EPFO VS PRIVATE PF TRUST: WITHDRAW YOUR PF AMOUNT

Process for PF Withdrawal from a Private PF Trust (Exempted PF)

Step 1: Get the PF Withdrawal Form

• Contact your HR or Finance department and request the PF withdrawal forms (similar to Form 19, 10C, or 31).
• Some companies provide an online portal for PF withdrawal.

Step 2: Submit Required Documents
Documents needed for full withdrawal (Form 19 + 10C):
PF Withdrawal Form (Provided by employer)
Relieving Letter or Resignation Acceptance Letter
Aadhaar Card (ID proof)
PAN Card (For tax purposes)
Cancelled Cheque (With your name printed)
Bank Passbook Copy

For partial withdrawal (Form 31), additional documents may be required, such as:

• Medical expenses – Doctor’s certificate and medical bills.
• Marriage – Wedding invitation.
• Home loan – Loan sanction letter.

Step 3: Submit the Application to the Employer

• Send the filled form and documents to the HR/Finance department.
• If your employer has an internal portal, apply online.

Step 4: Approval & Processing

• The employer will verify your details and approve the withdrawal.
• Processing time is 2 to 6 weeks, depending on the trust’s policies.

Step 5: Receive Payment

• The approved amount is transferred directly to your bank account.
• If withdrawn before 5 years, TDS (10%) may be deducted from the amount.

Step 6: Collect PF Settlement Slip (If Required)

• Some companies provide a settlement slip, showing employer contribution, employee contribution, interest, and tax deductions.

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Process for PF Withdrawal from EPFO (Unexempted PF) – Online

If your PF is with EPFO, follow this process to apply online:

Step 1: Login to EPFO Member Portal
Go to EPFO Unified Portal

• Login with your UAN & Password
• Ensure your Aadhaar, PAN, and bank account are linked to UAN.

Step 2: Navigate to Withdrawal Section

• Click on ‘Online Services’ → ‘Claim (Form-31, 19 & 10C)’

Step 3: Verify KYC Details

• Check if your Aadhaar, PAN, and bank details are verified.
• Click ‘Proceed for Online Claim’

Step 4: Select Withdrawal Type

• Choose the required form:
  • Form 19 (Final Settlement – Full Withdrawal)
  • Form 10C (Pension Withdrawal)
  • Form 31 (Partial Withdrawal)
• Enter the required reason (e.g., unemployment, medical, home loan).

Step 5: Submit the Claim

• Upload any required supporting documents.
• Click Submit and wait for processing.

Step 6: Track Claim Status

• Check the status in ‘Online Services’ → ‘Track Claim Status’
• Processing time: 5 to 20 days
• Amount will be credited to your bank account.

Step 7: Download Settlement Slip (Optional)

• After approval, download the PF settlement slip from the portal.

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Key Differences Between EPFO & Private PF Trust Withdrawal

Dear [HR Manager’s Name],

I hope you are doing well. I am writing to request the withdrawal of my Provident Fund (PF) amount maintained under the [Company Name] PF Trust, as I have [resigned from my position/fulfilled the required service period].

Employee Details:
Employee Name: [Your Full Name]
Employee ID: [Your Employee ID]
UAN (if available): [Your UAN]
Date of Joining: [Your Joining Date]
Date of Resignation/Last Working Day: [Your Last Working Day]

Type of Withdrawal Requested:
Final Settlement (Full Withdrawal) – [Yes/No] (Attach Form 19 & Form 10C)
Partial Withdrawal – [Yes/No] (Attach Form 31 & reason, e.g., home loan, medical emergency)

• I have attached the required documents, including:
  Duly filled PF withdrawal form (provided by the company)
  Cancelled cheque (with my name printed)
  Copy of Aadhaar card and PAN card
  Relieving letter (if applicable)
  Supporting documents for partial withdrawal (if applicable)

I kindly request you to process my PF withdrawal at the earliest and transfer the amount to my registered bank account. Please let me know if any additional details or documents are required.

Looking forward to your confirmation.

Best Regards,
[Your Name]
[Your Contact Number]
[Your Email]