EPF Withdrawal Rules: The Employees’ Provident Fund Organization (EPFO) has made a major change to its rules, allowing employees to withdraw the entire amount from their EPF account. However, this facility will be subject to certain conditions so that retirement savings are not completely depleted. The new provisions aim to provide relief to employees in emergency financial needs.
New 100 Percent Withdrawal Facility
According to the revised EPFO rules, members can now withdraw the entire amount of both employee and employer contributions from their provident fund account. However, this withdrawal is only permitted in special circumstances, such as critical illness, children’s higher education, marriage, or urgent housing construction. The organization has clarified that this step has been taken to meet emergency needs so that members can draw on their own funds during difficult times.
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25 Percent Requirement to Maintain Balance in Account
According to the new rules, it will be mandatory for members to maintain at least 25 percent of their total EPF balance in their account. This amount will continue to earn 8.25 percent annual interest and compound interest. Financial experts say this move will be beneficial for employees’ long-term financial security, as it will secure their future retirement funds and provide additional benefits in the form of interest over time.
Increased Limit for Education and Marriage
Previously, EPF members could withdraw up to three times from their accounts for education or marriage. This limit has now been significantly increased. Under the new rules, members can withdraw up to ten times for education and five times for marriage. This change brings relief to families who previously needed to take out loans for major educational or marriage expenses. This move will now allow families to meet their needs without borrowing.
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Greater Relief in Unemployment
Another important amendment to the rules relates to unemployment. Now, if a member becomes unemployed, they can withdraw up to 75 percent of their EPF account balance. The remaining 25 percent will be available at the time of final settlement. Previously, applying for unemployment required proof of circumstances such as a natural disaster or lockdown, which complicated the process. However, it has now been simplified and made transparent.
