Access Interest-Free Funds for Medical Needs or Home Buying: Discover the Withdrawal Process
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Medical Emergency or Home Purchase? Get Interest-Free PF Advance! Learn How to Withdraw
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News18•02-03-2026, 16:02
Medical Emergency or Home Purchase? Get Interest-Free PF Advance! Learn How to Withdraw
•Employees can withdraw interest-free advances from their PF accounts for medical emergencies or buying/building a home.
•The process for 2025-2026 is simplified: apply online if UAN, Aadhaar, PAN, and bank details are linked.
•For medical emergencies, withdraw up to six months' basic salary plus DA, or employee contribution with interest, whichever is less; no minimum service period.
•For housing, withdraw up to 24 months' basic plus DA for a plot, or 36 months' basic plus DA/total PF balance/property cost for a house/flat (up to 90% in some cases).
•Apply online via UAN portal using Form 31; funds usually credited within 10-20 days. TDS may apply if withdrawn before five years without linked PAN.
