EPFO 3.0 Revamps Withdrawal Rules: What Changes for Your PF Money?

• EPFO 3.0 introduces new partial withdrawal rules for flexibility and uniformity, approved by Central Board of Trustees.
• Unemployment: 75% withdrawal immediately, but full withdrawal only after 12 months of continuous unemployment.
• Pension Withdrawal after job loss: Waiting period extended significantly to 36 months from 2 months.
• Education & Marriage: Increased withdrawal frequency (up to 10 times for education, 5 for marriage).
• Housing (purchase/construction): Minimum service requirement reduced to 12 months; faster digital processing for loan repayment.

Why It Matters: EPFO 3.0 balances financial discipline with subscriber needs, offering flexibility but tightening pension access.