EPF Withdrawal Kaise Karein
PF nikaalne se pehle teen sawaal clear karne hain — kaunsa form, kitni service poori hui, aur kitna TDS katega. EPFO ke apne circular aur sawaal-jawaab se teeno ka jawaab yahan hai.
har raste ke kadam
Every Channel, Step by Step
poori jama nikaalna
Final Settlement — Form Nineteen
Naukri chhodne, retirement ya permanent migration ke baad poori PF jama nikaalni ho to final settlement claim darj hota hai. EPFO ke circular ke mutabiq nikasi ke liye UAN-based form 19 hai, aur wahi circular 10 ko bhi naam leta hai.
Pehle yeh dhyaan rakhein
- UAN chalu ho aur member portal mein login ho sakein
- Bank account UAN se juda ho, aur woh account aapke naam par ho
- Aadhaar aur PAN KYC UAN par seed ho
- Employer ne aakhri contribution mark kar di ho
Kadam dar kadam
Member portal par sign in karein
UAN number aur password daal kar unified member portal kholein. Password bhool gaye hain to portal par hi forgot password wala rasta hai.
Online services mein claim chunein
Claim tab mein final settlement ka form khulega. Yahan aapko apna hi account dikhega, isliye pehle active PF account chunna zaroori hai.
Jama kaise banti hai samajh lein
EPFO ke EPF Scheme page ke mutabiak employee aur employer dono basic wages aur dearness allowance ka barah pratishat daalte hain, aur mandatory contribution ek wage ceiling tak hai. Isse andaza lag jaata hai ki claim mein kitni jama honi chahiye.
Bank detail bharein
Jis account mein paisa aana chahiye wahi account number aur IFSC bharein. Aadhaar se linked bank detail aksar yahan aa jati hai; phir bhi ek baar khud mila lein.
Claim submit karein aur tracking id rakhein
Submit karne par ek tracking number milta hai. Isi number se baad mein status dekha jaata hai, isliye ise save kar lein.
Is channel ka pramaan: www.epfo.gov.in
pension hisse ki nikaasi
Pension Withdrawal — Form Ten C
Employees Pension Scheme ka hissa alag hota hai. EPFO ke usi circular ke hisaab se pension wale hisse ke liye UAN-based form 10 darj hota hai, aur pension section mein is form ke saath pension ke doosre form ka process bhi hota hai.
Pehle yeh dhyaan rakhein
- Service das saal se kam ho, tabhi pension hisse ki withdrawal ka sawaal banta hai
- Agar service das saal ya zyada hai to scheme certificate lena aksar behtar hota hai
- Scheme certificate mila hai aur withdrawal benefit lena hai to usse surrender karna padega
Kadam dar kadam
Pehle apni service jaanchein
EPFO ke sawaal-jawaab ke mutabiq jiski service das saal ya zyada hai aur umar aathavan saal tak nahin aayi, use scheme certificate milta hi hai. Kam service wale member ko yeh certificate milti hai lekin majburi nahin hoti.
Pension claim darj karein
Member portal mein pension withdrawal ka form khulega. Yahan aapko withdrawal benefit aur scheme certificate ke beech chunav karna padta hai.
Scheme certificate chunte waqt dhyan rakhein
Certificate pension service ko aage le jaane mein madad karti hai. EPFO ke circular ke mutabiq pension claim aur scheme certificate ka process pension section mein hota hai.
Is channel ka pramaan: www.epfo.gov.in
thodi rashi chahiye
Advance — Form Thirty One
Poori jama nikaalne ki zaroorat nahin hai, tab advance ka rasta hai. EPFO ke circular ke mutabiq housing ke liye 31 ke saath ek declaration diya jata hai, aur housing ki zaroorat ke liye EPF Scheme ke housing wale paragraph ke tahat withdrawal ki suvidha hai.
Pehle yeh dhyaan rakhein
- Account mein itni jama ho ki advance ke baad bhi balance bacha rahe
- Aadhaar seed ho, kyunki self declaration ka rasta isi par tika hai
- Advance ke liye naukri chhodne ki zaroorat nahin hoti
Kadam dar kadam
Advance ka type chunein
Portal par advance ke kaaran poochhe jaate hain. EPFO ke circular ke mutabiq kuchh advance self declaration par mil jaate hain, isliye sabke liye alag alag kagaz nahin maange jaate.
Rashi aur account bharein
Kitni rashi chahiye woh bharein aur bank account confirm karein. Advance ka paisa usi account mein aata hai jo UAN par seed hai.
Track karein
Submit ke baad tracking number se status dekhein. EPFO ke circular ke mutabiq kuchh chhote claim auto processing se nikalte hain.
Is channel ka pramaan: www.epfo.gov.in
tax ki ganana
TDS Kitna Katega
TDS ka sawaal har withdrawal ke saath aata hai. EPFO ke sawaal-jawaab mein seedha likha hai ki service paanch saal aur saath mahine se zyada ho to TDS nahin katta, aur pichhle aur maujooda employer ki service jod kar dekha jata hai.
