Sometimes, you may need to withdraw a portion of your **Provident Fund (PF)** before retirement to meet urgent financial needs such as medical treatment, home construction, education, or marriage expenses.  

In such cases, you can apply for a **partial withdrawal (advance)** using **Form-31**.  
Here’s a clear, step-by-step guide to help you submit your PF Advance Request online through the **EPFO portal**.

### Step 1: Login with Your UAN & Password
Go to the official **EPFO Member Portal** and sign in using your **Universal Account Number (UAN)** and password.  

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%289%29.png"></img>

### Step 2: Click on “Online Services”
Once logged in, open the **Online Services** tab from the top menu.  
This section allows you to access all withdrawal and claim options.

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src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2810%29.png"></img>

### Step 3: Select “Claim (Form-31)”
Click on **“Claim (Form-31, 19, 10C & 10D)”** from the dropdown menu.  
This page lists all claim forms available for PF withdrawals, including Form-31 for partial withdrawal.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2811%29.png"></img>

### Step 4: Enter and Verify Bank Details
Provide the **bank account number** linked to your PF account and click **Verify**.  
This step ensures that your withdrawal amount will be credited to the correct bank account.

**Note:** Make sure your **account number, IFSC code, and name** exactly match your EPFO records to avoid rejection.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2812%29.png"></img>

### Step 5: Proceed for Online Claim
Once the bank details are verified successfully, click on **“Proceed for Online Claim.”**  
This will open up the PF claim form for you to continue your request.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2813%29.png"></img>

### Step 6: Select Your Claim Type
From the list of claim options displayed, choose **PF Advance (Form-31)**.  
This option allows you to withdraw funds for specific, approved purposes.

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src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2814%29.png"></img>

### Step 7: Confirm “PF Advance (Form-31)”
Select **PF Advance (Form-31)** again when prompted.  
This confirms that you are requesting a **partial withdrawal** from your PF account, not a full settlement.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/Advance%20PF%20Requests%20%2811%29.png"></img>

### Step 8: Choose Your Member ID
If your UAN has multiple member IDs (for different employers), select the **Member ID** against which you want the advance to be processed.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/Advance%20PF%20Requests%20%2812%29.png"></img>

### Step 9: Select the Purpose for Advance
From the dropdown menu, select the **Reason for your PF advance** — such as:
* Medical emergencies  
* Education or marriage expenses  
* Construction or purchase of a house  
* Unemployment or financial hardship  

Depending on your selection, the portal may request additional information or documents.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/Advance%20PF%20Requests%20%2813%29.png"></img>

### Step 10: Enter Your Aadhaar Address
Enter your **address exactly as it appears on your Aadhaar Card**.  
This detail is essential for identity verification and must match your Aadhaar records.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/Advance%20PF%20Requests%20%2814%29.png"></img>

### Step 11: Get Aadhaar OTP and Submit the Claim
Click on **Get Aadhaar OTP.** You’ll receive an OTP on your Aadhaar-linked mobile number — enter the OTP and click **Submit** to complete the process.  

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/Advance%20PF%20Requests%20%2815%29.png"></img>

Congratulations! 🎉 You’ve successfully submitted your **PF Advance (Form-31)** request online.You’ll receive an **Acknowledgement or Reference number** on the screen. Save it for future tracking.

Sometimes, you may need to withdraw a portion of your Provident Fund (PF) before retirement to meet urgent financial needs such as medical treatment, home construction, education, or marriage expenses.  

How to Apply for Advance PF Withdrawal ?

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