EPFO 3.0: When will you be able to withdraw PF from ATM? Know the rules and limit of withdrawal of money

By Samira Vishwas On Jun 2, 2026

EPFO 3.0: The Employee Provident Fund Organization (EPFO) is launching a major digital upgrade initiative named EPFO 3.0 that will allow subscribers to withdraw or transfer provident funds in a paperless manner. The retirement fund body is working on large-scale digital transformation and simplification of services through a new system. Its objective is to eliminate processing delays by allowing subscribers to directly access and transfer their provident fund savings through UPI and UPI enabled ATMs.

This is expected to reduce waiting time and ease access to savings for EPF subscribers, who will soon be able to do so by transferring funds directly to their bank accounts through the UPI payment gateway.

Launch dates, rules

Amidst the discussion about the launch of EPFO 3.0, we explain about ATM withdrawals, launch status, PF withdrawal process, rules and limits of this initiative.

When will EPFO 3.0 be launched?

Union Labor Minister Mansukh Mandaviya had made this announcement in May, in which it was said that the testing of this facility has been completed, and the service is expected to start soon, but he did not give any date or timeline.

How much can you withdraw from your EPFO account?

Under EPFO 3.0, subscribers can withdraw 50% to 75% of their EPF balance through UPI or UPI-enabled ATMs, depending on the applicable terms.

How will EPFO withdrawal work through UPI and ATM?

Subscribers will be able to see the eligible EPF balance available for transfer to their seeded bank account. You will be allowed to use the linked UPI PIN to complete the transaction and ensure secure transfer of money to their bank account. Once the money is transferred to your bank account, the subscriber can use it as per his wish, such as making payments electronically or withdrawing cash from bank ATM using debit card.

Rule

What is the required retention limit? As per the rules, you can generally withdraw 50% or 75% of your total EPF corpus. However, at least 25% of your total provident fund contribution should remain untouched as required buffer or required retention.

Higher auto-settlement limit?

The auto-settlement limit has been increased from ₹1 lakh to ₹5 lakh so that many EPFO members can access their EPF funds within 3 days. This decision is to ensure that the subscriber can quickly get funds for his needs like buying and construction of a house, education, medical treatment or marriage.

Will withdrawing EPF from ATM affect pension?

No, because ATM withdrawal facility is applicable only on EPF balance, which also includes the contribution made by the employee and employer to the Provident Fund.

What problems does EPFO 3.0 want to fix?

Members will be able to use Face Authentication Technology (FAT) in the UMANG app to get and activate UAN as well as activate existing UAN. Through this, members can instantly view their passbook, update incorrect information and submit claims online. Additionally, when linking Aadhaar for the first time, corrections can be made through a joint declaration on the member portal.

Where can you see the update?

Latest updates can be tracked on epfindia.gov.in and official EPFO releases.

EPF access through UPI

According to Mandaviya, the project involves freezing a certain portion (at least 25%) of the EPF account, of which a larger portion (50-75%) will be made available for withdrawal through UPI from the member’s bank account.
You will be able to see the eligible EPF balance available for transfer to your Aadhaar-linked bank account.
You can use the linked UPI PIN to complete the transaction.
Once the money is transferred to the bank account, members can use it to complete online payments or withdraw cash from ATM.

EPFO’s initiative to use WhatsApp for outreach

Mandaviya also said that EPFO has taken the initiative to use WhatsApp to increase outreach and ease member service. The reason for choosing this medium is to reach mobile users.

Members can type ‘Hello’ on EPFO’s registered WhatsApp number, which is verified with a green tick mark for security and trust, to initiate a conversation with EPFO.
They can also opt to receive EPFO messages on their registered mobile number.
All conversations will be in local/common language, so that members will be able to connect with EPFO more comfortably.
Members will have 24/7 access, and automated systems can handle frequently asked questions around the clock.

EPFO will reduce cases, ensure timely resolution

The minister also informed that EPFO has launched a focused, mission-mode initiative to reduce litigation and ensure timely resolution of cases pending at various legal forums.

It launched a dedicated mission mode drive to settle pending cases in consumer courts. Under the ‘Nidhi Aapke Nicht (NAN)’ programme, cases were identified in advance and disposed of expeditiously.

EPFO expanded, added 1.29 crore employees

According to official data, the government added more than 1.29 crore employees to the payroll in 2024-25. Meanwhile, the unemployment rate fell from 6% in 2017-18 to 3.2% in 2023-24.

EPFO currently manages funds worth around ₹28 lakh crore and is trusted by crores of members because of its robust systems, security and high returns, which in many cases are tax-free.

EPFO’s auto-settlement mode has processed more than 3.52 crore claims for amounts up to ₹5 lakh till February 25, 2026 (FY25-26). In June last year, it had increased the auto-settlement threshold from ₹1 lakh to ₹5 lakh to reduce manual oversight and shorten the processing window.

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