By Sheetal Kumari | March 3, 2025
Moneycontrol PF Team| July 18, 2025
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EPFO members can now withdraw 90% PF for home purchase after 3 years.
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This housing-related PF withdrawal can be used only once in a lifetime — plan wisely.
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New rule Para 68-BD of EPF Scheme, 1952 eliminates earlier restrictions for housing withdrawals.
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Earlier, members could withdraw for housing only after 5 years, based on complex contribution calculations.
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The aim: reduce down payment stress, activate idle savings, and make home-buying easier for salaried employees.
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Members can withdraw ₹1 lakh instantly via UPI or ATM for emergencies; auto settlement raised to ₹5 lakh.
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Document checks reduced from 27 to 18; 95% of PF claims now settled within just 3-4 days.
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Log in at EPFO Member e-Sewa portal, choose “PF Advance (Form 31),” select purpose: “Purchase of House.”
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Keep your sale agreement or housing documents ready to upload during the online application.
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Once approved, the withdrawn PF amount is directly credited to your bank account.
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