Conditions Under Which You Can Withdraw From Your Provident Fund Account

Employees’ Provident Fund or EPF is a government-run pension scheme focused on salaried individuals. Currently, investment in EPF fetches interest at the rate of 8.65 per cent. In EPF, a mandatory contribution is deducted from the salary of an employee and contributed towards the provident fund. Employees’ Provident Fund Organization (EPFO), the nodal agency that monitors EPF contributions, allows the subscriber – or employees of an organisation of 20 or more individuals – to make a partial withdrawal or “advance” from a PF corpus under certain conditions, according to its website –


The subscribers can put a claim for ‘advance’ withdrawal online via EPFO’s website – The claim is then forwarded to the employer for approval. Once approved, the amount is credited to the subscriber’s account within 10 days, according to the EPFO’s website.

Here are some of the conditions in which a partial withdrawal – or advance – is permitted from a provident fund (PF) account:

Partial withdrawal from EPF accounts is allowed for purchase/construction of house, repayment of loan, non-receipt of wage for two months, marriage of self/daughter/son/brother, for medical treatment of family members etc, according to EPFO.

Types of advance Service eligibility
Housing Loan / Purchase of Site / House / Flat or for construction / addition 60 months of service
Lockout or closure of factory 0
Illness of member / family 0
Marriage of self/son/daughter /brother/sister 84 months of service
Post matriculation education of children 84 months of service
Natural Calamity 0
Cut in electricity in establishment 0
Purchasing equipment by physically handicapped 0
One year before retirement Age above 54 years
Investment in Varistha Pension Bima Yojana Age above 55 years