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EPFO eases EPF partial withdrawal rules; members can now withdraw up to 100% | All you need to know
EPFO mandates a 25% minimum balance lock-in and extends waiting periods for full withdrawals to 12 months for PF and 36 months for pension, affecting over 30 crore members.
- On Monday, October 13, 2025, the Employees' Provident Fund Organisation's Central Board of Trustees approved an overhaul allowing up to 100% withdrawal and merged 13 provisions into three categories.
- The Ministry of Labour & Employment said the changes improve Ease of Living for EPF members and ensure quicker access while preserving retirement savings with EPFO interest.
- Partial withdrawal limits and eligibility were liberalised while documentation requirements were reduced; EPF members must retain a 25% minimum balance, full settlement needs 12 months unemployment, and education withdrawals can occur up to 10 times.
- Amid recent layoffs in IT and fintech sectors, wealth advisor Neil Borate warned EPF subscribers may need to rethink financial strategies under the new 25% lock-in rules.
- As part of EPFO 3.0 digital transformation, the EPFO will soon form a committee to review RBI recommendations and has selected four fund managers for its debt portfolio.
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EPFO has made a big change, now the entire PF money will be withdrawn in 12 months, not 2.
EPFO reforms: CBT announces 100% EPF withdrawal, sets new minimum balance rules, launches ‘Vishwas Scheme’ to reduce litigation
EPFO has introduced significant changes to EPF withdrawal rules. Members can now withdraw up to 100% of their eligible balance. Limits for education and marriage withdrawals have increased. Minimum service for partial withdrawal is now 12 months. A new minimum balance requirement ensures retirement savings. These reforms aim for greater flexibility and ease of living for members.
EPFO allows up to 100% EPF withdrawal, simplifies rules for members
The minimum service requirement for availing partial withdrawals has also been reduced uniformly to 12 months across all categories..EPFO partial withdrawal rules, Employees' Provident Fund Organisation, EPFO withdrawal limits, EPFO new rules 2024, EPFO claim settlement, Vishwas Scheme EPFO, Digital Life Certificate for pensioners, EPFO 3.0 digital transformation, EPFO fund managers, EPFO interest rate, How to withdraw from EPFO, EPFO online cla…
EPFO tightens premature final settlement rules amid rising layoffs; full PF payout only after 12 months of job loss
Members can now apply for final PF settlement only after 12 months of leaving employment, compared to the earlier two-month window. Similarly, pension withdrawal will now be allowed after 36 months of unemployment.
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