
14/07/2025
You can withdraw EPF for buying a home, education, marriage and health. Tax free!
However EPFO's recent 2023-24 report shows 83 LAKH rejections for part withdrawals (for above grounds i.e. Form 31). Sometimes rejections happen because people just don't know the rules. So here's a compilation of the rules and associated infographics:
1) Home Buying
a) Home purchase: 36 months wages after 5 years of service.
b) Land for a house: 24 months wages after 5 yrs .
c) Paying off a home loan: 36 months wages after 10 yrs.
d) Renovating a house: 12 months wages after 5 yrs.
(PF wages generally = basic + DA)
2) Marriage and education:
a) For marriage or education -50% of the employee's share after 7 yrs service can be withdrawn.
3) Health or medical expenses:
Up to 6 months wages can be withdrawn.
Only employees' share can be withdrawn.
4) Unemployment
100% can be withdrawn after 2 months unemployment.
This is still complex so please reach out to me with any questions. If I cannot help you, I'll direct you to professionals who can