{"id":11551,"date":"2020-01-10T10:21:39","date_gmt":"2020-01-10T04:51:39","guid":{"rendered":"https:\/\/www.apnaplan.com\/?p=11551"},"modified":"2020-01-10T11:46:40","modified_gmt":"2020-01-10T06:16:40","slug":"epf-withdrawal-rules","status":"publish","type":"post","link":"https:\/\/www.apnaplan.com\/epf-withdrawal-rules\/","title":{"rendered":"EPF Withdrawal Rules 2020: 11 Situations when you can Partially Withdraw your PF Money"},"content":{"rendered":"\n<p style=\"text-align: justify;\"><strong>EPF (Employee Provident Fund) is a long-term investment for retirement.<\/strong> The good news is EPFO, the body which manages EPF <strong>allows its subscribers to withdraw money partially under some situations (also known as Non-Refundable Advance in EPF Terms)<\/strong>.<\/p>\n<h2 style=\"text-align: justify;\">EPF Partial Withdrawal Rules 2020<\/h2>\n<p style=\"text-align: justify;\">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.\u00a0<\/p>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Marriage \u2013 Paragraph 68K<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: should have contributed in EPF for at least 7 years<\/li>\n<li style=\"text-align: justify;\"><strong>Whose Marriage<\/strong>: Self, Children or Siblings<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: 50% of employee\u2019s share of contribution at the time of application<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: 3 times in entire service period<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Education \u2013 Paragraph 68K<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: should have contributed in EPF for at least 7 years<\/li>\n<li style=\"text-align: justify;\"><strong>Whose Education<\/strong>: Self &amp; Children \u2013 only post matriculation education is eligible<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: 50% of employee\u2019s share of contribution at the time of application<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> 3 times in entire service period<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.apnaplan.com\/how-to-save-tax-fy2019-20\/\">How to Save Income Tax for Salaried for FY 2019-20?\u00a0<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Medical Treatment \u2013 Paragraph 68J<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility:<\/strong> No minimum service condition rule<\/li>\n<li style=\"text-align: justify;\"><strong>Whose Treatment<\/strong>: Spouse, Children and parents<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: 6 times of Wages OR Full of Employee share (whichever is less)<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: No Limit (whenever required)<\/li>\n<li style=\"text-align: justify;\"><strong>Other condition:<\/strong>\n<ul>\n<li style=\"text-align: justify;\">Prolonged hospitalization of more than 1 month<\/li>\n<li style=\"text-align: justify;\">Major surgery in hospital<\/li>\n<li style=\"text-align: justify;\">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.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.apnaplan.com\/nps-partial-withdrawal-early-exit-rules\/\">NPS \u2013 Maturity, Partial Withdrawal &amp; Early Exit Rules<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal for construction\/ purchase of house\/land \u2013 Paragraph 68B<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: Should be member for at least 3 years<\/li>\n<li style=\"text-align: justify;\"><strong>House in the Name of<\/strong>: Self or Spouse or joint name of self &amp; spouse only.<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: up to 90% of accumulated funds in EPF Account<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: Only once for either purchase of house\/land or repayment of housing loan<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition<\/strong>:\n<ul>\n<li style=\"text-align: justify;\">The amount for purchase\/construction of house would be made directly to the builder\/agency and not the EPF subscriber<\/li>\n<li style=\"text-align: justify;\">In case the subscriber fails to get allotment, or the deal is cancelled, they have to deposit the entire amount in 15 days<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.apnaplan.com\/ppf-2\/\">PPF \u2013 A Must Have Investment<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal for repayment of housing loan \u2013 Paragraph 68BB<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility:<\/strong> Should be member for at least 3 years<\/li>\n<li style=\"text-align: justify;\"><strong>House in the Name of:<\/strong> Self or Spouse or joint name of self &amp; spouse only.<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount:<\/strong> up to 90% of accumulated funds in EPF Account<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> Only once for either purchase of house\/land or repayment of housing loan<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition: <\/strong>The loan repayment amount would directly be credited to lender\u2019s account and not to PF holder.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Addition, alteration in existing house \u2013 Paragraph 68BC<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: Should be member for at least 5 years<\/li>\n<li style=\"text-align: justify;\"><strong>House in the Name of<\/strong>: Self or Spouse or joint name of self &amp; spouse only.<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount:<\/strong> up to 12 times of wages<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> Only once for either purchase of house\/land or repayment of housing loan<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition<\/strong>:\u00a0The house should be more than 5 years old.