6 reasons for which you can withdraw from your EPF – like Buying House, Medical treatment, Marriage etc !

Yes, you read it right ! . Most of the people do not know that they can withdrawal partially from their EPF account even when they are in the job for some specific and important reasons in life like buying house, marriage and paying for education fees.

Today I am going to share with you this very hidden and not so known information about EPF partial withdrawal. EPF is an important part of most of the salaried individuals, but there is lack of awareness of how it can help you at times when you are pressed for money in life. If you have worked for several years like 5-20 yrs already, you have accumulated a good amount in your EPF (Employee Provident Fund), but most of the people feel that its locked in and they will only be able to get it only at the time of retirement or will be able to withdraw/transfer it when they leave their job.

EPF withdrawal for house purchase, marriage or medical emergencies

6 situations when you can withdraw money from EPF account while you are working

Here are those 6 major milestones in life or reasons for which you can take out the money from EPF account

  • For Marriage Purpose of Self, Sibling and Children
  • For Education of Self + Children
  • Purchase/Construction of House or Flat
  • Repayment of Existing Home Loan
  • Repairs/Alteration of Existing House
  • For Medical Treatment

Different rules for different situations

Para 68 of Employee Provident Fund Act 1952, defines how much you can withdraw, under which condition, after how many years of service and finally how many number of times. But before you move forward, its important to understand two important terms – which are “wages” and “years in service”.

You should know these two terms because how much you can withdraw for some reason has some restrictions and defined like this  – “You can withdraw maximum 36 times your monthly wages, only after 5 yrs of service”. So you will get confused on the terms like wages and years of service . Most of the people confuse “wages” with the monthly take home salary or gross salary and do not understand how to calculate “yrs of service” because they have changed their jobs and keep moving from one company to another and have not transferred their old EPF account to new one. So lets understand these two critical points

What is the meaning of “Wages” ?

Wages means Basic Salary + DA (if any) . So if you are earning Rs 80,000 per month take home,. but your Basic Salary + DA is only Rs 25,000 per month and rest 55,000 is other components, then for calculation purpose – “wages” will be Rs 25,000 only and not Rs 80,000 which is generally confused with.

What is the meaning of “X yrs of Completed Service” ?

How old is EPF account is the sum total of how many years you have worked. Do not confuse it with how long are you are employed in current job. Because Employee Provident Fund (EPF) is a centralized pension system, if you ave worked for 3 yrs , 4 yrs and 2 yrs in 3 different companies, then your EPF account would be considered as 9 yrs old, provided you have transferred your old EPF accounts to the current one. So in this example which I just gave, even if your current job is 2 yrs old, if you have transferred your old EPF to your current one, your “yrs of service” will be 9 yrs, and then you will be eligible for many benefits which we are going to talk in this article.

Incase you have not transferred your old EPF account to current EPF account, then in that case you will be at loss, because there is no data of your past employment in the current EPF account and you suddenly might not be eligible for various withdrawal benefits, because many of them require atleast 5 or 7 yrs of service. So the first step you should do is transfer your old EPF to your new EPF account. Incase you have been facing issues while transferring your EPF account, file a RTI now and get it done ! 

What is Form 31 ?

Form 31 is the main form which one has to fill and submit to employer inorder to withdraw money for various important situations mentioned above. Along with form 31, you also need to provide specific documents depending on the case. You can either ask for Form 31 from your employer or download Form 31 from EPF website. Fill this form and submit it to your employer who will then verify it and process it. Note that you should not send it directly to EPFO office, because it has to go through your employer only. Below is the form 31 attached if you want to have a look at it.

How will you receive the money from EPFO ?

When you fill up the form 31, you need to you need to fill up your bank details and also give a cancelled cheque and once your employer and EPFO verifies it and process it, you get the money through NEFT or RTGS in your bank account. Incase the amount is less then Rs 2,000, you also have option to get it via money order.

