Withdrawing or transferring your PF (EPF)
Your PF money is paid into your bank account, or moved to the PF account of your new job.
About this guidePending verification
Published on 12-11-2026. Not every fact has been checked against its official source yet: confirm at the office.
For whom: EPF members who want to take out part or all of their PF, or who changed jobs and want to move their old PF. EPFO is a central government body; its offices in Andhra Pradesh are listed here too.
Answer the questions below first. Then the documents and steps open.
1Your situation
We show only what your answers need.
- Which of these are you?
- What do you want to do with your PF?
- Why are you taking it all out?
- Can you log in to the EPFO member portal with your UAN and password?
Your answers stay on this phone.
Each step below says who it is for. Confirm yours at the office, then change your answer here.
Another route for you
The EPF Scheme, 2026 treats a person who holds a foreign passport as an "International Worker" (an OCI cardholder is a foreign national holding a foreign passport). The rules differ: you can take out the full PF only when you retire from the job after the age of 58, if you become permanently and totally unable to work, or, if a social security agreement between India and your country covers you, when you stop working here. Unless an agreement covers you, the money is paid only into a bank account in India. Citizens of Nepal and Bhutan are treated as Indian workers. If you are a citizen of Nepal or Bhutan, go back and choose "Indian citizen living in India" to see the steps.
→ Ask EPFO how to apply: call 14470, or go to the EPFO regional office for your employer. The agreement countries are listed on the International Workers page of epfo.gov.in.
Sources: 1, 15, 11, 7, 8
2Documents you need
Tick the ones you have. They are kept in this browser.
Details
Sources: 1, 4
Details
An account in a scheduled bank or a co-operative bank
Sources: 1, 12
Details
Sources: 1, 6
Details
From the establishment's medical officer, or a registered doctor the establishment names; if you have ESI, from your ESI dispensary doctor; if the establishment has closed, from any registered doctor
Sources: 1
Details
If you don't have it: Ask your employer or the EPFO office.
Not confirmed: We could not find the current paper form's name or copy on the EPFO website (the old forms page has moved); the office will give you the right one.
Sources: 1, 4
Nothing to get ready before these steps.
3Your steps
· Do them in order. Tick each one when it is done.
- Do this nowIf: Indian citizen living in India / Indian citizen living abroad (NRI)
If you have worked, or are going to work, in a country that has a social security agreement with India, and that agreement makes you eligible for that country's social security benefits, the EPF Scheme counts you as an "International Worker", whose withdrawal rules differ.
Check the list of agreement countries on the EPFO website. If the country you worked in, or are going to, is on it, ask EPFO (14470) before you apply.
Open the official pageNot confirmed
We could not read EPFO's procedure for International Workers' claims; EPFO can tell you.
Sources: 1, 11, 7
- Do this nowIf: No: my UAN is not activated, or I do not know it
If you do not know your UAN (Universal Account Number), find it on the member portal with "Know Your UAN", using your details.
Open the official pageSources: 5, 4
- Do this nowIf: No: my UAN is not activated, or I do not know it
Activate your UAN in the UMANG app: choose EPFO services, then "UAN Activation" under "UAN Services Through Face Auth", and confirm with Aadhaar face authentication (by showing your face).
If you have no UAN yet, choose "UAN Allotment and Activation". The member portal no longer activates UANs.
Open the official pageSources: 5, 14, 12
- Do this nowIf: Yes / No: my UAN is not activated, or I do not know it
Log in to the EPFO member portal with your UAN and password.
Never tell anyone your password or an OTP.
Open the official pageSources: 5, 6, 9
- Do this nowIf: Yes / No: my UAN is not activated, or I do not know it
Check that your Aadhaar, bank account and PAN are linked to your UAN (KYC).
Add any that is missing on the portal. Since April 2025 a bank account can be added without your employer's approval.
Open the official pageSources: 1, 6, 12, 4
- Do this nowIf: Move it to the PF account of my new job
Give your new employer your UAN and the details of your old PF account.
With them, the old account can move automatically.
Sources: 3, 1
- Do this nowIf: Move it to the PF account of my new jobIf: Yes / No: my UAN is not activated, or I do not know it
If the old account has not moved, apply on the member portal to transfer the old PF account to the new one (Form 13).
Since 15 January 2025 most transfers need no approval from the employer.
Open the official pageSources: 1, 3, 12, 6
- Do this nowIf: Move it to the PF account of my new jobIf: Yes / No: my UAN is not activated, or I do not know it
When the transfer is done, download the transfer certificate (Annexure K) from the member portal.
Check that the balance and your period of service have moved.
