PF ka paisa kaise nikale, yeh sawaal har naukri karne wale vyakti ke mann me kabhi na kabhi zaroor aata hai. Provident Fund (PF) aapki salary ka woh hissa hai jo har mahine aapke aur aapke employer ke contribution se banta hai, aur yeh paisa aapke retirement ke liye surakshit rehta hai. Lekin zaroorat padne par — jaise bimaari, shaadi, padhai ya ghar khareedna — aap is paise ka ek hissa nikaal bhi sakte hain. 2026 me EPFO ke niyam badal gaye hain, isliye PF ka paisa kaise nikale, yeh jaanne se pehle naye niyam samajhna bahut zaroori hai. Is article me hum eonblog par PF balance check karne ke 5 tareeke, online withdrawal ki poori step-by-step process, kitna paisa milega, tax ke niyam aur claim status check karne ka tareeka — sab kuch aasan Hindi me samjhayenge.
PF Kya Hai aur 2026 Me Kya Badla Hai
PF ka paisa kaise nikale, yeh samajhne ke liye pehle yeh jaan lein ki Employees’ Provident Fund (EPF) Bharat sarkar ki ek retirement saving scheme hai, jo Employees’ Provident Fund Organisation (EPFO) chalata hai. Isme har mahine aapki basic salary aur dearness allowance (DA) ka 12% aapke hisse se aur 12% employer ke hisse se jama hota hai. Employer ke 12% me se 8.33% pension scheme (EPS) me aur 3.67% aapke PF account me jaata hai. Is par har saal byaaj milta hai — FY 2025-26 ke liye interest rate 8.25% per annum hai.
29 June 2026 ko purani EPF Scheme 1952 ki jagah nayi Employees’ Provident Funds Scheme, 2026 (G.S.R. 525(E)) lagu hui hai. Iske saath nayi Employees’ Pension Scheme, 2026 bhi aayi hai. PF ka paisa kaise nikale, iske niyam ab pehle se aasan bhi hue hain aur kuch jagah sakht bhi. Sabse bada badlaav yeh hai ki partial withdrawal ke liye ab 13 alag-alag wajah ki jagah sirf 3 category hain, aur final settlement ka intezar 2 mahine se badhkar 12 mahine ho gaya hai. 17 September 2026 se PF wage ceiling bhi ₹15,000 se badhkar ₹25,000 per month ho gayi hai, jisse ₹15,001 se ₹25,000 salary wale naye employees bhi EPFO ke daayre me aa gaye hain.
PF Ka Paisa Kaise Dekhen — Balance Check Ke 5 Tareeke
PF ka paisa kaise nikale, yeh jaanne se pehle aapko yeh pata hona chahiye ki aapke account me kitna paisa hai. PF ka paisa kaise dekhen, yeh pehla step hai. Balance check karne ke 5 official tareeke hain:
1. EPFO Passbook Portal Se
Sabse aasan tareeka hai EPFO ki passbook website passbook.epfindia.gov.in par jaakar apna UAN aur password daal kar login karna. Login ke baad aapko apne saare member IDs dikhenge — jis company me aapne kaam kiya, uska alag member ID hoga. Kisi bhi member ID par click karte hi aapko employee contribution, employer contribution aur byaaj ka poora hisaab dikh jayega. Passbook me aap apna PF balance month-wise dekh sakte hain aur use download bhi kar sakte hain.
2. UMANG App Se
UMANG app (Unified Mobile Application for New-age Governance) par EPFO ki services milti hain. App me login karke ‘EPFO Services’ me jaayein aur ‘View Passbook’ par click karein. Yahan aapko wahi passbook dikhega jo website par dikhta hai. UMANG app se aap claim bhi file kar sakte hain aur apne UAN ko Aadhaar face authentication se activate bhi kar sakte hain.
3. Missed Call Se
Apne UAN se registered mobile number se 9966044425 par missed call dein. Kuch hi second me aapko SMS par aapka PF balance bhej diya jayega. Iske liye aapka UAN activate hona chahiye aur Aadhaar, PAN aur bank account KYC complete hona chahiye. Yeh tareeka un logo ke liye sabse aasan hai jinke paas smartphone ya internet nahi hai.
