EPF Advance Rules 2025: When can you withdraw money from your PF account during your job? Know the new rules

– Advertisement –

EPF Advance Rules 2025: Employees’ Provident Fund (EPF) is one of the most popular retirement saving schemes in the country. In this, the employee contributes 12% of his basic salary and DA, and the employer also contributes the same amount. Every year, interest is also fixed by EPFO ​​on this amount.

– Advertisement –

Usually EPF money is withdrawn in lump sum at the time of retirement, but for some needs, the facility of partial withdrawal or advance (EPF Advance) is also given during the job.

1. PF advance for marriage

If you want to withdraw money from PF for your, your children or siblings’ marriage, then at least 7 years of membership and a minimum balance of ₹ 1,000 in the account is required. You can withdraw a maximum of 50% of your contribution (including interest). This facility can be availed a maximum of 3 times. (Paragraph 68K of EPF Scheme 1952)

2. PF withdrawal for education

Money can be withdrawn from EPF for children’s education after 12th. Like marriage, there is a minimum membership of 7 years and a maximum withdrawal limit of 3 times. You can withdraw a maximum of 50% of your contribution (including interest). (Para 68K)

3. EPF advance for buying/constructing a house

If you want to buy or construct land or a house, then you should have completed at least 5 years of becoming an EPF member. The house/land should be in your, your wife’s or joint name and should be legally registered.

To buy land: 24 months basic salary + DA or total deposit (employee + employer share including interest) or total cost – whichever is less.

To buy or construct a house: 36 months basic salary + DA or total deposit or total cost – whichever is less. (Para 68B)

4. Withdrawal for house repairs

You can take PF advance for house repairs after 5 years of construction of the house and again after 10 years. This facility is available twice.

5. Withdrawal from PF for treatment

The rules for withdrawal for treatment are very simple. There is no minimum service period, and you can withdraw anytime. You can withdraw a maximum of 6 months basic salary + DA or your EPF balance – whichever is less – for treatment. This facility can be availed as many times as needed. (Para 68J)

6. Withdrawal one year before retirement

If you have turned 54 or are 1 year away from retirement, you can withdraw up to 90% of EPF. This facility is available only once. (Para 68NN)

7. PF Advance for Disability

Physically disabled employees can withdraw 6 months of basic salary + DA, or employee’s share (including interest), or cost of equipment – ​​whichever is less. This withdrawal can be done once every 3 years. (Para 68N)

8. PF withdrawal in case of unemployment

If a company is locked down for more than 15 days and employees are not getting salary, then that employee can withdraw his share (including interest). Similarly, if salary is not received for two consecutive months (excluding strike), then also withdrawal can be done. (Para 68H)

9. Withdrawal for Senior Pension Insurance Scheme (VPBY)

After completing the age of 55 years, EPF members can withdraw up to 90% of the money from their account and invest it in Senior Pension Insurance Scheme. (Para 68NNN)

10. PF advance in case of power cut

If there is no electricity for a long time, EPF members can withdraw 1 month’s salary, ₹300, or their share of contribution – whichever is less. For this, EPF Form 31 has to be filled.

11. Withdrawal to repay home loan

If you have taken a loan to buy, build or repair a house, and have completed 10 years of EPF membership, you can withdraw money from EPF to repay the loan. You can withdraw a maximum of 36 months basic salary + DA, or EPF total contribution (employee + employer) with interest, or outstanding loan amount – whichever is less. (Para 68BB)

12. PF advance in case of dismissal

If an employee has been fired and is fighting a case in court, then that employee can withdraw up to 50% of his EPF. (Para 68HH)
In such a situation, to take advantage of all these rules, it is necessary that your KYC details are updated on the EPFO ​​​​portal. Keep an eye on the EPFO ​​​​website and UMANG app to know the latest updates and processes related to EPF.

– Advertisement –