Top News

Need to withdraw money from your PF account? Find out how often you can get an advance.
Siddhi Jain | September 10, 2026 11:15 PM CST

The EPFO ​​has relaxed the rules for PF advances. Specific eligibility criteria and limits have now been set for withdrawals related to needs such as education, illness, marriage, and housing. The EPFO ​​shared this information via a social media post.

If you are employed and hold a PF account, this information is important for you. The Employees' Provident Fund Organisation (EPFO) has simplified the rules regarding PF advances compared to the past, ensuring members face no difficulty in using their PF funds for urgent expenses. Under these new rules, you can withdraw advances for needs like education, illness, marriage, and housing. However, fulfilling certain mandatory conditions is essential for the withdrawal. Let us understand when, how much, and how often an advance can be withdrawn from a PF account.

What are the rules for withdrawing a PF advance?

The EPFO ​​shared details regarding PF advance rules in a post on its official platform, X. According to the EPFO ​​post, an employee becomes eligible to withdraw an advance after completing 12 months of EPF membership.


You can withdraw an advance of up to 75% of the total PF balance, which comprises the contributions deposited by both the employee and the employer along with the accrued interest. In other words, if you have completed 12 months of EPF membership, you can apply for a PF advance subject to the prescribed conditions.

For which needs can you withdraw money from your PF?

Illness: You can take a PF advance for your own medical treatment or that of a family member.
Education: Money can be withdrawn for your own education or that of family members.
Marriage: An advance can be taken for your own marriage or the marriage of a family member.
Housing-related needs: You can take a PF advance to buy a house or flat, construct a home, repay a home loan, or for home renovation and improvements.
Special circumstances: Advances can also be withdrawn under specific circumstances determined by the EPFO ​​or the Central Board of Trustees.

For what purposes and how often can PF be withdrawn?

Illness: No fixed limit for self or family.
Education: Maximum of 10 times during the membership period.
Marriage: Maximum of 5 times during the membership period.
Housing-related needs: Maximum of 5 times during the membership period for purchase, construction, loan repayment, or renovation.
Special circumstances: Maximum of 2 times in a financial year.

READ NEXT
Cancel OK