EPFO 3.0 new rules: Can you withdraw 100% of PF retirement corpus through ATM?

The Employees' Provident Fund Organization (EPFO) is set to implement UPI and ATM-based withdrawals under the EPFO 3.0 framework, enabling members to immediately withdraw qualifying PF balances (often up to 75%) straight to their bank accounts without usual verification delays.

Under EPFO 3.0 rules, members can withdraw up to 75% of their retirement corpus. The ATM withdrawal facility will apply to the EPF balance, including employee and employer contribution toward PF.

The Ministry of Labour & Employment has highlighted the benefits of recent EPFO reforms aimed at improving the ease of living for crores of EPFO members. In October 2025, the government notified these changes, saying the reforms are designed to simplify Employees’ Provident Fund (EPF) withdrawal rules, improve access to provident fund savings, and make the system more member-friendly. The new rules also allow you to withdraw 100% of your EPF corpus under special circumstances.

Retirement after attaining 55 years of age

Permanent disability

Incapacity to work

Retrenchment

Voluntary retirement

Leaving India permanently

Now, 75% of the PF balance can be withdrawn immediately after losing employment. The remaining 25% can be withdrawn after 12 months of unemployment. Earlier, partial withdrawal was allowed with restrictions.

In order to encourage members to meet the 10-year eligibility for getting pension and to allow his/her family to be eligible for benefits in case of his/her death, the proposed provision allows EPFO members to withdraw pension accumulation after 36 months instead of 2 months. This will ensure long-term social security in the form of pension for the member and his family.

For a hassle-free withdrawal of the PF amount, the following conditions need to be met. Activation of the Universal Account Number (UAN)

The mobile number linked to the UAN card should be in working condition

Linking of UAN with KYC documents like Aadhaar, PAN, account number and the IFSC code.