I’ve been contributing to my EPF account for some time now, and in 2025 I’m considering making a withdrawal. Could you please explain how much of my EPF balance I am eligible to withdraw and under what conditions this is allowed?
I had a similar concern recently when I wanted to understand how much of my EPF savings I could actually withdraw. The Employees’ Provident Fund (EPF) is designed mainly for retirement, but the rules do allow partial or full withdrawal under specific situations.
Full Withdrawal of EPF:
You can withdraw the entire EPF balance in two cases:
• Retirement – when you turn 58 years old.
• Unemployment – if you remain unemployed for more than 2 months.
Partial Withdrawal of EPF:
If you are still employed, you may withdraw part of your EPF for specific needs such as:
• Marriage or education – up to 50% of your own contributions (after 7 years of service).
• Home loan repayment or house purchase – up to 90% of your balance (after 10 years of service).
• Medical treatment – up to 6 months’ basic wages or employee share plus interest, whichever is lower.
Key Point to Remember:
Withdrawals are allowed only under the conditions notified by EPFO.
The exact amount you can withdraw depends on your years of service and the purpose of withdrawal.
Official Reference:
For the most accurate and updated rules, you can always check the official EPFO website: