EPFO– If you are employed, then you must have a PF account. Every month some amount is deposited in this account from your salary and company’s contribution. Sometimes there is a need that you have to withdraw some amount from your PF money. But do you know when, how and how much money you can withdraw? The Employees Provident Fund Organization (EPFO) has made some rules for this, which also have some conditions. It is important to understand them so that you do not face any problem later. Let us tell you about the rules of EPFO.
You can withdraw PF for marriage
According to EPFO rules (para 68K), you can withdraw money from PF for marriage. For this, you must be a member of EPF for at least 7 years, and you must have at least Rs 1,000 in your account. You can withdraw up to 50% of your share of contribution (including interest). This money can be used for the marriage of yourself, siblings or children.
Money for children’s education
Under EPFO rules, you can also withdraw money from PF for your children’s education. For this also 7 years of membership is necessary. You can withdraw up to 50% of your share of contribution (including interest), but this facility is available only 3 times in life.
To buy or build a home
If you want to buy, build or repair a house, then money can be withdrawn from PF under the rules of EPFO (para 68B). For this, at least 5 years of EPF membership is necessary. For house repair, money can be withdrawn 5 years after the house is built. If additional repairs are needed, then money can be withdrawn 10 years after the first withdrawal. Withdrawal is allowed only once for this purpose.
For medical needs
The rules for withdrawing money from PF for medical needs are quite simple. According to the EPFO rules (para 68J), you can withdraw money at any time, even immediately after joining EPF. If needed, you can withdraw this amount as many times as you want.
Before retirement
According to EPFO rules (para 68NN), if you are one year away from retirement, you can withdraw up to 90% of your total PF fund. This facility is available only once.
State of unemployment
If your company or organization remains closed for more than 15 days and you become unemployed without compensation, then under the rules of EPFO (para 68H) you can withdraw your share of contribution. If you have not received salary for more than 2 months continuously, then also you can withdraw your share of money.
To repay the loan
If you have taken a loan to buy, build or repair a house, you can withdraw money from PF to pay its outstanding principal and interest. According to EPFO rules (para 68BB), at least 10 years of EPF membership is necessary for this. You can withdraw 36 months of basic salary and DA or the total contribution of the employee-employer or the outstanding loan amount (whichever is less).
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