PF withdrawal — KYC documents (bank proof, cancelled cheque, PAN, Aadhaar)

Bank account — not a post office account

The EPF is credited to a bank account with an IFSC, seeded and verified against your UAN. A post office savings account generally can't be used for the online claim because it doesn't carry a bank IFSC — use a bank account.

Cancelled cheque — should it be blank?

No. The cancelled cheque must clearly show your name, account number and IFSC printed on it. A plain 'blank' cheque with none of these printed will be rejected. If your cheque doesn't have your name printed on it, upload the first page of your bank passbook instead (it shows the same details).

Is PAN mandatory?

• Aadhaar is mandatory and is what verifies an online claim.
• PAN should be linked whenever the withdrawal could be taxable (under 5 years' service, ₹50,000+): without PAN, TDS is deducted at the higher 20% rate instead of 10%. Even otherwise, keeping PAN seeded avoids problems.

Do you need employer attestation if you've left / are unemployed?

No — not for an Aadhaar-based online claim. Once your KYC is verified and your date of exit is marked, you file the claim yourself and it's self-attested via the Aadhaar OTP. You don't need the old employer to sign. (Only the offline/manual claim route needs employer attestation.)

Quick checklist

• UAN active; Aadhaar, PAN and bank KYC verified.
• Date of exit marked.
• Cancelled cheque/passbook with name + account + IFSC.

See also the withdrawal process & timelines.