EPFO 3.0: PF Withdrawal for Housing - Rules, Limits & Faster Process Explained

• EPFO 3.0 streamlines online PF withdrawal for housing, but existing limits under paragraphs 68B, 68BB, and 68BD remain unchanged.
• Eligibility requires active UAN, KYC, and property in your/spouse's name; 3-5 years service for buying/building, 10 for loan repayment, 5 for renovation.
• Withdraw up to 90% of PF balance or 36 months basic salary + DA (whichever is less) for buying/building a house.
• For home loan repayment, up to 90% of PF balance; for renovation, 12 months basic salary + DA, both limited to a few times in a lifetime.
• Online claims are processed within 3 working days; beware of TDS if withdrawing before 5 years and avoid 100% withdrawal for retirement safety.

Why It Matters: EPFO 3.0 simplifies housing PF withdrawal process, but limits and eligibility criteria are unchanged.