4. SMS Se
Apne registered mobile se ‘EPFOHO UAN ENG’ likhkar 7738299899 par SMS bhejein. Yahan UAN ki jagah apna 12-digit UAN number likhna hai aur ENG ki jagah aap apni pasand ki bhasha bhi chun sakte hain — jaise Hindi ke liye HIN. SMS ke jawab me aapko aapka PF balance aur last contribution ki jaankari milegi.
5. EPFO Member Portal Se
EPFO ke Unified Member Portal unifiedportal-mem.epfindia.gov.in par UAN aur password se login karein. Dashboard par ‘View Passbook’ ka option milega. Yahan se aap balance ke saath-saath apni KYC status, service history aur claim status bhi dekh sakte hain.
PF Nikalne Se Pehle Yeh 3 Cheezein Zaroor Check Karein
PF ka paisa kaise nikale, is process ko shuru karne se pehle teen cheezein poori honi chahiye, warna aapka claim reject ho sakta hai:
1. UAN Activate Hona Chahiye: UAN (Universal Account Number) 12-digit ka number hai jo aapko job join karte hi milta hai aur yeh zindagi bhar ek hi rehta hai. 1 August 2025 se website par OTP se UAN activate karne ka tareeka band ho gaya hai. Ab UAN sirf UMANG app par Aadhaar face authentication se activate hota hai. PF ka paisa kaise nikale, iske liye UAN activate hona pehli shart hai. Agar aapka UAN abhi tak activate nahi hua hai, to pehle use activate karein.
2. KYC Complete Hona Chahiye: Aapka Aadhaar, PAN aur bank account UAN se link aur verified hona chahiye. Member portal par ‘Manage’ aur phir ‘KYC’ me jaakar aap apni KYC status dekh sakte hain. Bank account ka IFSC aur account number sahi hona bahut zaroori hai, kyunki paisa seedha isi account me aata hai.
3. Date of Exit Update Hona Chahiye: Agar aapne naukri chhod di hai aur final settlement chahte hain, to aapke employer ko aapki date of exit portal par update karni hoti hai. Date of exit update hue bina final settlement ka claim nahi bhar sakte.
PF Ka Paisa Kaise Nikale — Partial Withdrawal (Advance) Ke Naye Niyam
Nokri karte hue bhi PF ka paisa kaise nikale, yeh sawal aata hai — iska jawab hai partial withdrawal ya advance, jise aap naukri me rehte hue nikaal sakte hain. 2026 ke naye niyam ke mutabik:
- 12 mahine ki membership zaroori hai: Advance ke liye aapki kul membership kam se kam 12 mahine ki honi chahiye.
- 75% tak nikaal sakte hain: Aap apne kul balance me se 25% minimum balance chhodkar baaki paisa nikaal sakte hain. Matlab agar aapka balance ₹8,00,000 hai, to ₹2,00,000 account me rakhkar ₹6,00,000 tak nikaal sakte hain. Yeh paisa ek baar me ya kai baar me nikaala jaa sakta hai.
- Sirf 3 category: Ab advance ke liye sirf teen category hain — zaroori zarooratein (essential needs, jaise bimaari, shaadi, padhai), ghar (housing, jaise ghar khareedna ya banana) aur khaas paristhitiyan (special circumstances). Pehle ke 13 alag-alag wajah ab inhi teen me sama gaye hain.
- Kam se kam ₹1,000 ka claim: Ek claim kam se kam ₹1,000 ka hona chahiye.
- ₹5 lakh tak auto-settlement: June 2025 se ₹5 lakh tak ke advance claims auto mode me settle hote hain, matlab bina kisi officer ke haath lage system khud claim approve kar deta hai. Aise claims aam taur par 3 working days ke andar settle ho jaate hain. ₹5 lakh se zyada ka claim ya jo claim automated check me fail ho jaye, use officer dekhta hai.
- Koi document upload nahi: 2026 se claim ke saath cancelled cheque ya bank passbook ki copy upload karne ki zaroorat nahi hai. Sirf apne bank account ke aakhiri 4 digits verify karne hote hain.
PF ka paisa kaise nikale, iska yeh partial withdrawal wala tareeka un logo ke liye sabse kaam ka hai jo naukri me hain aur kisi zaroorat ke liye paise chahte hain.
