PF kaise nikale? 2026 niyam aur online tareeka

PF kaise nikale? 2026 ke naye niyam, kitna nikal sakte hain aur online tareeka

By GreenFunds Editorial Team · 2 min read · Last updated 2026-10-31

PF ka 25% account mein rehta hai, baaki zaroorat par nikal sakte hain

PF yaani aapka EPF, retirement ka paisa hai. Lekin zaroorat padne par iska hissa nikal sakte hain. 29 June 2026 se naya Employees’ Provident Funds Scheme, 2026 laagu hai, aur nikalne ke niyam badal gaye hain.

Sabse zaroori niyam: 25% rehta hai. October 2025 mein EPFO board ne 13 alag niyamon ko jod kar ek bana diya. Ab aapke aur employer ke contribution aur byaaj ka 25% hamesha account mein rehna chahiye. Baaki aapka eligible balance hai. 12 mahine ki membership ke baad, sahi wajah ho to, aap yeh poora nikal sakte hain. Yaani PF balance ka lagbhag 75% tak.

PF kitna nikal sakte hain. PF balance ke do hisse: 25% account mein rehta hai, aur baaki 75% eligible balance hai, jo 12 mahine baad sahi wajah par nikal sakte hain.

Kin wajahon se? Shram mantralay ke anusaar ab teen group hain:

Group	Kya aata hai
Zaroori kharche	Bimaari, padhai (10 baar tak), shaadi (5 baar tak), apni ya parivaar ki
Ghar	Ghar khareedna, banana, marammat, ya home loan chukana
Mushkil samay	Jaise prakritik aapda ya naukri jaana; wajah saabit karni zaroori nahi

Ek rupee example. Maan lijiye aapke PF mein 4 lakh rupaye hain (illustration). 25%, yaani 1 lakh, account mein rahega. Parivaar mein kisi ke operation ke liye aap 3 lakh tak nikal sakte hain.

Online apply kaise karein? Aapka UAN active hona chahiye, aur Aadhaar, PAN aur bank account usse jude hone chahiye. Abhi tak nahi kiya to pehle UAN activate karne ki guide dekhiye. Upar diye chaar step follow karein. Pehle apna PF balance check karein, taaki pata ho kitna nikal sakte hain.

PF nikalne ke liye online apply, chaar step. Step 1, UAN se EPFO portal ya UMANG app par login. Step 2, online claim form kholein. Step 3, wajah aur rakam chunein. Step 4, Aadhaar OTP se submit karein.

Naukri chhodne par. Berozgaar hone par 75% turant aur baaki 25% 12 mahine baad nikal sakte hain. Retirement, sthaayi viklaangta, chhatni ya voluntary retirement par poora PF nikal sakte hain. Nayi naukri mein jaa rahe hain to PF transfer karein: paisa byaaj kamaata rahega aur aapki naukri ke saal jud-te rahenge. 5 saal ya zyada ke baad naukri chhod rahe hain? Gratuity bhi mil sakti hai; gratuity explained padhiye.

Tax, chhote mein. 5 saal ya zyada lagaatar naukri ke baad, ya naukri aapke bas ke bahar gayi ho, to PF tax-free hai. Usse pehle nikalne par tax lag sakta hai, aur 50,000 rupaye ya zyada par 10% TDS kat-ta hai. Income taxable seema se kam ho to Form 15G ya 15H se TDS ruk sakta hai.

Nikalne se pehle socho. Har nikala hua rupaya retirement ke liye compounding band kar deta hai. Agar emergency fund hai to pehle wahi use karein, PF ko backup rakhein.

English mein poori jaankari: PF withdrawal rules. Investing seekhni hai? Mutual fund kya hai aur SIP kya hai padhiye.

UAN se login karein

EPFO member portal ya UMANG app par apne UAN aur password se login karein. UAN active hona chahiye, aur Aadhaar, PAN aur bank account usse jude hone chahiye.

Online claim form kholein

Portal par online claim ka option chunein. Apne bank account ke aakhri ank daal kar account confirm karein.

Wajah aur rakam chunein

Nikalne ki wajah chunein, jaise bimaari, padhai, shaadi ya ghar, aur kitni rakam chahiye. Eligible balance se zyada nahi nikal sakte.

Aadhaar OTP se submit karein

Aadhaar par aaye OTP se verify karke claim submit karein. Claim ka status usi jagah track kar sakte hain.

Questions people ask

PF kaise nikale?

UAN se EPFO member portal ya UMANG app par login karein, online claim form kholein, wajah aur rakam chunein, aur Aadhaar OTP se submit karein. Iske liye UAN active aur Aadhaar, PAN aur bank account KYC ke saath jude hone chahiye.

PF ka kitna paisa nikal sakte hain?

EPF Scheme, 2026 ke hisaab se aapke aur employer ke contribution aur byaaj ka 25% account mein rehna zaroori hai. Baaki rakam aap 12 mahine ki membership ke baad bimaari, padhai, shaadi, ghar ya mushkil samay ke liye nikal sakte hain. Yaani lagbhag 75% tak.

Naukri chhodne par poora PF nikal sakte hain?

Turant nahi. Shram mantralay ke anusaar, berozgaar hone par 75% turant aur baaki 25% 12 mahine baad nikal sakte hain. Retirement, sthaayi viklaangta ya chhatni par poora nikal sakte hain. Nayi naukri mein jaa rahe hain to PF transfer karna aam taur par behtar hai.

PF nikalne par tax lagta hai?

5 saal ya zyada lagaatar naukri ke baad, ya naukri aapke bas ke bahar khatam hui ho, to PF par tax nahi lagta. Usse pehle nikalne par tax lag sakta hai, aur 50,000 rupaye ya zyada ke payment par 10% TDS kat-ta hai. Income taxable seema se kam ho to Form 15G ya 15H se TDS ruk sakta hai.

Source: Ministry of Labour and Employment, PIB releases of 13 October 2025 (ID 2178522), 15 October 2025 (ID 2179689) and Year End Review 2025 (ID 2209767); Employees' Provident Funds Scheme, 2026, notified 29 June 2026 (PIB ID 2305867); EPFO FAQs (epfo.gov.in); Income-tax Act, 2025 on tax and TDS.

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