Now, you can withdraw 100% of your EPFO ​​funds in single transaction, explained step by step

The minimum service period for all withdrawals has now been reduced to 12 months.

Written by: Tahir Qureshi Edited by: Tahir Qureshi

Published: October 14, 2025, 3:41 PM IST

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https://www.india.com/business/now-you-can-withdraw-100-of-your-epfo-funds-in-single-transaction-explained-step-by-step-8131579/ Copy

New Delhi: Before Diwali, the Employees’ Provident Fund Organisation (EPFO) announced significant relief for its over 70 million members. At the Central Board of Trustees meeting held on Monday, October 13, decisions were taken to simplify PF withdrawal rules and implement several new conditions. The decisions taken at this meeting, chaired by Labour Minister Mansukh Mandaviya, will now give employees greater control over their PF funds. Let us now explain how you can withdraw 100% of your PF funds in a single transaction.

Withdrawal of 100% from EPFO ​​is now possible

The EPFO ​​Board has simplified the provisions for partial withdrawals from the provident fund. Now, members will be able to withdraw up to 100% of the funds deposited in their accounts, including both employee and employer funds. Previously, there were 13 different rules for partial withdrawals, which have now been divided into three categories.

These are the provisions

Essential Needs: Employees will now be able to withdraw 100% of their EPFO ​​funds for essential needs like illness, education, and marriage.

Housing Needs: Employees will now be able to withdraw 100% of their EPFO ​​funds for home purchases, home construction, or home repairs.

Special Circumstances: Employees will be able to withdraw 100% of their EPFO ​​funds even in situations like natural disasters, lockdowns, or pandemics. Members will not need to provide a specific reason for withdrawing funds in special circumstances.

Relaxation in Withdrawal Limits and Service Period

EPFO has now increased the withdrawal limits for education and marriage to 10 times and 5 times, respectively. Previously, partial withdrawals were only allowed three times. The minimum service period for all withdrawals has now been reduced to 12 months. Furthermore, EPFO ​​has also implemented a new rule that mandates that at least 25% of the account balance will be retained by the EPFO. Its objective is to ensure that members receive the benefit of a high interest rate of 8.25 percent and their savings until retirement.

No hassle of documentation

The withdrawal process has been completely digitalised under the new EPFO ​​system. There will be no need to submit any documents, and all withdrawals can be completed online. Furthermore, the deadline for final EPF and pension withdrawals has also been changed. The final EPF withdrawal period has been extended from two months to 12 months, and the final pension withdrawal period has also been extended from two months to 36 months.

How to withdraw 100% of your funds from the EPFO?

1. To withdraw money from your PF account, you must visit the EPFO ​​website: https://unifiedportal-mem.epfindia.gov.in/memberinterface.
2. After this, you must log in by entering your UAN number and password.
3. Now go to the online service and select the Claim option.
4. After this, enter the last four digits of your bank account number, sign the certificate, and click Proceed to Online Claim.
5. Now enter the amount of money you want to withdraw.
6. After address verification and entering the OTP, submit the claim.
7. Once the claim is submitted, the money will be transferred to your account.