Unified statutory electronic claim document governed under the Employees' Provident Fund Scheme, 1952 and Employees' Pension Scheme, 1995 via the EPFO Member Portal, combining Form 19 (Full PF Final Settlement), Form 10C (Pension Withdrawal Benefit), and Form 31 (Non-Refundable PF Advance)
Under Section 192A of the Income Tax Act, if your total continuous service is LESS than 5 years and the PF withdrawal amount exceeds ₹50,000, TDS is deducted at 10% (with PAN) or 20% (without PAN). To prevent TDS deductions if your total annual taxable income is below the basic exemption threshold, upload a signed Form 15G (for citizens under 60) or Form 15H (for senior citizens) along with your online claim.
💡 The EPFO Composite Claim Form is a single-window digital application that replaces the cumbersome old paper forms (Form 19, 10C, and 31). It allows members whose Aadhaar and bank details are linked to their UAN to apply directly online without needing their former employer's signature or physical office visits. Members can choose between: Form 19 (Full PF cash payout), Form 10C (Pension contribution cash-out if service is under 10 years), and Form 31 (Partial advance while still employed).
Comparing statutory claim types under the Composite Claim framework.
| Claim Form | Purpose | Employment Status Required | Repayment Requirement |
|---|---|---|---|
| Form 19 | Full & Final Settlement of Employee + Employer PF | Permanent retirement, emigration, or 2 months unemployment | Non-refundable complete account closure |
| Form 10C | Withdrawal of EPS Pension Contribution (or Scheme Cert) | After leaving job; service between 6 months and 9.5 years | One-time payout based on statutory EPS wage table |
| Form 31 | Non-Refundable PF Advance while in active service | Active employment (medical, housing, marriage, education) | Completely non-refundable grant; does not need to be repaid |
| Form 10D | Monthly Pension Application (Lifelong Pension) | Attained age 58 with >=10 years of eligible service | Lifelong monthly pension credited to bank account |
Under the automated auto-settlement algorithm, illness and education advances (Form 31) are settled within 3 to 4 working days; final settlements (Form 19 & 10C) are credited within 7 to 15 working days directly to the member's bank account.
Zero government fee (100% FREE); claims are processed without any charges by EPFO.
Active or past PF member with an activated Universal Account Number (UAN); Aadhaar must be linked and verified; bank account details with IFSC must be digitally approved by the employer; PAN must be seeded to avoid maximum marginal tax deduction.
Salaried employees withdrawing their accumulated PF balance after resigning from a job (after 2 months of unemployment); members seeking non-refundable PF advances for medical emergencies, home construction, marriage, or education; employees withdrawing EPS pension contributions or obtaining a Scheme Certificate.
Visit unifiedportal-mem.epfindia.gov.in/memberinterface, log in using your UAN and password, and complete second-factor OTP authentication.
Go to 'Manage' > 'KYC'. Ensure that your Bank Account, Aadhaar, and PAN are marked 'Verified' with green checkmarks. If not verified, complete KYC verification before filing.
Click on 'Online Services' on the top navigation bar and select 'Claim (Form-31, 19, 10C & 10D)'.
Enter the complete bank account number currently seeded against your UAN and click 'Verify'. Read and accept the Certificate of Undertaking.
Click 'Proceed for Online Claim'. In the 'I Want To Apply For' dropdown, select your desired service: (1) Form 31 (PF Advance), (2) Only PF Withdrawal (Form 19), or (3) Only Pension Withdrawal (Form 10C).
If applying for advance, select the eligible purpose (e.g., 'Illness of Member/Family', 'Purchase of House/Plot', 'Marriage of Self/Daughter/Son', 'Post-Matric Education', 'Natural Calamities') and enter the requested amount.
Upload a clear scanned copy of your cancelled bank cheque or bank passbook first page showing your name and IFSC. Attach Form 15G if service is under 5 years.
Click 'Get Aadhaar OTP'. Enter the OTP received on your UIDAI-registered mobile phone. The digital claim is generated and routed directly to the EPFO field office server.
Preserving pension service credits when switching jobs instead of cashing out.
