EPF withdrawal
Taking money out of your EPF account, either partly for set needs or fully on retirement or a long break from work.
EPF withdrawal means taking money out of your EPF account. Under the 2026 scheme, partial withdrawals open up after 12 months of membership, while 25% of everything credited stays put as a Minimum Balance. Full withdrawal is for retirement or a year without covered work. Claims are filed online with your UAN. Our explainer on the EPF withdrawal rules has the details.
Questions people ask
When can I make a partial EPF withdrawal?
Under the Employees' Provident Funds Scheme, 2026, after 12 months of total membership, for essential needs such as illness, education and marriage, for housing, or under special circumstances with no reason needed. A Minimum Balance of 25% of everything credited must stay in the account.
When can I withdraw my whole EPF?
On retiring after 55, permanent incapacity, retrenchment, a voluntary retirement scheme, leaving India for good, or after 12 continuous months without covered employment. A woman resigning to get married doesn't have to wait the 12 months.
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