Open the official pageSources: 13
- Do this nowIf: Take out part of it (advance)If: Yes / No: my UAN is not activated, or I do not know it
On the member portal, apply for a partial withdrawal (advance, Form 31) and choose the purpose: illness, education, marriage, a house, or special circumstances.
You need 12 months of membership (not if you are leaving the job). A quarter of all contributions, with interest, must stay in the account; you can take up to all of the rest, and at least ₹1,000. Education can be claimed up to 10 times, marriage up to 5 times, a house up to 5 times, and special circumstances up to twice in a financial year (April to March); these counts started afresh on 29 June 2026.
Open the official pageSources: 1, 3, 6
- Do this nowIf: Take out all of itIf: I left my job and am not working now
You can apply for the full amount only after you have not worked in any establishment under the Code on Social Security for 12 months in a row.
Until then you can take a partial withdrawal (advance).
Sources: 1
- Do this nowIf: Take out all of itIf: I am leaving India to settle or to work abroad
Apply before you leave India: the full amount can be paid just before you leave to settle or to take up a job abroad.
Not confirmed
We found no official list of the proof EPFO asks for in this case (for example a visa or a job letter); call 14470 and ask before you apply.
Sources: 1
- Do this nowIf: Take out all of itIf: Retrenched, voluntary retirement, or permanently unable to work
If it is because you are permanently and totally unable to work: get a medical certificate.
If you have ESI, get it from your ESI dispensary doctor; if not, from the establishment's medical officer. A member with tuberculosis, leprosy or cancer (even if it began after leaving the job, but before the payment is approved) is treated as permanently and totally unable to work.
Sources: 1
- Do this nowIf: Take out all of itIf: Yes / No: my UAN is not activated, or I do not know it
On the member portal, apply for the full withdrawal of your PF (Form 19).
The money is paid into your bank account.
Open the official pageSources: 1, 3, 6
- Do this nowIf: Take out all of itIf: Yes / No: my UAN is not activated, or I do not know it
The pension part (EPS) has its own claim.
With less than 10 years of service, you can take the withdrawal benefit (Form 10C), or a scheme certificate instead. If you left before the age of superannuation, the withdrawal benefit is paid only 36 months after your last contribution fell due, or when you reach that age, whichever comes first. With 10 years of service or more, there is no withdrawal benefit: you get a monthly pension (Form 10D). It starts at the age of superannuation; if you left work before that age, you can ask for an early pension from the age of 50, reduced by 4% for each year short of the age of superannuation, or take a scheme certificate until then.
Open the official pageSources: 2, 3
- Do this nowIf: Yes / No: my UAN is not activated, or I do not know it
Check the withdrawal or transfer and your balance in the passbook on the member portal ("Passbook Lite").
Open the official pageSources: 13
- Do this nowIf: I cannot apply online
Ask your employer or the EPFO office for the paper claim form for what you need (withdrawal, advance or transfer).
Sources: 1, 4
- Do this nowIf: I cannot apply online
Fill in the form and give it to your employer.
The employer checks it, attests (signs) it and sends it to EPFO within 5 days.
Sources: 1
- Do this nowIf: I cannot apply online
If your employer will not sign, or the establishment has closed: have the form attested by the manager of the bank where you hold your account.
Write down why the employer did not sign, and give it with the form at the EPFO regional office.
Not confirmed
Which office handles your claim depends on your employer's PF code; ask your employer or 14470 which one it is.
Sources: 4, 8, 12
- Do this nowIf: Take out all of itIf: I cannot apply online
The pension part (EPS) has its own claim.
With less than 10 years of service, you can take the withdrawal benefit (Form 10C), or a scheme certificate instead. If you left before the age of superannuation, the withdrawal benefit is paid only 36 months after your last contribution fell due, or when you reach that age, whichever comes first. With 10 years of service or more, there is no withdrawal benefit: you get a monthly pension (Form 10D). It starts at the age of superannuation; if you left work before that age, you can ask for an early pension from the age of 50, reduced by 4% for each year short of the age of superannuation, or take a scheme certificate until then.
Sources: 2, 3, 1
If something goes wrong
If it is rejectedRead the reason EPFO gives; EPFO must tell you of any shortcoming in the claim within 20 days of receiving it.
Read the reason EPFO gives; EPFO must tell you of any shortcoming in the claim within 20 days of receiving it. Fix what it names and apply again. If you think the rejection is wrong, complain on EPFiGMS with your UAN.
EPFiGMS (EPFO's grievance portal) · Open the official page
Sources: 1, 4, 7, 9
If it is lateEPFO must settle a complete claim within 20 days.
EPFO must settle a complete claim within 20 days. After 20 days, complain on EPFiGMS (or in the UMANG app); you get a registration number by SMS. If the complaint is pending for more than 15 days, email rc.csd@epfindia.gov.in with that number, or call 14470.
