Here are the categories and other details with respect to premature withdrawal from

EPF.

Reasons for Premature EPF Withdrawal

Reason Requirement Amount No. of times
allowed to be permitted
withdrawn
Education or 1. The employee should have 50% of the total Permitted
marriage completed at least 7 years corpus amount thrice only
of employment or service. till date during a
2. Withdrawal allowed for person’s total
self, sibling(s) or children’s service tenure
marriage.
3. Withdrawal permitted for
self or children’s education
only.
4. Proof of the education or
wedding required to be
submitted, such as a valid
copy or a bonafide
certificate of the payable
fees or the wedding
invitation
5. In case of education, the
individual needs to apply in
Form 31 through his/her
employer.

Medical 1. Withdrawal permitted for 6 times the Anytime

treatment medical treatment of self, monthly salary
spouse, parents and of an individual
children. or the total
2. There is no restriction corpus amount,
regarding the number of whichever is
years of service. lesser
3. The proof of hospitalization
for a month or more along
with an approved leave
certificate from the
employer for the
 corresponding period needs
to be produced.
4. The member needs to
obtain and deposit a
certificate from the
employer or ESI stating
that ESI facility is not
accessible or available to
him/her.
5. A certified proof or
document of the disease
should be submitted in
Form 31 while applying for
withdrawal.

Purchase of 1. Should have completed at Up to 24 times Once during

a plot least 5 years of service. the salary of the entire service
2. The plot or property should individual tenure
be registered in the
person’s or his/her spouse’s
name or should be owned
jointly.
3. The plot should not be
entangled in any legal
issues and the agreement
registered under the Indian
Registration Act with the
Flat Promoter needs to be
submitted along with the
application form.

Construction 1. Should have completed at 36 times the Once during

or purchase least 5 years of service. monthly salary entire service
of a flat, 2. The house should be of the tenure
house or plot registered in the person’s or individual
his/her spouse’s name or
should be owned jointly.

Repayment 1. Should have completed at 36 times the Once during

of Home least 10 years of monthly salary entire service
Loan employment. tenure
 2. The house should be of the
registered in the person’s or individual
his/her spouse’s name or
should be owned jointly.

Alteration or 1. Should have completed at Up to 12 times Once during

Renovation least 5 years of service. the individual’s entire service
of house 2. The house should be monthly salary tenure
registered in the person’s or
his/her spouse’s name or
should be owned jointly.

Pre- 1. The individual must be at 90% of the total Once during

retirement least 54 years old. corpus amount entire service
tenure