{"id":8941,"date":"2025-04-18T18:21:22","date_gmt":"2025-04-18T18:21:22","guid":{"rendered":"https:\/\/www.caindelhiindia.com\/blog\/?p=8941"},"modified":"2026-07-19T17:01:45","modified_gmt":"2026-07-19T17:01:45","slug":"all-about-vpf-voluntary-provident-fund","status":"publish","type":"post","link":"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/","title":{"rendered":"All about VPF (Voluntary Provident Fund)"},"content":{"rendered":"<h2 data-start=\"150\" data-end=\"216\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-8940\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/03\/VPF-.jpg\" alt=\"VPF\" width=\"1028\" height=\"1494\" srcset=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/03\/VPF-.jpg 335w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/03\/VPF--206x300.jpg 206w\" sizes=\"(max-width: 1028px) 100vw, 1028px\" \/><\/h2>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a79d8af4a65b\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a79d8af4a65b\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Lesser-Known_Facts_About_VPF_Voluntary_Provident_Fund\" title=\"Lesser-Known Facts About VPF (Voluntary Provident Fund)\">Lesser-Known Facts About VPF (Voluntary Provident Fund)<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Key_Features_of_VPF\" title=\"Key Features of VPF:\u00a0\">Key Features of VPF:\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Voluntary_Provident_Fund_%E2%80%93_Rules_Regulations\" title=\"Voluntary Provident Fund \u2013 Rules &amp; Regulations\">Voluntary Provident Fund \u2013 Rules &amp; Regulations<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#What_is_the_difference_between_voluntary_provident_fund_EPF\" title=\"What is the difference between\u00a0 voluntary provident fund &amp; EPF?\">What is the difference between\u00a0 voluntary provident fund &amp; EPF?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#EPFO_Applicability_under_the_Code_on_Social_Security_2020%E2%80%94Explained_Clearly\" title=\"EPFO Applicability under the Code on Social Security, 2020\u2014Explained Clearly\">EPFO Applicability under the Code on Social Security, 2020\u2014Explained Clearly<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Provident_Fund%E2%80%94Key_Concept_Under_the_New_Code\" title=\"Provident Fund\u2014Key Concept Under the New Code\">Provident Fund\u2014Key Concept Under the New Code<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#%F0%9D%90%8F%F0%9D%90%85_%F0%9D%90%96%F0%9D%90%A2%F0%9D%90%AD%F0%9D%90%A1%F0%9D%90%9D%F0%9D%90%AB%F0%9D%90%9A%F0%9D%90%B0%F0%9D%90%9A%F0%9D%90%A5_%F0%9D%90%92%F0%9D%90%AD%F0%9D%90%9E%F0%9D%90%A9_%E2%80%93_%F0%9D%90%9B%F0%9D%90%B2_%E2%80%93_%F0%9D%90%92%F0%9D%90%AD%F0%9D%90%9E%F0%9D%90%A9_%F0%9D%90%86%F0%9D%90%AE%F0%9D%90%A2%F0%9D%90%9D%F0%9D%90%9E\" title=\"\ud835\udc0f\ud835\udc05 \ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25 \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 &#8211; \ud835\udc1b\ud835\udc32 &#8211; \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 \ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e\">\ud835\udc0f\ud835\udc05 \ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25 \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 &#8211; \ud835\udc1b\ud835\udc32 &#8211; \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 \ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Provident_Fund_Withdrawal_Step-by-Step_Guide_EPFO_Online_Claim_Process\" title=\"Provident Fund Withdrawal Step-by-Step Guide (EPFO Online Claim Process)\">Provident Fund Withdrawal Step-by-Step Guide (EPFO Online Claim Process)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Step-by-Step_Process_for_Provident_Fund_Withdrawal\" title=\"Step-by-Step Process for Provident Fund Withdrawal\">Step-by-Step Process for Provident Fund Withdrawal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Important_Provident_Fund_Withdrawal_Rules\" title=\"Important