The EPFO’s new UPI withdrawal system, starting april 2026, allows you to receive PF funds directly into your bank account using your UPI ID, making the process instant, simple, and paperless.
Step 1: Ensure Eligibility
Before starting the withdrawal, make sure:
- You have a valid UAN (Universal Account Number)
- Your bank account is KYC-linked with your EPF account
- You have an active UPI ID linked to the same bank account
⚠️ Important: Only verified UAN holders can withdraw PF via UPI.
Step 2: Log In to EPFO Portal or App
- Visit the EPFO Member Portal or open the UMANG/EPFO app
- Use your UAN and password to log in
Step 3: Navigate to PF Withdrawal Section
- Go to “Online Services” → “Claim (Form 31, 19 & 10C)”
- Select “PF Advance / Final Settlement” depending on your requirement
Step 4: Choose Payment Mode
- Select UPI as the preferred payment method
- Enter your UPI ID carefully (e.g., yourname@upi)
Step 5: Verify Your Request
- Confirm your bank account details and PF balance
- Accept the terms and conditions for online withdrawal
Step 6: Authenticate via UPI
- You will receive a UPI payment request on your mobile app
- Approve the transaction to transfer the PF money
- Once approved, the amount will be credited to your bank account instantly or within a few hours
Step 7: Receive Confirmation
- EPFO will update the transaction status in your account
- You can download or screenshot the confirmation for your records
✅ Tips & Precautions
Double-check your UPI ID before submitting — wrong UPI ID can cause transaction failure
Keep your bank KYC updated with EPFO
Partial withdrawal or full settlement options will still be available; select as per need
Track your UAN balance before initiating withdrawal to avoid mistakes
📌 Bottom Line
With the UPI facility, PF withdrawals are now fast, secure, and convenient. Employees can access their savings anytime, without waiting for long processing periods or paperwork.
Disclaimer:
The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.
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