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PF Withdrawal Rules:Lakhs of people working hard in every sector in the country have PF accounts. Now the Employees’ Provident Fund Organization (EPFO) has updated the PF Withdrawal Rules, which will have a direct impact on every PF account holder.

Earlier you could withdraw 100% of the amount from your PF account, but under the new PF Withdrawal Rules, it has now become necessary to keep at least 25% of the balance in the account. Meaning, you will be able to remove only 75% of it completely. These changes are to make PF Withdrawal smarter.

If a maid or driver works in your house, they will also have a Provident Fund (PF) account. The Central Government has given a big blow to the rules to PF Withdrawal. These PF Withdrawal Rules are so important that every employee should know them, otherwise their dreams of retirement may be shattered.

Have PF Withdrawal Rules changed?

Employees’ Provident Fund Organization (EPFO) has neatly reduced the 13 old rules of PF Withdrawal into just 3 main rules. The government says that these PF Withdrawal Rules are for the benefit of the employees, so that a good amount of savings can be maintained till retirement and they can get full benefit of interest.

According to the new provisions, you can withdraw money from the PF account for your needs, but 25% of the amount should always remain in the account. Its advantage is that your PF balance will continue to increase with compound interest. The aim of EPFO ​​is to ensure long life of employees through PF Withdrawal Rules.

Understand the new PF Withdrawal Rule with an example

Suppose you have Rs 1 crore deposited in your PF account. Earlier you would have withdrawn the entire amount, but now under PF Withdrawal Rules you will have to keep Rs 25 lakh in the account. You will be able to withdraw only up to Rs 75 lakh. Government officials believe that this will not only provide good interest but will also ensure that there is no financial crunch even after retirement. These PF Withdrawal Rules will really strengthen the future of the employees.

In how many days does PF Withdrawal take after leaving the job?

There has been a big change in the new PF Withdrawal Rules regarding unemployment or job loss. Now the final settlement of PF account will be possible only after 12 months. At the same time, one will have to wait for 36 months to withdraw the pension (EPS) amount. Earlier, there was the option of complete PF withdrawal only after 2 months of unemployment, but now this time has been extended. EPFO says that this will keep the savings safe.

What are the new categories of PF Withdrawal?

Now PF Withdrawal can be done only on 3 main reasons. First, essential needs (emergency) such as medical emergency. Second, expenses to housing. Third, special circumstances like marriage or education. The remaining 13 old purposes like small loans or other works have been removed.
Apart from this, PF Withdrawal has now become completely digital. Employer’s approval is not required. With UAN and Aadhaar linking, withdrawals will be automatic.

You can easily check balance with Passbook Lite app. The government has made face authentication verification mandatory from August 2025. That means claims up to Rs 5 lakh will be settled through the auto-claim settlement system only. These PF Withdrawal Rules make the technology easier.

How to withdraw PF online? Step-by-step guide

To make PF Withdrawal easier, EPFO ​​has also simplified the steps. First of all, login to your UAN portal or Umang app. Then select Form-19 (PF) and Form-10C (Pension). Verify the bank account, and if necessary, upload Form 15G/15H. Now upload the photo of the check and click on ‘Get Aadhaar OTP’. As soon as you enter OTP, your claim will go to EPFO. Once approved, the money will come directly into the bank account.

The real objective of these PF Withdrawal Rules is to protect the savings of the employees. Now it has become difficult to withdraw the entire amount, but this will create a strong fund for retirement. These new PF Withdrawal Rules of EPFO ​​will prove to be a game-changer for every employee.