EPFO 2025 withdrawal and online claim rules
EPFO's 2025 rules simplify UAN activation, online EPF withdrawals, and balance checks with AI-backed tools like GPT-OSS. Here's your complete guide.
Ellofacts
Key EPFO Updates and Rules in 2025
Easier UAN Generation & Activation via UMANG (from Aug 1, 2025)
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Employees can now generate and activate their UAN directly through the UMANG app, using Aadhaar-based Face Authentication Technology (FAT)—no employer assistance needed.
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This change streamlines access to services like passbook viewing, KYC updates, and claims.
Simplified Account Transfers & KYC
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EPFO has introduced a revamped Form 13 for smoother PF account transfers and clarified tax components.
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Other eased processes include: no need to upload check leaves or passbook images, simplified bank account linking, and options for demand drafts.
Faster, Paperless PF Withdrawals
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Claiming EPF has become faster—no documents required, with funds going straight to your bank account if your UAN and Aadhaar are in place.
10-Year Withdrawal Flexibility
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EPFO now permits each employee to withdraw from their PF account once every 10 years, increasing financial flexibility while keeping long-term savings intact.
Handling a Disabled or Inoperative UAN
If your UAN is disabled, here’s what you can do:
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Often, the issue stems from misaligned KYC or stale accounts.
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Submit an unblocking request via the EPFO member portal after completing KYC. Your employer must approve it within the specified timeframe.
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For accounts inactive or transaction-less for 3+ years, you'll need to visit the EPFO field office or schedule a biometric verification through EPFiGMS. Home visit options are also available in special cases.
Checking EPF Balance & Filing Withdrawal Claims
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Log in to the EPFO portal or UMANG app using your active UAN and linked Aadhaar, PAN, and bank details.
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Go to "Online Services" → "Claim" and select the appropriate form (19, 10C, or 31) based on the type of withdrawal.
EPF Withdrawal Rules & Tax Implications (2025)
| Scenario | Withdrawal Details |
|---|---|
| Unemployment (≥ 1 mo) | Up to 75% of balance |
| Unemployment (≥ 2 mo) | Full balance |
| Home loan/buying | Up to 24–36 months salary, depending on policy |
| Emergencies (medical, etc.) | Up to 6 months' salary |
| Retirement (≥ 58 yrs) | Up to 90% of corpus |
| TDS | 10% if PAN linked; 30% otherwise (for ≤ 5 years of service or high amounts) |
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UAN Activation: Use UMANG + FAT for instant, secure setup.
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Transfers & Claims: Streamlined online workflows—no physical documents needed.
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Disabled UAN: Unblocking requires KYC plus potential field office intervention.
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Withdrawals: Rule-based access with some tax implications.
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New Flexibility: EPFO allows one PF withdrawal every 10 years.