6 situations when you can withdraw from your EPF

Below are those 6 important reasons for which you can withdraw from your EPF , now I am going to explain each of them in detail. Here they are –

Reason #1 – Marriage for self, children and siblings

You can withdraw from your EPF account for the occasion of marriage if you have completed 7 yrs of service. You can avail this facility 3 times in life (during your service) and the maximum amount you can withdraw can not be more than 50% of the “Employee share” in EPF account. You should be clear that even Employer contributes to your EPF account and that is not considered for this withdrawal. So even if your EPF account total balance is Rs 10 lacs, that whole amount is not considered for calculation purpose, only your own contribution and interest on that amount is used for calculation purpose. This is appliable for the marriage of

  • Self
  • Son or Daughter
  • Brother or Sister

So for an example, lets say you have been working for 10 yrs and your sister’s marriage is coming up, you can withdraw money from your EPF account for this purpose. You will need to provide the full address of venue, marriage date in form 31, and also attach some proof of wedding like Marriage invitation or the bonafide certificate of the fees payable and give it to your employer for verification and processing.

Reason #2 – For Education of Self + Children

You can also withdraw for education expenses for self and children. This is valid only for post matriculation educational expenses. By post-matriculation, it means after 10th standard . So if you are admitting your child to any college or university for graduation or post graduation or any other professional course, you can withdraw from your EPF account. But this can be availed only after 7 yrs of service and the maximum amount you can withdraw is 50% of your own contribution.

This can be used for maximum 3 times in your lifetime, but this 3 times also includes the “marriage” as the reason. So the point is , for Marriage or Education purpose, you can withdraw for maximum 3 times in total.

Reason #3 – Purchase/Construction of House/Land

If you are planning to buy or construct a house OR purchase a land, you are eligible to withdraw some limited money from your EPF account once in lifetime. Here are some of the rules which you need to satisfy

  • The house/land should be on your name or your spouse name or jointly in the name of you and your spouse (no other combination is allowed)
  • You should have completed 5 yrs of service.
  • If you are purchasing land, the maximum permissible amount is 24 times monthly wages.
  • If you are purchasing or constructing a house/flat , then the permissible limit is 36 times monthly wages (including the acquisition of land also)

So for example – If you are buying a flat and your salary per month is Rs 80,000 , but your basic salary + DA (wages) is only Rs 25,000 per month, then for calculation sake, your wages is Rs 25,000. So as per rule, you can withdraw upto 36 times your monthly wage, which is 36 x Rs 25,000 = Rs 9 lacs from your EPF account. If you do not have that much money, then you will get less than 9 lacs. This is not a small amount if you think about it. When you take the home, there are so many costs involved and one is so hard pressed for money that time, Even few lacs is a big enough help.

The property in question should be free from any dispute or emcumbrances to avail this facility (here are 20+ terms you should know about real estate) . Also the property should be registered and a proof of registration must be given to get this facility.

Reason #4 – Repayment of Existing Home Loan

This one is surely going to move a lot of you readers I know :) . If you have a home loan, you can even withdraw some part of your EPF money to prepay your current home loan, but for that you need to have 10 yrs of service. However you can avail this only once in your lifetime, and this one time limit is clubbed with the last reason (3rd) above. So one can either withdraw money from EPF account for purchase/construction of house or repayment of house loan, not both ! .

The property must be in the name of self, spouse or jointly registered with spouse. A lot of people have a joint home loan with father, mother, siblings – but in those cases, you wont get this benefit. The amount you can withdraw will be 36 times of your monthly wages.

The money you will get under this clause, can be taken from self contribution and employer contribution in EPF. You will need to provide the proof for house agreement, sanction of house loan and some other documents as asked by the EPFO office. Also the money will be issued directly to the lender bank, not to you (incase you thought you can trick the EPFO and enjoy the money for some other purpose). Next, you can use the money from your self + employer contribution.

