No more hassle withdrawing your PF! Get your money instantly via ATM and UPI.

EPF Withdrawal: EPFO ​​is now making it easier to withdraw PF through ATMs and UPI. By March 2026, up to 75% of your PF will be transferred instantly to your bank account. Learn when this facility will be available, how the PF Withdrawal Card will work, and how easy it will be to withdraw using UPI.

EPF Withdrawal: There's great news for salaried employees. The Employees' Provident Fund Organisation (EPFO) is going to make a major change to its system. In the future, you won't have to wait long or visit offices repeatedly to withdraw your PF money. Under EPFO ​​3.0, the government is preparing to introduce a facility that will allow employees to withdraw their PF directly through ATMs and UPI.

When will this facility be available?

According to Union Labour Minister Mansukh Mandaviya, this new EPFO ​​facility could be implemented before March 2026. This means that within the next year, the PF system will become completely digital and faster. This change aims to ensure that employees do not face any difficulties in accessing their own money and that the time taken for claim settlement is significantly reduced.

What is a PF Withdrawal Card, and how will it work?

Under the new system, EPFO ​​may issue a special PF Withdrawal Card to its members, which will be similar to an ATM card. This card will be directly linked to your PF account. When you use this card at a designated ATM, you can withdraw money up to a certain limit by entering your PIN or OTP. The money will be transferred directly to your bank account, eliminating the hassle of cash or checks.

How easy will it be to withdraw PF using UPI?

The facility to withdraw PF using UPI could prove to be the biggest change for people. Just like you transfer money today using PhonePe, Google Pay, or BHIM, PF money can be sent directly to your bank account from the EPFO ​​portal or UPI app. After OTP or biometric verification, the money will be credited to your account within minutes.

Will the entire PF amount be withdrawable? Considering retirement security, the government cannot currently allow the withdrawal of the entire PF (Provident Fund) amount. It is believed that a maximum of 75% of the amount can be withdrawn, while the remaining money will remain secure for the future and will continue to earn interest. For this, it is necessary for the UAN (Universal Account Number) to be active and for KYC (Know Your Customer) verification to be complete.

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