Can you withdraw Rs 1 lakh from your PF account if needed? Know here!



Any person employed in India has a Provident Fund (PF) account. These accounts are managed by the government organization EPFO ​​(Employees' Provident Fund Organization). Every month 12 percent of the salary is deposited in this account. It is a future saving pension scheme.

The government also pays interest on this amount. Also, if needed, you can also withdraw money from this account. Additionally, in case of medical emergencies, you can also claim the advance. You can withdraw up to ₹1,00,000 from the PF account for this purpose. Let us understand its process.


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The claim is available only for serious medical cases

EPFO provides an advanced medical claim facility for employees undergoing serious medical treatment or medical conditions. EPFO has clarified that this facility can be availed only during serious life-threatening illnesses.

This is applicable only if the employee or his/her spouse is admitted to a government public sector CGHS panel hospital. If the patient is admitted to a private hospital, the medical claim can be processed only after verification.

Withdrawal up to ₹1,00,000

In case of a medical emergency, you can withdraw up to ₹1,00,000 from the EPFO ​​account. If you apply during working hours, the money will be credited to your account the next day. You can also transfer this amount directly to the hospital account. You must submit a medical slip within 45 days of the patient being discharged from the hospital. After that, your final bill will be settled with the advance amount.

How to apply?

To apply for an online advance claim for PF, you have to visit the official website After logging in, go to Online Services. Then, you have to fill claim forms 31, 19, 10C, and 10D. After that, you have to verify your account by entering the last four digits.

After this click on 'Proceed for Online Claim'. Then, you have to fill out PF Advance Form 31. Enter the amount and upload a copy of your check or bank passbook. Then, enter your address, click on 'Get Aadhaar OTP' and enter the OTP. After this, your claim will be made.