EPFO 3.0: How to Withdraw PF Funds Via ATM and UPI
Starting April 1, 2026, EPFO introduces significant changes to withdraw PF funds via UPI and ATM under its new system, EPFO 3.0. The upgrade enables instant access to your provident fund for emergency situations like job loss while maintaining a safety net for the future.
Highlights
- •EPFO 3.0 - Simplifies PF withdrawal via UPI and ATM with immediate credit.
- •Instant PF withdrawal up to 75% in case of job loss within one month.
- •Eligible through active UAN, Aadhaar registration, and updated bank KYC.
- •Maximum limit on withdrawing funds through ATM or UPI.
Starting April 1, 2026, the Employees' Provident Fund Organization (EPFO) will launch EPFO 3.0, introducing significant changes to how you can access your provident fund via ATM and UPI. This upgrade promises rapid, efficient, and seamless withdrawal processes.
Instant Withdrawal Process with UPI
Under the new system, EPFO will enable members to withdraw their PF funds instantly through UPI. Once you make a request on your UPINode portal or Umang app, money will be credited to your bank account within minutes. This change allows you to manage sudden expenses such as job loss with ease.
Specifically, if an employee loses their job, they can withdraw 75% of their PF immediately to cover daily necessities. The remaining 25% stays secure in the account for a month; extended till the next employment if not secured within that period. This feature ensures financial stability during unemployment.
To make a UPI withdrawal:
- Access the EPFO portal or Umang app
- Select the UPI withdrawal option
- Enter the desired amount for withdrawal
- Confirm via your UPI PIN
Funds will then be credited to a UPI-enabled account. At the ATM, select the QR Cash option and scan the provided code to withdraw cash.
Eligibility & Requirements
To qualify for these new withdrawal options, you must ensure your UAN (Universal Account Number) is active and linked with Aadhaar. Additionally, the mobile number associated with UAN should be registered under Aadhaar and the UPI app. A fully verified bank KYC via employer update is also a prerequisite.
EPFO's regulations limit maximum withdrawal amounts to 50% of your balance through both ATM and UPI channels. This policy aims to enhance members' ability to manage daily expenses while keeping sufficient funds for emergencies.
Who Can Withdraw PF Balance?
To withdraw PF via ATM and UPI, you need an active Universal Account Number (UAN). Furthermore, the mobile number must be aligned with both Aadhaar and UAN. Lastly, ensure all KYC documents are in place – including Aadhaar, PAN card, account number, and IFSC code.
