How To Withdraw EPF Money via UPI? Step-by-Step Guide to Instant PF Withdrawal

The Employees' Provident Fund Organisation (EPFO) is set to introduce a new feature that will allow its members to withdraw their provident fund (PF) money through UPI. The facility, expected to roll out by May or June this year, will enable users to receive funds directly into their bank accounts using apps like Paytm, Google Pay, and PhonePe.

Currently, EPFO members face delays as withdrawals are processed through bank transfers, which can take several days.  The planned UPI integration seeks to eliminate these delays and provide instant access to funds, particularly useful in emergencies.

How the UPI-Based Withdrawal Will Work

While the feature is yet to be launched, here is how it is expected to function:

1. Access UPI Platform – Open a preferred UPI app and select the ‘EPFO Withdrawal’ option (once available).
2. Enter UAN – Provide the Universal Account Number (UAN) linked to the EPFO account.
3. KYC Verification – Ensure Aadhaar, PAN, and bank account details are verified.
4. Select Withdrawal Type – Choose between full withdrawal (post-retirement or unemployment) or partial withdrawal for specific needs like medical emergencies, education, or home loans.
5. Enter Amount – Input the withdrawal amount, following EPFO’s guidelines.
6. Authenticate Transaction – Use a one-time password (OTP) sent to the registered mobile number.
7. Receive Funds Instantly – Upon successful verification, the amount will be credited to the UPI-linked account.

Current Withdrawal Process 

Currently, EPF withdrawals can be made through the EPFO e-SEWA portal by logging in with a UAN and password, verifying KYC details, selecting a withdrawal type, and submitting a claim. Online claims are settled within 72 hours, while offline claims take up to 20 days.