Provident Fund Withdrawal Rules 2025#
Types of Withdrawal#
Full Withdrawal#
- After retirement
- After 2 months unemployment
Partial Withdrawal#
- Marriage: 50% (after 7 years)
- Education: 50% (after 7 years)
- Medical: 50% (immediate for self/spouse)
- Home loan: 90%
COVID-19 Withdrawal#
- Up to 75% of corpus
- Extant till March 2025
Online Withdrawal Process#
- Login to UAN portal
- KYC must be verified
- Select "Claim (Form 31)"
- Choose claim type
- Submit and verify
Documents Required#
- Aadhaar linked
- Bank account verified
- Mobile number linked
Tax Implications#
- Before 5 years: Taxable
- After 5 years: Tax-free
- Under 5 years: Interest taxable
Conclusion#
EPF provides financial security at retirement.