Author
LoansJagat Team
Read Time
5 Min
06 Jun 2025
Rakesh, 32, just quit his job at a tech firm in Bengaluru. For the past 7 years, he earned ₹45,000 monthly. Like many employees, 12% of his salary, ₹5,400, was automatically deducted monthly for his Provident Fund. His employer also contributed ₹5,400 monthly. Together, that was ₹10,800 stacking up like a secret jackpot.
Let us do the math:
That is over 11,00,000 rupees just chilling in his PF account!
But Rakesh had one burning question, one that confuses even the most competent office pros:
"How to claim PF amount without running around government offices like a headless chicken?"
You’re in luck. Whether you're Rakesh, Sneha, Priya, or that one colleague who thinks PF is a mystery box, this guide will break it down step-by-step—with funk, facts, and flavour.
"Salary se kata tha jabardasti, ab lelo paisa full authority!"
The Provident Fund is a mandatory savings tool where both the employee and employer contribute monthly. Over the years, this amount earns interest and becomes a safety net.
Let’s break it down with a basic example:
Year | Monthly Salary (₹) | Employee Contribution (12%) | Employer Contribution (12%) | Annual Total (₹) | Total After 5 Years |
1 | ₹30,000 | ₹3,600 | ₹3,600 | ₹86,400 | ₹4,32,000 (5 years) |
Add compound interest (around 8.25% annually), and your final PF kitty will look even better.
“Apna paisa vasool karo; PF mein interest bhi free ka milta hai, boss!”
So, how to claim PF amount without running behind HR and filling dusty forms? Let’s break it down:
UAN stands for Universal Account Number. You need this unique ID linked to your PF account. If you don’t have it:
To smoothly process your how to claim PF amount request:
“Pehle documents set karo, phir paisa jet karo!”
Now comes the main dish. Here's how you do it:
You will receive an SMS with tracking ID. You can use it to check status later.
“Ab form bharo ya khaali wallet se gussa karo; choice is yours!”
Scenario | Eligible to Claim | Required Form | Processing Time |
Jobless for 2+ months | Yes | Form 19 & 10C | 10-15 working days |
Resigned and 58+ years old | Yes | Form 10D | Up to 30 days |
Retired after 10+ years | Yes | Form 19 & Pension Form | 20 days |
Partial withdrawal for marriage | Yes (with 7 yrs) | Form 31 | 7-10 days |
“Shaadi ka kharcha ho ya bike ka sapna; PF sab sambhalega apna!”
Say you contributed ₹3,000 monthly for 8 years.
Total PF = ₹6,96,000
This is the magic amount waiting for you.
Before you click that sweet submit button, ensure the following are ready:
Document | Mandatory | Notes |
Aadhaar Card | Yes | Must be linked with UAN |
PAN Card | Yes | Mandatory for tax deductions |
Bank Account Passbook | Yes | For bank detail verification |
Cancelled Cheque | Optional | Some employers ask |
Employment Exit Date Updated | Yes | Via employer or auto-populated |
“File ready rakho, stress free jiyo!”
Did you know withdrawing PF before five years of service attracts tax?
Service Duration | Tax on Withdrawal |
Less than 5 yrs | Yes (TDS 10%-30%) |
More than 5 yrs | No Tax |
Quick Tip: If you are withdrawing below ₹50,000 before 5 years, you can avoid TDS. However, it still may be taxed as per your slab.
“Sahi waqt pe withdraw karo, warna tax waale dosti tod denge!”
To track the status of your how to claim PF amount request:
You can also use the UMANG App, available on Google Play Store and Apple App Store.
Step | Approx. Time |
KYC Update | 2-3 working days |
Form Submission | 1 day |
Employer Verification | 3-5 days |
EPFO Processing | 5-10 working days |
Final Credit to Bank | Within 3 days |
Total: 10 to 15 working days, depending on your employer’s responsiveness.
“Jab employer kare delay – tab chill maar aur chai lele bhai!”
Claiming your PF amount is like cashing a golden lottery ticket; but one that you funded. Whether you are switching jobs, retiring, or starting a chaat business like Rakesh, understanding how to claim PF amount is pure adulting gold.
Make sure your KYC is tight, your forms are clean, and your chai is strong.
Task | Action |
Get UAN | EPFO Portal |
Link Aadhaar, PAN, Bank | Update KYC section |
Fill Claim Form | Online then Services and then go to Form 19 or 10C |
Track Status | Claim Status Portal |
Resolve Issues | EPFO Grievance Portal |
“Ab paisa lene se mat ghabrao – EPFO se direct wallet mein lao!”
Stay tuned for more money hacks, funky finance, and real-world adulting lessons. Share this blog with your office bestie who is always wondering about how to claim PF amount but never Googles it properly.
1. Can I claim my PF without resigning from my job?
You cannot claim the full PF amount while still employed. However, partial withdrawal is allowed for specific reasons like medical treatment, marriage, or home purchase.
2. How many days does it take to get the PF amount after claiming?
On average, it takes 10 to 15 working days after submission, provided all details and documents are correct and approved by your employer.
3. Is it compulsory to have an Aadhaar linked to claim PF?
Yes, linking Aadhaar to your Universal Account Number is mandatory for hassle-free online PF withdrawal and KYC verification.
“Sawal jitne simple, paisa utna jyaada!”
Keep asking, keep claiming, and keep slaying those savings like a finance ninja.
Other How to Guides | ||
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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