Reason #5 – Repairs/Alteration of Existing House

At times, when your house is little old (after many years), there comes a time when you want to make some alterations and changes in current house and it burns your pocket. You might want to do some construction work, or lets say change your home tiles, or add a new room in existing house. In all these cases, you can use EPF money for this purpose. However there are few rules

  • The maximum money you can take is 12 times your monthly wages
  • The house should be more than 5 yrs old after construction completion date.
  • You should have completed 10 yrs of service
  • You can avail this facility only once
  • The house should be in the name of self, spouse or jointly with spouse

Note that this money can only come out of your own contribution, not employer’s contribution

Reason #6 – For Medical Treatments

If you have health insurance, then well and good, but if you don’t have it and if you are hospitalized or have to undergo some major surgery, you might have to shell out a lot of money, but your EPF account can be of some help to you partially. You can withdraw money from your EPF (Provident Fund) for a medical treatment for self or anyone is family in following 3 situations (any one, not all)

(a) The hospitalization is for more than 1 month (for any reason), or
(b) major surgical operation in a hospital, or
(c) if one is suffering from T.B., leprosy, paralysis, cancer, mental derangement or heart ailment and having been granted leave by his employer for treatment of the said illness.

The best part is that you can withdraw the money anytime in your service. There is no requirement that, you must have completed X number of years in service. Even if you have been in service for just 1 yr or 2 yrs, you can still withdraw money for medical treatment – But at the same time, the maximum money you can take is limited to 6 months wages, which is not a very big amount, but still atleast you get some help and this option is there. This benefit can be taken anytime you want and for any number of times during your life time. So in a way, your EPF will come to your rescue in times of need, at least partially if not fully!.

But, there are few documents you will have to produce and give along with Form 31 and those are

  • A certificate from your employer which states that the Employees’ State Insurance Scheme facility and benefits thereunder are not actually available to the member or the member produces a certificate from the Employees’ State Insurance Corporation to the effect that he has ceased to be eligible for cash benefits under the Employees’ State Insurance Scheme
  • A certificate from eligible doctor stating the fact that hospitalization of one month is required or there is a requirement of a major surgical operation or certifying that one is suffering from the mentioned illness – i.e T.B , leprosy, paralysis, cancer, mental derangement or heart ailment.

All the rules mentioned in a single chart

So that was all the rules I wanted to tell you, I also want to give you a single chart which has all the above points at one place.

epf withdrawal chart for house purchase, marriage or education expenses

An example of someone with 10+ yrs of experience

To give you a more clear picture, here is a simple example which will help you understand how much a person is eligible to withdraw in money terms. I have assumed that a person has completed 10 yrs of service and his wages per month is Rs 20,000 and his current EPF balance is Rs 10 lacs.

epf withdrawal example house purchase


Your EPF account is primarily for your long term wealth creation, Do not use it only because the money is available through that because its a place where your money gets accumulated each month without your intervention. However in case of crisis situations and when you are not able to arrange for money from anywhere, its a good place to chip in and withdraw the money.

Let me know if you want to share any new information or have any doubts. I would be happy to answer them incase I know more

155 CommentsAdd Comment

  1. Harpreet Kaur

    Dear Mr. Manish,

    It is truly a wonderful piece of information. Thank you so very much, as always.


  2. Jack

    What about income tax on this withdrawal? I have taken some amount from EPF and I am not sure whether I need to declare it and how much.

  3. Govind Chaturvedi

    Thanks for a informative article.Its really nice to know that we can utilize our EPF money in crisis situation.

  4. chhayakant

    I have two queries,
    1) Does this withdrawl attract any tax?
    2) In case of SBI home loan, can this money be deposited in Loan Max gain account? or it can only be prepaid even putting in max gain account is not allowed?

  5. Nirmal Kumar

    Hi Manish,

    Do we need to repay the amount in monthly basis (like EMI) to our PF account for the amount that we made a partial withdrawal, considering we would be working ?


  6. priyajitgh

    Hi Manish,
    Hope u r doing well.I have one query.I am an employee of a PSU where I have EPF acount.Am I eligible to take NPS??

  7. Piyush

    Hi Manish,
    Thanks for the very useful information. I have a question on transfer of epf from old account to new account. Does the EPS amount of old account get transfered to the new account along with the epf amount.


