EPFO Update: A major relief is on the way for EPFO subscribers. Preparations for PF withdrawals through ATMs and UPI are in the final stages. The Union Minister has revealed the timeline, which will make withdrawals faster and easier for millions of employees. Learn the details.
EPFO Update: The Employees’ Provident Fund Organization (EPFO) is preparing to introduce a major feature for its millions of subscribers. In the coming days, employees will be able to withdraw money directly from their PF accounts through ATMs and UPI. This feature has been under discussion for a long time, and now the timeline for its implementation has been revealed.
Union Minister Mansukh Mandaviya provided information
Union Labor and Employment Minister Mansukh Mandaviya shared information about this plan at ABP Network’s India @2047: Entrepreneurship Conclave. He stated that the government’s focus is on making PF access easier and faster. The minister clearly stated that PF is employees’ personal earnings and there should be no unnecessary obstacles in this regard.
According to the Union Minister, this new system of PF withdrawals through ATMs and UPI could be implemented before March 2026.
How to Withdraw PF Now
Currently, to withdraw PF, employees must file a claim online or offline. This is followed by verification and then the funds are transferred to the account. In many cases, this process is delayed due to administrative and technical reasons.
What will change with the new system?
The new ATM and UPI-based withdrawal system aims to eliminate this delay. Under this system, PF accounts will be linked to employees’ bank accounts, which are already linked to Aadhaar and UAN (Universal Account Number).
After the implementation of this system, a separate PF-related feature will be added to debit cards and ATM networks. This will allow employees to directly access their PF funds.
PF withdrawals up to 75% already possible
The Union Minister also stated that under the current rules, employees can withdraw up to 75% of their PF balance. This facility is already in effect and no reason is required.
Recent Changes to EPF Withdrawal Rules
The Central Board of Trustees made several significant changes to the PF withdrawal rules in its October 2025 meeting. Now, up to 75% of the total deposit amount can be partially withdrawn. The minimum service period for advance withdrawals has been reduced to one year. A waiting period of 12 months has been fixed for complete withdrawal.
The government says these reforms will simplify access to PF funds, speed up the withdrawal process, and make the system more transparent. Employees will have greater control over their PF funds.
