EPFO Simplifies PF Withdrawals: 100% Access Possible After 1 Year Service!

• EPFO has simplified PF withdrawal rules, consolidating 13 categories into 5, effective 2025.
• A uniform minimum service period of 12 months is now required for most partial withdrawals.
• Withdrawals can now include both employee and employer contributions, plus interest, allowing up to 75% access.
• 100% PF withdrawal is possible after one year for medical, education, marriage, and housing needs.
• Safeguards remain to protect long-term savings, with about 25% of PF balance ring-fenced.

Why It Matters: EPFO has significantly eased PF withdrawal rules, making access faster and more employee-friendly from 2025.