Known About the Latest Change in EPFO Withdrawal Rules

• 12 Jan 2026
• 130 Views

If you are a salaried employee whose PF gets deducted, there’s a big EPF update you should know about. A major change has been made to the PF withdrawal rules by the Employees' Provident Fund Organisation (EPFO). This change will directly affect millions of EPFO members. Keep reading to learn about the latest change in EPFO rules.

To ensure the convenience of EPFO members, the EPFO portal gets updated regularly. To develop a framework that lets PF holders withdraw funds through UPI, the EPFO has collaborated with the National Payments Corporation of India (NPCI). This feature will result in elimination of the hassle of filling out lengthy EPF forms for PF funds’ withdrawal. 

At present, even if an employee files an online advance claim of Rs. 5 lakh or less, it takes a minimum of 3 working days to process. However, in case the amount goes beyond Rs. 5 lakh, the working days are further extended. With the new feature of EPFO in collaboration with NPCI, the PF funds will be credited to the PF holder’s bank account directly within a few seconds. 

For the salaried individuals, the rule authorizing PF withdrawal using UPI will be extremely beneficial. At the initial phase, the PF withdrawals will only be possible via BHIM UPI. However, in the near future, the PF withdrawals are expected to be available via major UPI platforms like Google Pay, Paytm and PhonePe.

To prevent the misuse of this facility, certain restrictions may be imposed by the EPFO. Regarding the limit, the UPI limit set forth by the Reserve Bank of India (RBI) will also be applicable. 

As of January 2026, the general daily UPI transaction limit is Rs. 1 lakh. For certain categories like medical, education, insurance, travel, IPOs and credit cards, this limit has been raised to Rs. 5 lakhs.

Source: LiveMint