  8. Raaghav Sharma

    Hi Manish,
    Very informative piece of knowledge.
    My question is in EPF there are two components, Employee`s contribution and Employer`s contribution.
    When you say Loan on EPF, is it applicable to sum of both these contribution or alone Employee`s contribution.
    Please answer.

  9. Sunil

    Dear Manish,

    1. What about the taxation part for the amount received.
    2. Is the % calculated on total available EPF amount or only on the employee’s contribution?


    • 1. NO tax to be paid on amount received under these benefits

      2. For different things, there are different rules, I have already mentioned in each benefit if money comes from whole EPF money or just employer or employee contribution


  10. Shankar


    Very detailed article. Thank you.

    You should throw some light on Pension fund which is part of the employer’s share of PF every month. The amount is small like 500 pm.

    I did some read up on this found that this part is meant for paying monthly pension post retirement but there are some conditions that I could not understand clearly. Apart from this the pension amount looked very less not sure I calculated correctly.

    Would be great if you can cover that as well.


  11. abhay.taneja

    This is really very informational article and appreciate for the efforts you always do to make people aware of all these facts. :)
    I have understood that there is no tax liability in case of EPF withdrawal for the 6 purposes mentioned in the article but one small question that I want to ask is I have seen people withdrawing the PF amount once they leave organization after sometime. So, are there any tax implications in case of this withdrawal?

  12. Sachin

    Hi Manish,
    What about VPF, if somebody has opted for some VPF, how its withdrawal is calculated..is it same as above or have some diff rules where it X time of monthly wages?

  13. Chandu

    Hello Manish,

    Actually i recently switched to new company and gone for new EPF Account :(
    Is there any way that i can merge this or can you suggest :)

  14. Venu

    Nice article Manish!! I belive EPF is something which we should try not to withdraw as much as possible.
    I just hope readers do not withdraw partial EPF just to reduce Home loan outstanding principle thinking, EPF now a days is 8.5 to 9% but Home loan is more than 10.5%. Readers have to remember, EPF is increasing compound and Home loan is decreasing compound.
    On long term, net amount received on 8.5% in EPF is much much higher than principle+interest paid to bank of 10.5%.

  15. navneet kumar

    Hi manish
    In crisis situation one can withdraw the money from EPF but it there any way to deposit the same amount of money which is withdrawn once crisis situation is over. Or is there any provision to take loan on EPF amount from epfo without withdrawing it?

  16. Chandrashekar

    Hi Manish,

    Thanks for sharing such a valuable article, will appreciate if you can throw light on tax implications attached on such withdrawals.

  17. Yajjat

    Hi Manish,

    Thank you for shaing the article.

    Please help me with solution for my girl friend’s problem.

    She worked with an organization for 8 years, resigned and joined another.
    She has not withdrawn the EPF from her first company. Now she needs to pay her housing loan. Can she withdraw the entire amount from the first company without transfering it into her new company.

    Please suggest

    • Actually if she is employed, then as per law she should be transferring it to new EPF, and not withdraw, but people do it .. but even if she does try to withdraw it , its not going to be easy and quick .. its going to take a lot of time , atleast 6-9 months !

  18. Kumar D V

    Hi Manish,

    Thanks for the nice article.
    I have one doubt. For example, My total experience is 6.5 years and have transferred all the money from my previous EPF accounts. My Basic salary in current company is 25K. But the accumulated amount in EPF acount is 2.5 lacks only. Now if I have to withdraw money from EPF account for the reason constructing home , how much i can withdraw ? How does the calculation goes here ?

  19. Ravindra

    Hi Manish,

    Thanks for providing such a nice information, its really helpful.

    I have some questions here …..

    I have completed 5 years in same organization and I would like to withdraw money from my EPF account for purchasing new house/flat. I have 2 questions as below.

    1. Basic salary which is used in calculation of withdraw amount is the current basic salary or the average of all basic salary till date(Basic salary changes as the salary gets updated) or the least basic salary in the 5 years tenure?

