**You Can Now Withdraw Your Entire PF Balance Anytime**
*By Dwaipayan Roy | Oct 13, 2025, 07:55 PM*

The Employees’ Provident Fund Organisation (EPFO) has taken a significant step to enhance the ease of living for its members. During the 238th meeting of the EPFO’s Central Board of Trustees (CBT) held in New Delhi, chaired by Union Minister for Labour and Employment Mansukh Mandaviya, a major decision was announced: members can now withdraw up to 100% of their eligible Provident Fund (PF) balance, which includes both employee and employer contributions.

### Major Changes in Withdrawal Rules

Previously, full withdrawal from the PF account was permitted only in cases of unemployment or retirement. The new liberalized rules allow members to withdraw their entire eligible balance anytime, subject to certain conditions that may apply.

In addition to this, the CBT has simplified the partial withdrawal process by consolidating 13 complex rules into a single, streamlined framework. The revised rules are categorized into three main needs:

– Essential needs (such as illness, education, and marriage)
– Housing needs
– Special circumstances

### Increased Flexibility for Education and Marriage Withdrawals

To provide further relief, the CBT has increased the limits on withdrawals for education and marriage expenses. Members can now make up to 10 withdrawals for education and up to 5 withdrawals for marriage purposes.

Moreover, the minimum service requirement for all partial withdrawals has been uniformly reduced to just 12 months. This is a significant reduction from earlier rules, which often required detailed explanations and led to many claims being rejected under the ‘Special Circumstances’ category.

### Member Benefits: Minimum Balance and Auto-Settlement

Another key provision introduced is the maintenance of a ‘Minimum Balance’ of 25% of contributions in members’ PF accounts at all times. This ensures that members continue to benefit from the attractive EPFO interest rates—currently at 8.25% per annum—along with the power of compounding to help build a substantial retirement corpus.

To further ease the withdrawal process, the board announced that there will be “zero need for any documentation,” enabling 100% auto-settlement of claims for partial withdrawal. This move will vastly improve the speed and convenience of accessing PF funds when needed.

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These landmark changes by the EPFO aim to provide greater flexibility and financial security for members, making it simpler than ever to manage and utilize Provident Fund savings.
https://www.newsbytesapp.com/news/business/epfo-members-can-now-withdraw-entire-balance/story