{"id":736,"date":"2024-09-19T17:26:07","date_gmt":"2024-09-19T11:56:07","guid":{"rendered":"https:\/\/www.caclubindia.com\/guide\/?p=736"},"modified":"2025-06-26T15:56:46","modified_gmt":"2025-06-26T10:26:46","slug":"pf-withdrawal-limit","status":"publish","type":"post","link":"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/","title":{"rendered":"PF Withdrawal Limit: Subscribers Can Withdraw Up to Rs 1 Lakh"},"content":{"rendered":"\n<p>PF withdrawal limit has been raised from Rs 50,000 to Rs 1,00,000. The announced made by the Union Labour Minister Mansukh Mandaviya allowing subscribers to access more funds for personal needs like weddings and medical treatments.<\/p>\n\n\n\n<p>New employees who have not completed six months at their service are now eligible to withdraw funds.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/pf-withdrawal-limit-1024x538.jpg\" alt=\"\" class=\"wp-image-737\" srcset=\"https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/pf-withdrawal-limit-1024x538.jpg 1024w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/pf-withdrawal-limit-300x158.jpg 300w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/pf-withdrawal-limit-768x403.jpg 768w, https:\/\/www.caclubindia.com\/guide\/wp-content\/uploads\/2024\/09\/pf-withdrawal-limit.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>The government also allows certain companies with private retirement schemes to switch to the EPFO for better and stable returns at 8.25% for FY24.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\r\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#What_is_PF_or_EPF\" >What is PF or EPF?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#EPF_Withdrawal_Rules\" >EPF Withdrawal Rules<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#When_the_EPF_amount_can_be_withdrawn\" >When the EPF amount can be withdrawn?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#Complete_Withdrawal_Process\" >Complete Withdrawal Process<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#Partial_Withdrawal_Process\" >Partial Withdrawal Process<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#Process_To_Withdraw_EPF\" >Process To Withdraw EPF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.caclubindia.com\/guide\/pf-withdrawal-limit\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_PF_or_EPF\"><\/span>What is PF or EPF?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>PF or EPF is a savings cum retirement scheme for employees of an eligible organization.<\/p>\n\n\n\n<p>As per the EPF rules, the employees must contribute 12% of their basic pay every month to this fund. The employer contributes a matching amount to the employee&#8217;s PF account.<\/p>\n\n\n\n<p>The amount which is deposited in EPF accounts earns interest on a annual basis.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"EPF_Withdrawal_Rules\"><\/span>EPF Withdrawal Rules<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No withdrawal allowed if employed.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>EPF withdrawals within 5 years are taxable, but no TDS if the amount is under \u20b950,000.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Withdrawal up to 75% after 1 month of unemployment, full withdrawal is allowed after 2 months of unemployment or delayed new job start.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No need to withdraw PF while changing jobs, it can be transferred online.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loans against PF are available after a certain service period.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_the_EPF_amount_can_be_withdrawn\"><\/span>When the EPF amount can be withdrawn?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A person may choose to withdraw EPF amount in a:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Complete_Withdrawal_Process\"><\/span>Complete Withdrawal Process<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>EPF can be withdrawn entirely under the following two circumstances<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If an individual\u2019s retires<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If an individual is unemployed for more than 1 month then, he or she can withdraw 75% of the total accumulated amount and can withdraw the rest 25% if his or her unemployement reaches beyond 2 months.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Partial_Withdrawal_Process\"><\/span>Partial Withdrawal Process<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Partial withdrawal can be done under the certain circumstances:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Medical Purpose<\/li>\n\n\n\n<li>To Pay for Marriage<\/li>\n\n\n\n<li>Education<\/li>\n\n\n\n<li>Purchase of land or construction of house<\/li>\n\n\n\n<li>Home loan repayment<\/li>\n\n\n\n<li>Home renovation<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Process_To_Withdraw_EPF\"><\/span>Process To Withdraw EPF<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Open <strong><a href=\"https:\/\/www.caclubindia.com\/articles\/epfo-member-portal-login-50170.asp\">EPFO<\/a><\/strong> portal and login with UAN and password.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Click on the tab \u201cManage\u201d and select KYC to check your KYC details are verified or not.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Once KYC details are verified, then go to the tab \u201cOnline service\u201d and select the option \u201cClaim from the drop down menu.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Next enter your bank details and click on \u201cverify\u201d.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Click on \u201cYes\u2019 to sign the certificate of the undertaking and then \u201cproceed for online claim\u201d.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In claim form, select the claim you require whether full or partial. If the member is not eligible for any services like PF withdrawal or pension withdrawal due to service criteria, that option will be shown in the drop down menu.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Then select PF withdrawal (Form 19) or Pension withdrawal (Form 10C) to withdraw your PF amount and provide the amount and purpose of such advance.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>After providing the amount and purpose you have to enter the OTP and click on \u201cvalidate\u201d and then click on the certificate and submit the application.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1726746815128\"><strong class=\"schema-faq-question\">What is the new PF withdrawal limit?<\/strong> <p class=\"schema-faq-answer\">The new PF withdrawal limit is Rs 1 lakh.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726746826087\"><strong class=\"schema-faq-question\">Can new employees withdraw from their PF?<\/strong> <p class=\"schema-faq-answer\">Yes, employees working with less than six months of service are now eligible to withdraw funds.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1726746840880\"><strong class=\"schema-faq-question\">What is the current EPFO interest rate?<\/strong> <p class=\"schema-faq-answer\">The EPFO interest rate is 8.25% for FY24.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>PF withdrawal limit has been raised from Rs 50,000 to Rs 1,00,000. The announced made by the Union Labour Minister [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":737,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[12],"tags":[],"class_list":["post-736","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-government-schemes"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>PF Withdrawal Limit: Subscribers Can Withdraw Up to Rs 1 Lakh - Tax Guide<\/title>\r\n<meta name=\"description\" content=\"PF withdrawal limit depends on the reason and the period of service. 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