<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.apnaplan.com\/highest-interest-rate-on-bank-fixed-deposits-fd\/\">Highest Interest Rate on Bank Fixed Deposits<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal in case of Lockout of factory\u2013 Paragraph 68H<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility:<\/strong> No minimum service condition rule<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> As Required<\/li>\n<\/ul>\n<figure id=\"attachment_11555\" aria-describedby=\"caption-attachment-11555\" style=\"width: 757px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-large wp-image-11555\" src=\"https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/06\/EPF-Withdrawal-Rules-1024x545.png\" alt=\"EPF Withdrawal Rules 2019\" width=\"757\" height=\"403\" title=\"\" srcset=\"https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/06\/EPF-Withdrawal-Rules-1024x545.png 1024w, https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/06\/EPF-Withdrawal-Rules-300x160.png 300w, https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/06\/EPF-Withdrawal-Rules-768x409.png 768w, https:\/\/www.apnaplan.com\/wp-content\/uploads\/2019\/06\/EPF-Withdrawal-Rules.png 1165w\" sizes=\"(max-width: 757px) 100vw, 757px\" \/><figcaption id=\"caption-attachment-11555\" class=\"wp-caption-text\">EPF Withdrawal Rules 2019<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\">PF Withdrawal in case of Unemployment \u2013 Paragraph 68HH<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: Member who ceases to be in employment for a continuous period not less than one month<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: up to 75% of the total fund (including employee as well as employer share)<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: As Required<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\">PF Withdrawal One year before Retirement \u2013 Paragraph 68NN<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: No minimum service condition rule but the employee age should be at least 57 years and only one should be left for retirement<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount:<\/strong> up to 90% of accumulated funds in EPF Account<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> Only once \u2013 one year before retirement<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/www.apnaplan.com\/monthly-income\/\">11 Investments to get Monthly Income in India<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Investment in Varistha Pension BimaYojana \u2013 Para 68NNN<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: No minimum service condition rule<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount:<\/strong> up to 90% of accumulated funds in EPF Account<\/li>\n<li style=\"text-align: justify;\"><strong>How many times:<\/strong> once<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition<\/strong>: The amount would directly be credited to LIC\u2019s account and not to PF holder.<\/li>\n<\/ul>\n<blockquote>\n<p><strong>Also Read<\/strong>: <a href=\"https:\/\/www.apnaplan.com\/pmvvy-pradhan-mantri-vaya-vandana-yojana-review\/\">All details about Varistha Pension BimaYojana<\/a><\/p>\n<\/blockquote>\n<h3 style=\"text-align: justify;\">PF Withdrawal in case of Natural calamity of exceptional nature \u2013 Paragraph 68L<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: No minimum service condition rule<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: up to Rs. 5,000 or 50% of employee\u2019s own contribution<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: whenever required<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition<\/strong>: Application should be made within 4 months of natural calamity.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\">PF Withdrawal for Physically handicapped \u2013 Paragraph 68N<\/h3>\n<ul>\n<li style=\"text-align: justify;\"><strong>Eligibility<\/strong>: No minimum service condition rule<\/li>\n<li style=\"text-align: justify;\"><strong>Maximum Admissible Amount<\/strong>: up to 6 times of wages or the cost of equipment whoever is less<\/li>\n<li style=\"text-align: justify;\"><strong>How many times<\/strong>: whenever required<\/li>\n<li style=\"text-align: justify;\"><strong>Any other condition<\/strong>: Application should be made within 4 months of natural calamity.<\/li>\n<\/ul>\n<h2>Helpful Posts on EPF<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.apnaplan.com\/check-epf-balance\/\">5 Quick Ways to check EPF Balance<\/a><\/li>\n<li><a href=\"https:\/\/www.apnaplan.com\/epf-interest-rate\/\">EPF Latest &amp; historical Interest Rates<\/a><\/li>\n<li><a href=\"https:\/\/www.apnaplan.com\/epf-withdrawal-tax-tds\/\">How is EPF Withdrawal Taxed?<\/a><\/li>\n<li><a href=\"https:\/\/www.apnaplan.com\/voluntary-provident-fund-a-good-retirement-option\/\">Voluntary Provident Fund \u2013 A Good Tax Saving Retirement Option!<\/a><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\">How to Apply for PF Withdrawal\/Advance?<\/h2>\n<p style=\"text-align: justify;\">EPF members can apply for partial withdrawal or advance both offline and offline. The good news is the \u201cEPF Composite Claim Form\u201d 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.<\/p>\n<h3 style=\"text-align: justify;\">PF Non-Refundable Advance Offline Form<\/h3>\n<p style=\"text-align: justify;\">There are two types of Forms depending on if your Aadhaar is updated with EPFO or not. In case Aadhaar is updated use \u201c<a href=\"https:\/\/www.epfindia.gov.in\/site_docs\/PDFs\/Downloads_PDFs\/Form_CCF_aadhar.pdf\" target=\"_blank\" rel=\"noopener\">COMPOSITE CLAIM FORM (AADHAAR)<\/a>\u201d else \u201c<a href=\"https:\/\/www.epfindia.gov.in\/site_docs\/PDFs\/Downloads_PDFs\/Form_CCF_nonaadhar.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">COMPOSITE CLAIM FORM (NON-AADHAAR)<\/a>\u201d.<\/p>\n<p style=\"text-align: justify;\">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.<\/p>\n<h3 style=\"text-align: justify;\">EPF Partial Withdrawal Online Form<\/h3>\n<p style=\"text-align: justify;\">The online form is even simpler as it has most of the details. Login to the <a href=\"https:\/\/unifiedportal-mem.epfindia.gov.in\/\" target=\"_blank\" rel=\"noopener noreferrer\">UAN Member eSewa Portal<\/a>. Go to <strong>Online Services &gt;&gt; ONLINE CLAIM (FORM 31,19,10C &amp; 10D)<\/strong> and fill the form. You just need to choose Purpose of non-refundable PF Advance and submit the form.<\/p>\n<h2 style=\"text-align: justify;\">Non-refundable PF Advance<\/h2>\n<p style=\"text-align: justify;\">I Hope the post would have helped you <strong>understand when you can withdraw partially (Non-refundable PF Advance) from your EPF Account<\/strong>. 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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EPF Subscribers can easily withdraw (Non-refundable PF Advance) money partially for certain situations like marriage, education, buying house\/land, on unemployment, medical treatment and much more 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Subscribers can easily withdraw (Non-refundable PF Advance) money partially for certain situations like marriage, education, buying house\/land, on unemployment, medical treatment and much more 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