Published Jun 6, 2026 4 Min Read

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Your Provident Fund (PF) isn't just a retirement corpus—it’s a financial safety net you can tap into during life’s bigger or tougher moments. Whether you're switching jobs, repaying a home loan, or dealing with a medical emergency, the Employees’ Provident Fund (EPF) allows for partial or full withdrawals under specific conditions.
 

But before you consider dipping into your savings, it’s crucial to understand the latest EPF withdrawal rules. This guide outlines when and how you can withdraw from your PF, the documents you need, tax implications, and smart ways to reinvest the withdrawn funds—like in a Bajaj Finance Fixed Deposit with up to 7.75% p.a. returns. Open FD account. 
 

Key Changes in the EPF Withdrawal Rules Include


 

  • Members can now withdraw up to 100% of their EPF balance, covering both employee and employer contributions.
  • Education-related withdrawals are now permitted up to 10 times, and marriage-related withdrawals up to five times — previously, the combined limit was three.
  • The minimum service period required for any partial withdrawal has been reduced to 12 months.
  • Under special circumstances, members are no longer required to specify reasons for withdrawal.
  • The EPFO now mandates that at least 25% of the total balance must remain in the account. This ensures members continue earning the 8.25% annual interest and steadily grow their retirement corpus.

Who can withdraw their EPF?

EPF withdrawal is allowed for salaried employees who meet specific eligibility conditions set by the Employees’ Provident Fund Organisation (EPFO). Members can make full or partial withdrawals depending on their employment status, service period, and financial requirements. EPF withdrawals are commonly made during retirement, unemployment, medical emergencies, home purchase, or higher education needs.


You may be eligible to withdraw EPF if:

  • You have retired after reaching the prescribed retirement age.
  • You remain unemployed for a specified period after leaving your job.
  • You need funds for medical treatment, home purchase, renovation, or education.
  • You are permanently relocating abroad or facing permanent disability.
  • You want partial withdrawal for marriage or other approved purposes under EPF rules.

After withdrawing your EPF savings, you can consider investing in a Bajaj Finance Fixed Deposit to earn stable returns with flexible payout options and tenures.

What is the Employees’ Provident Fund?

Employees’ Provident Fund (EPF) is a retirement savings scheme managed by the Employees’ Provident Fund Organisation (EPFO). Under this scheme, both the employee and employer contribute 12% of the employee’s basic salary and dearness allowance every month. The accumulated amount earns interest over time and helps employees build a financial corpus for retirement or future financial needs.


What is the Employees’ Provident Fund (EPF)?

The Employees’ Provident Fund (EPF) is designed to promote long-term savings among salaried employees in India. Contributions made regularly by both employer and employee accumulate with interest and can be partially or fully withdrawn under specified conditions such as retirement, unemployment, medical emergencies, or home purchase


 

By parking your withdrawn EPF or PF corpus in a Bajaj Finance Fixed Deposit, you can ensure consistent growth with flexible tenures ranging from 12 to 60 months. Open FD and earn up to 7.75% p.a. returns.

EPF or PF Withdrawal Rules

Here are some key rules to remember when withdrawing from your Employee Provident Fund (EPF):


1. Employment Status

Under the new EPFO rules, members can now withdraw up to 100% of their eligible EPF balance, including both employee and employer contributions. This marks a significant change from the earlier rules, where full withdrawal was not allowed while still employed.


Partial withdrawals are also more flexible and liberalised for specific purposes such as medical treatment, higher education, marriage, housing, and other special circumstances. The changes, approved by the EPFO’s Central Board of Trustees on October 13, 2025, aim to simplify the withdrawal process and enhance ease of access for over seven crore subscribers.


2. Unemployment

If you’ve been unemployed for at least one month, you can withdraw up to 75% of your EPF balance.
If your unemployment continues for two months or more, you become eligible to withdraw the entire balance.


3. Tax Deduction (TDS)

TDS rules on EPF withdrawals depend on your service duration, withdrawal amount, and documentation:

  • No TDS will be deducted if:
    • You have completed 5 years of continuous service
    • The withdrawal amount is less than Rs. 30,000
    • The withdrawal is due to ill health, business closure, project completion, or reasons beyond your control
    • You submit Form 15G or 15H along with PAN, even if withdrawing Rs. 30,000 or more (with less than 5 years of service)
  • TDS will be deducted in the following cases:
    • Withdrawal is Rs. 30,000 or more, service is less than 5 years, and:
    • 10% TDS if PAN is submitted but Form 15G/15H is not
    • 34.608% TDS if PAN is not submitted


4. Premature Withdrawal

If you withdraw your EPF corpus before completing 5 years of service, it may be taxable, and TDS may apply as per the rules above. Submitting Form 15G/15H (if eligible) can help avoid TDS.