    2. In the 5 years, the amount accumulated in my EPF account is around 2 lacs and my current basic salary is 24k, so if I would like to withdraw my PF for the purpose of buying a new flat/house, as per your article above its 36 times of my wages(basic salary + DA), so for example, 24k * 36 = 8.64 lacs, so the question is, my accumulated PF for 5 years is 2 lacs and I am going to withdraw 8.64 lacs, is it possible? or I can withdraw only the accumulated amount?

    Please explain…

  20. Girish

    Thanks for the article, Manish.

    I am in the process of buying a flat and I am short of Rs. 4lakhs (yet to be paid to the builder) and Rs. 5lakhs (to be paid for registration) and around Rs.3Lakhs (for interior work). When I checked with my employer, I was told that though I am eligible to withdraw Rs. 12Lakhs, EPF loan amount cannot be used for property registration. They can only give the amount in the name of Builder. So, in this case, I could just avail Rs.4lakhs + Rs3.lakhs = Rs7.lakhs, directly to be given to the builder. Is this process accurate ? Is there an option to get a DD for my property registration from my EPF loan amount ?

    Thanks in advance.


      • Vivek

        Manish – thanks for the wonderful knowledge and insight. However just a quick correction here I think. Withdrawal for purchasing flat from PROMOTER will mean that the EPF member receives money in their own account rather than the builder.

        Unless you were purchasing a flat from an AGENCY.

        Now I don’t know the difference between an agency and promoter.


  21. Vinod

    Dear Manish,

    Thank you very much for your article.

    My PF original account is 5 years old and my current PF account to which I transferred the old one is 2 years old.

    If I push my entire monthly surplus income into VPF, can I withdraw the VPF amount completely from my PF account when I purchase house in the future (over and above the 36 times basic pay coming out of the EPF amount)?


    All I get is just the 36 times basic pay?

    Thanks in advance.


  22. Venkatesh

    Hi Manish, Wonderful article and you’ve covered most of the information that I was searching for on PF withdrawl.

    I booked a flat two years back, which is registered on Aug-2012 to my name while construction was going on. A year back construction is completed and I occupied the flat (Jun 2013). Also I have homeloan from past two years.

    I have PF account from past 6 years – am i eligible to withdraw amount?

  23. Vishal

    What if the money withdrawn for specified purpose like marriage or house construction but it is not utilised for the same reason than would it be taxable under income tax act , if yes than under what section

    • The thing is you will not get money in your account . You will directly get the cheque in the name of the authority , like for home loan , you will get a cheque in name of the builder itself !

  24. Manish

    will you tell me pls,
    If i hav completed 4 years service and my pf amount deposit is 80,000/-, what amount should i take as a advance loan on reason of house renovation.

  25. Rohit

    Hi Manish, a very detailed and well written piece.
    I am leave for higher studies in March, by when I have completed 4.5 years of working. Since I haven’t completed 7 years yet, I believe I am not eligible for withdrawing my PF OR Is there a way out?

    • You can withdraw your EPF anytime you want. Why do you think you are not eligible ? before 5 yrs , if you withdraw , it becomes taxables ,thats the only problem , rest is ok !


      • Rohit

        Manish, Thanks a lot for the response. Now if I wait for few more months till I complete 5 years of cumulative employment (I changed an employer in between), and then with draw PF, will I be completely exempt from any taxes?

        Best regards.

  26. mona

    Dear Sir,
    i would like 2 knw, due 2 some reason my name is in bankruptcy and is it would help 2 withdraw sm money frm my EPF? please advise me urgently or do you have any suggestion on tis.Hoope 2 hear frm u sooon sir.Thank u

  27. bandu narayanrao meshram

    dear manish,
    i am president of neeri thekedari mazdoor sangh nagpur. this office is a environmental research centre situated at wardha road nagpur-20 and there are 74 contract workers are working on technical post like draftsman , electrician, computer operator etc. the deputy chief labour commissioner, mumbai has passed the order two times under rule 25(v)(a)of contract labour (R&A) act 1970 in favour of contract workers. but the mgt of neeri challenged it to high court nagpur bench.
    i wanted to know from your side,that what type of minimum wages shoud be paid to above category till finalization of the court matter. and finally i thanks to you for giving very very useful information on withdraw of epf part payment.

