Partial EPF Withdrawal 2025: The Employees’ Provident Fund Organisation (EPFO), under the Ministry of Labour and Employment, Government of India, helps workers save for their future through the Employees’ Provident Fund (EPF). Sometimes, employees need to access part of their EPF savings for important.
System: significant life occurrences, such as home purchases or medical crises. This guide explains the rules, eligibility, and process for partial EPF withdrawal in 2025, so employees and employers can follow the rules easily. Updated as of 31st July 2025, this information ensures compliance and clarity.
What is Partial EPF Withdrawal?
Partial EPF withdrawal, or an advance, allows employees to withdraw a portion of their EPF savings for specific purposes without closing their account. This helps meet financial needs while keeping the account active. Partial withdrawals from the EPFO are permitted for marriage, education, medical care, and home purchases.
Eligibility for Partial EPF Withdrawal
Employees can apply for partial withdrawal if they meet these conditions:
- Have an active UAN (Universal Account Number) linked to Aadhaar.
- Have completed the required contribution period (e.g., 7 years for housing, 5 years for medical treatment).
- Meet specific purpose-based criteria (e.g., medical expenses, marriage, or education for self or children).
Rules for Partial Withdrawal
The EPFO has set limits and conditions for partial withdrawals in 2025:
- Housing: Up to 90% of the EPF balance for home purchase or construction (minimum 7 years of service).
- Medical Treatment: Up to 6 times the monthly wages for self or family treatment (no service period requirement).
- Marriage/Education: Up to 50% of the employee’s contribution for marriage or children’s education (minimum 7 years of service).
- Repayment of Home Loan: Up to 36 months’ wages for loan repayment (minimum 10 years of service).
- Unemployment: Up to 75% of the EPF balance after one month of unemployment, and the remaining 25% after two months.
Withdrawals are subject to employer verification and EPFO approval.
Process for Partial EPF Withdrawal
Here’s how to apply for a partial withdrawal:
- Log in to the EPFO Member Portal (https://unifiedportal-mem.epfindia.gov.in) using your UAN and password.
- Go to “Online Services” and select “Claim (Form-31, 19, 10C & 10D).”
- Choose the withdrawal purpose (e.g., housing, medical) and enter the required amount.
- Submit KYC details (Aadhaar, PAN, bank account) for verification.
- Upload supporting documents (e.g., medical certificate, marriage invitation).
- Employers verify the application via the Employer Portal.
- EPFO processes the claim within 10–20 days, and funds are credited to the linked bank account.
Important Dates for 2025
- Contribution Periods: April–September (returns due 11th October 2025) and October–March (due 11th April 2026).
- KYC Update Deadline: Ensure Aadhaar-linked KYC is updated by 30th June 2025 for seamless processing.
