EPFO 3.0 New Rule: When will you be able to withdraw money from PF through ATM and UPI? Know the whole truth about EPFO ​​3.0 new rules!

EPF Balance Withdrawal News: Do you also get PF deducted from your salary every month? If yes, then there is a very exciting news for you! Under the EPFO ​​3.0 initiative, the method of withdrawing PF is going to change completely very soon. The government is preparing for such a big digital change, due to which your PF money will be directly in your hands. Let us know what this new system is! When will the facility to withdraw PF money from ATM and UPI start under EPFO ​​3.0 initiative? Lakhs of EPFO ​​subscribers are eagerly waiting for this big digital change. Based on the recent statements of Union Labor and Employment Minister Mansukh Mandaviya and the preparations of the government, let us take a look at the latest information related to this facility…

Has the government decided the launch date?

The biggest question is when will this facility start. Union Minister Mansukh Mandaviya has clarified that the testing phase of the new system has been successfully completed and this service will be started soon. However, the government has not yet announced any specific date or deadline. This means that until EPFO ​​officially launches the EPFO ​​3.0 platform, subscribers will not be able to withdraw PF money through UPI or ATM.

How will the withdrawal process work?

Once the platform is fully launched, the process of withdrawing money will become completely paperless and digital. It will work like this:

• Upon logging into their EPF account, subscribers will clearly see the amount they are eligible to withdraw.
• After selecting the required amount, you will need to authenticate (verify) the transaction using your UPI PIN.
• After entering the PIN, the sanctioned amount will be transferred directly to your Aadhaar-linked and bank-seeded account.
• After this you can use that money for online payment or withdraw cash from any nearby bank ATM.

How much money can you withdraw under the new rules?

According to sources close to EPFO, the new system may allow members to withdraw 50% to 75% of their total PF balance. However, you will not be able to withdraw the entire amount as there is a ‘Mandatory Retention Rule’ built into the system. Under this rule, it is mandatory to maintain at least 25% of your total PF fund in the account to ensure future security.

Will withdrawing money from ATM affect your pension?

Many subscribers fear that frequent withdrawals may reduce their pension, but this is not the case at all. This new ATM and UPI facility is only for the EPF portion which includes the contributions made by both you and your employer to the PF fund. The Employee Pension Scheme (EPS) portion will be completely separate from this, due to which your pension will remain safe.

Auto-settlement limit increased to Rs 5 lakh

While waiting for the launch of the new platform, EPFO ​​has already provided relief by increasing the auto-settlement limit from Rs 1 lakh to Rs 5 lakh. Claims up to Rs 5 lakh for reasons like illness, marriage, education or house construction are now processed in just three days. As of February 25, 2026, more than 3.52 crore claims have been settled through this system.

Additionally, after the launch of EPFO ​​3.0, it will become easier to activate UAN, view passbook and update profile information using Face Authentication Technology (FAT) through the UMANG app. At present, all eyes are on the next official announcement of the government.

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