  28. chetan

    Hi Manish,
    Thank you for shaing the article.
    I need one more information. After submitting form 31 to PF office, how many days they will take to approve this amount OR credit to our account.

  29. Vijay

    Hi Manish,
    Wonderful information, you are doing a great job with the eye-opener articles.
    I have a question with regards to PF Withdrawal, I would be completing 10 years in the current company by March 2015.
    1. I have an housing loan for my current house which is 5+ years old including a Top Loan
    2. I would be needing money for renovation
    3. I have an existing plot loan

    I am looking at PF withdrawal for either paying of the top-up loan, renovation or closing the plot loan.
    Which option would you recommend from the above? also if I repay some loan by PF withdrawal amount can I then use VPF since I will be saving on the EMI’s?
    In other words does it makes sense to close the high interest Housing Loan with PF withdrawal and increase the VPF contribution?
    Thanks in advance.

  30. Gopu

    Dear sir,
    Please help me

    I bought a flat and got it registered. made payment as well. now I am short of doing interior construction work. i got a quote from a guy .
    for this reason can i withdraw my PF.

    Also can they pass the amount to my bank account. or should i get a check leaf from the interior person.

  31. Subir Banik


    My father is a serviceman in bank sector. He had 4-5 year left to be retire. Recently he applied for epf loan and it sanctioned for my elder brother’s marriage. Now the marriage has been cancelled. The loan amount is nearly 4Lac.

    1) So is there any chance to cancel the loan and refund it.
    2) If there is any situation to refund it with any penal interest.
    3) Or can I give fake proof to keep the amount and spend it later for my brother’s marriage.

    Please help me to solve this problem. He is very tensed now. I read your blog. Please help me to have a solution.

    • I don’t think there is much issue on this . Why cant you just keep it and use it as you need. Or if you want to make sure its safe money which needs to be used only for your father retirement , then invest it in PPF ..

  32. Sandip

    Hi Manish,
    Firstly thank you for this very helpful article, well written and easy to get to what you need to know quickly, I for one learned a few new things from it. Thank you for doing all of us a big favor! :-)

    I have a question, if I may:
    I left a company 9 years back, and joined another, but hadn’t transferred the PF to the new one. Can I withdraw the PF from my previous company? Would that withdrawal attract any income tax? At this stage which is better transfer or withdrawal?

    If you can kindly throw some light on this, would be most appreciated.

    Thanks again

  33. Praveen

    Hi Manish,

    Thanks for the informative article.

    I have a query, i am currently working since last 7 years in a Public Ltd Company. My EPF account has the balance of around 3 lacs (employee +Employer). I currently own a house for which i have already taken a home loan. Now i am planning to purchase a second home.

    can i withdraw for purchase of my second home and how much amount can i withdraw. My basic salary is Rs 22,000/-
    Please explain.

  34. Subhra

    Hi Manish Sir,

    I have recently changed my company. So, planning to withdraw my PF amount, as my marriage is on 26th Jan 2015. After reading this article I have some questions in mind. I have joined the new organization on 23rd Dec 2014.
    1. Can I transfer my PF to the my current account with the new employer and make a partial withdrawal for my marriage? Is it possible?
    2. Or is it better to withdraw the full PF amount. My tenure with the previous company was 4.4 months. Please suggest.
    If I withdraw the PF how much will be the deduction as it’s before 5 years.

    • You cant do it so early .. You need to complete some years of service only then you can withdraw it and the other thing is that you never get the money on such a short notice !

  35. Hardik

    Hi Manish,

    I worked for 7 years in my previous organization. When I quit, I withdrew all the amount from my EPF+EPS. Now I am working with my current organization since 2 years.
    Is my old PF account closed? What will be the age of my current PF account? 2 years or 9 years?
    Does transferring the PF from old to new is applicable in this case where I have nothing left in my old PF account?


