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The Employees' Provident Fund Organization (EPFO) is set to implement a major overhaul of its system starting next month—specifically, April 1, 2026. That’s right: under the new 'EPFO 3.0' initiative, the entire process for withdrawing PF funds will become completely digital and significantly faster. The most notable feature is that users will now be able to withdraw their PF money directly from ATMs using UPI. Let's explore this in greater detail...

How ​​to Withdraw PF Funds via UPI?
Essentially, once the new system is implemented, you will no longer have to endure a lengthy process or a long waiting period to withdraw your PF funds. Under EPFO ​​3.0, an "Instant Credit" feature will be introduced, ensuring that the funds are transferred directly to your bank account via UPI almost immediately after you submit a withdrawal request.

Quick Access to Funds Upon Job Loss
According to the new regulations, if an employee loses their job, they will be able to immediately withdraw 75% of their PF balance to cover daily living expenses. The remaining 25% of the amount will remain securely in the account for a period of one month. If the user does not find a new job within this timeframe, they will be granted the facility to withdraw the remaining balance as well. This system serves as a vital safety net for employees.

How ​​to Withdraw PF Funds from an ATM?
To do this, first open the EPFO ​​portal or the UMANG app.
Next, select the "UPI Withdrawal" option.
Enter the amount you wish to withdraw.

Subsequently, enter your UPI PIN to verify and authorize the request.
Once the funds have been credited to your bank account, proceed to any UPI-enabled ATM.
At the ATM, select the "QR Cash" option.
Finally, scan the displayed QR code to withdraw your cash.

Prerequisites for Withdrawing PF Funds via UPI
However, to avail yourself of this facility, there are certain essential requirements you must keep in mind. First and foremost, your UAN (Universal Account Number) must be active. Additionally, your PF account must be linked with your Aadhaar number.

Furthermore, your mobile number must be linked to both your Aadhaar and your UPI application. Finally, your bank KYC details must be fully updated and verified by your employer.

Disclaimer: This content has been sourced and edited from Dainik Jagran. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.