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How to Withdraw EPFO Advance Online (Form 31): Complete Process in Hindi
EPFO Form 31 Se Advance PF Kaise Nikalein (Step-by-Step Guide 2025)
Apne PF Ka Paisa, Apne Bank Account Mein, Bina Kisi Ki Madad Ke!
✍️ By Daily Review Dhamaka | 📅 Updated on
Is Ultimate PF Guide Mein Kya Hai?
- Introduction: Aapka Paisa, Aapka Haq!
- Advance PF (Form 31) Aakhir Hai Kya?
- Shuru Karne Se Pehle: 4 Zaroori Taiyariyan
- Advance PF Nikalne Ka Step-by-Step Process (With Pictures)
- Kin-Kin Kaaranon Se Paisa Nikal Sakte Hain? (Important Table)
- Final Verdict: Ab Cyber Cafe Ko 'Bye-Bye' Kahein!
- Aapke Sawaal, Hamare Jawaab (FAQs)
Introduction: Aapka Paisa, Aapka Haq!
Bhai log, hum sab har mahine apni salary se ek hissa Provident Fund (PF) mein jama karte hain. Yeh hamare future ke liye ek saving hai. Lekin, zindagi mein kai baar achanak aisi zarooratein aa jaati hain jab humein paiso ki sakht zaroorat padti hai - bachchon ki shaadi, ghar banana, medical emergency, ya padhai ka kharcha.
Aise mein, aapko kisi se udhaar maangne ki zaroorat nahi hai. Aap apni hi mehnat ki kamai, yaani apne PF ka ek hissa, **job chhodhe bina** bhi nikaal sakte hain. Isi ko **Advance PF Withdrawal** kehte hain aur iske liye **Form 31** bhara jaata hai. Pehle yeh kaam bohot jhanjhat wala tha, lekin ab 2025 mein, yeh poora process online ho gaya hai aur aap apne ghar baithe, apne mobile ya laptop se 15 minute mein yeh kaam kar sakte hain. Chaliye, iska poora process aasan bhasha mein samajhte hain.
Advance PF (Form 31) Aakhir Hai Kya?
EPFO (Employees' Provident Fund Organisation) aapko yeh suvidha deta hai ki aap kuch khaas zarooraton ke liye, apni naukri jaari rakhte hue, apne PF account se ek hissa advance ke roop mein nikaal sakte hain. Yeh ek loan nahi hai, isliye aapko yeh paisa wapas nahi karna hota. Is online process ke liye jo form bhara jaata hai, use **Form 31** kehte hain.
✅ Shuru Karne Se Pehle: 4 Zaroori Taiyariyan
Isse pehle ki aap login karein, yeh 4 cheezein check kar lein, varna aapka claim reject ho sakta hai:
- UAN Active Hona Chahiye: Aapka Universal Account Number (UAN) activate hona zaroori hai.
- Aadhaar Verified & Linked: Aapka Aadhaar, UAN se verified aur link hona chahiye. Sabse important, aapka **mobile number Aadhaar se link hona zaroori hai**, kyunki usi par OTP aayega.
- Bank KYC Updated: Aapka bank account (jo aapke naam par ho) UAN se link (KYC) hona chahiye aur IFSC code sahi hona chahiye.
- Scanned Cheque/Passbook: Aapko apne ussi bank account ke **cancelled cheque** ya **passbook ke pehle page** ki ek scanned copy (JPG/JPEG, size 100KB se 500KB ke beech) taiyaar rakhni hai. Cheque par aapka naam print hona zaroori hai.
Advance PF Nikalne Ka Step-by-Step Process
Chaliye, ab aate hain asli process par. In steps ko dhyaan se follow karein.
Step 1: EPFO Portal Par Login Karein
Sabse pehle, EPFO Member e-SEWA portal par jaayein: unifiedportal-mem.epfindia.gov.in. Apna UAN, Password, aur Captcha daal kar login karein.
