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How Much PF Can I Withdraw? Worked Examples (2026)

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Worked examples
  2. Less than 12 months of membership
  3. How often
  4. Frequently asked questions
  5. Sources
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Your job now
Total PF service

While working, after 12 months of membership: up to 75% of your EPF balance (your share + employer's EPF share + interest). After leaving a job: 75% now, the rest after 12 months without work. At retirement after 55: 100%. The pension (EPS) money is separate. Use the withdrawal checker for your own numbers.

Worked examples

All examples assume an EPF balance of ₹4,00,000 (employee share ₹2,40,000 and employer EPF share ₹1,60,000, including interest).

Still working, 3 years of membership

EPF balance₹4,00,000
Minimum balance that must stay (25%)₹1,00,000
You can withdraw up to₹3,00,000

For any of the three categories: essential needs, housing or special circumstances. Under 5 years of service, TDS may apply if the amount is ₹50,000 or more (see tax).

Left the job and not working

Straight away (75%)₹3,00,000
After 12 months without a job (the rest)₹1,00,000 + interest
Pension money (if service under 10 years)After 36 months

Retired after 55

Full settlement₹4,00,000 + interest to date
PensionMonthly from 58 if 10+ years of service

Less than 12 months of membership

You can't take a partial withdrawal yet. Count all your PF service: if you transferred PF from earlier jobs, that time counts too.

You have more than 12 months of membership, so the 75% limit above applies to you while you are working.

How often

Frequently asked questions

Is the 75% worked out on my total PF or only my share?

On your total EPF balance: your share plus the employer's EPF share, with interest. The pension (EPS) money is separate and not part of it.

If I withdraw 75% now, can I withdraw again later?

Yes, as your balance grows again, within the limits on how many times you can claim for education and marriage. The 25% minimum always stays while you are working.

Sources