Pehle yeh dhyaan rakhein
- PAN KYC seed ho, warna TDS zyada katega
- Service ki ginathi pichhle employer ko mila kar hoti hai
- Chhoti rashi par Form ka rasta hai, jiske liye apne tax advisor se poochhein
Kadam dar kadam
Service mila kar dekhein
EPFO ke sawaal-jawaab ke mutabiq pichhle aur maujooda employer dono ki service jodi jaati hai. Isliye ek jagah kam service ho to bhi kul paanch saal poore ho sakte hain.
PAN jaanchein
Member portal mein KYC wale hisse mein PAN dikhega. Agar PAN nahin hai to pehle usse seed karein, kyunki isse TDS ka dar badh jaata hai.
TDS ke baare mein circular dekhein
EPFO ne provident fund ki payment par TDS ke liye alag circular nikala hai, aur income tax kanoon ki dhaara badlav ke liye ek aur. Dono ka reference neeche source mein diya hai.
Is channel ka pramaan: www.epfo.gov.in
rukawat aur uska ilaaj
When It Fails
- Claim reject ho gaya kyunk bank detail UAN par seed nahin thi
- Member portal mein bank account theek karein. EPFO ke circular ke mutabiq bank detail seed karne ke liye employer ki manzoori ki zaroorat nahin rahi, isliye yeh kaam aap khud kar sakte hain.
- Employer ne contribution mark nahin ki
- Employer se kahein ki ECR mein aakhri mahina darj ho. Jab tak wo nahin hota, claim office mein ruk jaati hai.
- Aadhaar UAN se link nahin hai
- EPFO ke circular ke mutabiak kuchh physical claim bina Aadhaar seed ke bhi nipat sakte hain, lekin online claim ke liye seeding ka rasta hi saaf hai. Pehle Aadhaar seed karein.
- Ek hi claim baar baar reject ho raha hai
- EPFO ne isi par circular nikala hai — ek hi claim alag alag wajah se reject hone par dobara darj karne se pehle office se wajah likhwa kar lein.
- Paisa bank mein nahin aaya
- Tracking number se status dekhein. EPFO ke sawaal-jawaab ke mutabiq jama bees din mein settle na ho to Regional PF Commissioner ke paas shikayat ki ja sakti hai.
- Cheque ki photo ya passbook ki copy maang rahe hain
- EPFO ke circular ke mutabiq kuchh cases mein cheque leaf ki photo lagane ki zaroorat hata di gayi hai. Purani jaankari par chal kar dobara upload na karein.
- Do PF account ek hi UAN par dikh rahe hain
- EPFO ke circular ke mutabiak galti se jude member id UAN se alag kiye ja sakte hain. Pehle saaf karein, phir claim darj karein.
- Claim submit ke baad kuchh dikhta hi nahin
- Tracking id save ki thi? Usi number se status dekha jaata hai. Member portal ke claim tab ke bahar koi doosra rasta isi jaanch ka nahin hai.
ek nazar mein
Short Verdict
Pehle yeh tay karein ki poori jama chahiye, pension hissa chahiye ya thodi rashi. Uske hisaab se form badalta hai, aur form ka naam EPFO ke apne circular mein likha hai. Bank aur KYC seed hone par hi claim jaldi nikalti hai, aur TDS ka sawaal service ki ginathi par tika hai.
aksar poochhe jaane wale sawaal
Frequently Asked Questions
Kaunsa form kab lagta hai?
Withdrawal ke liye kitni service chahiye?
Scheme certificate lena chahiye ya withdrawal benefit?
Online claim mein kitna waqt lagta hai?
Kya advance ke liye bhi naukri chhodni padti hai?
Bank account kaun sa hona chahiye?
Claim ke baad part payment mil sakti hai?
Transfer aur withdrawal mein kya farq hai?
aadhikarik srot
Official Sources
Form ke naam, self declaration ka rasta, part payment aur rejection se judhe niyam EPFO ke circulars index se liye gaye hain.
EPFO circular: the simplified UAN-based withdrawal claim forms · EPFO circular: the same circular names the pension withdrawal form · EPFO circular: the declaration filed with the housing form · EPFO circular: an advance on self-declaration · EPFO circular: withdrawal for housing needs · EPFO circular: part payment of final settlements · EPFO circular: the same claim rejected more than once · EPFO circular: bank seeding no longer needs employer approval · EPFO circular: physical claims without Aadhaar seeding · EPFO circular: the auto-claim processing ceiling · jaancha gaya
TDS ki shart, settlement ke baad kya karein, bank update aur scheme certificate ke niyam EPFO ke apne sawaal-jawaab se hain.
EPFO FAQ: no TDS once service crosses five years · EPFO FAQ: what to do when a PF amount is not settled in twenty days · EPFO FAQ: how a bank account is updated · EPFO FAQ: when a scheme certificate is issued · jaancha gaya
TDS ke do circular aur UAN se member id alag karne wala circular bhi usi index se hain.
EPFO circular: TDS on provident fund payments · EPFO circular: the TDS section amendment · EPFO circular: de-linking member ids from a UAN · jaancha gaya