Naukri Chhodne Ke Baad PF Ka Paisa Kaise Nikale — Full Settlement
Agar aapne naukri chhod di hai, to PF ka paisa kaise nikale, iske full settlement wale niyam 2026 me badal gaye hain:
- 75% turant: Naukri chhodne ke baad aap apne PF balance ka 75% turant nikaal sakte hain, isme employee aur employer dono ka hissa aur byaaj shaamil hai.
- Baaki 25% ek saal baad: Bacha hua 25% tab milega jab aap 12 mahine tak lagatar bina naukri ke rahein. Pehle yeh intezar sirf 2 mahine ka tha, ab yeh 12 mahine ka ho gaya hai.
- 100% turant kab milega: Poora 100% paisa turant sirf in cases me milta hai — retirement (55 saal ya usse zyada umr), permanent disability, retrenchment, voluntary retirement (VRS), ya hamesha ke liye videsh jaane par. Shaadi ke liye naukri chhodne wali mahilaon ko 12 mahine ka intezar nahi karna padta.
- Form 19: Final settlement ke liye Form 19 bhara jaata hai. Online portal par ‘Online Services’ aur phir ‘Claim’ me jaakar Form 19 select karein.
- 20 din ki time limit: EPFO ko poora claim 20 din ke andar settle karna hota hai. Agar koi kami hai, to 20 din ke andar aapko batana hota hai.
EPS Pension Wala Hissa — Form 10C Aur 36 Mahine Ka Intezar
PF ka paisa kaise nikale, isme pension (EPS) wala hissa alag niyam se chalta hai. Aapke PF ka ek hissa pension (EPS) me jaata hai aur is hisse ke niyam PF se alag hain:
- Agar aapki pension wali service 10 saal se kam hai, to aap Form 10C se pension ka paisa nikaal sakte hain ya Scheme Certificate le sakte hain.
- 36 mahine ka intezar: Naye EPS 2026 ke mutabik, pension ka paisa aapke aakhiri contribution ke 36 mahine baad hi milega, ya 58 saal ki umr par, jo pehle ho. Pehle yeh intezar sirf 2 mahine ka tha.
- 10 saal ya zyada service: Agar aapki pension wali service 10 saal ya usse zyada hai, to aapko pension milegi, withdrawal benefit nahi. Isliye Form 10C bharne se pehle achhe se soch lein, kyunki pension ka paisa nikaalne ka matlab hai pension ka haq hamesha ke liye khatm karna.
- Scheme Certificate: Agar aap aage kisi aur company me kaam karne wale hain, to Scheme Certificate lena behtar hai — isse aapki pension service aage carry forward ho jaati hai.
PF Ka Paisa Kaise Nikale Online — Step-by-Step Process
PF ka paisa kaise nikale online, iski poori process yeh hai:
Step 1: EPFO Member Portal unifiedportal-mem.epfindia.gov.in par apne UAN aur password se login karein.
Step 2: ‘Manage’ aur phir ‘KYC’ me jaakar check karein ki Aadhaar, PAN aur bank account verified hain.
Step 3: ‘Online Services’ menu me ‘Claim (Form-31, 19, 10C and 10D)’ par click karein.
Step 4: Apne bank account ke aakhiri 4 digits daalkar verify karein.
Step 5: ‘Proceed for Online Claim’ par click karein. Yahan aapko apne claims ke options dikhenge.
Step 6: Claim ka type chunein — advance ke liye Form 31, final settlement ke liye Form 19, pension ke liye Form 10C.
Step 7: Withdrawal ki wajah (purpose) aur kitni rakam chahiye, yeh bharein. Advance me 12 mahine ki membership aur 25% minimum balance ka niyam yaad rakhein.
Step 8: Apna address aur declaration bharein, phir Aadhaar OTP se verify karein.
Step 9: Claim submit karein. Aapko ek Claim ID milegi — ise sambhal kar rakhein.
Step 10: ‘Online Services’ aur phir ‘Track Claim Status’ me jaakar apne claim ki status check karein. ₹5 lakh tak ke advance claims aam taur par 3 working days me settle ho jaate hain.
