The Employees’ Provident Fund Organisation (EPFO) has approved a new reform allowing members to withdraw up to 100% of their EPF balance, including both employee and employer contributions.

The change aims to give subscribers greater financial flexibility while maintaining a portion of their retirement corpus.

Who can withdraw 100%

The new rules apply to all EPF subscribers who meet the minimum service requirement of 12 months. Earlier, withdrawal eligibility varied depending on the type of partial withdrawal, often leading to confusion.

Now, any member who has completed at least a year of service can access their full eligible balance under the new framework.

How members can withdraw?

Members can access their balance through the EPFO’s online portal or via employer facilitation. The

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