PF New Rules 2026: How to Withdraw PF Online – Complete Step-by-Step Guide
The Employees’ Provident Fund (EPF) rules for 2026 have introduced several important changes that every salaried employee must understand. Many people are still confused about 100% PF withdrawal, the 25% minimum balance rule, applicable PF forms, and the online withdrawal process. This detailed guide explains PF New Rules 2026 in simple language with practical examples.
EPF New Rule 2026: 25% Minimum Balance Explained
As per the latest EPF rules, you cannot withdraw your entire PF balance immediately.
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25% (₹25,000) must be maintained as minimum balance
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75% (₹75,000) is eligible for withdrawal
You can withdraw 100% of the eligible 75% amount.
When Can You Withdraw the Remaining 25% PF?
The remaining 25% PF balance can be withdrawn only under these conditions:
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After retirement
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Permanent disability
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Permanent exit from employment
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After 12 months (1 year) of unemployment
100% PF withdrawal is allowed only after completing 12 months of unemployment under EPF rules 2026.
EPF Old Rules vs New Rules 2026 (Major Changes)
1️⃣ PF Withdrawal for Marriage
Earlier Rule: Minimum 7 years of service required
New Rule 2026: Only 1 year of service required
2️⃣ PF Withdrawal for House Purchase or Construction
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Earlier: 5 years of service
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Now (2026): Only 1 year of service
3️⃣ PF Withdrawal for Medical Emergency & Education
Earlier, different rules applied for different reasons.
If you have 1 year of service, you can apply for partial PF withdrawal for:
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Medical emergency
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Education
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Marriage
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House purchase or construction
New Unemployment Rule (Very Important – 2026)
Old Rule: 100% PF withdrawal after 2 months of unemployment
New Rule 2026: You must be unemployed for 12 months
Only then can you withdraw the full eligible PF amount. This rule especially impacts employees who lose jobs unexpectedly.
Pension Component (EPS) Withdrawal Rule – 2026
Your PF account has two parts:
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EPF – Provident Fund
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EPS – Pension Component
New Pension Rule:
Pension (EPS) amount can be withdrawn only after 36 months (3 years) of unemployment
EPF Withdrawal TDS Rules 2026
If PF Amount is Below ₹50,000
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No TDS
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PAN not mandatory
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Full amount credited
If PF Amount is Above ₹50,000
| PAN Status | TDS Deducted |
|---|---|
| PAN not submitted | 20% |
| PAN submitted | 10% |
How to Avoid TDS
Submit:
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Form 15G – If age is below 60
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Form 15H – If age is 60 or above
PF Interest After Leaving Job (2026 Update)
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While employed → 8.25% interest
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After leaving job → Interest continues for 3 years
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After 3 years → No interest is credited
How to Withdraw PF Online – Step-by-Step Process
Step 1: Visit EPFO Website
Open your browser and visit the official EPFO website.
Step 2: Open Unified Member Portal
Click Online Services → Unified Member Portal
Step 3: Login
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Enter UAN number
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Enter password
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Verify OTP sent to your registered mobile number
Step 4: Complete KYC
Ensure these are verified:
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Aadhaar
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PAN
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Bank account with IFSC code
👉 All three must be approved.
EPF Withdrawal Forms Explained
✔️ Form 19 – Full PF Withdrawal
Use when you permanently leave your job.
✔️ Form 31 – Partial PF Withdrawal
Use for:
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Medical emergency
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Education
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Marriage
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House purchase or construction
✔️ Form 10C – Pension Withdrawal
Used to withdraw EPS (pension component).
✔️ Form 10D – Monthly Pension
Used to claim monthly pension after retirement.
Step 5: Upload Documents
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Bank passbook or cancelled cheque
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Form 15G / Form 15H (if applicable)
Step 6: Aadhaar OTP Verification
Verify OTP and submit your claim.
How to Check PF Claim Status
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Login to Unified Member Portal
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Click Track Claim Status
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PF amount is usually credited within 5–14 working days
Common Reasons for PF Claim Rejection
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KYC mismatch
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Incorrect bank details
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Wrong form selection
You can correct the errors and re-submit the claim.
PF New Rules 2026 – Top 10 FAQs
1️⃣ Can I withdraw 100% PF under EPF new rules 2026?
Yes, 100% PF withdrawal is allowed only after completing 12 months of unemployment. Before that, only the eligible portion can be withdrawn.
2️⃣ What is the 25% minimum balance rule in EPF?
As per the new EPF rules, 25% of your total PF balance must be maintained in the account. Only 75% is eligible for withdrawal.
3️⃣ How much service is required to withdraw PF in 2026?
You need a minimum of 1 year of service to withdraw PF for marriage, medical emergency, education, or house purchase/construction.
4️⃣ How can I withdraw PF online step by step?
You can withdraw PF online by logging into the EPFO Unified Member Portal, completing KYC, selecting the correct form, and submitting the claim using Aadhaar OTP.
5️⃣ What is the difference between Form 19, Form 31, Form 10C, and Form 10D?
Form 19 – Full PF withdrawal
Form 31 – Partial PF withdrawal
Form 10C – Pension (EPS) withdrawal
Form 10D – Monthly pension claim
6️⃣ Is TDS deducted on PF withdrawal?
Yes. If the PF amount is more than ₹50,000, TDS is deducted: 10% with PAN. 20% without PAN
7️⃣ How can I avoid TDS on PF withdrawal?
You can avoid TDS by submitting: Form 15G if your age is below 60. Form 15H if your age is 60 or above.
(Only if you have no taxable income)
8️⃣ How long does EPF earn interest after leaving a job?
EPF earns 8.25% interest for up to 3 years after leaving the job. After 3 years, no interest is credited.
9️⃣ When can I withdraw the pension amount (EPS)?
The pension component (EPS) can be withdrawn only after 36 months (3 years) of unemployment, as per EPF rules 2026.
🔟 Why is my PF claim rejected?
Common reasons for PF claim rejection include: KYC mismatch, Incorrect bank details, Wrong form selection. These issues can be corrected and the claim can be resubmitted.
