EPF Withdrawal Via UPI Soon? 5 Things Subscribers Should Know | Savings and Investments News

Last Updated:February 23, 2026, 12:31 IST

EPFO will soon let subscribers withdraw up to 75 percent of EPF funds instantly via UPI, with direct bank transfers, using the UAN portal, UMANG app, or a new mobile application.

EPFO soon allows users to access PF amount via UPI

The EPF subscribers will soon be able to withdraw funds (a portion of their provident fund savings) via the popular and common digital payment method Unified Payments Interface (UPI) with funds credited directly to their linked bank accounts. The Employees’ Provident Fund Organisation (EPFO) is preparing to launch this new facility very soon, according to an earlier report of CNBC-TV18.

The report added that EPFO is currently testing the system using around 100 dummy accounts to address technical issues and ensure system stability ahead of the public rollout.

The UPI option is expected to work with the existing access framework, including the UAN portal and the UMANG app.

What Will Change With This New Facility?

1) Under the proposed system, members may withdraw up to 75% of their available EPF balance instantly through UPI. The service is expected to be rolled out in April through a new mobile application as well as a dedicated window on the EPFO portal, the CNBC TV-18 report added.

2) Subscribers will be able to log in to view their available balance and initiate withdrawals by selecting a valid reason such as illness, education, marriage, or housing. The eligible amount will then be transferred directly to the savings bank account linked to the PF account.

3) The transaction will be authenticated using the subscriber’s UPI PIN and routed through the UPI payment gateway, enabling near-instant settlement. At present, while EPFO’s auto-settlement mode clears claims of up to R 5 lakh within three days, the UPI-based system is expected to significantly reduce timelines.

4) As per existing EPF rules, members can withdraw up to 75% of the available balance immediately, while 100% withdrawal is permitted only if the subscriber has remained unemployed for at least one year.

5) In addition to withdrawals, the new interface will allow users to check their EPF passbook balance and access other account-related services.

EPFO processes over 5 crore withdrawal claims annually, most of them partial withdrawals. The UPI-enabled system is expected to ease administrative pressure while improving access for millions of subscribers.

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