Employees’ Provident Fund Organisation (EPFO) is a very useful option for private sector employees as it can be used whenever they need money unexpectedly. Although this fund is deposited in your account, you cannot withdraw all the money as you wish. There are some rules and regulations. Let’s find out how many times and how much you can withdraw from EPFO for marriage.
According to the new EPFO rules, withdrawing PF for marriage has become much easier than before. Members can now withdraw up to 100% of their PF balance (employee + employer’s share) for their own or any family member’s marriage. Moreover, withdrawals can now be made up to five times for marriage, as against the earlier limit of three. Earlier, at least seven years of service was required to withdraw PF for marriage, but now it has been reduced to 12 months. Similarly, there is no need to submit any marriage card or any other specific documents. Only a simple declaration is required, which simplifies the process.
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About New withdrawal rules
The most significant change that EPFO has brought in the rules for withdrawing funds from PF is that you can now withdraw your entire PF fund. The maximum withdrawal limit has been increased to five times from the previous three times. The most significant change is the years of service. Earlier, different years of service were specified for different withdrawals, but now that limit has been reduced to 12 months. Moreover, in case of withdrawing money for marriage, no marriage card or certificate is required, just a declaration is enough.
As per the new rules of the Employees’ Provident Fund Organisation (EPFO), account holders can withdraw up to 100 percent of their PF account balance for personal occasions like weddings. This money can be spent on their own wedding, their children’s wedding, and even their siblings’ weddings. This decision by EPFO will come as a relief to the common man as weddings in India are a significant expense. An average Indian wedding costs between Rs 5 lakh and Rs 20 lakh. Earlier, account holders could withdraw money only three times for weddings, but now this limit has been increased to five times.
Also Read –EPFO Rules 2026 – Can You Withdraw PF Money for Wedding Expenses? Check the New Guidelines
How to withdraw money?
Step 1: Visit the official website of EPFO https://unifiedportal-mem.epfindia.gov.in/memberinterface/ from a laptop or mobile.
Step 2: ‘Sign In’ with your UAN, password and captcha.
Step 3: After logging in, click on the ‘Online Services’ tab in the top menu.
Step 4: Select Claim Form-31, 19, 10C and 10D option
Step 5: Enter the bank account linked to your PF account.
Step 6: Select Form 31 option for partial withdrawal here.
Step 7: Select ‘Marriage’ from the ‘Purpose for which advance is required’ drop-down.
Step 8: Accept the terms and conditions and submit the application.