When you leave a job or retire, you can withdraw the full amount accumulated in your **Provident Fund (PF)** account.  
This process is done using **Form-19**, which allows you to claim your **final PF settlement** online through the EPFO portal.

This guide explains, step by step, how to complete your Form-19 submission easily and correctly — ensuring your funds reach your bank account without delay.


### Step 1: Log in with Your UAN & Password
Visit the official **EPFO Member Portal** and log in using your **Universal Account Number (UAN)** and password.  
Make sure your mobile number linked with Aadhaar is active, as you’ll need it for OTP verification later.

<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 you’re logged in, go to the top menu and click on **“Online Services.”**  
This section contains all withdrawal and claim options available on the EPFO portal.

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

### Step 3: Select “Claim (Form- 19)”
Under Online Services, click **“Claim (Form-31, 19, 10C & 10D)”**.  
This opens the page where you can choose between different types of claims, including **PF Advance**, **Pension Withdrawal**, and **PF Final Settlement (Form-19)**.

<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 Your Bank Details
Provide the **bank account number** linked to your PF account and click **Verify**.  
This ensures your PF settlement amount will be transferred to the correct account.  Double-check that your account number, IFSC code, and name match your EPFO records to avoid delays.

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

### Step 5: Click “Proceed for Online Claim”
Once your bank details are verified, click **“Proceed for Online Claim.”**  
This will take you to the claim form where you can select your withdrawal type.
<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-10C%20%2813%29.png"></img>

### Step 6: Choose Your Claim Option
From the dropdown menu, select **“Only PF Withdrawal (Form-19)”**.  
This option ensures that your request is specifically for full PF settlement and not for partial withdrawal or pension benefits.

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


### Step 7: Select the PF Final Withdrawal Option (Form-19)

From the list of claim types displayed, choose **“Only PF Withdrawal (Form-19)”**.  
This option allows you to apply for **final settlement of your Provident Fund account**.  

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-19%20%287%29.png"></img>

### Step 8: Enter Your Aadhaar Address and Upload Form-15G
Enter the **address exactly as mentioned on your Aadhaar card** to ensure a smooth verification process. Next, upload your **Form-15G** (if applicable). This form helps avoid TDS deduction for eligible individuals, especially if your income is below the taxable limit.

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-19%20%288%29.png"></img>

### Step 9: Verify with Aadhaar OTP and Submit
Click on **“Get Aadhaar OTP.”** You’ll receive a one-time password on your Aadhaar-linked mobile number.  
Enter the OTP and click **Submit** to complete the claim process.  

<img
src="https://pensionbox-public-bucket.s3.ap-south-1.amazonaws.com/BlogInnerImages/FORM-19%20%289%29.png"></img>

Congratulations! 🎉 You’ve successfully submitted your **PF Final Settlement (Form-19)** online. The **EPFO** will review your claim and process the payment, usually within **5–10 working days**. You can track your claim under **“Track Claim Status”** on the EPFO portal. For any delay or rejection, raise a ticket on the **EPFO Grievance Portal**.  

By following these steps carefully, you can complete your **PF withdrawal** securely and get your hard-earned savings directly into your bank account — quickly and without hassle.

When you leave a job or retire, you can withdraw the full amount accumulated in your Provident Fund (PF) account.  

How to Claim Your PF Final Settlement — Step-by-Step Guide (Form 19)

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