Nowadays, problems in the job world have increased a lot. Sometimes the company gets closed, sometimes the job is lost, and sometimes due to some reason we ourselves have to leave the job. In such a situation, the biggest fear is that what will happen to our PF now, will the money we have deducted from our salary for years? Will it all sink? If you also have such questions in your mind, then let us tell you today that if you have lost your job or you have left it yourself, then what will be the condition of your PF account and the money deposited in it?

Does the money deposited in PF account sink?

Even if you have lost your job and now no new deposit is being made in your EPF account every month, you do not need to panic. Your money remains completely safe. The rule of EPF Organization (EPFO) is that even if contribution is not received in an account for some time, the deposited amount still remains there, neither it disappears nor disappears. Even when you leave the job and no new contributions come in, interest continues to be earned on your old balance for the first three years.

When does PF account become active?

If there is no new contribution in the account for 3 consecutive years, then EPFO ​​considers that account as active. This means that now you will not get interest on it, but your principal amount and all the interest till now remains safe. You can withdraw the amount whenever you want. Also, according to the rules of EPF, if you have been unemployed for more than two months, then you are entitled to withdraw money from your account. If you want, you can withdraw some part or even withdraw the entire amount.

Always keep KYC and Aadhaar updated

Many times people do not update KYC in their old account, due to which it becomes difficult to withdraw money later. Therefore, always keep your Aadhaar number, bank account, PAN card and mobile number updated in your EPF account. If you have multiple PF accounts, merge them into one. You can do this work easily from EPFO ​​website or Umang app. This will not only make it easier to keep an eye on interest and balance, but there will also be no problem in making any claims in future.

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EPFO New Rules: Crores of employees in the country have PF accounts. In these, a fixed amount is deposited every month on which interest is also received. After retirement, people can withdraw the money deposited in their PF account. Employees Provident Fund Organization i.e. EPFO ​​has now changed the rules for this.

With this step, retired people will not face any problem in withdrawing money. Rather, the process will become easier and safer than before. How will retired EPFO ​​employees benefit from the new rules? What is this new change? Let us tell you the complete information.

What does the new rule for PF withdrawal say?

For all the PF account holders in the country, it has now become easier than ever to withdraw PF after retirement. Earlier, employees had to submit many types of documents to withdraw money. But now under the new rules this will not have to be done. That means members will be able to withdraw their money without providing any document or reason. According to the current rules, if a person is unemployed for one month.

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So he can withdraw up to 75 percent of his EPF balance. The remaining 25 percent can be withdrawn later. Union Minister Mansukh Mandaviya said that this change has been made keeping in mind the convenience of the employees and their financial security after retirement. The new rule has not only simplified the withdrawal process but has also increased transparency.

It will be necessary to maintain minimum balance

Employees will have to keep at least 25 percent of the amount in their EPF account as minimum balance. This is so that members continue to get the benefit of 8.25 percent annual interest and compounding. Earlier people used to withdraw the entire money as soon as they left the job. Due to which his pension duration was broken. Minimum ten years of service is required for pension.

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With this rule, members will now be able to continue their service period and the amount of pension they will receive in future will also not be affected. According to EPFO, this change will not only provide financial security to retired employees. Rather, they will also get the benefit of interest and long-term stability.

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An essential part of the earnings of every job is saved for the safety of his future. Which we call PF i.e. Provident Fund. This scheme, run through EPFO ​​in India, is not only a means of savings, but also a strong economic support after retirement. Every month 12 percent of the salary of the employee is deposited in the PF account and the same contribution is made by his company. This amount increases gradually every month, and the government also pays interest on it. The aim of this is that when a person retires or becomes financially weak, then he can get support from this deposit.

Although EPFO ​​also allows the account holders to withdraw money from their PF account in some important circumstances, such as buying houses, children’s education, marriage, medical emergency or unemployment, but do you know that there are some expenses and works for which you cannot withdraw money from your PF account. In such a situation, let us know what things or works cannot withdraw money from PF account.

PF cannot withdraw money for these things

1. As long as you are in the job, you cannot withdraw full money of PF – If you are still working somewhere, then you cannot remove the entire PF balance. The EPFO ​​allows only those people to remove the full and final settlement of PF, who have retired or have been without jobs for at least 2 months.

2. Daily expenses, hobbies or PF cannot be removed for walking – If you think that you have to take a new mobile by withdrawing PF money, buy a car, or go on a tour, then you cannot do it. The withdrawal of PF is done only due to some necessary reasons, which are fixed in EPFO ​​guidelines.

3. To clear the loan, you cannot remove PF for stock market, mutual funds, or other investment – You cannot invest in stock market or mutual funds with your PF money. Also, you cannot withdraw its money to clear the loan. This money is kept safe only for special circumstances so that you can use it after retirement or in emergency.

4. Can not withdraw PF money to buy a house or car – Many people think that they can buy home, car or bike with their PF money, but EPFO ​​does not allow it.

6. PF cannot be extracted to avoid tax – Some people think that TDS will not be deducted by filling the form 15G or 15H, but if you close the PF account before 5 years and the amount is more than 50,000, then the TDS will be deducted. In this, the tax does not be deducted by keeping the PF account running for at least 5 years.

