Kosh हिंदी में पढ़िए

If you file now, it will be rejected.

5 blockers · ~1 days · ₹0 in fees

This is a sample case. The names and numbers are manufactured and belong to no real person.

What is stopping it

1 Stops the claim

You filed the wrong form for what you want

Why it fails
Provident fund, pension and advance are three different claims. Asking for one on another's form is refused rather than redirected.
Who has to fix it
You
How long
No stated period
The rule — Form 31 for partial PF advance
Form 31 for partial PF advance: Enables EPF members to claim non-refundable advances while actively employed.

Livemint, complete guide to EPF withdrawal · Read the rule · We read this on 2026-08-18.

2 Stops the claim

The category you ticked does not match the reason you gave

Why it fails
A hospital bill is an essential need, not a housing need. The categories were reorganised in 2026 and the wrong one is refused rather than corrected.
Who has to fix it
You
How long
No stated period
The rule — three categories
the earlier 13 partial-withdrawal provisions have been grouped into three categories: Essential Needs, Housing Needs and Special Circumstances

SightsInPlus, EPFO eases PF withdrawal rules, brings them under 3 categories · Read the rule · We read this on 2026-08-18.

3 Stops the claim

You are still in the job

Why it fails
A final settlement is only for somebody who has left. While you are working, an advance is the thing that exists for you.
Who has to fix it
Nobody. This is the rule
How long
No stated period
The rule — final settlement
final settlement is approved only after you leave employment

Livemint, complete guide to EPF withdrawal · Read the rule · We read this on 2026-08-18.

4 Stops the claim

You asked for more than 75% of your balance

Why it fails
A quarter has to stay in the account. Kosh shows the exact maximum you can take today rather than letting the claim fail on the amount.
Who has to fix it
Nobody. This is the rule
How long
No stated period
The rule — EPF Scheme 2026, minimum balance
EPF subscribers must maintain 25% minimum balance in their EPF account at all times

Livemint, top reasons your EPF settlement claims could be rejected · Read the rule · We read this on 2026-08-18.

5 Stops the claim

You have under 12 months of membership

Why it fails
The 2026 scheme replaced the old five and seven year thresholds with a single twelve month rule. It applies to almost every advance.
Who has to fix it
Nobody. This is the rule
How long
Clears by itself on 2027-03-05
The rule — standardisation of the minimum membership requirement
the minimum membership requirement for most advance EPF withdrawals has been standardised at 12 months

Livemint, EPFO eases partial withdrawal rules · Read the rule · We read this on 2026-08-18.

What you can do instead

Nothing is payable from the fund until twelve months of membership are complete. Kosh shows the exact date, and what will be available on it.

From 2027-03-05 · ₹30,750

75% of ₹41,000 is ₹30,750 — the most available after the 2026 minimum-balance rule. The figure on the day will differ, because the balance keeps growing.

Rule: F04_MEMBERSHIP_12M

Form 31 is the advance form and it is the one that applies while you are working. The same records, on the right form, is a different answer.

Rule: E01_WRONG_FORM

Refile with the category that matches your reason. Kosh names which of the three it is, so there is nothing to guess.

Rule: E03_REASON_NOT_ALLOWED

An advance under Form 31 is open to you while you are in service, under Essential Needs, Housing Needs, or Special Circumstances.

Rule: F01_STILL_EMPLOYED

Ask for 75% of the balance or less and the amount stops being the problem. Kosh computes the figure for you.

Rule: F03_MIN_BALANCE_25

How complete this check is

Checked 45 of 61 rules. 0 we had no data for.

See the full check → Decode the government’s message →

This is not the government’s decision. The office decides. This is a check of whether the known causes of rejection are present in your record.

How do I fix it? →