Can I Withdraw My EPF Without Resigning? Urgent Funds Needed!

I have been working in a Pvt. Ltd. Company for four years, and EPF has been deducted from my salary during this period. I am currently in need of some urgent funds, and I would like to inquire whether it is possible for me to withdraw my EPF amount without resigning.

Thank you in advance.

You can withdraw amounts from PF subject to certain conditions like marriage for yourself and dependent sisters, brothers, etc. Likewise, you can withdraw amounts for the purchase of a dwelling house or repayment of a housing loan. For specified medical treatments, an amount can be withdrawn. You need to submit FORM 31 for claiming the amount. However, the PF authorities will sanction only if you satisfy the qualifying conditions.

On the other hand, it is not like a bank account where you withdraw the amount depending upon your needs.

Regards,
M.V. KANNAN

Provisions for PF Withdrawal

Regarding PF, there are provisions to withdraw fully or partially, subject to the following conditions: provided a minimum employee contribution (with interest) of Rs. 1000 is lying with PF.

1. **68(B) - House Construction/Purchase/Plot Purchase**
- Minimum service required: 5 years
- Amount admissible: 100% of both employee and employer contribution

2. **68(H) - Lockout (Due to Other Than Strike)**
- No minimum service
- Amount admissible: 6 times of basic + DA or employee contribution, whichever is less

3. **68(J) - Hospitalization, Major Surgical Operation, Certain Diseases**
- No minimum service but for out-of-ESI coverage members
- Amount admissible: 6 times of basic + DA or employee contribution, whichever is less

4. **68(K) - Education and Marriage**
- a) Towards post-metric education of children
- b) Towards own/brothers'/sisters'/children's marriage
- Maximum three times in service
- Minimum service required: 7 years
- Amount admissible: 50% of employee contribution

5. **68(N) - Purchase of Equipment for Physically Handicapped Individuals**
- Amount admissible: 6 times of basic + DA or employee contribution or cost of the equipment, whichever is less

6. **68(NN) - Pre-Retirement Withdrawal**
- After attaining the age of 54 years and before one year from the date of superannuation, whichever is later
- Amount admissible: 90% of both employee and employer contribution

Regards,
Abbas.P.S, ITI Ltd, PALAKKAD - 678 623

Ph. [Phone Number Removed For Privacy Reasons]

I was employed with "employer X" from 29 June 2005 to 15 October 2007. Then I was employed with "employer Y" from 16 October 2007 to 24 December 2009. I then got employed with "employer Z" from 11 January 2010 till date.

During this period, my EPF account number has changed with each new employer. But I never withdrew any amount. Each time I transferred the amount to the new EPF account with the respective employer.

EPF Membership Duration and Advance Inquiry

How old is my EPF membership? Can I apply for an advance with Form 31 for the purchase of a dwelling flat?

As per your case, you have not withdrawn EPF since the 29th of June 2005. You have only transferred your EPF account to a new one until now. Therefore, you are eligible to receive an advance for purchasing a flat because your EPF account is more than 5 years old.

Seniors, please suggest...

PF Advance for House Alteration/Repair

I am working with my present organization for more than five years. I want to apply for an advance from my PF for the alteration/repair of my house. Please suggest:

1. The house for which I want to apply is more than 15 years old, but I have recently purchased it. Can I apply for the PF advance for alteration/repair of the same?
2. What documents are required along with Form 31 and the declaration form to be submitted to the PF office?
3. What is the normal time for the issuance of the advance?

Looking forward to urgent support.

Thanks & Regards

Hi, I have completed two years and three months. I don't want to take a loan and repay my PF. I want to take a partial amount. Please instruct me on how to do this.