdraw my PF online without PAN card?

Author

Sarah Oconnor

Updated on February 26, 2026

Can I withdraw my PF online without PAN card?

PAN is required during EPF withdrawal/settlement if you do not want some excess tax to be deducted from your EPF account. If you fail to submit PAN, the tax deducted at source (TDS) can be as high as 34.6%.

Herein, how can I withdraw my PF online through PAN card?

How to Link PAN with EPF Account

  1. Visit EPFO UAN Member e-Seva Portal and login using the UAN number and password.
  2. From the main menu click 'Manage > KYC'
  3. You will be redirected to 'Add KYC' page, where you will see a list of document under 'Document Type' to update.

Additionally, can I withdraw PF online without UAN? You can still withdraw your EPF without UAN

Just in case it is not possible to apply for a UAN, you can withdraw EPF without UAN. All you need to do is fill a PF withdrawal form and submit it with the regional provident fund office.

Additionally, how can I withdraw my PF without deduction?

If you can defer withdrawing funds from your account for five years (continuous service with all employers), withdrawals thereafter will not attract any TDS. If withdrawal amount is less than Rs 50,000, no TDS is deducted.

Who fills Form 15g?

One must fulfil the following eligibility criteria to submit Form 15G:

  • You are an Individual or a person (other than company or a firm).
  • You must be a resident Indian for the applicable FY.
  • Your age should not be more than 60 years.
  • Tax liability calculated on the total taxable income for the FY is zero.

How many days will it take to clear PF amount?

When an employee applies for EPF claim online then it takes 5-30 days to get the PF amount into the bank account. But the time depends upon how fast the EPFO office clears the claim. Some EPFO offices clear the claim in around 5 days while some take more days.

Can I withdraw full PF amount?

You can withdraw your entire PF corpus only after you retire. You will be allowed to retire only after you are 55 years old. If you retire before you attain this age, you will not be permitted to receive your entire corpus. However, you are entitled to obtain 90% of your EPF corpus 1 year before you retire.

Can I withdraw my PF immediately after resignation?

Under the existing rule, employees who resign from a job before they turn 58 years of age can withdraw the full PF balance (and the EPS amount depending on the years of service), if he/she is unemployed for 60 straight days (two months) or more after leaving a job.

Can I take out my PF money?

Yes, you now have the option to withdrawn from your EPF corpus. However, since the money contributed by you to your EPF account is a type of forced saving, withdrawing from your EPF corpus should be your last resort. So, consider and exhaust all other options before withdrawing from your EPF account.

Is KYC mandatory for PF withdrawal?

For those without KYC compliance, withdrawing PF money will be a cumbersome task, requiring the support of their workplaces. This seeding and authentication is mandatory according to the new rules to withdraw PF savings faster without employers' involvement.

Is it necessary to fill Form 15g for PF?

TDS will be deducted at the rate of 10 per cent provided PAN is submitted. However, in case Form 15G or 15H is submitted by the member, then TDS is not deducted. These forms are to declare that their income would not be taxable after receiving payment of their PF accumulations from retirement fund body EPFO.

What if PF amount is not withdrawn?

Even when you leave the job, the amount deposited in your PF account continues to earn interest. After retirement, you can continue to earn interest on your PF deposit if you don't withdraw. Your account will become inactive three years after retirement. There is no time limit for withdrawal of Provident Fund dues.

What are the disadvantages of withdrawing PF amount?

Similarly, some people withdraw PF money on changing jobs. But by doing this, you have to face heavy losses at the time of your retirement. After retirement, there is a shortfall in the fund, which also affects the pension. If you do not withdraw funds even after retirement, then you get interest in it for 3 years.

How is PF withdrawal calculated?

Interest on the Employees' Provident Fund (EPF) is calculated on the contributions made by the employee as well as the employer. Contributions made by the employee and the employer equals 12% or 10% (includes EPS and EDLI) of his/her basic pay plus dearness allowance (DA).

Can I withdraw my PF if I am unemployed?

