When PF Balance can be withdrawn: On Retirement Unemployed for 2 months or more (this needs to be certified by Gazetted Officer) Marriage of self, son/daughter, brother/sister - Min Service 7 yrs, up to 50% of employee share Education of self, children after class 10 - Min Service 7 yrs, up to 50% of employee share Home Loan Repayment - Min Service 10 yrs, up to 90% of both employer and employee share Renovation of House - Min Service 5 yrs, up to 12 times of monthly wage Before Retirement - on or after 57 yrs age, up to 90% of accumulated balance with interest. Note: Withdrawal of PF on switching jobs without remaining unemployed for two months is against PF Withdrawal rules. Procedure: Physical Application: Composite Claim Form (Aadhar) / (Non-Aadhar). These forms need to be submitted to jurisdictional EPFO office without the attestation of employer whereas Non-Aadhar form required attestation. Go to epfindia.gov.in , download section for forms. Online Applica
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