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    <title>HOW TO FILE EPFO ONLINE ADVANCE CLAIMS</title>
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    <description>EPFO permits a one-time pandemic-related PF advance where an Aadhaar-verified active UAN with a seeded bank account and mobile is required; withdrawal is limited to a specified portion of PF balance or a capped multiple of basic pay and DA, and must be filed via the unified member portal by selecting PF Advance (Form 31), uploading a cheque, authenticating with Aadhaar OTP and obtaining departmental approval before payment. Ensure correct bank details and escalate to employer or lodge grievance for delays.</description>
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