EPFO Members to Be Able Withdraw PF Into Banks Account via UPI Soon: Here’s What We Know So Far

Mumbai, May 20: Employees’ Provident Fund Organisation subscribers will soon be able to withdraw their provident fund directly into their bank accounts through the UPI payment gateway.

“We have completed the testing of the facility where members can withdraw EPF through the use of the UPI payment gateway. The withdrawn amount will be directly transferred into the bank account of the member,” Labour Minister Mansukh Mandaviya announced on Tuesday that testing of the facility has been completed.

Mandaviya said that the EPFO is taking various initiatives to improve the quality of service delivery.

The UPI-based EPFO withdrawal facility has completed testing but has not yet been launched for public use. The minister announced it is coming soon, so step-by-step instructions don’t exist yet.

Here is what a PTI report tells us about how it will work once live:

• Your UPI ID must be linked to the bank account seeded with your EPFO account.
• You will log into EPFO’s system and check the eligible EPF balance available for transfer.
• You will initiate the withdrawal to your seeded bank account using your linked UPI PIN to authenticate and complete the transaction.
• The amount will land directly in your bank account, from where you can spend it electronically or withdraw via ATM using your debit card.

For now, the existing withdrawal route remains: Apply for a withdrawal claim through the EPFO member portal, and under the auto-settlement mode it is processed within three days the limit for which has recently been raised from ₹1 lakh to ₹5 lakh, covering withdrawals for illness, education, marriage and housing purposes.

Once the UPI facility goes live, EPFO is expected to communicate it through their WhatsApp channel (look for the green-tick verified number) and through the member portal. Members will be able to type ‘Hello’ to EPFO’s verified WhatsApp number to initiate a conversation, with all communication available in local and vernacular languages for greater comfort. The automated WhatsApp system will provide 24/7 access for common queries including PF balance checks, the last five transactions and claim status and this service is expected to launch within a month.

On the litigation front, EPFO has also been making steady progress. Pending consumer court cases have fallen sharply from 4,936 as of April 1, 2024, to 2,646 as of March 31, 2026, under the Nidhi Aapke Nikat programme, through which EPFO proactively identifies cases and reaches out to citizens for faster grievance redressal. Overall litigation pendency across legal forums has declined from 31,036 cases as of April 1, 2025, to 27,639 cases as of April 1, 2026 — a reduction of 3,397 cases — which the ministry has described as the lowest ever level of litigation pendency in EPFO’s history.

Source:

• https://www.ptinews.com/story/business/epfo-members-to-soon-withdraw-epf-money-through-upi/3683126