Claim Status Kaise Check Karein
PF ka paisa kaise nikale, yeh process claim submit karne par khatm nahi hoti — uske baad claim status check karna bhi zaroori hai. Claim submit karne ke baad aap apne claim ki status aise check kar sakte hain:
- Member portal par login karke ‘Online Services’ aur phir ‘Track Claim Status’ par click karein. Yahan aapko claim ki har stage dikhegi — Under Process, Settled ya Rejected.
- UMANG app par bhi ‘Track Claim’ ka option milta hai.
- Agar claim reject ho gaya hai, to wajah bhi yahin dikhegi. Aam wajah hoti hain — KYC incomplete hona, bank details galat hona, ya date of exit update na hona. Wajah theek karke aap dobara claim kar sakte hain.
PF Se Kitna Paisa Milega — Ek Example
PF ka paisa kaise nikale, yeh jaanne ke baad sabse bada sawaal yeh hota hai ki kitna paisa milega. Ek example se samajhte hain:
| Vivran | Rakam |
|---|---|
| Kul PF Balance | ₹8,00,000 |
| Minimum Balance (25%) jo account me rahega | ₹2,00,000 |
| Advance me nikaal sakte hain (75%) | ₹6,00,000 |
| Naukri chhodne par turant (75%) | ₹6,00,000 |
| 12 mahine bina naukri ke baad (25%) | ₹2,00,000 |
| Retirement (55+) par | ₹8,00,000 (poora) |
Dhyaan dein ki pension (EPS) wala hissa is hisaab se alag hai — us par 36 mahine ka alag niyam lagta hai.
PF Nikalne Par Tax Ke Niyam
- 5 saal ke baad tax-free: Agar aapki kul service 5 saal ya usse zyada ki hai, to PF withdrawal poori tarah tax-free hai.
- 5 saal se pehle TDS: Agar service 5 saal se kam hai aur withdrawal ₹50,000 ya usse zyada hai, to TDS katega — PAN hone par 10% aur PAN na hone par 20%.
- ₹50,000 se kam par TDS nahi: Lekin yeh rakam phir bhi taxable ho sakti hai, isliye apne tax return me ise dikhana na bhoolein.
- Inoperative account: Retirement, videsh jaane ya death ke baad 36 mahine tak koi claim na ho, to account par byaaj milna band ho sakta hai. Isliye samay par claim karein.
2026 Ke Naye Niyam — Ek Nazar Me
| Badlaav | Purana Niyam | Naya Niyam (2026) |
|---|---|---|
| Wage ceiling | ₹15,000/month | ₹25,000/month (17 Sep 2026 se) |
| Partial withdrawal | 13 alag wajah | Sirf 3 category |
| Advance me kitna | Alag-alag limit | Balance ka 75% (25% minimum balance) |
| Auto-settlement limit | ₹1 lakh | ₹5 lakh (3 din me) |
| Final settlement ka intezar | 2 mahine | 12 mahine bina naukri |
| EPS withdrawal ka intezar | 2 mahine | 36 mahine |
| Cancelled cheque upload | Zaroori tha | Ab zaroori nahi |
| UAN activation | OTP se | Sirf UMANG par Aadhaar face auth se |
| Interest rate FY 2025-26 | — | 8.25% per annum |
PF Nikalte Waqt Aam Galtiyan Aur Dhokhadhadi Se Bachav
PF ka paisa kaise nikale, is process me kuch aam galtiyan hoti hain jinse bachna chahiye. PF ka paisa kaise nikale, yeh jaanna hi kaafi nahi — sahi tareeke se nikaalna bhi utna hi zaroori hai:
- KYC adhuri chhodna: Aadhaar, PAN aur bank account verify kiye bina claim karna sabse badi galti hai. Pehle KYC poori karein.
- Galat bank details: Bank account number ya IFSC galat hone par paisa atak sakta hai. Claim se pehle details dobara check karein.
- Fake agent ko paise dena: EPFO kabhi bhi phone ya WhatsApp par aapka UAN password ya OTP nahi maangta. PF nikalne ke liye kisi agent ko paise dene ki zaroorat nahi hai — poori process online aur free hai.
