EPFO Clarifies New Rule: 75% PF Withdrawal Allowed After Job Loss
The Employees’ Provident Fund Organisation (EPFO) has officially clarified the withdrawal process for members facing unemployment. The move aims to provide immediate financial relief while also protecting long-term pension benefits.
What You Can Do Now
1️⃣ Immediate Support:
On job loss, members can instantly withdraw up to 75% of their PF savings. 💸
2️⃣ Balance Protection:
The remaining 25% can be accessed after 12 months of continuous unemployment, or it can be retained for pension continuity. 🏦
3️⃣ Pension Security:
The policy ensures your service history remains intact, helping you stay eligible for Employees’ Pension Scheme (EPS) benefits in the future.
4️⃣ Goal of the Reform:
To reduce early full withdrawals that disrupt retirement corpus and long-term security.
-Encourage members to keep savings invested for a steady pension later. 📈
Why It Matters
✔️ Provides instant liquidity during job loss.
✔️ Safeguards retirement and pension eligibility.
✔️ Ensures members don’t lose the benefit of continuous EPF service.
✔️ Reflects EPFO’s shift from short-term payouts to long-term social security planning.
In Short: You can access 75% of your PF right away after job loss, while keeping the rest safe for your pension — a smart mix of relief + retirement readiness!
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Sudheendra Kumar ( Mobile /WhatsApp: 91-9820088394)
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