General Conditions:
Employment Status: You cannot withdraw PF funds while still employed.
Unemployment:
If unemployed for more than 1 month: You can withdraw up to 75% of your PF balance.
If unemployed for more than 2 months: You can withdraw the remaining 25% of your balance.
Specific Withdrawal Conditions (Partial Withdrawals):
Medical Expenses:
For self, spouse, children, or parents.
Withdraw up to 6 times your monthly basic salary or the total employee’s share plus interest, whichever is lower.
Marriage:
Up to 50% of your employee’s share of contribution to EPF.
For your marriage, son/daughter’s marriage, or sibling’s marriage.
Education:
Up to 50% of your employee’s share of contribution to EPF.
For your higher education or your children’s education after class 10.
Home Loan Repayment:
Up to 36 times your monthly basic salary plus dearness allowance.
The property must be registered in your name or jointly with your spouse.
House Construction/Purchase:
Up to 36 times your monthly basic salary plus dearness allowance (for construction).
Up to 24 times your monthly basic salary plus dearness allowance (for land purchase).
The property must be registered in your name or jointly with your spouse.
Important Notes:
Age: You can withdraw up to 90% of your accumulated balance after reaching 54 years of age.
Tax Implications:
Withdrawals within 5 years of account opening may be taxable.
Tax Deducted at Source (TDS) may apply if you withdraw more than Rs. 50,000 within 5 years.
Documentation: You will need to provide necessary documents (UAN, KYC, bank details, etc.) to support your withdrawal claim.
Disclaimer: This information is for general guidance only. Please refer to the official EPFO rules and regulations for the most accurate and up-to-date information.Table Of Contents
Employment Status: You cannot withdraw PF funds while still employed.
Unemployment:
If unemployed for more than 1 month: You can withdraw up to 75% of your PF balance.
If unemployed for more than 2 months: You can withdraw the remaining 25% of your balance.
Specific Withdrawal Conditions (Partial Withdrawals):
Medical Expenses:
For self, spouse, children, or parents.
Withdraw up to 6 times your monthly basic salary or the total employee’s share plus interest, whichever is lower.
Marriage:
Up to 50% of your employee’s share of contribution to EPF.
For your marriage, son/daughter’s marriage, or sibling’s marriage.
Education:
Up to 50% of your employee’s share of contribution to EPF.
For your higher education or your children’s education after class 10.
Home Loan Repayment:
Up to 36 times your monthly basic salary plus dearness allowance.
The property must be registered in your name or jointly with your spouse.
House Construction/Purchase:
Up to 36 times your monthly basic salary plus dearness allowance (for construction).
Up to 24 times your monthly basic salary plus dearness allowance (for land purchase).
The property must be registered in your name or jointly with your spouse.
Important Notes:
Age: You can withdraw up to 90% of your accumulated balance after reaching 54 years of age.
Tax Implications:
Withdrawals within 5 years of account opening may be taxable.
Tax Deducted at Source (TDS) may apply if you withdraw more than Rs. 50,000 within 5 years.
Documentation: You will need to provide necessary documents (UAN, KYC, bank details, etc.) to support your withdrawal claim.
Disclaimer: This information is for general guidance only. Please refer to the official EPFO rules and regulations for the most accurate and up-to-date information.Table Of Contents
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