Simplified EPF Composite Claim Form for Withdrawal Aadhar and Non Aadhar based

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New Simplified EPF Composite Claim Form for Withdrawal

Recently Employees’ Provident Fund Organisation introduced simplified Composite Claim Form which replaces all the existing Forms like 10C, 31, 19 (UAN), 10C (UAN) and 31 (UAN) and used for all types of PF withdrawal including partial and full withdrawal with or without employer signature. This Composite Claim Form is based on Aadhar and Non Aadhar. 

Need for EPF composite form

Even though the process of EPF claim without employer become possible with the UAN based EPF claims, however still the problem is to address more than one forms on the same time. That’s why EPFO has come up with a single form with which you can withdraw money. Now the technique will encompass Aadhar number and that’s wherein things might be more quicker & simpler.

EPF new changes

Earlier, The EPFO had prescribed form 19 (UAN), 10C (UAN) & 31 (UAN) vide Order Dated. 1 Dec. 2015 for all employees whose Aadhar number and bank account details have been seeded with Universal Account Number (UAN).

Now, The EPFO has changed its earlier Order to prescribe a Composite claim form (Aadhar) to replace the existing Forms No. 19 (UAN), 10C (UAN) & 31 (UAN) in order to simplify the submission of Claim Form by subscribers. New Composite claim form also may be submitted to EPFO without attestation of the agency / employer. Subsequently, new Composite Claim Form (Non-Aadhar) has been prescribed with the aid of the EPFO to update the prevailing Form No. 19, 10C & 31 to simplify submission of PF claim form by way of subscribers. The new Composite Claim Form (Non-Aadhar), can be submitted by subscriber after attestation of employers to the EPFO.

EPF partial withdrawals

Submission of Composite PF claim forms (Aadhar based ) and (Non-Aadhar based) has been further modified to comprise self-certification by PF contributors, in place of several existing certificates requirements, like:
1) Para 68B: The “New declaration form” required to be appended with form No. 31 for housing loan/ buy of site/ house/ flat or for construction/ addition, alteration in existing residence/ repayment of housing loan shall stand discontinued. Further, the present exercise of calling for “usage certificate” shall also be allotted with. No document might be required to be submitted with the aid of the subscriber in respect of these partial withdrawals.

2) Para 68H: grant of advances in case of closure of factories: No document would be required to be presented by the subscriber along with the Composite claim forms (Aadhar)/ (Non-Aadhar).

3) Para 68K: Marriage advance & for availing advance for post-matriculation education of kids: No document, which includes marriage card, might be required to be submitted by the subscribers.

4) Para 68L: advance in abnormal circumstance: Member might also self-certify that his belongings has been broken. No report would be required to be submitted through the subscriber.

5) Para 68J & 68N: Orders in respect of certificates below these paras will be issued separately.

it may be noted that submission of the above forms, i.e. Composite claim form (Aadhar) / (Composite claim form (Non-Aadhar) duly signed by the EPF subscriber, will be considered as ‘self-certification’ for partial withdrawals on above bills, and no such document would be required to be submitted to the EPFO.

In short:

Currently, in case you want to take advance or loan from EPF, then you need to submit the ‘declaration form’ together with form 31 or form 31 (UAN). But, with the creation of EPF Composite claim form, you don’t need to submit such declaration.
No need to submit any other documents or certificate together with EPF Composite claim form for the cause of withdrawals like Housing loan, Marriage, construction of residence and education charges. Rather than this, you need to self-certify the common withdrawal form. Thus the submission of EPF composite form will be construed as ‘self-certification’ for the above said partial withdrawals.

Aadhar based and Non-Aadhar based

  • EPF Composite Claim Form (Aadhar): If your UAN has been linked with Aadhar and bank info, this form can be submitted. Employer attestation is not required and this form may be submitted to EPFO directly for EPF Advance or Partial Withdrawal or Full Withdrawal. 
  • EPF Composite Claim Form (Non-Aadhar): In case your UAN has not yet been linked with Aadhar and bank details, this form can be submitted for PF withdrawals of all types. The attestation of your Employer is needed and the form has to routed through your Employer. 

When to use EPF COMPOSITE CLAIM FORM

Now here is the list of reasons where you could use this new EPF form and enjoy withdrawal without the involvement of your employer.

1. Employees’ Pension Scheme (EPS) Pension Withdrawal.

2. Employees’ Provident Fund (EPF) Final Settlement.

3. Employees’ Provident Fund (EPF) Partial or Advance withdrawals for purposes like:

a. Marriage of self / son / daughter / brother / sister etc.

b. Medical treatment of self/family member

c. Investment in scheme like Varistha Pension Bima Yojana

d. Housing Loan, Construction of house, Purchase of site, renovation of accommodation etc.

5 key points to know about EPF Composite form

1. No revenue stamp is required to be affixed on this new form

2. No TDS will be deducted in case the total balance is less than INR 50,000.

3. TDS will be deducted if your service is less than 5 years. TDS will be deducted @ 10% if the member submits PAN and @ 34.6 is deducted in case PAN is not submitted.

4. The total service in the present employer as well as all previous employers are counted therefore it is advisable to merge all your PF accounts.

5. Pension withdrawal benefit can be availed only if your service is less than 10 years.

So it’s really beneficiary and highly recommended that the EPF members get their Aadhar and bank account details linked with their EPF account as this will remove unnecessary hurdles faced by members.

Hope you find above information useful. Do share your views/queries below as comments.

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2 Comments

  1. Shahid Shaikh says

    what if my balance is less than 50000 and my service is less than 5 year….TDS wil be imposed or not..??

    1. Mohammad Ali says

      Yes Shahid, Tax will be imposed.
      If you have provided your PAN, tax will be deducted at 10% if the taxable PF amount is more than 30,000. If PAN is not available, then tax would be deducted at maximum marginal rate.