5. PF Advances (Not Loans)

You can request partial advances from your EPF for specific reasons. These are not loans and have no repayment requirement.
Eligibility depends on the purpose:

  • Medical emergencies: No minimum service required
  • Marriage/Education: Minimum 7 years of service
  • Home purchase/construction: Minimum 5 years of service

6. Job Changes

When you switch jobs, it is mandatory to transfer your existing PF balance to your new employer’s PF account.
You can initiate the transfer online through the EPFO portal using your Universal Account Number (UAN).


7. Full Withdrawal

You are allowed to withdraw your full EPF balance if:

  • You have been unemployed for 2 months or more, or
  • Your new job starts after a 2-month gap following your last working day

Recently unemployed? 

Instead of letting your PF withdrawal sit idle, invest in a Bajaj Finance FD and earn up to 7.75% p.a.—your money keeps working for you. Open FD. 


New Rules for EPF Withdrawal


On 13 October 2025, the EPFO announced significant updates to the EPF withdrawal rules, aimed at simplifying procedures and improving accessibility. Key highlights of the new EPF withdrawal rules include:  


  • Complete Withdrawal: Members can now withdraw up to 100% of their eligible balance, inclusive of both employer and employee contributions.  
  • Simplification of Reasons: The previous 13 grounds for partial withdrawal have been consolidated into three categories—essential needs (e.g., illness, education, and marriage), housing requirements, and special circumstances.  
  • Withdrawal Frequency: For education, withdrawals can be made up to 10 times, and for marriage, up to five times.  
  • Reduced Service Requirement: Partial withdrawals now require only 12 months of service.  
  • Extended Waiting Periods: PF settlement for unemployed members requires 12 months of unemployment, while EPS settlement can only be initiated after 36 months.  
  • Minimum Balance: A minimum of 25% of the eligible balance must remain, even after maximum withdrawal. This remaining amount continues to accrue interest at a rate of 8.25% per annum.  
  • Improved Process: Withdrawal steps are now faster with reduced documentation, enhanced automation, and integration of Aadhaar and UAN for smoother transactions.

These updates are designed to make fund access more efficient while ensuring members retain savings for future needs.

Eligibility Criteria for EPF or PF Withdrawal

To withdraw EPF or PF, you must meet the following eligibility criteria:

  • Nationality: Must be an Indian citizen or a Non-Resident Indian (NRI) with an EPF account.
  • Employment Status: Withdrawal rules depend on whether you are employed, retired, or unemployed.
  • Documents: Provide the necessary documents, such as Aadhaar card, PAN card, and bank account details.


While confirming your eligibility, consider investing your withdrawn corpus in a Bajaj Finance Fixed Deposit. With flexible tenures and assured returns, Bajaj Finance FDs are an excellent option for secure growth. Check eligibility and invest now.

EPF and PF Withdrawal Forms & Process

Forms Required for EPF Withdrawal

To initiate an EPF withdrawal, the following forms are used based on your withdrawal purpose:

  • Form 19 – For final settlement of EPF corpus (i.e. full withdrawal after retirement, resignation, or unemployment).
  • Form 10C – For withdrawal of pension benefits under the Employees' Pension Scheme (EPS).
  • Form 31 – For partial withdrawals or non-refundable advances for purposes like marriage, education, medical treatment, home loan repayment, or house construction.


These forms are available online through the Unified Member Portal.
 

Step-by-Step Online Withdrawal Process

You can easily withdraw EPF online by following these steps:

  1. Log in to the EPFO Unified Member Portal using your UAN and password.
  2. Go to the ‘Online Services’ tab and select ‘Claim (Form-31, 19 & 10C)’.
  3. Enter the last 4 digits of your bank account and verify.
  4. Select the type of withdrawal (final, partial, or pension).
  5. Upload Form 15G/15H (if applicable) to avoid TDS, and other supporting documents if prompted.
  6. Submit the claim. You’ll receive an SMS on claim status. It typically gets settled within 7–15 days.
     

