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How to withdraw money from provident fund without consent of employer?

May 10, 2017 16:58 IST

    Usually 12% of Basic Salary is being deducted from employee’s monthly salary and the same amount is being paid by the employer/company (however, companies manipulated this and deduct the employer contribution from employee’s salary itself). The main objective of EPF deduction from employee’s salary is to provide financial security to the employees at the time of retirement. Ministry of Labour renders the interest at the rate 7% to 9% annual on the EPF amount. However, if an employee withdraws his money prior to five years period, he needs to pay taxes levied on the withdrawal amount (under the section 80C of Income Tax Act).


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    Who is Eligible for EPF Deduction?

    Employees’ Provident Fund Organisation was established on November 15, 1951. It was established to ensure the interests of the employees working in factories and other organizations in the organized sector. Employees’ Provident Fund Organisation registers all such offices and factories where more than 20 employees are working and the employee’s salary get deducted as per the provisions; if they get minimum salary of Rs.25000/month.

    How EPF Money can be Withdrawn?

    If you are in service then you can’t withdraw your PF money but if you want to withdraw your money, you would have to resign from your current job and need to apply for PF withdrawal only after three months of resignation.

    There are the ways you can adopt to withdraw your EPF money:



    1. Applying through UAN Number: If you have been allotted the Universal Account Number (UAN) number by the EPF office then you can directly apply to the concerned regional office of EPF. For this you need not any approval from your previous organization. However, many organizations don’t share the UAN to their employees.

    2. Submit your Application Directly to PF Office: In this procedure, to withdraw your money, you need to fill Form 19, available on the website of EPFO. However, you need to verify your application by any Bank Manager, Gazatted Officer, Magistrate, Post Master, Mukhiya of Gram Panchayat for the assurance that the person withdrawing money is the same as the EPF account holder. In this procedure, EPF officer may enquire you that why you haven’t applied for withdrawal through your employer. You can explain your any problem related to that and show company’s offer letter as a proof.

    3. Two ways to Withdraw PF Money without Attestation from the Employer:

    a. Through Aadhaar Card

    b. Without Aadhaar Card

    a. Through Aadhaar Card: To withdraw money through Aadhaar Card you would need to link your  Aadhaar Number with your UAN through the EPFO portal, then you won’t need to seek attestation of documents from the employer to withdraw the PF Money. However, your Aadhaar Card and Salary Account should have been verified by the Employer before leaving the organisaton. In this method, you would need to download the Form 19, Form 31 and Form 10C from EPFO’s website. You would also need to attach a cancelled cheque of your salary account and a copy of your PAN card. Don’t forget to mention your registered mobile number on the PF Withdrawal application form.

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    b. Without Aadhaar Card: For all such employees who don’t have Aadhaar Card, the procedure would be comparatively tougher, like given below -

    a. Download the Form 19, Form 31 and Form 10C from EPFO website.

    b. Fill all of your forms and get them attested from any Bank Manager, Gazatted Officer, Magistrate, Post Master, Mukhiya of Gram Panchayat.

    c. Sign all the pages of the application form

    d. For direct withdrawal of PF money, you can mention that there was a conflict with your previous employer hence they didn’t approved your forms.

    e. Necessary to Attach a Stamp Paper of value of Rs.100.

    f. Attach Salary Slip, Offer Letter, Form 19 and Identity Card of your previous employer.

    Necessities for which PF Money can be withdrawn:

    In usual cases, an employee is not allowed to withdraw his money but there are certain exemptions to this rule under which the partial withdrawal of money is possible. However, even then you can’t withdraw full deposited amount.


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    (I) For any medical treatment of self, spouse or dependent children, maximum six times of salary can be withdrawn. Medical treatment includes Surgery, TB, Paralysis, Cancer and other health problems.

    (II) For self, child or sibling education or marriage, you can withdraw up to 50% of the total PF amount. You can do such maximum three times during your entire service period.


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    (III) To repay your housing loan you can withdraw up to 36 times of your Housing loan.

    (IV) For the repairing of the house occupied by self, spouse or collective you can withdraw up to 12 times of the salary. This option can be used only once during the entire service period.

    (V) To buy a plot or house for self or spouse or both, you can withdraw up to 36 times of your salary. However, for plot purchase this amount is up to 24 times of your salary.

    Now the government is taking many steps to provide more options to utilize the PF money, for example, now employee would be able to pay the EMI of housing loan, medical expenses, children admission fee, etc.

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