EPF withdrawal rules changed: What you need to know

Business Oct 19, 2025

EPFO announced new withdrawal rules for your Provident Fund.
Instead of 13 different guidelines, there are now just three categories—essential needs, housing, and special cases.
You can dip into both your own and your employer's contributions, but you'll need to keep at least 25% of your balance untouched.

Critics say it hits low-income workers hardest

One big shift: you now have to wait 12 months of unemployment before you can withdraw your full PF amount (it used to be just two months).
Critics say this hits low-income workers hardest—most EPF members have less than ₹1 lakh saved, with half under ₹20,000.
Some also worry that easier withdrawals could drain retirement savings too soon.
The debate is on about balancing quick access with long-term security.