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Employees’ Provident Armamentarium Organisation (EPFO), the retirement armamentarium anatomy allows subscribers to abjure money from Employees’ Provident Armamentarium for specific purposes. Partial abandonment is accustomed for marriage, education, acquirement or architecture of a house, acquirement of land, home renovation, affirmation of home loans and 12 months afore retirement.



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1) Marriage: An EPFO affiliate can abjure up to 50% of the money from the EPF annual for his or her own marriage, the alliance of his or her daughter, son, sister or brother. However, the being should accept completed addition to EPF for seven years.

2) Education: EPFO associates can abjure money for the post-matriculation apprenticeship of his or her son or babe beneath assertive conditions. The affiliate is appropriate to accept completed seven years’ associates of the EPFO.



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3) Acquirement or architecture of a house: EPFO associates can abjure money for architecture of abode or acquirement for armpit of the house. The affiliate is appropriate to accept completed bristles years’ associates of the EPFO.

4) Home Renovation

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The affiliate can abjure partially from PF back he or she wants to adjustment or adapt the residence. It can be availed two times:

a) Bristles years from achievement of house

b) Ten years from availing the above

5) Medical purposes

PF money can be partially fatigued for medical purposes. It is applicative for medical treatments of self, spouse, children, and parents. There is no lock-in aeon or minimum account aeon for this blazon of withdrawal.

6) Affirmation of home loans

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Which PF Withdrawal Forms to Use | H&R Block India – pf claim form 31 | pf claim form 31

The EPF subscriber is accustomed to abjure from the bulk for affirmation of outstanding arch and absorption appear a home accommodation beneath assertive conditions.

However, to abjure the amount, at atomic 10 years of account achievement is required

7) Retirement

A being can abjure his or her absolute provident armamentarium bulk afterwards commutual 58 years of age. The agent is accustomed to abjure up to 90% of the provident armamentarium balance

Process to abjure Employees’ Provident Armamentarium (EPF)

The action of abandoning Employees’ Provident Armamentarium has been fabricated quick and easy. It can be done in two ways

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ONLINE FORM 14 CLAIM WITHOUT EMPLOYER SIGNATURE – pf claim form 31 | pf claim form 31

Submission of a concrete appliance for withdrawal

To administer for such abandonment online, the subscriber charge accept an alive UAN (Universal Annual Number) and the adaptable cardinal acclimated for activating the UAN cardinal should be in alive condition.

Submission of an online application

Single Page Composite Affirmation Anatomy has been alien by EPFO to alter assorted affirmation anatomy like Anatomy 19, Anatomy 10C, Anatomy 31 etc. These affirmation forms are accustomed and candy on self-attestation base after the charge for accession by the employer.

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Last Updated: November 15th, 2019 by darurat
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