EPFO 2026 Rules: PF Withdrawal Norms for Home Purchases

The Employees' Provident Fund Organisation (EPFO) allows members to withdraw a portion of their PF corpus for house purchases, construction, or home loan repayments.

To withdraw for a house purchase, you need at least 3 years of service and can withdraw up to 90% of your total EPF corpus.

For home loan repayments, the minimum service years range from 3 to 10, and you can withdraw up to 90% of your total PF balance, capped at the outstanding loan amount.

For land purchases, you need at least 5 years of service and can withdraw up to 24 months of basic salary plus DA, restricted to the actual cost of the plot.

Withdrawing PF for these purposes can impact your retirement savings, so it's important to consider the long-term financial implications.