PF Withdrawal Rule: When and how will the entire PF amount be withdrawn? It is important to know the rules of EPFO

PF Withdrawal Rules: For salaried employees, withdrawing Provident Fund (PF) money was often a confusing and time-consuming process. Many people had difficulty understanding the rules and claims were often rejected due to minor technical mistakes. In a major step aimed at simplifying the process, the Employees’ Provident Fund Organization (EPFO) has made major changes in its withdrawal framework, thereby simplifying the rules for withdrawing PF money.

Many people withdraw their Provident Fund (PF) money when needed. However, they cannot withdraw the entire amount. In 2025, EPFO ​​has made many major changes in the rules for withdrawing PF. Let us know when you can withdraw 100% money from your PF account.

PF claim made easy

The Employees’ Provident Fund Organization (EPFO) has simplified withdrawal processes, expanded digital services and provided greater access to the fund during times of unemployment and other urgent needs. Claim processing has been simplified, reducing paperwork and delays.

What are the rules for withdrawing PF?

Under the new PF withdrawal rules, you can withdraw up to 75% of the total amount. You will have to leave the remaining 25%.

This means that EPFO ​​has also ensured that at least 25% of the amount remains in your PF account so that you can get its benefits at the time of retirement.

These rules also provide relief in case of job loss. Members who become unemployed can withdraw up to 75% of their total PF balance immediately, while the remaining amount can be withdrawn after a year if they do not get another job.

Rules for withdrawing PF: How much money can you withdraw in different situations?

Withdrawal Limit – Withdrawal possible up to 100%, 25% balance required

Withdrawal purpose – limited to only 3 categories: essential needs, home, and special circumstances

Service Period – Now Only 12 Months (One Year)

Number of withdrawals – 10 times for education, 5 times for marriage

Required Documents – Now self-declaration is enough

Final Settlement – ​​Now after 12 months (PF), 36 months for pension

Digital Transfer – Now Automatic with UAN + Aadhaar

Profile Update – Digital Update through Aadhaar and UMANG App

Auto Claim Settlement – ​​Now up to ₹5 Lakh

Minimum balance rule – 25% of the amount in the account should remain

Pension withdrawal – now after 36 months

In certain circumstances, it is possible to withdraw the entire amount, such as retirement at the age of 55, permanent disability, retrenchment, voluntary retirement, or permanent move abroad. Now, you can withdraw the entire amount from your provident fund account after retirement. The retirement age in private sector is 58 years. You can withdraw money from your provident fund account as soon as you retire.

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