The Central Board of Trustees (CBT) has significantly changed the rules for subscribers related to withdrawal limits, maintaining the EPF minimum balance, the requirement of minimum service years for partial withdrawal of corpus and pension, etc.&nbsp;The board has made it mandatory&nbsp;for EPF holders to maintain at least 25 per cent of their contributions in the EPF account. This minimum balance has to be maintained at all times. The step has been taken to ensure that members enjoy the high rate of interest.&nbsp;Is this 25 per cent rule absolute? The EPF balance rule applies to most situations.&nbsp;According to the new rules of EPFO, employees who have lost their jobs can withdraw their full PF amount only after 12 months of unemployment. Earlier, this requirement was two months.&nbsp;“It is also decided to change the period for availing premature final settlement of EPF from the existing 2 months to 12 months and final pension withdrawal from 2 months to 36 months,” the EPFO said in a statement.&nbsp;EPFO said that the decision was taken as it has liberalised partial withdrawals so that members can meet immediate financial needs without compromising their entire savings.&nbsp;After one year of unemployment, members can withdraw the full PF amount. As of now, they can take out 75 per cent of the corpus. However, they won't be allowed to withdraw the remaining 25 per cent.<h2>How to Withdraw PF Online</h2><h3>Here's the step-by-step process based on current guidelines:</h3> 1. Log in to EPFO Member Portal: Visit the EPFO portal, enter your UAN, password, and captcha. 2. Online Services: Click on ‘Online Services’ → ‘Claim (Form-31, 19, 10C &amp; 10D)’. 3. Select Form: Choose Form 19 (full withdrawal), Form 31 (partial advance), or Form 10C (pension). 4. Verify Details: Ensure KYC (Aadhaar, PAN, bank) is updated. 5. Bank Details: Enter and verify the bank account linked to UAN. 6. Purpose &amp; Amount: For partial withdrawal (Form 31), select purpose (Essential Needs, Housing, Special Circumstances). 7. Aadhaar OTP: Authenticate via OTP sent to registered mobile. 8. Submit Claim: Claim processed typically within 3-15 working days with updated KYC.



EPFO said that the decision was taken as it has liberalised partial withdrawals so that members can meet immediate financial needs without compromising their entire savings.

The Central Board of Trustees (CBT) has significantly changed the rules for subscribers related to withdrawal limits, maintaining the EPF minimum balance, the requirement of minimum service years for partial withdrawal of corpus and pension, etc. The board has made it mandatory for EPF holders to maintain at least 25 per cent of their contributions in the EPF account. This minimum balance has to be maintained at all times. The step has been taken to ensure that members enjoy the high rate of interest. Is this 25 per cent rule absolute? The EPF balance rule applies to most situations. According to the new rules of EPFO, employees who have lost their jobs can withdraw their full PF amount only after 12 months of unemployment. Earlier, this requirement was two months. “It is also decided to change the period for availing premature final settlement of EPF from the existing 2 months to 12 months and final pension withdrawal from 2 months to 36 months,” the EPFO said in a statement. EPFO said that the decision was taken as it has liberalised partial withdrawals so that members can meet immediate financial needs without compromising their entire savings. After one year of unemployment, members can withdraw the full PF amount. As of now, they can take out 75 per cent of the corpus. However, they won't be allowed to withdraw the remaining 25 per cent. How to Withdraw PF Online Here's the step-by-step process based on current guidelines: 1. Log in to EPFO Member Portal: Visit the EPFO portal, enter your UAN, password, and captcha. 2. Online Services: Click on ‘Online Services’ → ‘Claim (Form-31, 19, 10C & 10D)’. 3. Select Form: Choose Form 19 (full withdrawal), Form 31 (partial advance), or Form 10C (pension). 4. Verify Details: Ensure KYC (Aadhaar, PAN, bank) is updated. 5. Bank Details: Enter and verify the bank account linked to UAN. 6. Purpose & Amount: For partial withdrawal (Form 31), select purpose (Essential Needs, Housing, Special Circumstances). 7. Aadhaar OTP: Authenticate via OTP sent to registered mobile. 8. Submit Claim: Claim processed typically within 3-15 working days with updated KYC.

