Business Desk

02 December 2025, 10:39 AM IST

The Employees’ Provident Fund Organisation (EPFO) has updated its withdrawal rules, allowing members to take out up to 100 per cent of their PF balance for specific purposes

EPFO rules for PF withdrawal: How much you can withdraw for marriage and the process

The Employees’ Provident Fund Organisation has revised its withdrawal rules, expanding access to PF savings for purposes such as illness, education, marriage and housing. Under the updated guidelines, members can withdraw up to 100 per cent of their PF balance for these categories, subject to specific conditions.

For marriage, the EPFO now allows members to withdraw up to 100 per cent of their PF balance for their own wedding or for the marriage of their children or siblings. Earlier, members could make only three withdrawals for marriage-related expenses; this has now been increased to five. The rule change follows concerns that the previous limit did not adequately meet the financial needs of account holders, particularly given the high cost of weddings in India.

However, the EPFO requires members to maintain a minimum of 25 per cent of their PF balance to keep the account active. For example, if a member has ₹4 lakh in their PF account, they may withdraw up to ₹3 lakh, while the remaining ₹1 lakh continues to earn compound interest at the existing rate of 8.25 per cent. The full balance becomes withdrawable at retirement at age 58, upon two months of unemployment, or when relocating permanently overseas.

How to withdraw PF money online

  1. Visit the EPFO’s official website.
  2. Log in using your UAN and password.
  3. Enter your Aadhaar number and verify via OTP sent to your registered mobile number.
  4. Select the reason for withdrawal and submit the claim form.

How to withdraw PF via the Umang app

  1. Register on Umang using your Aadhaar or mobile number.
  2. Select the EPFO service option.
  3. Log in using your Aadhaar or mobile credentials.
  4. Enter the OTP sent to your phone.
  5. Choose the PF Withdrawal option and open the Claim Form.
  6. Fill in the required details.
  7. Re-enter your mobile number and OTP to complete submission.

The EPFO’s updated framework classifies withdrawals into categories such as illness, education, marriage and housing. These changes aim to make provident fund access more flexible for members facing significant financial obligations.

For marriage-related withdrawals, the EPFO now permits full access—up to 100 per cent of the available PF balance—while requiring a compulsory retention of 25 per cent to ensure the account remains active. This ensures continued interest accrual and preserves a portion of long-term retirement savings.

Members can complete the withdrawal process through the EPFO website or the Umang app using Aadhaar-based verification. The organisation has emphasised that the revised withdrawal limits are intended to provide financial support without compromising long-term retirement security.

Subscribe to our NewsletterGet Latest Mathrubhumi Updates in EnglishFollow

Disclaimer: Kindly avoid objectionable, derogatory, unlawful and lewd comments, while responding to reports. Such comments are punishable under cyber laws. Please keep away from personal attacks. The opinions expressed here are the personal opinions of readers and not that of Mathrubhumi.