How to withdraw PF balance without UAN? Check step by step process here

You can make partial or complete withdrawal of your money with your EPF. One can withdraw his\her entire money with EPF, only when he\she retires or remains unemployed for more than 2 months. In this case of unemployment one must get it authorised with a gazetted officer that he\she has been unemployed for more than 2 months.

How to withdraw PF balance: What if you want to PF due to some money requirement but don't posses a Universal Account Number (UAN)? In such situation, fill an offline form and submit it to the EPFO's office and wait till the settlement. Employees, who do have a UAN, have to fill various forms as per need. Let us explain how to withdraw your money without a UAN of PF.

When can one withdraw money from EPF?

You can make partial or complete withdrawal of your money with your EPF. One can withdraw his\her entire money with EPF, only when he\she retires or remains unemployed for more than 2 months. In this case of unemployment one must get it authorised with a gazetted officer that he\she has been unemployed for more than 2 months. Under certain circumstances one can also do a partial withdrawal from a EPF account.

Why Should You Avoid PF Withdrawal

1. EPF is a retirement corpus. You should not touch it as far as possible. It becomes very tough to build a retirement corpus in older age.
2. You can easily transfer PF balance through the online process. Build your retirement corpus by adding the PF balances.
3. Your PF withdrawal amount becomes taxable if it is withdrawn before the 5 years of the PF account opening.

4.It is against the rules if you withdraw the epf balance

of an earlier job while you are still employed.

You should withdraw the PF amount only when you don’t have any job for more than 2 months and you are not going to get a job. According to the rules, you can’t withdraw PF amount within 2 months of leaving the service.

Common Problems In PF Withdrawal

The signature can mismatch. After a long stint, your signature can change. If this is the situation, then you have to make an affidavit. This Affidavit should be also verified by the employer.

There may be errors in spelling of your or your father’s name. Again, your employer will rectify if first, then you can apply for withdrawal.

You may have closed your earlier account. An affidavit and employer attestation would work in this case as well.

The employer did not submit your recent PF contribution. If it happens, you can complain to regional EPFO. Else, you can wait for some days.

You have not served your notice period and the employer is not supporting. Don’t worry, you can withdraw EPF without the employer’s signature as well. If you have universal account number, don’t worry for this highhandedness.

Your employer doesn’t have a record of the EPF account number. To get the PF number search your old Pay Slip. Generally, it has the PF account number. Still, you can’t get the PF number, write a letter to the regional Pf commissioner with all the details (name, father’s name, DOB, Name of establishment, Location, date of joining date of leaving) and ask for PF number. Use register your grievance facility of EPFO.

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