Now Withdraw PF Money Without Any Documents — Step-by-Step Guide to EPFO’s Paperless Claim Process
The Employees' Provident Fund Organisation (EPFO) has taken a significant step towards simplifying the withdrawal process for PF account holders. With the latest update, you can now withdraw money from your PF account without uploading or submitting any documents—as long as your Aadhaar, PAN, and bank account details are properly updated and verified.
This digital-first initiative enables seamless PF withdrawals through OTP authentication or facial verification, making the process both faster and more secure. The facility is accessible through the EPFO’s official portal and the UMANG mobile app.
Here’s a detailed, step-by-step breakdown of how to claim your PF advance online without documentation.
To take advantage of this service, you must ensure the following:
Your UAN (Universal Account Number) is activated.
Your Aadhaar card is linked and verified with your PF account.
Your PAN number is updated in EPFO records.
Your bank account details are correctly linked and verified.
If all these details are up-to-date in EPFO’s records, you can initiate a document-free online claim for full or partial withdrawal.
EPFO introduced the Composite Claim Form in 2017, which allowed members to apply for partial withdrawals for specific needs such as:
Medical emergencies
Marriage
Children’s education
Purchase of a house
This new update builds on that system, removing the need for medical certificates or other supporting documents. However, to ensure safety and prevent fraud, EPFO has made Aadhaar-based OTP authentication and facial verification mandatory for online withdrawals.
Currently, over 90% of EPF claims are processed online, and many of them are settled through auto-approval within three working days.
Visit EPFO Website or UMANG App
Go to https://unifiedportal-mem.epfindia.gov.in or open the UMANG mobile app.
Login Using UAN and Password
Enter your UAN, password, and CAPTCHA code to log in.
Verify Your KYC Details
Before proceeding, confirm that your Aadhaar, PAN, and bank details are verified in your profile.
Navigate to Online Services
Click on ‘Online Services’ and then select ‘Claim (Form-31, 19 & 10C)’.
Choose the Withdrawal Reason
From the dropdown menu, choose the purpose of withdrawal (e.g., marriage, illness, house purchase).
Authenticate Using OTP or Facial Verification
Complete the identity verification using either OTP sent to your Aadhaar-linked mobile number or face authentication.
Submit the Claim
Once all the steps are completed, submit the claim form.
Amount Credited in 3 Days
If all information is correct, the amount will be credited to your linked bank account within three working days.
By making Aadhaar OTP and facial verification mandatory, EPFO has addressed a key concern: fraud prevention. The digital system ensures that claims are made only by verified users, adding an additional layer of security without creating paperwork hassle.
Always keep your UAN active and contact details updated.
Make sure your KYC (Know Your Customer) documents are verified under EPFO records.
Avoid third-party agents for PF withdrawals—use only official platforms like the EPFO website or UMANG app.
Conclusion:
With its new digital update, EPFO is making employee benefits more accessible, secure, and convenient. The paperless withdrawal facility is a major step toward empowering salaried professionals, offering quick financial support in times of need.