Documents Required for EPF Withdrawal

Ensure the following documents are ready before submitting your online claim:

  • Aadhaar linked with your UAN
  • PAN Card (mandatory for TDS compliance)
  • Bank account details (must match the one seeded with UAN)
  • Form 15G or 15H (if applicable and eligible to avoid TDS)
  • Employer certification (only for offline/manual claims or specific circumstances)


No physical documents are required for online withdrawal, but KYC must be complete.

Common Reasons for EPF or PF Withdrawal

1. Medical Emergencies

Withdraw up to 6 months’ salary or the total employee contribution (whichever is less) for treatments involving yourself or immediate family—no waiting period or minimum service required.


2. Repayment of Home Loan

Withdraw up to 90% of your EPF corpus after 3 years of continuous service—provided the house is registered in your name or jointly with your spouse.


3. Wedding Expenses

After 7 years of service, you can withdraw 50% of your contribution with interest for your own wedding or that of a child or sibling.


4. House Renovation

Withdraw up to 12 months’ salary after 5 years of service for renovation of a house held by you or jointly with your spouse.


5. Buying or Constructing a New House

Post 5 years of service, EPF allows a one-time withdrawal to help purchase or construct property, registered in your or joint name with your spouse.


6. Retirement (Age 58+)

You can withdraw up to 90% of your accumulated corpus to ensure a financially secure retirement.


Planning your golden years?

Invest your PF withdrawal in Bajaj Finance FD and enjoy high, fixed returns of up to 7.75% p.a.—perfect for a stress-free retirement. Invest now.


Also Read: 7 Percent Rule for Retirement

Conclusion

Your PF isn’t just for retirement—it's a financial ally during job changes, medical needs, or life milestones. But withdrawing funds without understanding the rules or tax implications can cost you in the long run.
 

Once withdrawn, your money will continue to grow. A Bajaj Finance Fixed Deposit is a smart way to park your funds securely and earn stable returns. Whether you're preparing for retirement or saving for future expenses, reinvest wisely. Check eligibility.

Frequently Asked Questions

What are the new rules for EPF withdrawal?

The new rules mandate that at least 75% of the EPF corpus can be withdrawn after one month of unemployment, while the remaining 25% can be withdrawn after two months.

Can I withdraw my EPF amount while working?

Yes, you can withdraw from your EPF account while still employed, but only as a partial withdrawal (advance) for specific, approved reasons rather than a full closure. Valid reasons include medical emergencies, house construction/purchase, home loan repayment, marriage, or1 education. Full, 100% withdrawal is generally only permitted upon retirement or after 2 months of unemployment. 

How much time can we withdraw money from EPF?

EPF withdrawal is typically processed within 15–20 working days after submitting the claim online.

Can you withdraw PF money anytime?

PF money can only be withdrawn under specific conditions, such as retirement, unemployment, or financial emergencies.

What is the retirement age to withdraw the entire EPF amount?

The retirement age for full EPF withdrawal is 58 years.

Can I withdraw 100% of my PF amount?

Yes, you can withdraw 100% of your Provident Fund (PF) balance under specific circumstances. Full withdrawal is permitted at the time of retirement, which is generally at the age of 58 years, or in the event of permanent disablement that prevents you from working. You can also withdraw your entire PF amount if you remain unemployed for more than two consecutive months, or if you are migrating permanently abroad. In the unfortunate event of the member’s death, the entire balance is paid to the nominee or legal heir. However, full withdrawal is not allowed while you are still employed, as the PF account is meant to serve as a long-term retirement savings instrument.

How do the new rules impact unemployment scenarios?

Under the revised Employees’ Provident Fund Organisation (EPFO) rules, members who become unemployed can now withdraw up to 75% of their PF corpus immediately after job loss. The remaining 25% becomes accessible only after 12 months of continuous unemployment. Pension withdrawal under the Employees’ Pension Scheme (EPS) is similarly deferred for 36 months rather than the previous 2-month waiting period.

Can I withdraw the employer’s share from my PF account?

Yes, it is possible to withdraw the employer’s contribution from your Provident Fund (PF) account. As per current EPFO rules, members can withdraw up to 100 % of the eligible PF balance, including both employee and employer contributions, after retirement or following two months of continuous unemployment. In addition, EPFO permits partial withdrawals for specific purposes such as medical treatment, housing construction or purchase, education, and other approved needs, subject to prescribed conditions.

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