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  1. #1
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    shilabhadra dekaraja
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    Default How I can take loan from Provident Fund ?


    I am an employee of a private company, & my provident fund has been deposited last 7 years. Now I wish to take some money from my pf account, without closing my account. I would like to know the rule & terms condition to apply & get the same as earliest possible.



  2. #2
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    Surendera M. Bhanot
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    Default Re: How I can take loan from Provident Fund ?


    You can take "Refundable" as well as "Non-Refundable" Loan from your provident fund. Apply through your employer on appropriate Form.

    Also watch your PF Account through Internet. See Below

    First you should directly ask your HR deptt. to provide your PF Number, however, employer neglect your request, just approach Regional PF Office and consult EDP section. (You have to be smart and humble while requesting EDP section, just tell your company and your name, the person will verify your records through computer and will let you know the exact status as on date)

    All of you seeking PF related help may use the following link which will take you to EPFO newly launched "Employees Provident Fund internet Grievance Management System (EPFiGMS) portal: EPFO or go to Home Page

    This is the New service started by EPFO for online redressal of grievances of the members of EPFO and covers the following types of the queries:

    1. Withdrawal/Final Settlement of PF (Form19/20/31/10C)
    2. Transfer of PF Accumulations (Form 13)
    3. Scheme Certificate (Form 10 C)
    4. Settlement of Pension (Form 10 D)
    5. Issue of PF Slip/PF Balance
    6. Payment of Insurance Benefit (Form 5 IF)
    7. Cheque Returned/Misplaced
    8. Other (Not covered above)

    Please tell us your experience with the above so that the other members could be benefited accordingly.


  3. #3
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    Default Re: How I can take loan from Provident Fund ?


    Even though this thread gives a lot of information regarding the PF and the details of the PF but it doest tell teh actual process one needs to follow to get the loan on PF.If anyone is well versed with the process please do let me know as I am in great need of this process rite now.

  4. #4
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    Deepa
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    Default Re: How I can take loan from Provident Fund ?



    Hi Ajit,

    You can also take interest-free loans from the accumulated PF. Well, it is actually your money and when you take a loan, the loan amount will not earn interest and this lost interest is your interest cost.

  5. #5
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    Default Re: How I can take loan from Provident Fund ?


    In fact this from is doing this extra bit service as large number of people are PF Blues sufferer. PF is not the topic of this forum. As large number of threads are list by the search engines, the page rank of the threads are quite high. That's why you are directed here.

  6. #6
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    Default Re: How I can take loan from Provident Fund ?


  7. #7
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    shilabhadra dekaraja
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    Default Re: How I can take loan from Provident Fund ?


    Actually i need some amount for my personal important use. But what is the procedure i don't know. i have got so many information, but how & what ground i can apply that i don't know. If you have information, please specify.

  8. #8
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    Surendera M. Bhanot
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    Default Re: How I can take loan from Provident Fund ?


    You can obtain loan for marriage in family/own, child birth/festival/ceremonies, House repair/construction/extension, Social purposes, Education, Travel many more. Aply through your employer.



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