In a major step toward simplifying and improving access to provident fund savings, the Employees’ Provident Fund Organisation (EPFO) has revamped its partial withdrawal rules. The new framework consolidates 13 separate and often confusing provisions into just three broad categories- Essential Needs, Housing Needs, and Special Circumstances.

Earlier, members had to navigate multiple eligibility conditions and withdrawal limits under different clauses, leading to delays and confusion. The latest reform aims to make the process faster and transparent for its 30 crore members with a total corpus of around Rs 30 lakh crore.

EPFO 3.0: Key changes at a glance

One of the biggest reforms under EPFO 3.0 is the change in withdrawal limits. Members can now withdraw up to 100% of their eligible

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