EPF Withdrawals Now via UPI & ATM | Advance Limit Increased to ₹5 Lakh

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EPF Withdrawals via UPI & ATM | ₹5 Lakh Advance Limit Update

🚀 EPF Withdrawals via UPI & ATM | ₹5 Lakh Advance Limit Now Active

EPFO now allows UPI and ATM-based EPF withdrawal with ₹5 lakh advance limit

The Employees' Provident Fund Organisation (EPFO) has announced a game-changing update for over 27 crore employees in India. Now you can withdraw your EPF:

  • 💳 Via UPI or ATM-enabled Aadhaar card
  • 📲 Through the EPFO Member Portal or the UMANG App
  • 💰 Claim up to ₹5,00,000 in advance (up from ₹1 lakh earlier)
Note: This feature is rolling out in phases and may take time to reach all regions. Ensure your UPI ID and Aadhaar are updated in EPFO KYC.

✅ What's New in EPF Withdrawal (June 2025)

1. EPF Withdrawal via UPI & ATM

UPI-based withdrawal means you can now receive your PF money instantly to your UPI-linked bank account. Simply add your UPI ID (e.g., yourname@upi) to your EPF KYC details.

ATM-enabled Aadhaar cards will also allow you to withdraw directly from EPF once linked and authenticated with biometric or PIN verification.

2. Advance Withdrawal Limit Increased to ₹5 Lakh

Employees can now take up to ₹5 lakh as an advance for situations like:

  • 🏥 Medical treatment
  • 🏠 Home construction or purchase
  • 🎓 Education of children

This increase offers more liquidity to salaried individuals during emergencies or major life events.

📲 How to Withdraw EPF Using UPI

  1. Login to EPFO Member Portal or open the UMANG App
  2. Go to Manage → KYC and add your UPI ID
  3. Navigate to Online Services → Claim (Form-31, 19, 10C, etc.)
  4. Select Withdrawal Type and choose UPI option
  5. Submit and wait for real-time processing
📌 Make sure your Aadhaar, PAN, and UPI ID are verified and linked properly to avoid delays.

🔐 Security Measures

  • Only verified UPI IDs linked to your Aadhaar and bank account are accepted
  • ATM withdrawals will use biometric or OTP validation
  • All processes are encrypted and safe through EPFO systems

🎯 Why It Matters

  • ⏱️ Real-time access to your hard-earned PF
  • 📉 No need to depend on employer approvals or bank delays
  • 📱 Fully digital and paperless experience via UPI and mobile apps

✅ Ready to Use This Feature?

👉 Update your KYC on the EPFO portal now and link your UPI ID for instant withdrawals. Your money, your control!

Visit EPFO Portal
Download UMANG App

Smart Step Tip: Always keep your contact details and KYC updated on the EPFO portal for seamless transactions.

Have doubts or experiences to share? Drop your comment below or share this with friends and family who need to know!

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