Provident Fund Withdrawal Rules\">Important Provident Fund Withdrawal Rules<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.caindelhiindia.com\/blog\/all-about-vpf-voluntary-provident-fund\/#Before_Applying_for_Provident_Fund_Withdrawal\" title=\"Before Applying for Provident Fund Withdrawal\">Before Applying for Provident Fund Withdrawal<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-start=\"150\" data-end=\"216\"><span class=\"ez-toc-section\" id=\"Lesser-Known_Facts_About_VPF_Voluntary_Provident_Fund\"><\/span><span style=\"color: #000080;\"><strong data-start=\"157\" data-end=\"216\">Lesser-Known Facts About VPF (Voluntary Provident Fund)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 class=\"\" data-start=\"332\" data-end=\"362\"><span class=\"ez-toc-section\" id=\"Key_Features_of_VPF\"><\/span><span style=\"color: #000080;\"><strong data-start=\"339\" data-end=\"362\">Key Features of VPF:\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li data-start=\"218\" data-end=\"272\">Extension of EPF, Not a Separate Scheme : A voluntary provident fund is not a separate fund \u2014 it is an extension of the Employee Provident Fund. Only salaried employees contributing to EPF can opt for Voluntary Provident Fund. Contributing to a VPF account is not mandatory; it&#8217;s entirely at the discretion of the employee. Unlike Employee Provident Fund, employees can contribute up to 100% of their Basic Salary + Dearness Allowance to the voluntary provident fund account.<\/li>\n<li class=\"\" data-start=\"653\" data-end=\"862\">\n<p class=\"\" data-start=\"656\" data-end=\"862\">Government-Declared Interest Rate: The Government of India revises the voluntary provident fund interest rate at the beginning of each financial year. It may increase or decrease based on macroeconomic factors.<\/p>\n<\/li>\n<li class=\"\" data-start=\"1025\" data-end=\"1190\">\n<p class=\"\" data-start=\"1028\" data-end=\"1190\">Transferable Between Employers: voluntary provident fund balances can be transferred from a previous employer to the current employer, ensuring continuity of the account.<\/p>\n<\/li>\n<li data-start=\"1232\" data-end=\"1286\">Full Withdrawal at Maturity: The total accumulated amount (contributions + interest) can be withdrawn at the time of resignation or retirement.<\/li>\n<li class=\"\" data-start=\"1025\" data-end=\"1190\">No Automatic Enrollment :\u00a0 You must request in writing to your employer to start VPF.\u00a0It can typically only be modified at the start of a financial year, depending on company policy.<\/li>\n<li class=\"\" data-start=\"1192\" data-end=\"1345\">\n<p class=\"\" data-start=\"1195\" data-end=\"1345\">Nominee Benefits: In the unfortunate event of the account holder\u2019s demise, the nominee\/legal heir receives the entire accumulated corpus.<\/p>\n<\/li>\n<li data-start=\"429\" data-end=\"469\">Visible in EPFO Passbook: Voluntary provident fund contributions and interest appear in your regular EPF passbook, making tracking easy.<\/li>\n<li class=\"\" data-start=\"1025\" data-end=\"1190\">\ud83c\uddee\ud83c\uddf3 Safe &amp; Government-Backed: Since Employee Provident Fund\/voluntary provident fund is managed by the EPFO under the Ministry of Labour, it is considered one of the safest investment options.<\/li>\n<li>Can Be Stopped or Changed (But Limited Window): Once\u00a0opted in, you may not be able to alter the voluntary provident fund contribution mid-year, unless the employer\u2019s policy allows it. Some companies lock the contribution amount for the year.<\/li>\n<\/ul>\n<h2 class=\"\" data-start=\"269\" data-end=\"330\"><span class=\"ez-toc-section\" id=\"Voluntary_Provident_Fund_%E2%80%93_Rules_Regulations\"><\/span><span style=\"color: #000080;\"><strong data-start=\"274\" data-end=\"330\">Voluntary Provident Fund \u2013 Rules &amp; Regulations<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li data-start=\"1347\" data-end=\"1576\">Tax Benefits (EEE Regime): voluntary provident fund enjoys Exempt-Exempt-Exempt tax treatment: Contribution: Deductible under Section 80C (within INR 1.5 lakh limit). Interest: Tax-free (up to a limit, see below). Maturity: Fully tax-free if criteria are met.<\/li>\n<li data-start=\"1232\" data-end=\"1286\">Tax on Interest for High-Income Earners: From FY 2021\u201322 onwards, if your annual employee contribution to EPF + voluntary provident fund exceeds INR 2.5 lakh, interest earned on the excess is taxable.\u00a0 If there is no employer contribution (e.g., government employees with GPF), the threshold is INR 5 lakh.<\/li>\n<li>Account Opening Window: voluntary provident fund accounts can be opened anytime during the financial year.<\/li>\n<li class=\"\" data-start=\"1025\" data-end=\"1190\">Lock-in Period and Withdrawal Rules : Partial withdrawals are allowed in the form of loans. Premature withdrawal may attract tax liability on the interest earne,\u00a0 voluntary provident fund has a 5-year lock-in for tax-free withdrawal. Premature withdrawals are allowed for\u00a0 Marriage Medical emergencies House purchase\/construction Higher education, however, tax benefits may be reversed if withdrawn before 5 years. Once opted in, contributions to the voluntary provident fund account cannot be discontinued for 5 years (to retain tax-free status).<\/li>\n<li data-start=\"429\" data-end=\"469\">Interest Rate Same as Employee Provident Fund : voluntary provident fund earns the same interest rate as Employee Provident Fund, which is decided by the EPFO every year (8.15% for FY 2023\u201324). Returns are compounded annually, making it more attractive for long-term, risk-averse investors.<\/li>\n<li class=\"\" data-start=\"1347\" data-end=\"1576\">\n<p class=\"\" data-start=\"1350\" data-end=\"1375\">You can contribute up to 100% of Basic + DA : Only salaried employees covered under the Employees&#8217; Provident Fund Organisation (EPFO) are eligible. Individuals in the unorganised sector are not allowed to open a VPF account. You can contribute up to 100% of your basic salary and Dearness Allowance voluntarily (beyond the mandatory 12%). However, your employer is not obligated to match the extra contribution.<\/p>\n<\/li>\n<\/ul>\n<h3 class=\"\" data-start=\"806\" data-end=\"863\"><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_voluntary_provident_fund_EPF\"><\/span><span style=\"color: #000080;\"><strong data-start=\"816\" data-end=\"863\">What is the difference between\u00a0 voluntary provident fund &amp; EPF?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"group pointer-events-none relative flex justify-center *:pointer-events-auto\">\n<div class=\"tableContainer horzScrollShadows relative\">\n<table class=\"min-w-full\" style=\"height: 207px;\" width=\"949\" data-start=\"864\" data-end=\"1457\">\n<thead data-start=\"864\" data-end=\"961\">\n<tr data-start=\"864\" data-end=\"961\">\n<th data-start=\"864\" data-end=\"889\">Feature<\/th>\n<th data-start=\"889\" data-end=\"923\">Employee Provident Fund<\/th>\n<th data-start=\"923\" data-end=\"961\">voluntary provident fund<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"1062\" data-end=\"1457\">\n<tr data-start=\"1062\" data-end=\"1160\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1062\" data-end=\"1087\">Contribution<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1087\" data-end=\"1121\">Mandatory 12% of Basic + DA<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1121\" data-end=\"1160\">Voluntary, up to 100% of Basic + DA<\/td>\n<\/tr>\n<tr data-start=\"1161\" data-end=\"1259\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1161\" data-end=\"1186\">Employer Contribution<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1186\" data-end=\"1220\">Mandatory<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1220\" data-end=\"1259\">Not applicable<\/td>\n<\/tr>\n<tr data-start=\"1260\" data-end=\"1358\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1260\" data-end=\"1285\">Flexibility<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1285\" data-end=\"1319\">Fixed statutory contribution<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1319\" data-end=\"1358\">Completely flexible (voluntary)<\/td>\n<\/tr>\n<tr data-start=\"1359\" data-end=\"1457\">\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1359\" data-end=\"1384\">Tax Benefits<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1384\" data-end=\"1418\">Under Section 80C (EEE status)<\/td>\n<td class=\"max-w-[calc(var(--thread-content-max-width)*2\/3)]\" data-start=\"1418\" data-end=\"1457\">Under Section 80C (EEE status)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h2 data-start=\"216\" data-end=\"301\"><span class=\"ez-toc-section\" id=\"EPFO_Applicability_under_the_Code_on_Social_Security_2020%E2%80%94Explained_Clearly\"><\/span><span style=\"color: #000080;\"><strong data-start=\"219\" data-end=\"301\">EPFO Applicability under the Code on Social Security, 2020\u2014Explained Clearly<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-9904\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF.jpeg\" alt=\"PF (Provident Fund)\" width=\"1248\" height=\"2236\" srcset=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF.jpeg 893w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF-167x300.jpeg 167w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF-572x1024.jpeg 572w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF-768x1376.jpeg 768w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF-857x1536.jpeg 857w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/PF-800x1433.jpeg 800w\" sizes=\"(max-width: 1248px) 100vw, 1248px\" \/><\/p>\n<p data-start=\"647\" data-end=\"708\"><span style=\"color: #000080;\">Provident Fund<\/span>\u00a0compliance is not optional\u2014it\u2019s foundational. For HR and Payroll professionals, a correct understanding of wages, ceilings, and attendance-based calculations is critical to avoid errors, disputes, and penalties.\u00a0Below is a simple breakdown based on the new wage definition under the Code on Social Security, 2020<\/p>\n<h3 data-start=\"647\" data-end=\"708\"><span class=\"ez-toc-section\" id=\"Provident_Fund%E2%80%94Key_Concept_Under_the_New_Code\"><\/span><span style=\"color: #000080;\"><strong data-start=\"652\" data-end=\"708\">Provident Fund\u2014Key Concept Under the New Code<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"710\" data-end=\"866\">Rule: At least 50% of total remuneration must be treated as \u201cwages.\u201d Any allowance exceeding this limit is added back for <span style=\"color: #000080;\">Provident Fund<\/span>calculation. Allowance-heavy salary structures will increase\u00a0<span style=\"color: #000080;\">Provident Fund <\/span>liability. <span style=\"color: #000080;\">Provident Fund <\/span>contribution depends on earned wages, not just salary structure. Attendance directly impacts PF when wages fall below the ceiling. Accurate structuring today avoids future EPFO litigation. EPFO compliances require timely filing, accurate employee records, and adherence to due dates to avoid penalties.<\/p>\n<h2 data-start=\"710\" data-end=\"866\"><span class=\"ez-toc-section\" id=\"%F0%9D%90%8F%F0%9D%90%85_%F0%9D%90%96%F0%9D%90%A2%F0%9D%90%AD%F0%9D%90%A1%F0%9D%90%9D%F0%9D%90%AB%F0%9D%90%9A%F0%9D%90%B0%F0%9D%90%9A%F0%9D%90%A5_%F0%9D%90%92%F0%9D%90%AD%F0%9D%90%9E%F0%9D%90%A9_%E2%80%93_%F0%9D%90%9B%F0%9D%90%B2_%E2%80%93_%F0%9D%90%92%F0%9D%90%AD%F0%9D%90%9E%F0%9D%90%A9_%F0%9D%90%86%F0%9D%90%AE%F0%9D%90%A2%F0%9D%90%9D%F0%9D%90%9E\"><\/span><span style=\"color: #000080;\">\ud835\udc0f\ud835\udc05 \ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25 \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 &#8211; \ud835\udc1b\ud835\udc32 &#8211; \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 \ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-10618\" src=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e.jpg\" alt=\"\ud835\udc0f\ud835\udc05 \ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25 \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 - \ud835\udc1b\ud835\udc32 - \ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29 \ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e\" width=\"1254\" height=\"1254\" srcset=\"https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e.jpg 1254w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e-300x300.jpg 300w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e-1024x1024.jpg 1024w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e-150x150.jpg 150w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e-768x768.jpg 768w, https:\/\/www.caindelhiindia.com\/blog\/wp-content\/uploads\/2025\/04\/\ud835\udc0f\ud835\udc05-\ud835\udc16\ud835\udc22\ud835\udc2d\ud835\udc21\ud835\udc1d\ud835\udc2b\ud835\udc1a\ud835\udc30\ud835\udc1a\ud835\udc25-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc1b\ud835\udc32-\ud835\udc12\ud835\udc2d\ud835\udc1e\ud835\udc29-\ud835\udc06\ud835\udc2e\ud835\udc22\ud835\udc1d\ud835\udc1e-800x800.jpg 800w\" sizes=\"(max-width: 1254px) 100vw, 1254px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Provident_Fund_Withdrawal_Step-by-Step_Guide_EPFO_Online_Claim_Process\"><\/span><span style=\"color: #000080;\">Provident Fund Withdrawal Step-by-Step Guide (EPFO Online Claim Process)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div>\n<p>Employees can easily withdraw their Provident Fund\u00a0 online through the EPFO Unified Member Portal if their UAN, Aadhaar, PAN, and bank details are verified.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Step-by-Step_Process_for_Provident_Fund_Withdrawal\"><\/span><span style=\"color: #000080;\">Step-by-Step Process for Provident Fund Withdrawal<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Step-1: Visit the EPFO Portal: Go to the EPFO Unified Member Portal: https:\/\/unifiedportal-mem.epfindia.gov.in\/memberinterface<\/p>\n<p>Step-2: Login : Log in using your <span style=\"font-size: 16px;\">UAN (Universal Account Number), <\/span><span style=\"font-size: 16px;\">password, and CAPTCHA code.<\/span><\/p>\n<p>Step-3: Click on &#8220;Online Services&#8221;: From the top menu, select Online Services \u2192 Claim (Form 31, 19 &amp; 10C)<\/p>\n<p>Step-4: Verify Bank Account : <span style=\"font-size: 16px;\">Enter the last 4 digits of your bank account number. and <\/span><span style=\"font-size: 16px;\">click <\/span>Verify<span style=\"font-size: 16px;\">.<\/span><\/p>\n<p>Step-5: Proceed for Online Claim: After successful verification, click: Proceed for Online Claim<\/p>\n<p>Step-6: Select Claim Type: Choose the appropriate withdrawal form: Form 19 : Used for Full <span style=\"color: #000080;\">Provident Fund<\/span>\u00a0withdrawal &amp; After leaving employment and remaining unemployed for at least 2 months<\/p>\n<ul>\n<li>Form 10C : Used for pension withdrawal benefit under EPS<\/li>\n<li>PF Form 31 : Used for: Partial <span style=\"color: #000080;\">Provident Fund<\/span>\u00a0withdrawal (advance)<\/li>\n<\/ul>\n<p>Step-7: Fill Required Details: Provide the purpose of withdrawal, Address (if required), Amount (for partial withdrawals) and Other requested information<\/p>\n<p>Step-8: Aadhaar Authentication: Click &#8220;Get Aadhaar OTP,&#8221; &amp; an OTP will be sent to the mobile number linked with Aadhaar.