EPFO 3.0: PF Withdrawal via UPI and ATM Likely by Month-End: How Much Money Can You Withdraw?

The Employees' Provident Fund Organisation (EPFO) is set to introduce a major digital upgrade under EPFO 3.0, allowing subscribers to withdraw Provident Fund (PF) money instantly through UPI platforms and EPF-linked ATM services. The new facility is expected to be rolled out by the end of June 2026.

Developed in collaboration with the National Payments Corporation of India (NPCI), the initiative aims to simplify PF access, reduce paperwork, and improve the overall user experience for millions of EPFO members across India.

EPFO 3.0: Key Highlights

Under the proposed system, EPFO subscribers may be able to withdraw up to 75% of their eligible EPF balance instantly using UPI-enabled applications and dedicated EPF-linked ATM cards.

EPFO 3.0 Snapshot

Particulars	Details
Launch Timeline	Expected by June-End 2026
Withdrawal Mode	UPI & EPF-Linked ATM
Maximum Withdrawal	Up to 75% of Eligible EPF Balance
Technology Partner	NPCI
Auto-Settlement Limit	Increased to ₹5 Lakh
Identity Verification	Face Authentication via UMANG

Faster and Simpler PF Access

Currently, PF withdrawals require claim submissions and verification procedures, often resulting in processing delays. The upcoming system is expected to significantly reduce waiting periods by enabling real-time fund transfers directly into linked bank accounts.

The platform will also introduce enhanced digital services, including simplified UAN activation, faster Aadhaar-related corrections, and easier online access to PF passbooks.

Major Changes Under EPFO 3.0

Feature	Update
PF Withdrawal	Instant via UPI
ATM Access	EPF-Linked ATM Facility
Claim Settlement Limit	Raised from ₹1 Lakh to ₹5 Lakh
Authentication	Face Authentication Technology
Passbook Access	Faster Digital Access
UAN Activation	Simplified Process

How EPF ATM Withdrawal Could Work

EPFO is also expected to introduce dedicated EPF-linked ATM cards that may function similarly to debit cards. Subscribers will be able to access approved PF amounts through ATM networks while maintaining the long-term savings objective of the provident fund system.

To ensure retirement savings remain protected, at least 25% of the EPF corpus is expected to remain locked, preventing complete withdrawal of retirement funds.

Impact on EPFO Subscribers

The move is expected to provide greater financial flexibility during emergencies while improving transparency and reducing administrative delays.

Industry experts believe the initiative could become one of the most significant digital reforms in India's retirement savings ecosystem by combining the country's UPI infrastructure with social security services.

Expected Benefits

Benefit	Impact
Instant Liquidity	Faster Access to Funds
Reduced Paperwork	Simplified Process
Digital Verification	Enhanced User Experience
Greater Transparency	Improved Accountability
Emergency Access	Quick Financial Support

Key Highlights

• EPFO 3.0 rollout expected by June-end 2026
• PF withdrawals likely through UPI and ATM facilities
• Subscribers may withdraw up to 75% of EPF balance
• Auto-settlement claim limit increased to ₹5 lakh
• Face Authentication to be enabled via UMANG app
• EPF-linked ATM cards likely to be introduced
• Faster UAN activation and passbook access expected

Conclusion

EPFO 3.0 represents a major step toward digitising India's retirement savings ecosystem. By enabling instant PF withdrawals through UPI and ATM networks, the platform is expected to improve convenience, accessibility, and transparency for millions of salaried employees. If implemented as planned, the initiative could significantly transform how EPF members access and manage their retirement funds.

When will EPFO 3.0 be launched?

The rollout is expected by the end of June 2026.

How much PF can be withdrawn through UPI?

Subscribers may be able to withdraw up to 75% of their eligible EPF balance.

Will EPFO introduce ATM cards?

Yes, EPFO is expected to launch EPF-linked ATM cards for easier fund access.

What is the new auto-settlement limit?

The auto-settlement limit for PF claims has been increased from ₹1 lakh to ₹5 lakh.

How will identity verification work?

Subscribers may be able to use Face Authentication Technology (FAT) through the UMANG app.