If you have completed between 6 months and 9.5 years of service, choosing a 'Scheme Certificate' preserves your pension service tenure, which accumulates towards the mandatory 10-year threshold required for lifetime EPS monthly pension at age 58.
In the online Form 10C dropdown, select 'Scheme Certificate' instead of 'Withdrawal Benefit'.
The EPFO issues an electronic Scheme Certificate. Submit the certificate number when joining your next company to seamlessly merge past pension service.
Track the electronic settlement process from submission to direct bank credit.
Log into your Member Portal and click on 'Online Services' > 'Track Claim Status'.
Inspect the status: 'Under Process', 'Pending at Field Office', 'Approved & Sent to Bank', or 'Rejected with Reason'.
Under EPFO's IT 2.0 system, advance claims under 'Illness' up to ₹1,00,000 are auto-processed by computers and credited directly to your bank account within 3 days.
Once settled, click 'View PDF' to download the payment breakdown showing Employee Share, Employer Share, Pension Amount, and TDS deducted.
Actionable solutions for frequent rejection remarks on the Member Portal.
| EPFO Rejection Remark | Underlying Cause | Remedial Action |
|---|---|---|
| Claim rejected: 'Name mismatch in Aadhaar vs Bank vs UAN' | EPFO Member Profile vs Bank Account name | Ensure names match exactly. If the bank name differs, update your KYC with a matching bank account on the portal or submit an online Joint Declaration to correct UAN name. |
| Claim rejected: 'Service overlap between previous and current company' | Date of Leaving (DOL) in previous company | Submit an online Joint Declaration signed by your previous employer to correct the exit date so that it does not overlap with the joining date of the next employer. |
| Claim rejected: 'Father's name mismatch in portal records' | UAN Father's Name vs Member Database | Submit a Joint Declaration under the revised SOP with your Aadhaar and 10th certificate to rectify your father's name. |
You cannot withdraw your entire PF balance while still employed. However, you can apply for a partial non-refundable PF Advance using Form 31 for specific reasons such as medical illness, marriage of self/children, purchase/construction of a house, or post-matric education of children.
No. Under the Income Tax Act, any withdrawal from a recognized Provident Fund after completing FIVE (5) or more years of continuous service is completely exempt from income tax, and zero TDS is deducted.
Under Para 68-B, members can withdraw up to 6 months of basic wages and dearness allowance (DA), or the employee's total share of PF with interest, whichever is lower. Under the recent automated IT rule, advance requests up to ₹1,00,000 for illness require zero documentary proof and are settled automatically.
If you have completed 10 or more years of eligible service, you are legally barred from withdrawing your pension contribution as a cash lump sum under Form 10C. You can only apply for a 'Scheme Certificate' or wait until age 58 to draw a regular monthly pension under Form 10D.
Statutory scheme governing contributions, withdrawals, advances, and final settlement of provident funds.
Rules governing pension withdrawal benefits, scheme certificates, and superannuation monthly pension.
Standardized statutory correction form and digital workflow governed under the Employees' Provident Fund Scheme, 1952 and EPFO SOP 2023, submitted jointly by employee and employer via the unified member portal to correct Member Name, Date of Birth, Date of Joining, Date of Leaving, and Father's Name across Universal Account Number (UAN) records
Statutory closing financial ledger and clearance statement issued by an employer upon an employee's resignation, retirement, or termination under the Payment of Wages Act, 1936, Payment of Gratuity Act, 1972, and Code on Wages, accounting for unpaid salary, leave encashment, statutory gratuity, bonus, notice period adjustments, and asset recoveries
The yearly salary TDS certificate from your employer: what Part A and Part B show, the 15 June deadline, why employees cannot download it from TRACES, how to check it against Form 26AS/AIS, and the switch to Form 130 from tax year 2026-27.
Statutory self-declaration forms under Section 197A and Rule 29C to prevent 10% TDS deduction on fixed deposit interest, EPF withdrawal, and dividend payouts
Official consolidated annual tax credit statement on TRACES showing TDS deducted, TCS, advance tax, self-assessment tax, and high-value transactions
Governed by the Employees' Provident Funds Scheme, 1952, Employees' Pension Scheme, 1995 (EPS), and Employees' Deposit Linked Insurance Scheme, 1976 (EDLI).
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