EPF withdrawal rules simplified; learn the complete step-by-step process here
The EPFO has simplified the rules for partial withdrawals. Withdrawing an EPF advance for housing, education, marriage, illness, or special circumstances is now much easier. Learn the entire process step-by-step.
EPFO: The Central Government has raised the EPFO salary limit from ₹15,000 to ₹25,000 per month. This change will directly impact your monthly salary and your take-home pay. Additionally, partial withdrawals from the EPFO account have become easier. If you wish to withdraw money from your EPFO account, follow this step-by-step process.
What changes have occurred in withdrawal rules due to EPFO reforms?
Reforms within the EPFO have streamlined the partial withdrawal process. Withdrawing an EPF advance for essential needs, housing, and special situations is now simpler. The rules have been eased, and the categories have been clearly defined.
Partial withdrawal rules have been divided into three categories:
Essential Needs
Marriage
Education
Illness
Housing Needs
Purchase of a house/flat/plot
Construction of a house
Repayment of a home loan
Repair, renovation, or improvement of a house/flat
Special Circumstances
Natural calamity
Lockout or closure of the establishment
Continuous unemployment
Outbreak of an epidemic, etc.
EPFO Reforms: Partial Withdrawals Made Simpler!
— EPFO (@officialepfo) September 16, 2026
Simplified rules, clearer categories, and easier access to EPF advances for essential needs, housing, and special circumstances.#EPFO #EPFOWithYou #HumHainNa #EPFAdvance pic.twitter.com/nnqC3OMwyB
Step-by-step withdrawal process
Log in to the EPFO portal
First, visit the EPFO Member Unified Portal.
Log in using your UAN, password, and captcha.
Select the claim option
Click on the 'Online Services' tab located at the top of the main screen.
Select 'CLAIM (FORM-31, 19, 10C & 10D)' from the dropdown list. Verify Bank Account Number
Your personal details will appear on the screen.
Enter the bank account number recorded in your files and click 'Verify'.
Check the 'Yes' box to agree to the terms and conditions, then click 'Proceed for Online Claim'.
Select Claim Type and Category
Under the 'I Want To Apply For' option, select 'PF ADVANCE (FORM-31)'.
Reason: You must now select a category based on the new rules.
Essential Needs: (For marriage, higher education, or illness)
Housing Needs: (For purchasing a house/plot, house construction, home loan repayment, or repairs)
Special Circumstances: (In the event of job loss, natural disaster, pandemic, or company closure)
Enter the amount you wish to withdraw.
Upload Bank Passbook/Cheque and Address Details
Enter your current address.
Upload a photo of your bank cheque or a copy of your passbook (ensure the account number, name, and IFSC code are clearly visible).
Submit using Aadhaar OTP
Check the declaration box provided below.
Click on 'Get Aadhaar OTP'.
Enter the OTP received on your mobile and click 'Validate OTP and Submit Claim Form'.