Step 2: 'Online Services' Tab Par Jaayein
Upar menu mein se **'Online Services'** par click karein aur dropdown mein se **'Claim (Form-31, 19, 10C & 10D)'** ko select karein.
Step 3: Bank Account Verify Karein
Agle page par, aapko apna UAN se link kiya hua bank account number daalne ke liye kaha jaayega. Apna account number daalein aur **'Verify'** par click karein. Ek pop-up aayega, usmein 'Yes' par click karein.
Step 4: 'Proceed For Online Claim' Par Click Karein
Bank account verify hone ke baad, neeche **'Proceed For Online Claim'** button par click karein.
Step 5: Form 31 Chunein
Ab aap claim page par pahunch jaayenge. Yahan "I want to apply for" ke dropdown mein se **'PF ADVANCE (FORM-31)'** ko select karein.
Step 6: Zaroori Details Bharein (Sabse Important Step)
- Purpose for which advance is required: Is dropdown mein se woh kaaran chunein jiske liye aap paisa nikaal rahe hain (e.g., Marriage, Construction of House, Medical Emergency).
- Amount of Advance Required (in ₹): Aapko kitna paisa chahiye, woh amount yahan likhein.
- Employee Address: Apna poora address daalein.
- Upload Scanned Copy: Yahan par apne cancelled cheque ya passbook ki scanned copy (JPG/JPEG, 100KB-500KB) upload karein.
🔴 Dhyaan Dein!
Aap kitna paisa nikaal sakte hain, yeh aapke chune gaye kaaran (purpose) aur aapke PF balance par depend karta hai. Galat kaaran chunne par claim reject ho sakta hai.
Step 7: Aadhaar OTP Se Verify Karein
Saari details bharne ke baad, neeche bane checkbox ko tick karein aur **'Get Aadhaar OTP'** par click karein. Aapke Aadhaar se link mobile number par ek OTP aayega. Us OTP ko daalein aur **'Validate OTP and Submit Claim Form'** par click karein.
Badhai ho! Aapka Advance PF claim successfully submit ho gaya hai. Aap 'Online Services > Track Claim Status' par jaakar apne claim ka status check kar sakte hain.
Kin-Kin Kaaranon Se Paisa Nikal Sakte Hain? (Important Table)
| Kaaran (Purpose) | Eligibility | Kitna Nikal Sakte Hain? |
|---|---|---|
| Marriage (Shaadi) | 7 saal ki service. | Employee share ka 50% byaaj ke saath. |
| Education (Padhai) | 7 saal ki service. | Employee share ka 50% byaaj ke saath. |
| Construction of House | 5 saal ki service. | Alag-alag conditions. |
| Medical Emergency | Koi service limit nahi. | 6 mahine ki basic salary + DA ya employee share. |
Final Verdict: Ab Cyber Cafe Ko 'Bye-Bye' Kahein!
Toh dosto, advance PF nikalna ab koi rocket science nahi hai. Upar diye gaye steps ko follow karke, aap aaram se apna paisa 7-15 working days ke andar apne bank account mein paa sakte hain. Ab aapko is chote se kaam ke liye kisi cyber cafe ya agent ko extra paise dene ki zaroorat nahi.
Apna UAN portal hamesha updated rakhein, aur zaroorat padne par is guide ka istemaal karke apne haq ka paisa aasaani se nikalein.
Aapke Sawaal, Hamare Jawaab (FAQs)
Aam taur par, online claim process hone mein **7 se 15 working days** ka samay lagta hai.
Claim reject hone ke kaaran 'Track Claim Status' mein dekh sakte hain, uss galti ko theek karke aap dobara apply kar sakte hain.
Yeh aapke kaaran par depend karta hai. Kuch kaaran (jaise Medical Emergency) ke liye aap kai baar nikaal sakte hain, jabki kuch (jaise Shaadi) ke liye seemit baar hi nikaal sakte hain.
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