EPFO Update – The process of withdrawing PF for EPFO employees is going to become much easier. A new online system will be launched in 2026, allowing for quick withdrawal of PF funds. It will now be more transparent and streamlined than before. Previously, the process of withdrawing money from EPF seemed quite difficult, but that will no longer be the case.
The Employees’ Provident Fund Organisation (EPFO) has made significant changes to the withdrawal rules in 2025. Earlier, there were 13 different reasons for withdrawing money from EPF. Now, these reasons have been consolidated into just 3 categories. Therefore, PF employees need to understand how much money they can withdraw in different situations.
Know when you can withdraw the full EPF amount
The main objective of EPF is to provide financial security after retirement. PF employees can easily withdraw money from their accounts under certain circumstances. This includes withdrawing EPF money after reaching the age of 58.
Money can also be withdrawn in case of voluntary retirement, permanent disability or inability to work, and unemployment. In this case, 75 percent can be withdrawn first, and the remaining 25 percent can be withdrawn after one year (12 months). There are several rules and regulations for partial withdrawal.
Under what circumstances is partial withdrawal possible?
According to EPFO rules, employees can easily withdraw money as needed even before retirement. After 5 years of service, partial withdrawal is possible for buying or building a house. If it’s for repaying a home loan, withdrawal is possible after 10 years of service.
There is no service period requirement for medical treatment. Partial withdrawal is possible after 7 years of service for marriage and education. If you retire at the age of 54, withdrawal of up to 90 percent is possible.
These facilities will start in 2026
The year 2026 is going to be very beneficial for PF employees. By March, ATM and UPI facilities for PF withdrawal will also be launched. Employees will be able to withdraw their PF using ATMs as well. This will provide significant relief to PF (Provident Fund) employees in the technology sector. They will no longer need to file claims. Currently, it takes 7 to 12 days for a PF claim to be confirmed.