Procedure for EPF Withdrawal on death? (here are 6 documents required)

POSTED BY Jagoinvestor ON April 2, 2018 COMMENTS (20)

A lot of EPF accounts are lying unclaimed after the death of an employee. Families have no idea how to claim for the EPF money and what is the process?

Today I will share with you how your family will be able to withdraw the EPF account money in case something happens to you.

withdraw EPF after death of employee

How to claim EPF money after the death of an employee?

Once a person is dead, the beneficiaries of the dead employee can proceed with the process of withdrawing the EPF money. The first right is of the nominee who was mentioned in the EPF by the account holder. Mostly it’s a father or mother as most of the people are unmarried when they start their careers and they mention one of the parents as a nominee.

Here are the documents one need to submit

1 EPF Composite Form The first form is called Composite form for death cases, which is a single form to be filled to claim EPF, Insurance money and any pension amount.
2 Death Certificate You need to provide the death certificate of the EPF account holder who had died.
3 Birth certificate of children claiming pension If there are children of the deceased who are claiming the EPF, they need to provide the birth certificate for each of them
4 Joint photograph of claimants One has to provide a joint photograph of all the claimants together. This is to make sure that there is no fraud in the name of claimants.
5 Copy of canceled cheque or attested copy of the first page of Bank Pass Book To make sure there is a proof of the account where the money is is going, one has to provide the copy of the canceled cheque or first page of bank passbook
6 EPS Scheme certificate (only if applicable) This is a certificate which is a document which has all the details of who will get the pension etc after the death of a member. It’s issued by EPFO and this is applicable only when there is a pension part applicable.

How does the EPF Composite form look like

Here is a snapshot of how the EPF composite form in death cases looks like. This is the main document that one has to fill if they want to claim the EPF amount.

Composite claim form to withdraw money from EPF account after death of employee

You can also download the EPF Composite form for death cases here.

Share this information with your Family

As you can see, that the process of claiming EPF is lengthily and painful, you should make sure that you make it easy for your family members to claim back the EPF money. Hence please do following things

  1. Keeping all of your important information at one place which is safe and accessible to your family
  2. Please update the nominee of your EPF to someone whom you really want it to go
  3. If you have a WILL, mention the beneficiary who should get the EPF money

I hope you get a clear idea about the EPF claiming process now. If you have any query please reply in the comment section.

20 replies on this article “Procedure for EPF Withdrawal on death? (here are 6 documents required)”

  1. Sonali g says:

    My bro is passed away but he hasn’t link his adhar no. With mobile no. And I asked to the epfo office but they are saying he have to do biometric or KYC bt he is no more now.. Then what is the another option for the same.. Please answer me I was trying to solve this since 3 months bt didn’t get any answer for this. Plz help me out.

    1. Jagoinvestor says:

      Hi Sonali

      Its not a normal withdrawal, but a handover process because the person is no more now. Ask them what all documents is needed by them so that you can get all the money in your account.


  2. Kishore V says:

    Dear members,
    Need information on how to correct nomination name details after the person is deceased
    My father gave my mother name as nominee for PF account,
    But the middle name given in my mother’s name is wrong .PFoffice has declined our offer claim without giving any info

    1. Jagoinvestor says:

      You need to make an affidavit for the name and then reach out to EPFO

  3. TUHIN PATRA says:

    this is a very useful article for me, thanks for sharing, I am searching that info from several days.

    1. Jagoinvestor Admin says:


      Glad to know that you liked the article.

      Please share it on your social media profile so that it can reach more and more people !


  4. Good Article…Keep continue its very helpful

    1. Jagoinvestor Admin says:

      Thanks for your comment Irshad Ahemad .. Please keep sharing your views like this..


  5. Aasif Ali says:

    Sir you have written a lot of work keep helping people like this even further.

    1. Jagoinvestor Admin says:

      Thanks for your comment Aasif Ali .. Please keep sharing your views like this..


  6. John William Norbert says:

    I and ex wife living sepeartly by giving talak in2015.Now l am living another woman in relationship base. I want to delete the name of my Ex wife from Nomination form. Can i do and how?

    1. Jagoinvestor says:

      You just need to change the nomination in your EPF by filling up a form. Search about it

  7. Murli Padbidri says:

    Thank you for the excellent info.
    Do you have similar info for PPF ?

    1. Jagoinvestor Admin says:

      Thanks Murli Padbidri
      read this article

  8. Sanket says:

    Excellent information Sir, as always. Thank you very much for sharing.

    1. Jagoinvestor Admin says:

      Thanks for your comment Sanket .. Please keep sharing your views like this..


  9. Ravi Kumar says:

    yes this is usefull, do you have aby info about what is the procedure for EFP when anyone changes the company. does he have to create new EPF account?

    1. Jagoinvestor Admin says:

      Hi Ravi Kumar
      Submit your UAN and KYC to your new employer, further process will be done online. Or you can also submit Form 13 through your new employer or old employer (preferred)

  10. Sreenivas says:

    Nice request ..pls share detail information on how to withdraw PF with latest documents (Aadhar, Non-aadhar )…

    1. Jagoinvestor Admin says:

      Hi Sreenivas
      Thanks for your comment
      Read this article to know the process of withdrawing PF

Leave a Reply

Your email address will not be published. Required fields are marked *

This site uses Akismet to reduce spam. Learn how your comment data is processed.

FREE Financial Health Checkup

Take up a detailed 25 questions financial health checkup to find out how much you score out of 100?

Subscribe to our Newsletter