- Pension ka paisa jaldi nikaalna: Form 10C se pension ka paisa nikaalne se pehle soch lein — isse aapki pension ka haq khatm ho jata hai. Agar aage naukri karni hai, to Scheme Certificate behtar hai.
- UPI/ATM withdrawal abhi live nahi: Kuch khabron me UPI ya ATM se PF nikaalne ki baat aayi hai, lekin yeh suvidha abhi test phase me hai aur 2026 ke end tak aane ki ummeed hai. Abhi ke liye sirf portal, UMANG, missed call aur SMS wale official tareeke hi istemal karein.
Important Links
| Sewa | Official Link |
|---|---|
| EPFO Member Portal (login, claim) | unifiedportal-mem.epfindia.gov.in |
| EPFO Passbook (balance check) | passbook.epfindia.gov.in |
| UMANG App (EPFO services) | umang.gov.in |
| EPFO Grievance (shikayat) | epfigms.gov.in |
| EPFO Official Website | epfindia.gov.in |
| Missed Call Balance Check | 9966044425 par missed call |
| SMS Balance Check | EPFOHO UAN ENG likhkar 7738299899 par SMS |
| EPFO Helpline | 14470 (toll-free) |
PF Ka Paisa Kaise Nikale — Aksar Puche Jaane Wale Sawaal (FAQ)
Q1. PF ka paisa kaise nikale agar UAN activate nahi hai?
Aadhaar face authentication se UMANG app par UAN activate karein. 1 August 2025 se website par OTP se UAN activate karne ka tareeka band hai. UAN activate hue bina balance check ya claim nahi kar sakte.
Q2. PF ka paisa kitne din me account me aata hai?
₹5 lakh tak ke advance claims auto mode me aam taur par 3 working days me settle ho jaate hain. Bade claims ya manual review wale claims ko 20 din tak lag sakte hain. EPFO ko poora claim 20 din ke andar settle karna hota hai.
Q3. Naukri karte hue PF ka paisa kaise nikale?
PF ka paisa kaise nikale jab aap naukri me hon? 12 mahine ki membership ke baad Form 31 se advance nikaal sakte hain. Aap apne balance ka 75% tak nikaal sakte hain, 25% minimum balance account me rakhna hota hai. Bimaari, shaadi, padhai ya ghar ke liye advance milta hai.
Q4. PF ka paisa kaise dekhen bina UAN password ke?
Apne registered mobile se 9966044425 par missed call dein ya ‘EPFOHO UAN ENG’ likhkar 7738299899 par SMS bhejein. Dono tareekon se bina password ke SMS par balance mil jata hai.
Q5. PF nikaalne par kitna tax lagega?
PF ka paisa kaise nikale, is par tax ka niyam bhi yaad rakhein — 5 saal ya zyada ki service par withdrawal tax-free hai. 5 saal se kam service aur ₹50,000 ya zyada withdrawal par TDS katega — PAN par 10% aur bina PAN ke 20%.
Q6. PF ka paisa kaise nikale agar company band ho gayi hai?
PF ka paisa kaise nikale agar company band ho gayi hai? Agar company band ho gayi hai aur employer date of exit update nahi kar raha, to aap EPFO ke grievance portal epfigms.gov.in par shikayat kar sakte hain ya apne nazdeeki EPFO office me jaakar Form 19 jama kar sakte hain. EPFO helpline 14470 par bhi madad mil sakti hai.
Nishkarsh
PF ka paisa kaise nikale, yeh ab pehle se zyada aasan ho gaya hai — balance check karne ke liye passbook portal, UMANG app, missed call aur SMS jaise 5 tareeke hain, aur withdrawal ke liye poori process online hai. 2026 ke naye niyam yaad rakhein: advance ke liye 12 mahine ki membership aur 25% minimum balance, ₹5 lakh tak ke claims 3 din me auto-settle, naukri chhodne par 75% turant aur baaki 25% 12 mahine baad, aur pension wale hisse ke liye 36 mahine ka intezar. Claim karne se pehle apna UAN activate karein, KYC poori karein aur sirf official portal ya app ka istemal karein. PF aapki mehnat ki kamai hai — use samajhdaari se aur sirf zaroorat par hi nikaalein, taaki aapka retirement surakshit rahe.