    • Kapil

      I want to know how much % we can withdraw PF amount after exiting job.
      e.g. my total pf amount (employees + employer) is 100000
      how much amount I will get?

    • Hardik

      You made the mistake actually. Now your new account will be treated as FRESH account now . Had you transferred the old EPF to new one, the new one would then be treated as the old one . Anyways – now let 5 yrs pass on and only then withdraw from the new account , so that you don’t have to pay income tax on the amount !


    i m working in aviation PSU SINCE 1992 Ihad withdrawn money from my epf account in 2010 -2011 for the marriage of my daughter but then that marriage did not materialised and ammount was used for some other purpose i.e. education,
    of my son .
    Now my daughter is going to marry.
    how much i can wtdraw from EPF account?
    my basic salary is Rs 28000 pm and DA INDEX IS Rs 28000 pm.
    my epf conribution is Rs 5679 and VPF CONtribution is Rs3892.
    pl guide

  37. Ashwin A


    I have decided to buy a flat in Hyderabad and am planning to withdraw PF to pay part of down payment. I have paid the builder a token advance for the flat and required to pay the rest in a month time.

    What are the documents i need to furnish along with form 31. I read in an article that i need to provide Encumbrance Certificate, registration, deed, etc.

    I just have a purchase deed from the builder. Please advice.


  38. Nilesh

    Dear Manish,

    I want to withdraw from my EPF account for purchase of an under construction flat from a reputed builder. The payment required by the builder is linked to the construction progress.

    It is possible to take advance for an under construction flat and if yes then would the payment be made in one go based on my eligibility or would it be made as per construction progress? (I don’t want to pay all the money I am eligible to withdraw to the builder in one go since it makes for almost 5 payments slots equivalent to 5 floors construction and lose out on control and interest both on this money)

  39. Dear Sir,

    Can I withdraw Partial PF for paying outstanding amount towards Purchase of Booked Flat of my spouse. The flat is under construction. Building will be completed in 2016 Agreement is in the name of my Spouse. I am not the joint owner. Kindly advice.

  40. Shiva

    I already having an independent house in my name and i am residing there, I am planning to construct FIRST FLOOR in my house (it has only ground floor now).

    Can I take partial withdraw of my PF in this case, I have completed 5 years in my currently company.


  41. laxy

    Dear Sir,

    i am working in this organisation for last 5yr 9months. in between after 1yr 11 months my epf no changed due to restructuring of the company. the epf office changed from one to another within hyderabad. that time i had given for a transfer of EPF amount from previous a/c to present. but amount is not yet credited to my present a/c due to some communication gap between employer, and epf offices. the old a/c is closed long back. i am trying to trace the amount by writing grievance to both epfo. now after the amount credited to my present a/c shall i withdraw amount fully? will it considered as more than 5yrs of service and amount is tax free?

  42. Johnson

    It is very good article and gives clear picture about withdraw. How many days partiall withdrwal amount will be credited in bank account?

  43. Shashi


    to withdraw from PF for renovating purpose. what are the documents need to be submitted along with form 31.

    I am doing alteration as per VASTU, am i eligible.
    please confirm what are the documents.
    thank you

  44. ankur

    1. Is the withdrawl from EPF against the Education or Buying a house taxable?
    2. Does 50% of Employee share mean( employee+ Employer) contributions + accrued interest over the years, or in other words 50% of corpus accumulated so far?
    3. Can withdrawl be done online, assuming online would be faster


  45. MQ

    Thanks Manish for this article. Very informative. I have one question regarding EPF withdrawal for Repayment of Housing loan. am working with private firm. My employer asked me to fill 2 forms – form 31 and Certificate from lending agency for Repayment of loan. my loan is from SBI. I am not sure from who should fill this “Certificate from lending agency for Repayment of loan” and undertaking from the agency. I went to my home SBI branch. they are not ware of this form…Please guide me on this…Thanks.

    • Hi MQ

      Your cases is a bit complex and I think we are not the right people to comment on it.

