What conditions in which you can withdraw EPF

The Provident Provident (EPF) fund is a saving program based on contributions in which employers and employees combine their money to cover expenditure after retirement. Organization of the Provident Provident (EPFO) fund regulates this program, aimed at providing employees with financial stability.

EPF is an investment plan designed for retirement and should be avoided, except for the emergency. Understanding EPF payments in the event of a medical failure, a housing loan, a pension, marriage and other circumstances.

EPF Rules and conditions of withdrawal 2025

Employment status

A person cannot withdraw from partial or ending PF AMOUNAs long as he or she is employed.

Unemployment

You can withdraw 75% of the amount if they are unemployed for at least one month. They can access the entire balance if they were unemployed for a period of two months or longer.

Premature withdrawal

Everyone Payments of the Supply Fund Made within five years of creating the account, they are subject to taxes. However, there will be no loaded TDS if you remove less than 50,000.

TDS will be charged if you withdraw by more than 50,000 ₹ within five years after creating an EPF account. The fee will be 10%if you present the PAN card and 30%if you don’t.

Full withdrawal

People can withdraw the set PF The amount, if they were unemployed for over two months or if the new job starts over two months after leaving the previous employer.

Changes in work

You do not have to immediately send the previous PF balance to a new account after changing the tasks. The transfer procedure may start after activating the universal account number (UAN) and submitted documents submitted.

PF withdrawal after retiring

Pursuant to the EPF Act, a member must apply for his final claim when he retires at the age of 58. He also qualifies up to the EPS amount if the member still serves over ten years.

The member may withdraw the entire EPS amount with EPF if he has not reached 10 years at the time of retirement. After retiring, the body accumulated on the EPF can be withdrawn completely without tax.

PF withdrawal in the case of repayment of a housing loan

EPF members can use the money collected in their account to help their housing needs after three years of account opening. EPF members may ask for a withdrawal of up to 90% of the accumulated body to build a new home, pay EMI or advance payment for a housing loan. This is done in accordance with the 68-BD paragraph in the EPF program, 1952.