EPFiGMS (EPFO's grievance portal) · Open the official page
Sources: 1, 4, 7, 9
If you are asked for more moneyAll EPFO services, such as claims, transfers, KYC and complaints, are free.
All EPFO services, such as claims, transfers, KYC and complaints, are free. Do not pay cyber cafés or agents. EPFO never asks for Aadhaar, PAN or bank details on the phone, and never asks you to pay money; never tell anyone your UAN password or an OTP. Report such calls to the local police or the cyber crime branch.
EPFO helpdesk · Open the official page
Sources: 12, 5, 9
AlsoIf PF was cut from your pay but the passbook shows no deposit, or your employer has not enrolled you: the employer must not take its own share from your wages, and you can ask the employer for the record of your contributions (Form 3-A or the ECR copy).
If PF was cut from your pay but the passbook shows no deposit, or your employer has not enrolled you: the employer must not take its own share from your wages, and you can ask the employer for the record of your contributions (Form 3-A or the ECR copy). Ask your employer first; if that does not help, complain on EPFiGMS or at the EPFO regional office.
EPFiGMS (EPFO's grievance portal) · Open the official page
Sources: 4, 9, 8
AlsoIf the portal and 14470 do not solve it, you can ask the helpdesk (PRO) at the EPFO office that holds your account.
If the portal and 14470 do not solve it, you can ask the helpdesk (PRO) at the EPFO office that holds your account. EPFO gives WhatsApp helpline numbers for its Andhra Pradesh offices: Guntur 0863-2344123, Kadapa 9491138297, Rajamahendravaram 9494633563, Visakhapatnam 7382396602. Never send your password, an OTP or bank details to any number.
EPFO's WhatsApp helpline list · Open the official page
Sources: 12, 10, 7, 8, 9
Official websites for this work
- EPFO members' portal PF claims, balance, KYC
Related guides
The 15 official pages and papers this guide is written from
- Employees' Provident Funds Scheme, 2026: notification G.S.R. 525(E), 29 June 2026, under section 15(1)(a) of the Code on Social Security, 2020 (supersedes the EPF Scheme, 1952)Ministry of Labour and Employment, Government of India (The Gazette of India, Extraordinary, Part II, Section 3(i), No. 473), Gazette pages 66–94: para 2(1)(f) and (j) (International Worker; Nepal and Bhutan nationals deemed Indian), 25(1) (Aadhaar, Aadhaar-seeded bank account, PAN, UAN), 43 (transfer on the designated portal; automated transfer; employer forwards when identity is not confirmed online), 46 (partial withdrawals: minimum ₹1,000, 25% minimum balance, purposes, 12 months, counts, afresh from commencement), 48, 49 (full withdrawal: age 55, incapacity and its certificate, migration abroad, retrenchment, voluntary retirement; 12 months without employment; women resigning to marry), 51 and 53(11) (International Workers), 54 (claims on the portal; paper claim through the employer within 5 days; 20 days to settle; deficiencies told within 20 days; 12% penal interest) (29-06-2026) · read on 01-11-2026
- Employees' Pension Scheme, 2026: notification G.S.R. 527(E), 29 June 2026, under section 15(1)(b) of the Code on Social Security, 2020Ministry of Labour and Employment, Government of India (The Gazette of India, Extraordinary, Part II, Section 3(i), No. 475), Para 12(1) (pension after ten years of eligible service), 12(6) (payable from the age of superannuation), 12(7) (early pension not before the age of 50, reduced by 4% for each year short of the age of superannuation), 12(10) (a member who leaves before that age: pension after 50, or a scheme certificate), 13(1) (withdrawal benefit with less than ten years; only 36 months after the last contribution fell due, or at the age of superannuation, if the member left before that age), 17(1) (claims settled within 20 days), 29 (the EPF Scheme, 2026 applies where this Scheme is silent: the paper claim through the employer) (29-06-2026) · read on 01-11-2026
- EPFO Citizens'/Clients' Charter (issue date November 2022), linked from the EPFO website's 'About' menuEmployees' Provident Fund Organisation (EPFO), Ministry of Labour and Employment, Page 3, service standards (Form-19 final withdrawal, Form-31 advances, Form-13 transfer, Form-10C withdrawal benefit, Form-10D monthly pension: 20 days by the Scheme; grievances 7 working days); page 5, expectations from members (give UAN and previous membership to the present employer for auto-transfer; furnish bank and PAN) · read on 01-11-2026
