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💼 EPFO / PF — FREE GUIDE
PF Balance, Withdrawal & EPFO Complete Guide
Check PF balance, withdraw money, transfer between jobs, activate UAN — all via the official EPFO portal. Step-by-step for every service.
All EPFO Services
💰▼ Steps
Check PF Balance
🏦▼ Steps
Withdraw PF Online (Full Settlement)
📤▼ Steps
Partial PF Withdrawal
🔄▼ Steps
Transfer PF to New Employer
🔓▼ Steps
Activate UAN (First Time)
📋▼ Steps
Update KYC (Bank/Aadhaar/PAN)
PF Partial Withdrawal — Reasons & Limits
| Reason | Amount Limit | Condition |
|---|---|---|
| Medical Treatment | 6× monthly basic + DA | Self or family, hospitalisation 1+ month |
| Marriage / Education | 50% of employee's contribution | After 7 years of membership |
| Home Purchase / Construction | 24× monthly wages | After 5 years, house in own/spouse name |
| Home Loan Repayment | 36× monthly wages | After 10 years of membership |
| Retirement (58 years) | Full balance | Attained age 58 or stopped working |
| Job Loss (1 month) | 75% of balance | After 1 month of unemployment |
| Job Loss (2 months) | 100% balance (full settlement) | After 2 months of unemployment |
Current PF Interest Rate
8.25% p.a.
Employee Contribution
12% of Basic+DA
Employer PF Contribution
3.67% of Basic+DA
Employer EPS Contribution
8.33% of Basic+DA
Frequently Asked Questions
Q: I forgot my UAN — how do I find it?
A: Visit unifiedportal-mem.epfindia.gov.in → 'Know Your UAN Status'. Enter your registered mobile number or Aadhaar number to retrieve your UAN. You can also find it on your salary slip or ask your HR department.
Q: My PF withdrawal claim was rejected — why?
A: Common reasons: Aadhaar-bank account name mismatch, KYC not approved, exit date not updated by employer, or bank IFSC mismatch. Check the rejection reason on the portal and fix accordingly. For Aadhaar name mismatch, update your bank account to match your Aadhaar name exactly.
Q: Can I withdraw PF while still employed?
A: Partial withdrawal is allowed for specific reasons (medical, marriage, education, housing) while employed. Full settlement (Form 19) is only available after leaving the job and waiting 2 months.
Q: What is the difference between PF and EPS?
A: PF (Employees' Provident Fund) is the main savings component — both you and employer contribute 12% of basic salary each. EPS (Employees' Pension Scheme) is the pension component — employer's 12% is split into 3.67% to PF and 8.33% to EPS. You cannot withdraw EPS until retirement (age 58) unless you have less than 10 years of service.
Q: What happens to my PF if I don't transfer it after changing jobs?
A: The PF stays in your old account and continues to earn interest (currently 8.25% per annum). However, if there are no contributions for 3 years, the account becomes 'inoperative' and stops earning interest. Always transfer PF when switching jobs.
📞 EPFO Helpline
EPFO Toll-Free: 1800-118-005
EPFO Helpdesk (Grievances): epfigms.gov.in
SMS Balance Check: Send EPFOHO UAN ENG to 7738299899 (from Aadhaar-linked mobile)
Missed Call Balance: 011-22901406