EPFO to let you withdraw PF via UPI and ATMs by April 2026
Big update for anyone with a Provident Fund: EPFO will soon let you take out your money directly using UPI or at select ATMs—with reduced waiting times and less paperwork.
You'll be able to instantly access up to 75% of your EPF balance, subject to eligibility rules, helping around eight crore members.
Instant withdrawals, 0 hassle
Trials have been conducted, but software glitches are being addressed.
That means some forms may no longer be required and certain employer approvals may be relaxed—once rolled out, you may be able to use UPI or designated ATMs to transfer money to your bank account.
Easier rules and bigger limits
EPFO has also ditched the maze of old withdrawal rules for one simple policy covering essentials, housing, and emergencies.
Most claims now settle automatically (over 72% get cleared right away), and you can withdraw up to ₹5 lakh.
Plus, there's flexibility: up to five withdrawals for weddings and 10 for education during your career.