New EPFO rules: The board has made it mandatory&nbsp;for EPF holders to maintain at least 25 per cent of their contributions in the EPF account.&nbsp;

EPFO New Rules: How much PF can you withdraw during unemployment?

The Employees’ Provident Fund Organisation (EPFO) has proposed to change the rules as to the withdrawal of their corpus by members. The decision was taken at the 238th meeting of the Central Board of Trustees (CBT). These new rules have ensured that members can now withdraw their full corpus, subject to certain rules.<h2>Here's what has changed</h2>As of now, EPFO used to permit full PF withdrawals&nbsp;only in the cases of retirement or unemployment. Unemployed members were eligible to withdraw 75 per cent of their balance. They could withdraw the remaining 25 per cent after two months of unemployment. Partial withdrawal was also permitted for specific purposes like buying property or constructing houses.&nbsp;Earlier, partial withdrawals were allowed for 13 complicated conditions. Now they have been clubbed into three broad categories -- essential needs, housing needs, and special circumstances.Now members can withdraw money for education up to 10 times, for marriage up to 5 times. Earlier, members were permitted only three times for both purposes.&nbsp;There were several minimum service ceilings&nbsp;for partial withdrawal. Now, the minimum service ceiling&nbsp;for all types of withdrawal has been brought down to 12 months.&nbsp;One can withdraw from their corpus under the special circumstances category without assigning any reasons.&nbsp;Partial withdrawals will now be settled automatically with no paperwork.<h2>EPFO's performance&nbsp;</h2>Employees' Provident Fund Organisation (EPFO) recorded an addition of 21.04 lakh net members during July 2025.&nbsp;The year-on-year analysis reveals a growth of 5.55 per cent in net payroll additions compared to July 2024, signifying increased employment opportunities and heightened awareness of employee benefits, bolstered by EPFO's effective outreach initiatives.&nbsp;EPFO enrolled around 9.79 lakh new subscribers in July 2025. This addition in new subscribers can be attributed to growing employment opportunities, increased awareness of employee benefits, and EPFO's successful outreach programs.

Employees’ Provident Fund Organisation announces new rules: Earlier, partial withdrawals were allowed for 13 complicated conditions. Now they have been clubbed into three broad categories -- essential needs, housing needs, and special circumstances.

The Employees’ Provident Fund Organisation (EPFO) has proposed to change the rules as to the withdrawal of their corpus by members. The decision was taken at the 238th meeting of the Central Board of Trustees (CBT). These new rules have ensured that members can now withdraw their full corpus, subject to certain rules. Here's what has changed As of now, EPFO used to permit full PF withdrawals only in the cases of retirement or unemployment. Unemployed members were eligible to withdraw 75 per cent of their balance. They could withdraw the remaining 25 per cent after two months of unemployment. Partial withdrawal was also permitted for specific purposes like buying property or constructing houses. Earlier, partial withdrawals were allowed for 13 complicated conditions. Now they have been clubbed into three broad categories -- essential needs, housing needs, and special circumstances. Now members can withdraw money for education up to 10 times, for marriage up to 5 times. Earlier, members were permitted only three times for both purposes. There were several minimum service ceilings for partial withdrawal. Now, the minimum service ceiling for all types of withdrawal has been brought down to 12 months. One can withdraw from their corpus under the special circumstances category without assigning any reasons. Partial withdrawals will now be settled automatically with no paperwork. EPFO's performance Employees' Provident Fund Organisation (EPFO) recorded an addition of 21.04 lakh net members during July 2025. The year-on-year analysis reveals a growth of 5.55 per cent in net payroll additions compared to July 2024, signifying increased employment opportunities and heightened awareness of employee benefits, bolstered by EPFO's effective outreach initiatives. EPFO enrolled around 9.79 lakh new subscribers in July 2025. This addition in new subscribers can be attributed to growing employment opportunities, increased awareness of employee benefits, and EPFO's successful outreach programs.

Employees’ Provident Fund Organisation announces new rules: Earlier, partial withdrawals were allowed for 13 complicated conditions. Now they have been clubbed into three broad categories -- essential needs, housing needs, and special circumstances.