7. Withdrawal in the name of marriage or education – Some limitations and conditions are fixed to withdraw money from PF. You can withdraw money once for children’s education or marriage, but every time these reasons cannot be withdrawn.

8. Document withdrawal in the name of medical expenses – If you want to remove PF for the treatment of a disease, then you have to give a solid medical document. Money cannot be withdrawn only in the name of medical expenses.

9. Can’t withdraw money by closing PF account – Some people think that as soon as you leave the job, stop the PF account and withdraw money, but this does not happen, unless you are unemployed at least 2 months, you cannot withdraw your PF balance.

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EPFO Alert 2025: If you also withdraw money from your PF account by giving wrong and false information, then be careful today. Employees Provident Fund Organization (EPFO) has issued a warning to its EPF customers. EPFO has told in its social media post that if you withdraw your EPF money by giving wrong reasons, then it can be recovered back. Along with this, penalty can also be applied.

EPFO gave information on X

EPFO wrote a post on the social media platform X (Twitter) and informed that the EPF scheme can be recovered under the EPF scheme 1952 due to wrong reasons. Use PF money for future security and only correct reasons. Your PF is your life safety shield. “

Learn when to withdraw PF money

In the EPF scheme 1952, it is clearly told when you can withdraw PF money-

• Marriage (of his own, children or your siblings)
• For children’s education
• During the time of serious illness
• While buying or building a house

If you withdraw the money of PF by telling these problems and use these money in other work, then the EPFO ​​can withdraw the entire amount from you. Also, interest can be imposed on your amount taken.

Section 68B (11) Rule

Under section 68B (11) of EPF, if you are found misusing this fund, you will not be able to do any withdrawal for the next three years. Also, no advance approval will be given until you deposit the entire amount with interest. The APF has tried to secure the future of customers with this rule so that they use their PF money for a safe future.

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Almost every jobman has a PF account and people consider it to be the most trusted option of their savings. This account is not only useful for retirement. Rather, it also helps even when needed. Till now, you have to claim online to withdraw money from it and after the claim is approved, it takes several days to come to the account account.

Because of this, many times people get upset in emergency. Now preparations are being made to make this process easier and fast. After changing the rules, withdrawing money from PF will be very smooth beforehand and the employees will get quick relief.

PA money will reach the account in minutes

It will now be easy for crores of employees of the country to withdraw from PF account. Let us tell you that this year a big change is going to come. Employees Provident Fund Organization i.e. EPFO ​​is going to launch 3.0 platforms soon. At present, employees process online claims to withdraw money from their account. But it takes time.

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Now after the new facility, you will be able to withdraw money within minutes through UPI and ATM. This will directly benefit about 8 crore account holders. Not only withdrawing but also updating the details and the claim process will also be faster than before.

ATM and UPI will work easier

With the arrival of EPFO ​​3.0, PF withdrawal will be very simple for employees. In this, employees will be able to withdraw money directly from the ATM after linking their UAN number to Aadhaar. For this, separate ATM cards will be issued by EPFO. Which will be called EPFO ​​withdrawal card.

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This card will act like a bank ATM card and will be directly connected to the PF account. That is, as you withdraw money from the normal ATM. In the same way, you can easily withdraw money from this card. Apart from this, if someone wants to withdraw money from UPI, he can withdraw money by linking his UPI account to PF account.

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Pf withdrawal rules: All the jobs working in India have PF account. The PF account works as a savings account in a way. 12% of the employee’s salary is deposited. Contribution is also given in this account by the company. You also get interest on the amount deposited in this account from the government.

So at the same time, you can also withdraw the amount present in the PF account at any time. For which tasks you can withdraw money from your PF account. And what will be the process of withdrawing money from PF account. Let us tell you. Complete information about this.

You can withdraw money from PF account on these occasions

PF accounts are operated by Employees Provident Fund Organization i.e. EPFO. According to the rules of EPFO, you can withdraw the amount deposited in your PF account in an emergency situation. Talking about them, if you have got any kind of serious disease and you need a lot of money to get treatment. So in such a case, you can withdraw the deposit in your PF account.

https://www.youtube.com/watch?v=rccnoiefgmm

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Apart from this, you can also withdraw the deposit in the PF account for the education of your children. On the other hand, if someone is married in your family and money is needed. Even then you can withdraw money. If you are thinking of buying a house. And the money is falling short. So you can still withdraw money from PF account. Apart from this, if your house has to be renovated. For that too, you can withdraw money from eating PF.

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In this way you can withdraw money online

To withdraw money deposited in PF account, you have to go to the official website of EPFO ​​https://www.epfindia.gov.in. Here you have to enter your UAN number and password and login. After this, you have to verify your account and click on the option of “Proceed for Online Claim”. Then you have to select PF Advance Form 19.

And have to enter the entire details. If your Aadhaar card is link. So you have to verify by entering your account number. After this, you will have to verify with Aadhaar by giving your consent and select the reason for withdrawing money in the last and submit the form.

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