EPF Withdrawal Rules 2025: How Much You Can Withdraw When Unemployed or in Need

Kuldeep Singh Chundawat

New Delhi – The Employees’ Provident Fund Organization (EPFO), one of the world’s largest social security institutions, allows its members to withdraw money from their EPF (Employees’ Provident Fund) account under various life circumstances—including unemployment, marriage, education, home purchase, and retirement. Understanding the rules can help members access their savings more efficiently in times of need.

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Types of EPF Withdrawals

EPFO permits three major types of withdrawals:

PF Final Settlement – Withdrawal of the entire EPF balance after retirement or prolonged unemployment.
Partial Withdrawal (Advance) – Withdrawal of part of the savings for specific reasons.
Pension Withdrawal Benefit – Withdrawal of pension contributions under the Employees’ Pension Scheme (EPS), if eligible.

EPF Withdrawal During Unemployment

Unemployed for 1 Month:
You can withdraw up to 75% of the EPF balance.
Unemployed for 2 Months or More:
You are eligible to withdraw 100% of your EPF amount, including the employer and employee contributions.

Note: Pension contributions under EPS can only be withdrawn if the total service is less than 10 years.

EPF Withdrawal for Specific Needs

✅ Education (Self or Children)

Withdraw up to 50% of the total employee contribution.
Applicable for post-Class 10 education.

✅ Marriage (Self, Children, or Siblings)

Withdraw up to 50% of the EPF balance.
Can be used for up to three times in a lifetime for marriage-related expenses.

✅ To Buy or Build a House

Up to 90% of the EPF corpus can be withdrawn.
Purpose: Purchase or construction of a house in the member’s or spouse’s name.

✅ For House Repairs (House must be 5 years old)

Members can take an advance under Para 68B(7) with only a self-declaration—no approval required.

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EPF Rules on Job Change

If you switch jobs, you don’t need to withdraw your EPF.
Instead, the balance can be transferred to the new employer via your Universal Account Number (UAN), which stays active throughout your career.

EPF Withdrawal After Retirement

On retirement at age 58, members can claim final settlement of their PF.
If they have worked for 10 years or more, they are also eligible for monthly pension under EPS.

How to Withdraw EPF

EPF withdrawals can be made both online and offline:

🔹 Online Mode

Visit the official EPFO website: https://www.epfindia.gov.in
Log in with your UAN and OTP-authenticated Aadhaar
Submit the Composite Claim Form (Aadhaar) for online processing

🔹 Offline Mode

Submit the Composite Claim Form (Non-Aadhaar) at your EPFO regional office
Include necessary documents and bank account details

Final Word

Knowing your EPF withdrawal rights can help you plan for financial needs without disrupting long-term savings. Whether it’s for education, unemployment, marriage, or retirement, EPF offers flexible solutions—but it’s wise to withdraw only when necessary, to preserve your retirement corpus.

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Author Profile

Kuldeep Singh Chundawat: My name is Kuldeep Singh Chundawat. I am an experienced content writer with several years of expertise in the field. Currently, I contribute to Daily Kiran, creating engaging and informative content across a variety of categories including technology, health, travel, education, and automobiles. My goal is to deliver accurate, insightful, and captivating information through my words to help readers stay informed and empowered.