What are the new Employees’ Provident Fund Organisation withdrawal rules?

Retirement fund body EPFO on Saturday fixed a three-year-high interest rate of 8.25 per cent on employees' provident fund (EPF) deposits for 2023-24.

In March 2023, the Employees' Provident Fund Organisation (EPFO) had increased the interest rate on EPF marginally to 8.15 per cent for 2022-23 from 8.10 per cent in 2021-22.

In March 2022, EPFO had lowered the interest on EPF for 2021-22 to an over four-decade low of 8.1 per cent for its over six crore subscribers, from 8.5 per cent in 2020-21. This was the lowest since 1977-78, when the EPF interest rate stood at 8 per cent.

"The EPFO's apex decision-making body Central Board of Trustees (CBT) has decided to provide 8.25 per cent rate of interest on EPF for 2023-24 at its meeting on Saturday,” a source said.

The 8.5 per cent interest rate on EPF deposits for 2020-21 was decided by CBT in March 2021. 
 
After the CBT's decision, the interest rate on EPF deposits for 2023-24 will be sent to the Ministry of Finance for concurrence.

After the government's ratification, the interest rate on EPF for 2023-24 will be credited into accounts of over six crore subscribers of EPFO.

EPFO provides the rate of interest only after it is ratified by the government through the finance ministry.

In March 2020, EPFO had lowered the interest rate on provident fund deposits to a seven-year low of 8.5 per cent for 2019-20, from 8.65 per cent provided for 2018-19.

EPFO had provided 8.65 per cent interest rate to its subscribers in 2016-17 and 8.55 per cent in 2017-18. The rate of interest was slightly higher at 8.8 per cent in 2015-16.

The retirement fund body had given 8.75 per cent rate of interest in 2013-14 as well as 2014-15, higher than 8.5 per cent for 2012-13. The rate of interest was 8.25 per cent in 2011-12.

Retirement fund body EPFO on Saturday fixed a three-year-high interest rate of 8.25 per cent on employees' provident fund (EPF) deposits for 2023-24. In March 2023, the Employees' Provident Fund Organisation (EPFO) had increased the interest rate on EPF marginally to 8.

Retirement fund body EPFO on Saturday fixed a three-year-high interest rate of 8.25 per cent on employees' provident fund (EPF) deposits for 2023-24. In March 2023, the Employees' Provident Fund Organisation (EPFO) had increased the interest rate on EPF marginally to 8.15 per cent for 2022-23 from 8.10 per cent in 2021-22. In March 2022, EPFO had lowered the interest on EPF for 2021-22 to an over four-decade low of 8.1 per cent for its over six crore subscribers, from 8.5 per cent in 2020-21. This was the lowest since 1977-78, when the EPF interest rate stood at 8 per cent. "The EPFO's apex decision-making body Central Board of Trustees (CBT) has decided to provide 8.25 per cent rate of interest on EPF for 2023-24 at its meeting on Saturday,” a source said. The 8.5 per cent interest rate on EPF deposits for 2020-21 was decided by CBT in March 2021. After the CBT's decision, the interest rate on EPF deposits for 2023-24 will be sent to the Ministry of Finance for concurrence. After the government's ratification, the interest rate on EPF for 2023-24 will be credited into accounts of over six crore subscribers of EPFO. EPFO provides the rate of interest only after it is ratified by the government through the finance ministry. In March 2020, EPFO had lowered the interest rate on provident fund deposits to a seven-year low of 8.5 per cent for 2019-20, from 8.65 per cent provided for 2018-19. EPFO had provided 8.65 per cent interest rate to its subscribers in 2016-17 and 8.55 per cent in 2017-18. The rate of interest was slightly higher at 8.8 per cent in 2015-16. The retirement fund body had given 8.75 per cent rate of interest in 2013-14 as well as 2014-15, higher than 8.5 per cent for 2012-13. The rate of interest was 8.25 per cent in 2011-12.

India: EPFO fixes 8.25 per cent interest rate on employees' provident fund for 2023-24