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The Employees' Provident Fund Organisation (EPFO) launched 'EPFO 3.0' last year with the aim of simplifying and modernizing the retirement body's digital systems and operational procedures. It is expected that EPFO ​​3.0 will be fully implemented by mid-2026, to provide citizens with easy and hassle-free services. Under EPFO ​​3.0, several new changes have been proposed—some have already been implemented, while others are expected to come into effect soon. One such change involves the introduction of rules allowing for PF withdrawals via UPI and ATMs. Let us explain this to you in detail.

Under EPFO ​​3.0, several major changes have been proposed, including easier access to Provident Fund accounts, auto-claim settlements, instant PF withdrawals via ATMs and UPI, and the seamless transfer of funds to a bank account of the employee's choice. Furthermore, under EPFO ​​3.0, members will also be able to check their PF balance directly on UPI platforms. The most significant change introduced by EPFO ​​3.0 is the provision of an option to withdraw PF funds using ATMs and UPI. This will eliminate the need for individuals to make repeated trips to banks or EPFO ​​offices to access their money. However, there are certain limits and conditions associated with this facility, which are outlined below.

**How ​​much money can be withdrawn?**
The EPFO ​​may set a maximum withdrawal limit for PF balances accessed via UPI or ATMs, capped at 50% of the total accumulated amount in the account. This measure is being implemented to ensure that members retain a portion of their savings, allowing them to utilize the remaining funds for future necessities. According to various media reports, the EPFO ​​may also issue ATM cards to its members, enabling them to withdraw funds directly from ATMs. These cards will be linked to their respective PF accounts.

**Who is eligible to withdraw PF balances via ATMs and UPI?**
To facilitate easy withdrawal of PF funds, EPFO ​​members must fulfill certain essential prerequisites. The member must possess an active Universal Account Number (UAN). Both the registered mobile number and the UAN must be operational. Additionally, the UAN must be linked with the member's Aadhaar number, PAN, bank account number, and IFSC code. To ensure hassle-free service delivery, the EPFO ​​has entered into agreements with 32 government and private banks, enabling companies to deposit PF funds directly into the banks and thereby reduce the time required to process PF claims.

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