Archive · 17 Dec 2025
EPFO Announces Major PF Withdrawal Reforms
The Employees’ Provident Fund Organisation (EPFO) in India is making big changes to how people can take out their provident fund (PF) money.
Soon, you'll be able to withdraw your PF using ATMs and UPI by March 2026.
Right now, you can already take out 75% of your PF money right away.
The government is also making it easier to understand the rules.
Before, there were many different rules for different reasons, but now there's one simple rule: you need to have worked for at least one year to withdraw money.
If you lose your job, you can take out 75% of your PF immediately and the rest after one year.
These changes are meant to make it simpler and faster for people to get their money when they need it.
EPFO will allow PF withdrawals via ATM and UPI by March 2026.
Current immediate withdrawal allows 75% of the PF balance.
Reforms in October 2025 merged 13 withdrawal categories into a unified framework.
Uniform eligibility period of 12 months for all EPF withdrawals.
Unemployed members can withdraw 75% of their PF balance immediately and the remaining 25% after one year.
- Who
- Employees’ Provident Fund Organisation (EPFO) subscribers
- What
- New withdrawal methods via ATM and UPI by March 2026
- When
- Implementation by March 2026, reforms effective October 2025
- Where
- India
- Why
- To simplify the withdrawal process and provide easier access to funds
- Announced By
- Union Labour Minister Mansukh Mandaviya
- New Withdrawal Methods
- ATM and UPI
- Implementation Deadline
- March 2026
- Current Immediate Withdrawal
- 75% of PF balance
- Reforms Effective Date
- October 2025
- Unified Withdrawal Framework
- 13 categories merged into one
- Uniform Eligibility Period
- 12 months for all withdrawals
- Unemployment Withdrawal
- 75% immediately, 25% after one year
Sources
1.22 Lakh Central Government Employees Elect Unified Pension Scheme, One-Time Switch Back To NPS Allowed
PM Internship Scheme Sees Lower Take-Up
Big EPFO changes: Withdraw PF via ATM & UPI by March 2026, says labour minister
NPS withdrawal rules changed: 100% exit allowed in some cases; 80% lump sum for corpus above Rs 12 lakh
NPS exit rules changed: Non govt subscribers can now withdraw up to 80% of retirement corpus
Major changes for the system as non-government subscribers can withdraw up to 80%