EPF Withdrawal Rules 2020: 11 Situations when you can Partially Withdraw your PF Money

EPF (Employee Provident Fund) is a long-term investment for retirement. The good news is EPFO, the body which manages EPF allows its subscribers to withdraw money partially under some situations (also known as Non-Refundable Advance in EPF Terms).

EPF Partial Withdrawal Rules 2020

In this post we discuss when and How can PF subscribers partially withdraw money? Also in EPF parlance rules are defined in terms of paragraphs. We have also listed the relevant paragraph with each situation of withdrawal. 

PF Withdrawal for Marriage – Paragraph 68K

  • Eligibility: should have contributed in EPF for at least 7 years
  • Whose Marriage: Self, Children or Siblings
  • Maximum Admissible Amount: 50% of employee’s share of contribution at the time of application
  • How many times: 3 times in entire service period

PF Withdrawal for Education – Paragraph 68K

  • Eligibility: should have contributed in EPF for at least 7 years
  • Whose Education: Self & Children – only post matriculation education is eligible
  • Maximum Admissible Amount: 50% of employee’s share of contribution at the time of application
  • How many times: 3 times in entire service period

Also Read: How to Save Income Tax for Salaried for FY 2019-20? 

PF Withdrawal for Medical Treatment – Paragraph 68J

  • Eligibility: No minimum service condition rule
  • Whose Treatment: Spouse, Children and parents
  • Maximum Admissible Amount: 6 times of Wages OR Full of Employee share (whichever is less)
  • How many times: No Limit (whenever required)
  • Other condition:
    • Prolonged hospitalization of more than 1 month
    • Major surgery in hospital
    • Treatment for TB, leprosy, paralysis, cancer, mental derangement or heart ailment. In case of employee, he should have sanctioned leave from employer for his treatment.

Also Read: NPS – Maturity, Partial Withdrawal & Early Exit Rules

PF Withdrawal for construction/ purchase of house/land – Paragraph 68B

  • Eligibility: Should be member for at least 3 years
  • House in the Name of: Self or Spouse or joint name of self & spouse only.
  • Maximum Admissible Amount: up to 90% of accumulated funds in EPF Account
  • How many times: Only once for either purchase of house/land or repayment of housing loan
  • Any other condition:
    • The amount for purchase/construction of house would be made directly to the builder/agency and not the EPF subscriber
    • In case the subscriber fails to get allotment, or the deal is cancelled, they have to deposit the entire amount in 15 days

Also Read: PPF – A Must Have Investment

PF Withdrawal for repayment of housing loan – Paragraph 68BB

  • Eligibility: Should be member for at least 3 years
  • House in the Name of: Self or Spouse or joint name of self & spouse only.
  • Maximum Admissible Amount: up to 90% of accumulated funds in EPF Account
  • How many times: Only once for either purchase of house/land or repayment of housing loan
  • Any other condition: The loan repayment amount would directly be credited to lender’s account and not to PF holder.

PF Withdrawal for Addition, alteration in existing house – Paragraph 68BC

  • Eligibility: Should be member for at least 5 years
  • House in the Name of: Self or Spouse or joint name of self & spouse only.
  • Maximum Admissible Amount: up to 12 times of wages
  • How many times: Only once for either purchase of house/land or repayment of housing loan
  • Any other condition: The house should be more than 5 years old.

Also Read: Highest Interest Rate on Bank Fixed Deposits

PF Withdrawal in case of Lockout of factory– Paragraph 68H

  • Eligibility: No minimum service condition rule
  • How many times: As Required
EPF Withdrawal Rules 2019
EPF Withdrawal Rules 2019

PF Withdrawal in case of Unemployment – Paragraph 68HH

  • Eligibility: Member who ceases to be in employment for a continuous period not less than one month
  • Maximum Admissible Amount: up to 75% of the total fund (including employee as well as employer share)
  • How many times: As Required

PF Withdrawal One year before Retirement – Paragraph 68NN

  • Eligibility: No minimum service condition rule but the employee age should be at least 57 years and only one should be left for retirement
  • Maximum Admissible Amount: up to 90% of accumulated funds in EPF Account
  • How many times: Only once – one year before retirement

Also Read: 11 Investments to get Monthly Income in India

PF Withdrawal for Investment in Varistha Pension BimaYojana – Para 68NNN

  • Eligibility: No minimum service condition rule
  • Maximum Admissible Amount: up to 90% of accumulated funds in EPF Account
  • How many times: once
  • Any other condition: The amount would directly be credited to LIC’s account and not to PF holder.

Also Read: All details about Varistha Pension BimaYojana

PF Withdrawal in case of Natural calamity of exceptional nature – Paragraph 68L

  • Eligibility: No minimum service condition rule
  • Maximum Admissible Amount: up to Rs. 5,000 or 50% of employee’s own contribution
  • How many times: whenever required
  • Any other condition: Application should be made within 4 months of natural calamity.

PF Withdrawal for Physically handicapped – Paragraph 68N

  • Eligibility: No minimum service condition rule
  • Maximum Admissible Amount: up to 6 times of wages or the cost of equipment whoever is less
  • How many times: whenever required
  • Any other condition: Application should be made within 4 months of natural calamity.

Helpful Posts on EPF

How to Apply for PF Withdrawal/Advance?

EPF members can apply for partial withdrawal or advance both offline and offline. The good news is the “EPF Composite Claim Form” is one-pager and one of the simplest form I have seen. The other good thing you need not attach any proof for any withdrawals.

PF Non-Refundable Advance Offline Form

There are two types of Forms depending on if your Aadhaar is updated with EPFO or not. In case Aadhaar is updated use “COMPOSITE CLAIM FORM (AADHAAR)” else “COMPOSITE CLAIM FORM (NON-AADHAAR)”.

The form asks for basic information like Name, Father/Husband Name, UAN, Date of Joining, PAN, Bank Account Details and Purpose of non-refundable PF Advance.

EPF Partial Withdrawal Online Form

The online form is even simpler as it has most of the details. Login to the UAN Member eSewa Portal. Go to Online Services >> ONLINE CLAIM (FORM 31,19,10C & 10D) and fill the form. You just need to choose Purpose of non-refundable PF Advance and submit the form.

Non-refundable PF Advance

I Hope the post would have helped you understand when you can withdraw partially (Non-refundable PF Advance) from your EPF Account. The process is very simple, and no supporting document is required. However, we recommend using this money only as last resort. EPF is for retirement and should be treated as such.

2 thoughts on “EPF Withdrawal Rules 2020: 11 Situations when you can Partially Withdraw your PF Money”

  1. Dear Sir ,
    Inform you that I claim pf amount withdraw for illness but payment did not received. Which claim settlement payment till date not credited in our account .

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