      My suggestion would be hire someone who is professional in this area and consult them


  46. Gopal

    Hello Manish,
    I have one quick question regarding EPF partially withdrawal, I have to pay to builder 5% on possession Rs. 3,43,335.00 plus S.Tax Rs.10,450.77 And Registration Cost. may be around 2.5lacs. total comes around Rs.6.03 lacs. Till now the accomulated amount in my EPF around Rs. 7.5lacs in last 8years.

    1)If I apply for partially withdrawal for under construction flat I can get full Rs.6.03lacs or only I get 3.43 plus S.Tax?
    2) Chq will be given to builder’s name only?
    3) When I apply how many days it would take to complete the process?

    Thanks in advance!

  47. Uday

    Hi Manish,

    Thanks for bringing this out. I am seriously considering this option to close my home loan. I satisfy all the criteria for making a PF withdrawal for repaying home loan principal. Please pardon my ignorance… I checked with lender HDFC Limited and the staff in this branch seem to have no clue. I have several queries:

    1. Is it allowed to close both home loan and associated topup loan provided there is sufficient balance in the PF account?
    2. Will this withdrawal be taxed?
    3. Will the cheque be released to lender directly or released to me but addressed to lender?
    4. Any experience on how long it might take once the application is submitted?
    5. Will I be in the loop when the cheque is released to lender?
    6. If there is delay in processing and releasing the cheque, and in the meantime the outstanding balance comes down due to regular EMI payment, how is the difference amount credited back to me?



    Hi Manish,

    My present company name is changed. Can I withdraw the EPF money. if not possible, can i withdraw the money for constructing of my house as i am constructing my house now and i have completed 7 years of service in the same company. As you told above, my present basic salary 18750 x 36 = 675000, but as per my calculation, my EPF balance is 170000 only. So, how much i can get if i withdraw for construction of house. if i get the amount, should i repay that amount to EPF organisation.


    • Yes it should be possible , but will get a bit complicated. I suggest you apply for the EPF withdrawal first and then follow up with RTI on all the queries


  49. naseem akhtar

    will you tell me pls,
    If i hav completed 5 years service and my pf amount deposit is 100,000/-, what amount should i take as a advance loan on reason of house renovation.
    my current basic is 7000 rs.

  50. Mona Verma

    As PF withdrawal process was close due to financial year end activities last month, I had borrowed money from some contacts. It has been just 15-20 days when registration process of my house completed. Now it is my house, but can I apply to withdraw PF now to repay borrowed money?

  51. Dear Manish

    I want to withdraw money from PF to buy a piece of land from my friend in Bangalore. The plot is currently in my friend’s name.

    I have read that I need to show the proof that the plot is in my name. Sir, my question is unless and until I get the money from PF, how can I show that the plot has been transferred in my name. I have more than 18 (Eighteen years) of service. My friend is ready to share his sale deed /agreement copy and the allotment letter. Is it enough or should I need to take a loan from some one and then after registering that plot in my name and only then can I apply for PF withdrawal

    Kindly advise




    Hi Sethu,
    This is raju

    I am constructing my home, already 5 months over, still 4 to5 months is left, applied Home loan for 11 lakhs were sanctioned by LIC and LIC provided Loan for pillors 5.5 as a 1st term for and LIC has taken my all original documents of sale deed and Plan approval. I have completed 7 years of service already. But that 11 lakhs are not suffcient for my construction. My question is that, can i get advance from EPFO, as per their instruction, orginial sale deed should be submitted for verification and return, i have xerox copies of sale deed and plan approval. In this context, can i get advance from EPFO.


    Hi Manish,
    This is raju

    I am constructing my home, already 5 months over, still 4 to5 months is left, applied Home loan for 11 lakhs were sanctioned by LIC and LIC provided Loan for pillors 5.5 as a 1st term for and LIC has taken my all original documents of sale deed and Plan approval. I have completed 7 years of service already. But that 11 lakhs are not suffcient for my construction. My question is that, can i get advance from EPFO, as per their instruction, orginial sale deed should be submitted for verification and return, i have xerox copies of sale deed and plan approval. In this context, can i get advance from EPFO.

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