The Employees’ Provident Fund (EPF) is a key retirement savings scheme in India, where both employees and employers contribute a portion of the salary every month. Over time, this fund grows into a substantial amount that can support you during retirement—or even in emergencies.

Thanks to recent updates, EPF withdrawals can now be accessed through ATMs for faster and easier cash. Here’s how you can do it:

🔹 1. Check Your EPF Balance

Before attempting a withdrawal, log in to the UMANG App or the EPFO portal to check your EPF balance. Ensure your account is active and KYC-compliant, which is mandatory for ATM withdrawals.

🔹 2. Link Your EPF to a UAN-Linked bank Account

To withdraw from an ATM, your Universal Account Number (UAN) must be linked to your bank account.

· Log in to the EPFO portal

· Ensure your bank details are updated and verified

· Only the primary bank account linked to your UAN can be used for ATM withdrawals

🔹 3. Generate an EPF Withdrawal PIN

Once your bank account is verified:

· Go to the UMANG App or EPFO portal

· Request an EPF withdrawal and choose the ATM option

· A PIN or OTP will be sent to your registered mobile number

🔹 4. Visit an EPF-Enabled ATM

Not all ATMs support EPF withdrawals, so make sure to use EPF-enabled ATMs of your bank. Take your EPF debit card (if issued) or UAN details ready.

🔹 5. Withdraw Your Funds

· Insert your card or enter UAN details

· Enter the PIN/OTP received on your phone

· Select EPF Withdrawal and choose the amount

· Collect your cash and receipt

🔹 6. Keep Track of Your Transaction

After withdrawing:

· Check your EPF account balance online

· Ensure the withdrawn amount reflects correctly

· Save your receipt for records

🔹 7. Important Tips

· Only partial withdrawals may be allowed depending on your account type

· Ensure your KYC is complete, otherwise ATM withdrawal may be blocked

· Keep your registered mobile number active to receive OTPs

✅ Key Takeaway: With the new facility, EPF withdrawals have become much faster and convenient, letting you access your hard-earned savings directly from an ATM without visiting the EPFO office.

 

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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Kokila Chokkanathan

31/10/2025 03:23 PM