EPFO 3.0 to introduce ATM & UPI-based PF withdrawals, simplifying access for 7 Crore members

The Employees’ Provident Fund Organisation (EPFO) is set to roll out its upgraded EPFO 3.0 platform by the last week of May 2026, offering members the ability to withdraw funds via ATM and UPI.

EPFO 3.0 to introduce ATM & UPI-based PF withdrawals, simplifying access for 7 Crore members. The Employees’ Provident Fund Organisation (EPFO) is set to roll out its upgraded EPFO 3.0 platform by the last week of May 2026, offering members the ability to withdraw funds via ATM and UPI. Other features are expected to become operational by mid-year, marking a significant step in modernising India’s PF system. The upgrade will allow members to withdraw up to 50% of their PF balance from authorised ATMs or transfer funds directly to their linked bank accounts via UPI. Additionally, automated account transfers will be possible when employees change jobs, and claim categories will be streamlined from 13 to 3, simplifying the entire settlement process. The auto-settlement limit will increase to ₹5 lakh, and for most withdrawals, employer approv...