PF Advance Withdrawal Online – Rules, Limit & Process

Employees Provident Fund Organization (EPFO) also allows PF Advance Withdrawal from your PF account apart from the PF Full Settlement Claim withdrawal. PF Advance withdrawal can be used for medical treatment, purchase of a plot, construction of the house, renovation of the house, and also for wedding expenses for the PF member/siblings.

PF Advance Withdrawal



PF Advance Withdrawal Form31- How to Apply

Before applying just see what type of PF Advance Withdrawal you are applying and then you need to follow the process below. Make sure that you have a UAN ID and Password to apply for Form31

Prerequisites: UAN ID and Password along with Aadhaar, PAN, and Bank account updated in the UAN portal.

  1. Login into the UAN portal with Member ID and Password
  2. Go to Online Services and select Claim(Form-31,19,10C & 10D)
  3. Enter the last 4 digits of your Bank account and click on Verify
  4. Click on “Proceed for Online Claim”
  5. Select PF Advance (Form 31) from the drop-down
  6. Select any of the purposes mentioned below
  7. Enter the amount required and submit other proof as needed
  8. Click on Get Aadhaar OTP
  9. Enter the Aadhaar OTP on the mobile
  10. Then the claim would be submitted

Types of PF Advance Withdrawal

PF Advance for Marriage

Marriage PF Advance withdrawal can be applied for the marriage of PF member (or) the marriage of the sons/daughters (or) the marriage of brothers/sisters.

Eligibility CriteriaPF member should have completed 7 years of Service
PF Advance Limit50% of the Employees share with Interest
No of times Advance allowedCan be availed 3 times
ProofMember declaration in the Form31

PF Advance for Education

PF Advance withdrawal for Education can be applied for the post-matriculation education of the son/daughter of the PF member (For Higher Secondary, Graduate, or Post Graduate studies)

Eligibility CriteriaPF member should have completed 7 years of Service
PF Advance Limit50% of the Employees share with Interest
No of times Advance allowedCan be availed 3 times
ProofA certificate regarding the course of study and an estimated
expenditure from the Head of the Educational Institution

PF Advance for Medical Treatment

PF Advance withdrawal for Medical Treatment can be applied for the medical treatment of the PF member (or) any of the family members of the PF member.

Eligibility CriteriaPF member should have completed 7 years of Service
PF Advance Limit6 months basic wages with DA (or) 50% Employee share
No of times Advance allowedCan be availed 3 times
ProofA certificate regarding the treatment (Certificate C) signed by the
Employer and Doctor

PF Advance for Purchase of the Plot

PF Advance withdrawal can be applied for the purchase of the plot or the construction site from an individual or from an agency.

Eligibility CriteriaPF member should have completed 5 years of Service
PF Advance Limit24 month’s basic wages along with DA
No of times Advance allowed1
ProofDeclaration Form from Member

PF Advance for Construction of the House

PF Advance withdrawal can be applied for the construction of the House by the PF member or by any Central/State/Cooperative societies or Housing Finance Corporation

Eligibility CriteriaPF member should have completed 5 years of Service
PF Advance Limit36 month’s basic wages and DA (or) Total Cost (or) Employee & Employer share (Whichever is less among these 3)
No of times Advance allowed1
ProofDeclaration Form from Member

PF Advance for Purchasing a House/Flat

PF Advance withdrawal can be also applied for the purchase of a constructed house (or) Flat (or) dwelling house from the individual or from the promoter.

Eligibility CriteriaPF member should have completed 5 years of Service
PF Advance Limit36 month’s basic wages and DA (or) Total Cost (or) Employee & Employer share (Whichever is less among these 3)
No of times Advance allowed1
ProofDeclaration Form from Member

PF Advance for Renovating a House

PF Advance withdrawal can be also applied for renovating a house that is owned by the member (or) spouse (or) jointly owned by the member & spouse. (Adding alterations, improvements)

Eligibility CriteriaPF member should have completed 5 years of Service
PF Advance Limit12 month’s basic wages and DA (or) Total Cost (or) Employee share (Whichever is less among these 3)
No of times Advance allowed1
ProofDeclaration Form from Member

PF Advance for Repairing a House

PF Advance withdrawal can be also applied for repairing an existing house that is owned by the PF member or spouse or jointly owned by the member/spouse. (Adding alterations, improvements)

Eligibility CriteriaPF member should have completed 10 years of Service
PF Advance Limit12 month’s basic wages and DA (or) Total Cost (or) Employee share (Whichever is less among these 3)
No of times Advance allowed1
ProofDeclaration Form from Member

PF Advance for Repaying a Home Loan

PF Advanced withdrawal can be also applied for repaying a home loan taken from an agency or the bank under 68BB

Eligibility CriteriaPF member should have completed 10 years of Service
PF Advance Limit36 month’s basic wages and DA (or) Total Outstanding Principal along with Interest (or) Employee & Employer share (or) (Whichever is less among these 3)
No of times Advance allowed1
ProofCertificate from agency indicating outstanding principal and interest

PF Advance – Company not paying wages

PF Advance Withdrawal can be also applied when the company is not paying wages due to any of the reasons below

  • Lockout and Closure of Establishment for more than 15 days
  • Employees are rendered unemployed without compensation
  • Employees have not received wages for more than 2 months
Eligibility CriteriaAny PF member
PF Advance LimitEmployee share with interest
No of times Advance allowedNo limit
ProofCertificate from the Employer in Certificate Form A and
B as applicable.

PF Advance when Employee is dismissed

PF Advance can be also applied when the Employee has been dismissed/discharged/retrenched by the company and the same has been challenged by them in court.

Eligibility CriteriaAny PF member
PF Advance LimitMaximum 50% of Employee share with interest
No of times Advance allowedNo limit
ProofCopy of petition filed in the Court and certificate
from member that the case is pending

PF Advance when the Company is closed

When a company is closed for more than 6 months and the Employees have not been compensated then the PF Advance Withdrawal can be applied by the member.

Eligibility CriteriaAny PF member
PF Advance LimitMaximum 50% of Employee share with interest
No of times Advance allowedNo limit
ProofCertificate from the Employer in Certificate
Form A and B, as applicable

PF Advance Partial Withdrawal

This can be applied only after 54 years of age (or) 1 year before retirement.

Eligibility CriteriaPF member should be above 54 years of age or 1 year before retirement
PF Advance LimitPF members should be above 54 years of age or 1 year before retirement
No of times Advance allowed1
ProofMaximum 90% of PF Employees share with interest

PF Advance for Financing a LIC Policy

LIC policy can be also directly financed from the PF account provided the below criteria is satisfied by the member.

Eligibility CriteriaPF member should have completed 2 years of service
PF Advance LimitPremium amount
No of times Advance allowed1
ProofLIC Policy Proff

PF Advance Withdrawal Claim Status

PF Advance Claim status can be checked by logging into the PF Member Passbook portal with UAN member ID and Password. Here is a step-by-step process of how to check the claim status

PF Advance Withdrawal FAQ

How much time a PF Claim will take to process?
A PF Claim might take nearly 5-15 days to get processed before the amount is received in the bank account of the member.

2 comments on this post

  1. I have submitted partial PF withdraw claim on 11-Oct-23 but still the amount is not credited? When amount will be credited

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