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
- Types of PF Advance Withdrawal
- PF Advance for Marriage
- PF Advance for Education
- PF Advance for Medical Treatment
- PF Advance for Purchase of the Plot
- PF Advance for Construction of the House
- PF Advance for Purchasing a House/Flat
- PF Advance for Renovating a House
- PF Advance for Repairing a House
- PF Advance for Repaying a Home Loan
- PF Advance – Company not paying wages
- PF Advance when Employee is dismissed
- PF Advance when the Company is closed
- PF Advance Partial Withdrawal
- PF Advance for Financing a LIC Policy
- PF Advance Withdrawal Claim Status
- PF Advance Withdrawal FAQ
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.
- Login into the UAN portal with Member ID and Password
- Go to Online Services and select Claim(Form-31,19,10C & 10D)
- Enter the last 4 digits of your Bank account and click on Verify
- Click on “Proceed for Online Claim”
- Select PF Advance (Form 31) from the drop-down
- Select any of the purposes mentioned below
- Enter the amount required and submit other proof as needed
- Click on Get Aadhaar OTP
- Enter the Aadhaar OTP on the mobile
- 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 Criteria | PF member should have completed 7 years of Service |
| PF Advance Limit | 50% of the Employees share with Interest |
| No of times Advance allowed | Can be availed 3 times |
| Proof | Member 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 Criteria | PF member should have completed 7 years of Service |
| PF Advance Limit | 50% of the Employees share with Interest |
| No of times Advance allowed | Can be availed 3 times |
| Proof | A 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 Criteria | PF member should have completed 7 years of Service |
| PF Advance Limit | 6 months basic wages with DA (or) 50% Employee share |
| No of times Advance allowed | Can be availed 3 times |
| Proof | A 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 Criteria | PF member should have completed 5 years of Service |
| PF Advance Limit | 24 month’s basic wages along with DA |
| No of times Advance allowed | 1 |
| Proof | Declaration 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 Criteria | PF member should have completed 5 years of Service |
| PF Advance Limit | 36 month’s basic wages and DA (or) Total Cost (or) Employee & Employer share (Whichever is less among these 3) |
| No of times Advance allowed | 1 |
| Proof | Declaration 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 Criteria | PF member should have completed 5 years of Service |
| PF Advance Limit | 36 month’s basic wages and DA (or) Total Cost (or) Employee & Employer share (Whichever is less among these 3) |
| No of times Advance allowed | 1 |
| Proof | Declaration 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 Criteria | PF member should have completed 5 years of Service |
| PF Advance Limit | 12 month’s basic wages and DA (or) Total Cost (or) Employee share (Whichever is less among these 3) |
| No of times Advance allowed | 1 |
| Proof | Declaration 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 Criteria | PF member should have completed 10 years of Service |
| PF Advance Limit | 12 month’s basic wages and DA (or) Total Cost (or) Employee share (Whichever is less among these 3) |
| No of times Advance allowed | 1 |
| Proof | Declaration 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 Criteria | PF member should have completed 10 years of Service |
| PF Advance Limit | 36 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 allowed | 1 |
| Proof | Certificate 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 Criteria | Any PF member |
| PF Advance Limit | Employee share with interest |
| No of times Advance allowed | No limit |
| Proof | Certificate 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 Criteria | Any PF member |
| PF Advance Limit | Maximum 50% of Employee share with interest |
| No of times Advance allowed | No limit |
| Proof | Copy 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 Criteria | Any PF member |
| PF Advance Limit | Maximum 50% of Employee share with interest |
| No of times Advance allowed | No limit |
| Proof | Certificate 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 Criteria | PF member should be above 54 years of age or 1 year before retirement |
| PF Advance Limit | PF members should be above 54 years of age or 1 year before retirement |
| No of times Advance allowed | 1 |
| Proof | Maximum 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 Criteria | PF member should have completed 2 years of service |
| PF Advance Limit | Premium amount |
| No of times Advance allowed | 1 |
| Proof | LIC 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
I have submitted partial PF withdraw claim on 11-Oct-23 but still the amount is not credited? When amount will be credited
The process will take nearly 3-4 weeks as it might go through multiple levels of approval to prevent fraud!