EPF Withdrawal Rules 2025: EPFO has issued new rules for its subscribers. Now you can withdraw money from PF multiple times for education, marriage and medical needs. However, experts have also alerted about one rule.
PF Withdrawal New Rules: Keeping in mind the needs of the employees, the Employees’ Provident Fund Organization (EPFO) has issued new EPF Withdrawal Rules 2025 (EPF Withdrawal Rules 2025). Now members can withdraw money from their EPF account for education, marriage, medical, construction of house or in any special situation. These new rules will provide relief to lakhs of employees, but there are some changes on which experts have expressed concern. Let us know in details…
Can I withdraw PF to build or buy a house?
The purpose of EPF is not just for retirement savings, but also to help you in your time of need. If you want to buy or build a house, you can now withdraw money from your EPF account. This facility is provided under Housing Needs and is applicable when the member has completed at least 5 years of service.
How many times will you be able to withdraw PF money for studies?
The biggest change is related to education. EPFO has now decided that you can withdraw money up to 10 times for the education of your children or yourself. Earlier this facility was limited, but now you can make partial withdrawal at every education level like college, post-graduation or professional course.
How many times can PF money be withdrawn for marriage?
EPF has also given relief for marriage. Now you can withdraw money up to 5 times for your or your children’s marriage. Earlier it was limited to only 3 times. This change will provide great convenience to the employees, especially those who have more family responsibilities.
When can you withdraw PF money for medical?
Medical emergencies can occur at any time, and at such times the need for money is greatest. According to the new rules, now members can withdraw money 3 times for medical needs and 2 times for special circumstances (like sudden unemployment, natural disaster) in a financial year. This change has been made after understanding the actual needs of the employees.
Experts warned about which rule of PF withdrawal?
EPFO’s Central Board of Trustees (CBT) has given the facility of withdrawal of up to 100% from the PF account but there is a condition that at least 25% of the amount will have to be kept in the account, that is, you will be able to withdraw only 75% of the amount. Experts say that this change will provide short-term relief to the employees, but is against the real purpose of EPF. The purpose of EPF is financial security after retirement, not to exhaust the fund in the middle of career.
Why is EPF fund important?
EPF is the security cover of your lifelong earnings. This becomes a source of regular income for you after retirement, when both your job and salary end. If you keep withdrawing money again and again, then in future you will neither have interest income nor will you be able to save your retirement fund.
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