Big Changes in EPF Withdrawal Rules – Full Corpus Access Every 10 Years & 90% Advance for First‑Time Homebuyers

📰 Major EPF Withdrawal Rule Updates

The EPFO is set to introduce sweeping reforms:

• 🔄 Full Corpus Withdrawal Every 10 Years: A central proposal may allow full or partial PF withdrawal once every 10 years—even before age 58—offering more financial flexibility [oai_citation_attribution:0‡Financial Express](https://www.financialexpress.com/money/epfo-withdrawal-rules-to-change-you-may-be-allowed-to-withdraw-full-pf-amount-post-10-years-of-service-3917567/?utm_source=chatgpt.com).
• 🏠 90% PF for First-Time Homebuyers: Under Para 68‑BD of the EPF Scheme, members can now withdraw up to 90% of their corpus for a first home after 3 years of continuous service (earlier, it was 5 years) ().
• ⚡ Instant UPI/ATM Withdrawal: From June 2025, users can withdraw up to ₹1 lakh instantly for emergencies via UPI or ATMs ().
• ₹5 Lakh Auto‑Settle Limit: Advance withdrawal auto-settlement limit increased from ₹1 lakh to ₹5 lakh for emergencies, education, marriage, housing .
• 🔄 Streamlined PF Operations: EPFO 3.0 is rolling out features like UPI, ATM withdrawals, mobile tracking, and employer-free bank-seeding, simplifying profile updates and pension payments .

💡 What this means for members:

• Greater control over PF funds for life goals (travel, education, emergencies).
• Faster access without long waits or complex paperwork.
• Boost for new homebuyers, especially first-time purchasers.

Note: All changes are proposals under review by EPFO and the Government. Check EPFO notifications or official updates before making decisions.