EPF withdrawal claim: Do you need to submit any documents while withdrawing money from your EPF account?
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The Employee PF withdrawal rules allow provident fund members to withdraw money for education, marriage, buying a house, illness and other purposes. Many EPF members are confused whether they are required to submit any documentary evidence while submitting an EPF withdrawal claim to the EPFO. The government has provided the answer to this query in the current parliament session. According to the government, 'No document substantiating the claim is required to be submitted to the EPFO offices.'The Ministry of Labour and Employment (EPFO) responded to questions raised in the Lok Sabha by providing insights on EPFO's efforts to streamline claim processes, enhance transparency, and reduce rejections. ET Wealth Online breaks down the government's official response to key questions below on EPFO claim rejections Members of Parliament Vijayakumar alias Vijay Vasanth, Manickam Tagore B, Suresh Kumar Shetkar asked the following questions on EPFO claim rejection issues faced by people.The details of the rationale behind the EPFO's decision to allow employees to self-declare reasons for partial withdrawals from their provident fund accounts, and the manner in which they impact the authenticity of claims.The government replied in Parliament and said the composite claim Form introduced in 2017 aims to rationalize the process of claiming advances/partial & final withdrawals by relying on 'self-certification' for this purpose reposing trust in the member. Accordingly, no document substantiating the claim is required to be submitted to the EPFO offices.The government replied to the aforementioned question in Parliament and said, 'In the new simplified settlement process the requirement of uploading the image of the cheque leaf/pass book was removed on 03.04.2025. The claims rejected due to poor quality document uploads for ensuring KYC/identity with regard to bank account has significantly reduced. Over 1.9 Crore members have benefited from the simplified process since 22.07.2025.'The government responded in Parliament and said all claims are filed only after a member account is activated using Aadhaar OTP or face authentication. All payments pursuant to claim settlement are sent to bank accounts directly verified with the concerned bank to ensure credit to member account only. A system of concurrent audit is being undertaken followed by internal audit as well as statutory audit to monitor any process violation.The government responded in Parliament and said process simplification has been done to increase auto settlement of advance claims. The reasons for claim return/rejections have been rationalized reducing the existing 44 reasons to 18 reasons. A remarks column to facilitate entering of description of any other reason has also been provided.The government in Parliament replied: Under the revised procedure, the members whose Universal Account Number (UAN) has already been validated through Aadhaar can update their profile online like name, date of birth, gender, father/mother's name, marital status, spouse name etc. without any approval from employer or EPFO. This has resulted in facilitating the member to carry out self -corrections and removing errors in profile data which leads to easier claim settlement.The government in Parliament replied: The auto settlement of claims processing limit under Paragraph 68J (Illness) of the EPF Scheme was enhanced from Rs 50,000/- to Rs 1 Lakh in April 2024. Subsequently, advances/withdrawals for Housing and Marriage have also been included under the auto-settlement of claim facility and the limit of all such advances/withdrawals has been increased from Rs 1 lakh to Rs 5 lakh with a view to facilitate more members availing speedy settlements. Claims under auto settlement process are settled within 3 days of receipt.
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