- EPFO FAQs (General and Employee)Employees' Provident Fund Organisation (EPFO), Answers on: PF not settled within 20 days; how grievances are redressed (EPFiGMS); UAN is a 12-digit number; claims without employer attestation need an activated UAN with bank and Aadhaar KYC; employer not attesting the claim form (bank manager's attestation, submit to the Regional PF Commissioner with reasons); employer's share must not be deducted from wages; contribution recovered but not paid; Form 3-A/ECR copy can be demanded · read on 01-11-2026
- EPFO Unified Portal for members (Member e-Sewa): home page and noticesEmployees' Provident Fund Organisation (EPFO), 'Know Your UAN'; notices that UAN activation and direct UAN allotment are no longer done on this portal but in the UMANG app with Aadhaar face authentication ('UAN Services Through Face Auth', 'UAN Activation', 'UAN Allotment and Activation'); EPFO helpdesk 14470; alert that EPFO never asks for Aadhaar, PAN or bank details over the phone or for money (read 1 November 2026) · read on 01-11-2026
- EPFO website, home page: 'EPFO and You', For EmployeesEmployees' Provident Fund Organisation (EPFO), Services: Activate UAN, Update KYC (Aadhaar, PAN and bank details), Withdraw PF (partial or full), Online Claims & Transfer, all on the member portal · read on 01-11-2026
- EPFO: Contact Us (grievance redressal)Employees' Provident Fund Organisation (EPFO), How to raise a grievance on EPFiGMS; escalation by email to rc.csd@epfindia.gov.in when pending more than 15 days; toll-free helpline 14470; link to the EPFO WhatsApp Helpline list · read on 01-11-2026
- EPFO: Locate EPFO Office (state Andhra Pradesh)Employees' Provident Fund Organisation (EPFO), Andhra Pradesh: RO Visakhapatnam (Marripalem), RO Guntur (Krishna Nagar), RO Kadapa (Railway Station Road), RO Rajahmundry (Morampudi, Rajamahendravaram), RO Vijayawada (Gandhi Nagar); DO Nellore, DO Kurnool, DO Tirupati, DO Vizianagaram, DO Srikakulam, DO Anantapur, DO Kakinada, DO Eluru, DO Bhimavaram, DO Ongole, DO Vijayawada (Durga Agraharam) (page updated 27 October 2026) · read on 01-11-2026
- EPFiGMS: EPF i-Grievance Management System, home pageEmployees' Provident Fund Organisation (EPFO), developed by NIC, Who can lodge; registration number by SMS and email; reminders and status; also in the UMANG app; warning never to share UAN, password, PAN, Aadhaar, bank details or OTP · read on 01-11-2026
- EPFO WhatsApp Helpline: numbers by zone and office, linked from the Contact Us pageEmployees' Provident Fund Organisation (EPFO), First rows: zone "Andhra Pradesh (Vijaywada)": Guntur 0863-2344123, Kadapa 9491138297, Rajamundry 9494633563, Vishakhapatnam 7382396602 · read on 01-11-2026
- EPFO: International Workers (Social Security Agreements)Employees' Provident Fund Organisation (EPFO), The 20 partner countries and the International Workers portal · read on 01-11-2026
- EPFO Urges Members to Avoid Approaching Unauthorized Agents and Use Official EPFO Portals for Free & Secure Online ServicesPress Information Bureau, Ministry of Labour and Employment (release ID 2136592), hosted on the EPFO website, Transfer claims without employer approval in most cases from 15.01.2025; no employer approval for seeding bank details from April 2025; UAN allotment and activation in UMANG by face authentication; all EPFO services free; do not pay cyber cafés or agents; members can contact the EPFO helpdesks/PROs at regional offices (16-06-2025) · read on 01-11-2026
- All key services and access to Provident Fund details to be available through a single login: 'Passbook Lite'; online Annexure KPress Information Bureau, Ministry of Labour and Employment (release ID 2168059), hosted on the EPFO website, 'Passbook Lite' in the member portal; members can download Annexure K (transfer certificate) from the member portal (18-09-2025) · read on 01-11-2026
- EPFO Reforms (written reply in the Rajya Sabha)Press Information Bureau, Ministry of Labour and Employment (release ID 2227132), hosted on the EPFO website, Item IV: UAN generation and activation through Aadhaar Face Authentication in the UMANG app since April 2025 (12-02-2026) · read on 01-11-2026
- Notification S.O. 1050(E), 4 March 2021: rights of an Overseas Citizen of India (OCI) Cardholder, under section 7B(1) of the Citizenship Act, 1955Ministry of Home Affairs, Government of India (The Gazette of India, Extraordinary, Part II, Section 3(ii), No. 962), Explanation (1): an OCI cardholder is a foreign national holding a passport of a foreign country and is not a citizen of India (04-03-2021) · read on 01-11-2026