The Employees Provident Fund Organisation (EPFO) ​​​​has made major changes in the rules for withdrawing PF in 2025. More than 7 crore people in the country have money deposited in the EPFO ​​​​and these new rules are very important for all of them. Now withdrawing PF has become easier, faster and digital than before. If you are also a member of EPFO ​​​​and want to withdraw your PF money, then know the 5 important conditions that you have to fulfill this time.

1. UAN and mobile number must be active

    First of all, your Universal Account Number (UAN) should be active. Also, the mobile number you gave for UAN activation, that mobile number should be active and with you. Because while withdrawing PF, you will get an OTP on this number, which is necessary to verify.

    2. Aadhaar number should be linked in EPFO

      Your Aadhaar number should be linked in the EPFO ​​​​system. When you claim to withdraw PF online, e-KYC is done through OTP from Aadhaar for your identification. Without linking Aadhaar, PF withdrawal will not be possible.

      3. Bank account and IFSC code must be registered

        Your PF money goes directly to your bank account, so it is very important that your bank account number and IFSC code are correctly entered in the EPFO ​​​​database.

        4. PAN card must be in EPFO ​​​​(if service is less than 5 years)

          If your job is for less than 5 years and you want to make final settlement of PF, then it is mandatory for your PAN to be recorded in the records of EPFO.

          5. Joining date should be available in EPFO

            The date of joining your job should be in the records of EPFO. Even if this information is not available, the PF claim process can be affected.

            Also read: EPFO ​​new rules 2025: 5 major changes all EPF members need to know

            No hassle of documents, online application is the proof

            It is clearly written on the EPFO ​​website that you do not need to submit any additional documents for online PF partial withdrawal. Your online claim filing is considered a kind of self-declaration.

            When and why can you make partial PF withdrawal?

            Partial withdrawal of PF can be used for many important reasons, such as-

            To buy a house or build a house

            In case of factory closure or lockout

            For illness of self or a family member

            Marriage (self or family member)

            For children’s education (post matriculation)

            In case of natural disaster

            Due to reasons like power cut

            To buy equipment for a disabled person

            Apart from this, if you are above 54 years of age, you can take a partial loan even before retirement.

            How to claim PF online?

            Login to EPFO ​​website with UAN and password.

            Update KYC and service related information correctly and completely.

            Apply for partial (Form 31) or full withdrawal (Form 19) as per your requirement.

            Complete your claim by authenticating with OTP received on mobile.

            What else did EPFO ​​change in 2025?

            Updating profile is now very easy: With Aadhaar linked, information like name, date of birth, gender, marital status can be updated online without documents.

            Fast transfer of PF: Now it has become easier than before to transfer PF while changing jobs, and the need for employer’s approval has been reduced.

            UAN and joint declaration completely digital: Now joint declaration can be submitted online as well, provided Aadhaar is linked.

            Centralized pension payment: Now the pension will be sent directly to the bank account through NPCI, so there will be no delay in pension payment.

            Pension rule clear on high salary: Those who have higher salary can avail pension by making additional contribution.

            Also read: EPFO adds 1.46 million members in March

            Summing up…

            These new EPFO ​​rules of 2025 are to make the process of withdrawing and transferring PF easy, transparent and digital. If you also want to avail the facility related to PF, then keep in mind the conditions mentioned above so that your money can reach your bank account directly without any hindrance.