EPFO rules state that unemployed EPF account holders can avail non-refundable advance up to 75% of their balance after being unemployed for more than a month. You are also not supposed to submit any unemployment-related documents to the EPFO as a pause in EPF deposits is considered a sign of unemployment.

Is PF withdrawal taxable after 5 years?

If EPF is withdrawn before the completion of five years of subscription, i.e., continuous service of five years, TDS (tax deduction at source) would be applicable and such withdrawal becomes taxable under the Income-tax Act. Hence, the withdrawal, if any, will be considered as exempt from tax.

Can PF be withdrawn before 5 years?

New Delhi: If you have quit your job or lost your job, you can withdraw your Employees' Provident Fund (EPF) money even before the completion of five years. According to EPF rules, a member can withdraw up to 75 per cent of the accumulated corpus after one month of being unemployed.

Is Form 15g mandatory for PF withdrawal less than 50000?

50,000 and less. TDS is not applicable if employee withdraws more than or equal to Rs. 50, 000 with service less than 5 years but submits Permanent Account Number (PAN) along with form 15 G/15H. TDS is not applicable where withdrawal of EPF after 5 years of service.

Is EPF tax free?

For salaried individuals, the monthly contribution towards the Employee's Provident Fund (EPF) remains the only forced savings mechanism. Not only is the contribution eligible for tax benefits under Section 80C, both the interest earned and money received on super annuation are tax-free.

Can a person have 2 PF accounts?

With the current Universal Account Number (UAN), retirement fund body EPFO offers its members to merge or consolidation their multiple PF accounts. Hence, with the UAN, each EPFO member can consolidate multiple accounts into one single account.

How can I claim my PF without employer?

Make sure you follow the steps below:
  1. Go online and download the new EPF withdrawal form.
  2. Fill in the relevant details such as UAN, mobile number, date of leaving etc and make sure they match with the details present in the UAN database.
  3. If you want to withdraw your EPF then you will be required to fill in Form 19.

What should I do if I dont have UAN number?

  1. Go to the official website of EPFO - epfindia.gov.in.
  2. Look for the option that reads 'Click Here to Know your EPF Balance'.
  3. It will take you to a new page.
  4. Fill in details like your state and EPFO office link.
  5. Enter your PF Account Number, name and registered mobile number.

How can I withdraw old PF online?

How to withdraw PF online with UAN?
  1. Login to the portal – Visit the EPFO e-SEWA portal and login using your UAN and password, and enter the captcha code.
  2. Visit Online Claims section – When you've logged in, you can look for 'Claim (Form-31, 19, 10C & 10D)' in the 'Online Services' section.

Can I withdraw money from PF account without Aadhar card?

Without an Aadhaar Card

Download the forms (Form 19, Form 31 and Form 10C) from the EPFO's member portal. Attach copies of your payslips, appointment letter, Form 19, and your employee ID card. Lastly, attach a copy of your KYC documents - identity and address proof - before submitting all the forms at the EPF office.

How can I delete UAN number?

Procedure to deactivate or merge two UAN
  1. In case you have two UANs, the issue must be reported to the EPFO or the new employer.
  2. An email must be sent to .
  3. A verification will be conducted by the EPFO to resolve the issue.
  4. Once the verification is completed, the old UAN will be deactivated.

How can I generate UAN number?

How to generate your UAN?
  1. a) Step 1: Go to the UAN member portal.
  2. b) Step 2: Click on the online Aadhar verified UAN allotment link, near the bottom right of the page.
  3. c) Step 3: Enter your Aadhar number and wait for a One Time Password (OTP) to be generated and sent to your registered mobile number.

How can I apply for PF online?

Steps to apply for EPF withdrawal online:
  1. Step 1: Go to the UAN portal by clicking here.
  2. Step 2: Log in with your UAN and password and enter the captcha.
  3. Step 3: Then, click on the tab 'Manage' and select KYC to check whether your KYC details such as Aadhaar, PAN and the bank details are correct and verified or not.

How check UAN is activated or not?

You need to follow the steps below:
  1. Step 1: Go the UAN Portal
  2. Step 2: Click on the tab 'Know your UAN Status'.

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