New EPFO Withdrawal Feature – The Employees’ Provident Fund Organisation (EPFO) has announced a revolutionary upgrade in its services — EPF withdrawal via UPI or ATM. This move is set to ease the financial burden of millions of salaried employees by allowing instant access to PF funds, bypassing the previously lengthy process. The integration of digital payments is a bold step towards making EPF services more accessible and user-friendly in emergencies and daily financial needs.
What is the New PF Withdrawal Feature?
The EPFO’s latest feature allows EPF members to withdraw funds using UPI apps or ATM cards. This digital reform brings seamless, real-time access to your Provident Fund account without needing paperwork or extended waiting periods.
Key Highlights:
- Withdraw PF instantly via UPI apps like PhonePe, Google Pay, BHIM, Paytm, etc.
- EPF ATM-enabled smart card to be introduced for cash withdrawals.
- No need for employer verification or form-filling for small withdrawals.
- Daily withdrawal limits apply for ATM or UPI-based access.
- This feature is currently being rolled out in phases across India.
Eligibility and Access: Who Can Use This Facility?
This new facility will be available to all EPFO subscribers who have:
- An active UAN (Universal Account Number)
- Linked Aadhaar number with UAN
- Bank account seeded and verified with EPFO
- Mobile number linked with UPI or ATM for OTP verification
- Minimum 6 months of PF contribution in the current account
Employees who fulfill these criteria can avail the feature without employer approval for partial withdrawals up to a set limit.
Eligibility Table:
| Criteria | Requirement |
|---|---|
| UAN Status | Active and Aadhaar-linked |
| KYC Completion | Aadhaar + Bank + Mobile |
| Minimum Contribution Duration | 6 months |
| Withdrawal Limit (Daily) via UPI | ₹10,000 |
| ATM Withdrawal Limit | ₹25,000 per week |
| OTP Verification | Mandatory |
| Rollout Status | Phased launch (Tier-1 cities first) |
| Bank Account Type | Savings or Salary linked |
Benefits for EPF Subscribers:
- Quick access to funds in times of emergency
- No paperwork or manual approval process
- 24/7 availability through UPI apps or ATM kiosks
- Enhances financial flexibility and liquidity
- Reduces dependence on employers for withdrawal approvals
Documents Required for New EPFO Withdrawal Feature
| Document | Purpose |
|---|---|
| Aadhaar Card | Identity and KYC verification |
| PAN Card | Tax compliance |
| Bank Passbook/Statement | Account linking |
| UAN Number | PF account identification |
| Mobile Number | OTP and UPI linking |
| Passport Size Photo (optional) | KYC verification at kiosk |
| UPI App (installed & active) | Digital withdrawal |
| ATM Card (EPFO Smart Card) | Offline cash withdrawal |
How to Withdraw PF Using UPI?
- Open your UPI app (PhonePe/Google Pay/Paytm, etc.)
- Go to the ‘EPFO Services’ option (if available)
- Enter your UAN and verify via OTP
- Select withdrawal amount (up to ₹10,000 per day)
- Funds are instantly credited to your bank account
Note: If your UPI app does not support EPFO yet, this feature will be made available soon via updates.
How to Use EPFO Smart ATM Card?
- Insert the EPFO Smart Card into the enabled ATM
- Enter your UAN number and PIN
- Select withdrawal purpose and amount
- Authenticate using OTP on linked mobile
- Collect cash immediately
EPFO’s Aim Behind the UPI + ATM Integration
The goal of this new initiative is to reduce the processing time and dependency on intermediaries. EPFO aims to promote paperless access to funds and simplify withdrawals for emergencies, education, marriage, or medical needs.
Objectives:
- Foster digital empowerment of employees
- Enhance PF fund accessibility
- Create a seamless withdrawal experience
- Reduce manual intervention and fraud risks
Pilot Cities for Phase 1 Launch
| City | State |
|---|---|
| Delhi | Delhi NCR |
| Mumbai | Maharashtra |
| Bengaluru | Karnataka |
| Hyderabad | Telangana |
| Chennai | Tamil Nadu |
| Ahmedabad | Gujarat |
| Pune | Maharashtra |
| Lucknow | Uttar Pradesh |
FAQs about New EPFO Withdrawal Feature
Q1. Is this facility available for full withdrawals?
No, only partial withdrawals for emergencies are allowed via UPI or ATM at this stage.
Q2. What is the maximum limit for ATM-based withdrawal?
You can withdraw up to ₹25,000 per week using the EPFO smart ATM card.
Q3. Can I use any UPI app to access this feature?
Currently, only selected apps like PhonePe, Google Pay, BHIM are integrated. Others will follow soon.
Q4. Do I need my employer’s approval?
No, as long as you meet KYC and account criteria, employer verification is not required for this feature.
Q5. What if my Aadhaar or mobile is not linked with UAN?
You must first update your KYC via the Unified Member Portal before using this facility.
Q6. Can I track the withdrawal status?
Yes, the status can be tracked via UPI app transaction history or EPFO portal.
Q7. What happens in case of failed UPI withdrawal?
The amount will not be debited. If it is, the refund is processed within 3 working days.
Q8. Will there be any charges for UPI/ATM withdrawal?
No, EPFO will not levy any charges for these digital withdrawals.
The EPFO’s move to enable UPI and ATM-based PF withdrawals is a major leap forward in digitizing financial access for millions of workers. This system ensures faster disbursal, easier usage, and a more transparent and paperless experience. However, members must ensure their UAN is updated with Aadhaar, bank, and mobile number to take full advantage of this facility.
How can EPFO members access their PF instantly using UPI or ATM?
By utilizing the new feature launched by EPFO.
