EPF withdrawal rules for emergency, unemployment

The Employees’ Provident Fund Organisation (EPFO) has introduced several changes to its withdrawal rules in the 2026 EPF scheme. Firstly, EPF account holders can now withdraw up to 75% of their balance twice a year under special circumstances without assigning a reason. Additionally, they can withdraw up to 75% of their PF savings immediately after becoming unemployed, providing quick financial support during such times.

The government has also reduced the minimum service requirement for several advance withdrawals from seven years to 12 months. This allows employees, especially younger workers, to access their provident fund savings when they need financial assistance. Eligible expenses include essential needs, housing requirements, and special circumstances.

Education and marriage withdrawals are limited to a certain number of times during EPF membership. Illness withdrawals have no limit, while housing withdrawals are capped at five times during membership.