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  • PF withdrawal: How much can you withdraw and what are the rules?

PF withdrawal: How much can you withdraw and what are the rules?

The money deposited in the Provident Fund account is useful when there is an urgent need for money. However, EPFO has created some rules for withdrawing PF money. According to that, find out in this collection when and how much money can be withdrawn from the Employees' Provident Fund account.

Ajay Joseph | Published : Mar 19 2025, 12:24 PM
2 Min read
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Are you working in a company or factory? If a portion of your income is deposited into your PF account, that money will be useful during times of financial crisis. The Employees' Provident Fund Organisation (EPFO) makes all the rules regarding PF accounts. Accordingly, you can find out in this collection when and how much money you can withdraw from your PF account.

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EPFO has created rules regarding what percentage of his PF amount an employee can take for how many days, and what factors are involved in this.

Money is allowed to be withdrawn based on different reasons like unemployment, demonetization, and retirement.

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EPFO withdrawal

EPFO withdrawal

Unemployment

If an employee has been out of work for more than a month for any reason, he can withdraw 75 percent of the amount from his PF account.

If the company is closed for 6 months

If the company an employee works for is closed for 6 months, there is a chance to withdraw the entire amount deposited in the PF account. But when the company or factory restarts, the employee has to repay the amount taken from PF along with his salary in 36 installments.

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EPFO rules

EPFO rules

Dismissal

If a person working in a company is suddenly dismissed from work, he also has the opportunity to withdraw money from PF. In this situation, the employee can withdraw up to 50 percent of the money from the PF account.

In case of emergency

In case of emergency, if the company has to be closed for 15 days, the employee can withdraw up to 100 percent of the amount deposited in his PF account.

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EPFO pension

EPFO pension

Pension scheme

After retirement, EPFO ​​offers employees the option to withdraw money from PF in two ways. The first option is that the employee can withdraw the entire PF amount at once after retirement. Apart from this, EPS can also be received as pension amount. That is, an amount will be received as pension every month from the PF account.

Ajay Joseph
About the Author
Ajay Joseph
With over eight years of journalistic experience, Ajay Joseph Raj. P has been a dedicated member of the Asianet Newsable team, where he serves as the Chief Copy Editor. His expertise spans Business, Career, Stock Market, National, International, and viral/trending topics, with a knack for crafting compelling narratives that connect with diverse audiences. Before joining Asianet Newsable, Ajay honed his skills at OneIndia News and Opoyi English, gaining extensive experience in delivering impactful stories across various beats. Read More...
Employees' Provident Fund Organisation
 
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