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PF withdrawal — Form 19, 31, 10C and the 2026 rules
Under the EPF Scheme 2026 you claim on the member portal; the old form names are not used in the Scheme. If you left your job, full withdrawal comes after 12 months without work, and the Labour Ministry says 75% can be taken at once. Retirement after 55, retrenchment, a permanent move or job abroad and total incapacity have no wait.
Updated: · Next check 2027-02-02
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Enter a date — we’ll count the deadlines
- Full withdrawal fromtype the date
- Pension part fromtype the date
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Check your own case.
12 months without work, EPF Scheme 2026, para 49. Pension part: counted from your last contribution.
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Check your date of exit first.
If you changed jobs, ask about a transfer before you withdraw.
Deadlines
The rules, with the source
| What | Deadline | Source |
|---|---|---|
| Old form names | Form 19 full withdrawal, Form 31 part withdrawal, Form 10C and 10D pension. The 2026 Scheme does not use them: you claim on the portal | EPF Scheme 2026, G.S.R. 525(E) |
| Left your job | Full withdrawal after 12 months without work. The Labour Ministry says 75% can be taken at once | EPF Scheme 2026, para 49; PIB, October 2025 |
| No wait | Retirement after 55, retrenchment, permanent move or job abroad, total incapacity | EPF Scheme 2026, para 49 |
| Part withdrawal | 25% of the contributions, with interest, stays in your account | EPF Scheme 2026, para 46 |
| Full withdrawal | Ends your membership. If you join again you are a fresh member | EPF Scheme 2026, para 49 |
| Pension part | After 36 months from the last contribution | EPF Scheme 2026; PIB, October 2025 |
| Payment | A complete claim is paid within 20 days. After that, interest at 12% a year | EPF Scheme 2026, para 54 |
| Tax | Under 5 years of service, TDS of 10% on Rs 50,000 or more, unless an exemption applies. Form 121 replaced earlier declarations from 1 April 2026; file it for each tax year, only if your tax is nil | Income-tax Act 2025, s.392(7), 393(6); Rules, r.211 |
The live EPFO site did not open, so EPFO pages were read from the archive, up to April 2026. Form names after July 2026 are not confirmed.
What does not exist
Be careful with these.
- “Pay us to release your PF”: Claims go through the member portal, or a paper claim through your employer. Complaints: EPFiGMS, UMANG, helpline 14470.
- “Moving to a new job means you must withdraw”: A transfer to your new account is not taxed.
Step by step
What to do, in order
1
Check the portal
Active UAN, phone linked to Aadhaar, Aadhaar, bank account and PAN.
2
Check your date of exit
Without it a final claim will not go through.
3
File your e-nomination
Do this before you claim.
4
Choose your case
Full withdrawal, part withdrawal, pension part, or a transfer to your new account.
5
Claim on the member portal
If you cannot claim online: a paper claim through your employer.
6
Keep the claim number
With the amount, date, Form 121 and TDS details.
Questions
When can I withdraw all my PF after leaving a job?
After 12 months without work. The Labour Ministry says 75% can be taken at once. Some cases have no wait.
Are Form 19 and Form 31 still used?
The 2026 Scheme does not use them: you claim on the portal. Those are the old names.
Is PF withdrawal taxed?
Under 5 years of service, TDS of 10% on Rs 50,000 or more, unless an exemption applies.
What is Form 121?
It replaced Forms 15G and 15H from 1 April 2026. File it for each tax year, only if your tax is nil.
Should I withdraw or transfer?
A transfer to your new account is not taxed. Full withdrawal ends your membership.
Official sources
Other documents
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This page helps you prepare. EPFO decides your claim. Not tax advice.