EPF Withdrawal Rules

EPF Withdrawal Rules

EPF Withdrawal Rules

Employees’ Provident Fund (EPF) is an investment fund which is made over the long term on the contributions by the workers, employer as well as the government, in few of the cases. It is the social security program overseen by the government to give a safety net to individuals on their retirement. The amount contributed throughout the years, alongside with specified interest, is paid out to a worker on retirement. Nonetheless, there are different EPF withdrawals rules that one needs to adhere to so as to make withdrawals from the PF account.

EPF in India is regulated by a statutory body called the Employees’ Provident Fund Organisation (EPFO). Employees’ Provident Fund Organisation (EPFO), the retirement fund body enables subscribers of withdrawing money from the Employees’ Provident Fund for specific purposes. Partial withdrawal is allowed for marriage, education, purchase or construction of a house, purchase of land, home renovation, repayment of home loans and 12 months before retirement.


An EPFO member could withdraw up to 50% of the cash from the EPF account their own marriage, the marriage of their children or siblings. In any case, the individual must have completed a contribution to EPF for 7 years.


EPFO members could withdraw cash for the post-matriculation education of their children’s under specific conditions. The member is required to have completed 7 years' membership of the EPFO.

Purchase or construction of a house

EPFO members could withdraw cash for construction of home or purchase for the site of the home. The member is required to have completed 5 years' membership of the EPFO.

Home Renovation

The member could withdraw partially from PF when they want to repair or alter the residence. It could be availed two times:

•5 years from completion of the house

•10 years from availing the above

Click here to know more about "EPF Deduction"

Medical purposes

PF money could be partially drawn for medicinal purposes. It is applicable for medicinal treatments of self, partner, children, and guardians. There is no lock-in period or minimum service period for this type of withdrawal.

Repayment of home loans

The EPF subscriber is permitted to withdraw from the corpus for repayment of outstanding principal as well as interest towards a home loan under specific conditions.

Though, towards withdrawing the amount, at least 10 years of service completion is necessary


An individual could withdraw their entire provident fund corpus after completing 58 years of age. The worker is permitted to withdraw up to 90% of the provident fund balance.

Procedure towards withdrawing the Employees’ Provident Fund (EPF)

The procedure of withdrawing Employees’ Provident Fund was made quick and simple. It could be done in two different ways

Submission of a physical application for withdrawal

Towards applying for such withdrawal online, the subscriber should have an active UAN (Universal Account Number) and the mobile number utilized for activating the UAN number must be in working condition

Submission of an online application

Single Page Composite Claim Form was introduced by EPFO towards replacing multiple claim forms like Form 19, Form 10C, Form 31 and so on. These claim forms are accepted as well as processed on a self-attestation basis without the requirement for attestation through the company.


eStartIndia Team

Leave a Comment

Previous Comments

Related Blogs