Fill the EPF Composite Claim Form (Aadhaar) — Free, No Employer Attestation

The Composite Claim Form (Aadhaar) is a single one-page EPFO claim form, introduced in February 2017, that replaces three older forms at once: Form 19 (final Provident Fund settlement), Form 10C (pension withdrawal benefit under EPS 1995) and Form 31 (partial withdrawal / PF advance). If your UAN is activated and your Aadhaar number and bank account are seeded and verified against the UAN, you fill this one form, tick the benefit you are claiming, and submit it directly to your jurisdictional EPFO office — no employer signature or attestation is required. That direct-to-EPFO route is the form's whole advantage: employees of closed, uncooperative or delayed employers can claim their own money without chasing HR.

EPFO publishes two variants. The Composite Claim Form (Aadhaar) is for members whose UAN is activated, whose Aadhaar is seeded and verified against the UAN, and whose bank account is KYC-verified — it goes straight to the EPFO office with no employer involvement. The Composite Claim Form (Non-Aadhaar) is for members who have not linked Aadhaar to their UAN, or have no UAN at all: it collects the same claims but every submission must be attested by the employer, or where the establishment is closed, by an authorised gazetted officer, magistrate or bank manager. If you can complete Aadhaar seeding first, do it — the Aadhaar variant is strictly less paperwork.

No. That is the defining feature of the Aadhaar variant. Because your identity is already established through the Aadhaar-verified UAN and your bank account is KYC-verified, EPFO accepts the form on your self-attestation alone — you sign it yourself and submit it directly to the regional or sub-regional EPFO office that maintains your account. The employer plays no role: no counter-signature, no covering letter, no attestation stamp. Only if you must use the Non-Aadhaar variant does employer attestation come back into the picture.

For offline (paper) claims filed after February 2017, the Composite Claim Form has replaced Forms 19, 10C and 31 — EPFO offices process the composite form for all three benefits, so there is no reason to hunt down the individual legacy forms for a paper claim. The individual form numbers survive mainly as names of the corresponding online claims on the EPFO Member e-Sewa portal, and in older guidance. Practical rule: filing on paper, use this Composite Claim Form; filing online, log into the unified member portal and pick the matching claim type there.

For a full and final Provident Fund settlement, tick the 'Final PF Settlement' option at the top of the form, then complete your name as per Aadhaar, UAN, Aadhaar number, date of joining and leaving the establishment, reason for leaving, full postal address and bank account details matching the KYC-seeded account. Attach one cancelled cheque bearing your printed name and IFSC, sign the self-declaration and submit. Remember the two-month rule: except for female members leaving to marry, retirement or permanent migration, final settlement is normally payable only after two months of unemployment following exit.

Tick 'Pension Withdrawal Benefit' on the Composite Claim Form. This claims the withdrawal benefit under the Employees' Pension Scheme 1995 and applies when your total pensionable service is less than 10 years. With 10 or more years of service you can no longer withdraw the EPS balance — you instead receive a scheme certificate and, from age 50 or 58, a monthly pension claimed via Form 10D. The EPS withdrawal benefit is computed from Table D of the scheme — a multiple of your last drawn wage capped at the ₹15,000 pensionable-salary ceiling — so the paid amount often differs from the EPS column shown online.

Tick 'PF Part Withdrawal' and indicate the purpose. Recognised purposes include housing (after 5 years of membership), repayment of a housing loan, medical treatment (no minimum service), marriage of self, children or siblings (after 7 years), post-matriculation education of children (after 7 years), one year before retirement, and unemployment or establishment closure. A key simplification of the 2017 composite regime: no supporting documents are required for most advances — your self-certification on the form replaces them. Monetary ceilings still apply per purpose.

You sign the form yourself — once in the signature box, or thumb impression which then needs attestation — and that self-attestation replaces both employer attestation and the stack of supporting documents the old forms demanded. The one attachment that is always required is a cancelled cheque of the KYC-seeded bank account showing your name, account number and IFSC printed on it; if your cheque is not personalised, submit a bank-attested copy of your passbook's first page instead. Make sure the name you write matches your Aadhaar exactly — name mismatches are the single most common rejection reason.

Submit it directly to the Regional or Sub-Regional EPFO office that holds your PF account — in person or by post. Your jurisdictional office is identified by the office code at the start of your PF account number and can be looked up through the office-locator on epfindia.gov.in. You do not route the form through your employer. Keep a photocopy and, if submitting in person, ask for an acknowledgement receipt with the claim inward number — it is what you quote when tracking claim status or escalating via EPFiGMS if the claim stalls.

Yes, and for most members the online route is faster. If your UAN is activated, Aadhaar-seeded and linked to a verified bank account and mobile number, log in to the EPFO Member e-Sewa portal, open Online Services, Claim (Form-31, 19 & 10C), verify your bank account, and file with Aadhaar OTP authentication — no paper, no visit. The paper Composite Claim Form (Aadhaar) remains essential when the online route fails: KYC mismatches, date-of-exit errors, joint bank accounts the portal rejects, or members who cannot complete OTP verification. Both routes end at the same EPFO office.

TDS under section 192A applies only when your total service is less than 5 years and the taxable withdrawal exceeds ₹50,000. In that case EPFO deducts 10% if your PAN is linked to the UAN, and at the maximum marginal rate if it is not. No TDS is deducted when service is 5 years or more, when the amount is ₹50,000 or below, when the balance was transferred between jobs rather than withdrawn, or when you submit Form 15G (or 15H for senior citizens) declaring total income below the taxable limit. Attach Form 15G/15H in duplicate if eligible.

The EPF Scheme obliges EPFO to settle claims within 20 days of receipt — beyond that you are entitled to raise a grievance, and officers can face interest liability for unjustified delay. In practice, clean Aadhaar-variant claims are often settled well inside that window because there is no employer verification step, and equivalent online claims frequently pay out in 3-10 days. Delays almost always trace back to data mismatches: name spelling differences, an unverified bank account, a missing date of exit, or an unsigned form. Track status on the member portal and escalate via EPFiGMS if 20 days pass.

Yes. The Composite Claim Form in Death Cases is a distinct EPFO form, also introduced in February 2017, that merges the three death-benefit claims: Form 20 (PF settlement to the nominee or heir), Form 10D (monthly EPS pension for the family) and Form 5(IF) (EDLI insurance benefit, maximum ₹7 lakh). It is filed by the nominee, family member or legal heir — not the member — and must be attested by the employer, or by a gazetted officer, magistrate or bank manager if the establishment is closed. The Composite Claim Form (Aadhaar) on this page is only for claims by a living member; for a death case, download the CCF (Death Cases) PDF from epfindia.gov.in instead.

The official source is epfindia.gov.in — under Downloads, EPFO hosts the Composite Claim Form (Aadhaar) and the Non-Aadhaar variant as flat PDFs (revision February 2017, one page covering all 3 claim types that replaced Forms 19, 10C and 31). The official file is not fillable, which is the catch: you would normally print it and handwrite. PDF Edit opens the same official Composite Claim Form (Aadhaar) layout in your browser so you can type every field — UAN, 12-digit Aadhaar, bank account and IFSC — then download the completed PDF free, with no account and no upload; your data never leaves your device.