How to withdraw (EPF) pension contribution online?

• Employees can build long-term savings through the Employee Provident Fund, also known as EPF.
• The money is saved during their years of service or employment and is fully managed by the government.
• The pension contributions are withdrawn based on specific criteria that include age, service tenure, or unemployment.
• Aadhaar, PAN, and bank account details need to be updated in the EPFO portal for withdrawal.
• The EPFO Member e-Sewa Portal makes it easy to file Form-10C for withdrawal of pension. The online claim is normally processed within 10 to 15 working days.

Employees' Provident Fund (EPF) is one of the most popular retirement savings schemes in India, which provides financial security to employees.While the main EPF account helps employees build up savings, a part of the contribution goes towards the Employees' Pension Scheme (EPS) . This pension contribution ensures a steady income post-retirement or during specific situations, such as disability or unemployment.It is important for employees who are looking for financial aid or claiming their benefits to understand the process of withdrawing the pension contribution in EPF online.

To apply for pension withdrawal, you have to pass the following eligibility criteria:

• Employees can only draw out their entire savings plan balance after retirement; early retirement is possible only after the age of 55 years.
• Employees need to submit their Aadhaar and PAN details in the EPF database along with their active UAN (Universal Account Number) , their bank account number, and more.
• Employees can withdraw 90% of their EPF capital a year after their retirement.
• EPFO permits the withdrawal of EPF for employees who lost their jobs before retirement during the COVID-19 epidemic lockdown or layoffs during that period.
• Employees who have linked their UAN and Aadhaar to their EPF account can seek online approval from employers to withdraw their EPF.

Note : The new regulations under the EPFO state that 75% of the total EPF corpus can be withdrawn within a month of unemployment; the rest would be transferred to the new EPF when employment resumes.

With the digitisation of EPF services, withdrawing pension contributions online has become a seamless process. Follow these steps to begin:

Step 1: Log in to the UAN Portal

Visit the EPFO Member e-Sewa Portal . Enter your UAN (Universal Account Number), then enter the password, and captcha to log in.

Step 2: Verify Your KYC Details

Ensure your Aadhaar, PAN, and bank account details are updated and verified. The online claim cannot be made if your KYC is not verified.

Step 3: Click the Online Services Tab

Select "Claim (Form-31, Form-19 & Form-10C)" from the dropdown menu.

Step 4: Select the Type of Withdrawal

The system will display your details such as UAN, name, date of birth, and bank account. Click on the "Proceed for Online Claim" button. From the dropdown, choose "Withdraw Pension
(Form-10C)".

Step 5: Fill in the Required Information

Enter the reason for withdrawal, such as retirement, unemployment, or leaving before 10 years. Enter your permanent address and other information required.

Step 6: Submit Your Claim

Check the details and submit your claim. Upload supporting documents, such as Aadhaar card, Bank passbook copy, Service details (if necessary), etc.

Step 7: Track the Status of Your Claim

After submission, you can track your claim status under the "Track Claim Status" option on the portal.

Step 8: Receive Payment

After processing, the amount will be credited to the registered bank account. Also Read: How Does Provident Fund Work? Know the Steps Involved in EPF

Following are the steps for an offline pension withdrawal:

Step 1: Downloading the Composite Claim Form

Visit the EPF website and download the Composite Claim Form (Non-Aadhaar or Aadhaar Card).

Step 2: Aadhaar Linking with Bank Account

In case a Composite Claim Form is being used, then individuals will have to provide their bank account details and link their Aadhaar account number with the primary account number. The activation will need to be done through the site.

Step 3: Aadhaar Seeding

The applicants filing through a Composite Claim Form (Non-Aadhaar) have to undergo Aadhaar seeding.

Step 4: Form Submission

Finally, submit the form to the jurisdictional EPF Office after filling in all the details required along with the required documents.

The following list of documents is to be submitted to your EPFO regional office or online for the withdrawal of your pension corpus:

• Form 10C , if you have not completed 10 years of service
• Form 10D, if you have crossed the age of 50 or 58
• Copy of identity proof
• Copy of your address proof
• Copy of the latest registered bank account statement
• Two revenue stamps

The Employees' Pension Scheme rules state that pension corpus can be withdrawn only in a few specific situations. These are as follows: Situation 1 You are 58 years old and have completed ten years of service.In this case, you can choose to receive a monthly pension or lump sum payment of 100% of your pension corpus. Situation 2 You are 58 years old, but you haven't served for ten years.You can face such a situation if you work in the organised sector later in age. You will still be able to take out all of your pension corpus in such a case, but only in one lump sum. Situation 3 You have served for ten years and you are now fifty years old.In such a scenario, you can make an early retirement withdrawal. However, you'll receive a relatively lesser pension amount. The number of years before you are 58 will be multiplied by 4% to reduce your pension amount.For instance, if you are willing to withdraw the pension corpus when you are 52, it will be roughly cut down by around 24% [4% x (58 years - 52 years)]. Situation 4 You have not crossed fifty years of age or ten years of serviceAs per the EPFO 3.0 update (October 2025), full pension withdrawal is now allowed only after 12 months of continuous unemployment. Members can, however, withdraw up to 75% of their corpus after this period while retaining a minimum 25% balance in their account for future pension eligibility.

If you want to take money out of your EPF account before you retire, it is not permitted. However, under some conditions, you can withdraw contributions from your EPF up to the specified limit. Take a look:

EPFO offers an efficient, hassle-free digital platform in a transparent way that accelerates claims. It's vital to learn the process of managing the necessary funds in case when one plans retirement, in case of unemployment, or if one quits before attaining 10 years of experience.Withdrawal of EPF pension contributions can be made online. The process is quick as long as it meets the requirements for withdrawal along with the completion of KYC.Always keep your UAN and KYC details updated to ensure a seamless experience. If in doubt, consult with an EPF advisor or your employer’s HR department for guidance.

The benefits of online withdrawal of EPF are as follows: Faster Processing Time Previously, getting from the initiation to the end of the process, required multiple levels of approvals, and loads of paperwork, causing delays. The online procedure allows relatively faster approval and the amount is credited to your account quickly. Simple Withdrawal Process Online withdrawal of EPF is fairly smooth and accessible. You can submit your withdrawal requests quickly thanks to a much more simplified form and clearer guidelines. You can also follow up on your withdrawal claims online with less paperwork. Easy Accessibility Withdrawing requests from any internet-enabled location is made possible by the online EPF portal. This becomes very handy for all the people who have time or location constraints, which make them unable to attend at the EPF office. Updates on Transactions in Real Time The online withdrawal of EPF provides real-time updates regarding the claim status. You can follow the entire process of applying, forwarding to the employer for approval, and making payments. Enhanced User Experience The online system has pushed the entire EPF fund withdrawal process into a different horizon. Better processing time, no paperwork, and no more visiting the office make withdrawals convenient. Moreover, you could ensure that no TDS is deducted from the educational EPF interest by submitting Form 15G, which will further improve your experience. Also Read: How to Calculate Employee Provident Fund (PF) on Salary?