<\/p>\n<p>Step-9: Submit Claim: <span style=\"font-size: 16px;\">Enter OTP and <\/span><span style=\"font-size: 16px;\">Click <\/span>Submit<\/p>\n<p>The claim will be successfully lodged with EPFO. Processing Time: Usually 7 to 15 working days, and the amount is generally credited directly to the linked bank account<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Important_Provident_Fund_Withdrawal_Rules\"><\/span><span style=\"color: #000080;\">Important Provident Fund Withdrawal Rules<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><span style=\"color: #000000;\">Full Withdrawal: Full Provident Fund\u00a0withdrawal is generally permitted when Employment has ceased and The member remains unemployed for at least 2 months<\/span><\/li>\n<li><span style=\"color: #000000;\">Partial Withdrawal (Form 31): Provident Fund\u00a0advance can be claimed for approved purposes such as Medical treatment, Marriage, Higher education, House purchase, house construction, and Home loan repayment (subject to conditions)<\/span><\/li>\n<li><span style=\"color: #000000;\">Common Reasons for PF Claim Rejection: Avoid the following mistakes: Aadhaar not linked with UAN, Bank account details mismatch, PAN not verified (especially for larger withdrawals), Incorrect or incomplete information, Wrong form selected and KYC not approved by employer or EPFO<\/span><\/li>\n<li><span style=\"color: #000000;\">PF Forms and Their Purpose<\/span><\/li>\n<\/ul>\n<div class=\"___1dmoc29 f10pi13n ftgm304 f1enuhaj fdclmfp f1nbblvp fat0sn4 f1ov4xf1 fekwl8i f1lmfglv f1oz7aqm f1abmfm4 f1w619qj f16h0jq8\">\n<table class=\"___1vyiefv f1ddd56o f16vktn6 f1ahpp82 f11qra4b f1uinfot fibjyge fvueend f9yszdx f1fu4s3n f3l3pb3 f10ghnd0 f8fmt76 fjvbh62 f1qrqxae f1vw5qpk fc02sbz fxawf59 fymf513 f1aoyrul f1el8yx3 f1pymoxg f1ofu761 fe6itr f7coize f1794535 f1o0pw0q fbjjl9v fk1v6el f16pyhcb f1ixlhx9 f12zef0i flu5r5u f19haqzy f1owmcxx f1oddm8q f1004tna fcoaxci fh0ee9u f15v23i2 f1dmj53 f1r1gcv9 f14z1veh ffufd3x f1ypplot f1660cg\" style=\"height: 136px;\" width=\"785\">\n<tbody>\n<tr>\n<th>Form<\/th>\n<th>Purpose<\/th>\n<\/tr>\n<tr>\n<td>Form 19<\/td>\n<td>Full <span style=\"color: #000080;\">Provident Fund <\/span>Withdrawal<\/td>\n<\/tr>\n<tr>\n<td>Form 10C<\/td>\n<td>Pension Withdrawal Benefit<\/td>\n<\/tr>\n<tr>\n<td>Form 31<\/td>\n<td>Partial <span style=\"color: #000080;\">Provident Fund<\/span>\u00a0Withdrawal \/ <span style=\"color: #000080;\">Provident Fund <\/span>Advance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<h3><span class=\"ez-toc-section\" id=\"Before_Applying_for_Provident_Fund_Withdrawal\"><\/span><span style=\"color: #000080;\">Before Applying for Provident Fund Withdrawal<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Ensure that UAN is activated, Aadhaar is linked and verified, PAN is linked and verified, the bank account is seeded with UAN, the mobile number linked with Aadhaar is active and KYC status shows &#8220;Verified&#8221;. PF withdrawal has become largely paperless through the EPFO portal. Before submitting an online claim, ensure that your Aadhaar, PAN, bank account, and UAN details are correctly linked and verified to avoid delays or rejection of the claim.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Lesser-Known Facts About VPF (Voluntary Provident Fund) Key Features of VPF:\u00a0 Extension of EPF, Not a Separate Scheme : A voluntary provident fund is not a separate fund \u2014 it is an extension of the Employee Provident Fund. Only salaried employees contributing to EPF can opt for Voluntary Provident Fund. Contributing to a VPF account &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[642],"tags":[1167],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/8941"}],"collection":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/comments?post=8941"}],"version-history":[{"count":5,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/8941\/revisions"}],"predecessor-version":[{"id":10619,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/posts\/8941\/revisions\/10619"}],"wp:attachment":[{"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/media?parent=8941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/categories?post=8941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.caindelhiindia.com\/blog\/wp-json\/wp\/v2\/tags?post=8941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}