EPFO recently introduced the EPF Composite Claim Form. This is a single form for all types of withdrawal (including partial or advance withdrawal) with or without employer signature.
Last year, EPFO introduced the UAN based EPF and EPS withdrawal forms to simplify the process (New EPF Withdrawal Forms-Withdraw without employer signature). To simplify the process, now the single form is introduced as EPF Composite Claim Form.
This will replace the existing Forms 19, Form 10C and Form 31. Form 19 is used for EPF final settlement, Form 10C is used for EPS withdrawal and Form 31 is used for EPF partial withdrawal. are accepted for PF Final Settlement, EPS Pension.
Last year the forms were changed to UAN based Form 19, Form 10C and Form 31. If your EPF account is UAN based, then you can easily withdraw the EPF without employer signature. These UAN forms can be used if your EPF is UAN activated with KYC details like Aadhar number, Bank Account, and other KYC details have been linked to your UAN.
Let me explain the same from below image the process.
You noticed that even though the process is improved by removing employer in UAN based EPF withdrawal, it still complicated due to number of forms involved.
Hence, now EPFO come up with single EPF Composite Claim Form which you can use for EPF withdrawal, partial withdrawal, advance, and EPS withdrawal.
EPF Composite Claim Form Types
There are two types of forms.
1) EPF Composite Claim Form (Aadhar)
If your UAN has been linked with Aadhar and bank details, this form can be submitted for all types of EPF withdrawals. The attestation of an employer is not required and this form can be submitted to EPFO directly.
2) EPF Composite Claim Form (Non-Aadhar)
If your UAN has not yet been linked with Aadhar and bank details, this form can be submitted for all types of EPF withdrawals. The attestation of an employer is required and the form has to routed through an employer.
When can you use EPF Composite Claim Forms?
This EPF Composite Claim Form can be used for below purpose.
# EPF Final Settlement
# EPF Partial or Advance withdrawals for purposes like;
- Housing Loan, Purchase of site, Construction of house, renovation of house etc.,
- Medical treatment of self/family member
- One year before retirement
- Investment in Varistha Pension Bima Yojana
- Marriage of self / son / daughter / brother / sister etc.,
# EPS Pension Withdrawal
EPF Withdrawal Process using EPF Composite Claim Form (Aadhaar and Non-Aadhaar)
Now the process of withdrawal using EPF Composite Claim Form will be as below.
You noticed that if your Bank Account and Aadhaar Card is linked to your UAN number then it is the easiest process to withdraw the EPF or EPS.
New Single Page EPF Composite Claim Form (Aadhar) and (EPF Composite Claim form (Non-Aadhar) Download
# You can download the new single page EPF Composite Claim Form (Aadhaar). Below is the sample image of the form.
# You can download the new single page EPF Composite Claim Form (Non-Aadhaar). Below is the sample image of the form.
EPF Partial Withdrawals & New Instructions (Effective from February 2017)
# As of now, if you want to take advance or loan from EPF, then you have to submit the ‘Declaration Form’ along with Form 31 or Form 31 (UAN). However, with the introduction of EPF Composite Claim Form, you no need to submit such declaration.
# You no need to submit any other documents or certificate along with EPF Composite Claim Form for the purpose of withdrawals like Housing loan, Marriage, construction of house and education expenses. Instead of this, you have to self-certify the Common withdrawal form.
# Submission of EPF Composite Claim Form (Aadhar) / (EPF Composite Claim form (non-Aadhar) is construed as ‘self-certification’ for the above said partial withdrawals, for which no document would be required to be submitted to the EPFO offices.
Hope this much information is enough to use this newly launched single page EPF Composite Claim Form at ease.