An EPF (Employees Provident Fund) member can withdraw his/her PF balance partially for different kinds of purposes like ; for purchase of House / Flat, Site, Construction of house, to meet marriage expenses etc.,
An EPF subscriber can also take EPF advance for the purpose of medical treatment of self / family members. As of now, to make a partial withdrawal for medical treatment, a member has to submit a doctor’s certificate (medical certificate) along with the partial withdrawal form.
To add further convenience to EPF subscribers, an EPF member will no longer be required to submit any Medical certificate or any other certificate or document or proforma whatsoever to avail PF advances for medical treatment purposes.
This new guideline has been included and amended under paragraph 68-J or under paragraph 68-N of EPF Scheme 1952.
The EPFO has recently introduced single page Composite Claim Form for full / partial withdrawals. You can use these new forms to take PF advance for medical treatment.
A couple of weeks back, the EPFO has also allowed its members to withdraw up to 90% of EPF balance for purchase of House / flat / site / construction of house.
It is nice to see these new initiatives being taken up by the EPFO but they also need to make sure that their online portals are up and live 24/7 (EPFO UAN based portals have been down due to some technical issues for the last many weeks). Also, let’s hope that EPFO will launch their online PF withdrawal facility soon 🙂
A word of advice ; Your EPF contributions / savings are meant for your retirement (long-term). So, think twice before you withdraw your PF money. Try out all the options and sources to fund your expenses or needs. EPF Partial Withdrawals should be your last resort.
(Post first published on : 28-April-2017) (Source : PIB)
This post was last modified on December 22, 2025 11:09 pm
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Hello Sir
I withdrawal My Pf Advance Amount 25000 For Purpose Illness
But It Shown MAXIMUM NUMBER OF ONLINE CLAIM SUBMISSION HAVE BEEN EXEED, PLEASE SUBMIT CLAIM THROUGH PHYSICAL MODE
Please Help
Dear Adit,
I have noticed that the EPFO accepts 3 to 5 times of Partial withdrawal request through online mode (for the purpose of medical treatment).
You may try submitting the claim form through offline mode (but I doubt if EPFO processes it..).
Related article : New EPF Composite Claim Form | Single Page Form for different types of PF Withdrawals (Full / Partial)
Hello Sreekanth, I appreciate the information you provide on your blog as well as in Quora. I have a question which I already asked in Quora to you reply. My question is I have made a withdrawal from PF account to cover my medical expenses, I was under impression that I would get my 6 months basic wages + DA which comes around 1.3 lacs but I just got half of that amount. Is there any specific reason? Since the amount is not sufficient, can I make a withdrawal request again instantly? Thank you in advance.
Dear Saikat,
Thank you for following my blog posts and on Quora.
For the purpose of ‘medical treatment’, the least of 6 months basic wages (or) employee share with interest is allowed as partial withdrawal.”
Kindly note that 'basic wages' refer to your Basic Salary only.
It is the LEAST of basic wages (or) Employee share..
I have noticed that the EPFO accepts 3 to 5 times of Partial withdrawal request through online mode (for the purpose of medical treatment).
Hello shreekanth, I have made a request again after posting the message in ur blog (this is second time in total) but I received only 3000 bucks where as as per my calculation I am supposed to received atleast 60000. Is there a way I can file grievance? Wondering on what basis they are doing the calculation?
Dear Saikat,
As you have already got the half of rs 1.3 lakh, the calculation would have been made again on the remaining balance.
You may also submit your grievance via this link..
Hello Sir
What is the maximum number of times we are allowed to withdraw the PF amount during the service?
I did in april for rennovation .
Dear lakshmi,
It depends on the purpose of partial withdrawal..
An EPF member can withdraw say 3 to 5 times in an year for 'medical treatment' purposes online..
Kindly read :
EPF partial withdrawal options & rules..
Dear Sir,
I’ve applied for a withdrawal for illness but it is showing rejected in portal and reason is not submitted self deceleration or medical certificate.
where i can submit these documents
Dear radhe kishan,
As per the EPFO's notification, there i s no need to submit any documentary evidence. Not sure, why EPFO is requesting for the docs??
Is this the first time you are submitting the claim (for medical treatment purposes)??
Dear Sir,
I've applied for a withdrawal but it is showing rejected in portal but no reason has been mentioned.
Dear Abhijit ..You may submit your grievance to the EPFO online..via this link..
Hi,
I had withdrawn my pf amount for construction of house, but now i need money to buy a new flat...is it possible to claim again or will it get rejected
Dear Ashish,
Only one time it is allowed (same purpose).
Related article : EPF partial withdrawal options & rules..
If we withdraw pf in advance then pension amount also reduced with ratio of pf or it is not true
Dear Balan,
Pension amount wont be touched for partial PF withdrawals (advances)..
Dear sir
My employee d.o.b 20.03.1961
Retirement. Date. ?
Dear sir
How to calculated. Pf illness. Amt
Example pls
Dear Arunan ji,
For the purpose of ‘medical treatment’, the least of 6 months basic wages (or) employee share with interest is allowed as partial withdrawal.”
Hi,
Is there any tax charges if pf advanced amount claim within five years for illness?
Dear Niteen ..PF advance amount is not subject to any tax..
Related articles :
* EPF partial withdrawal options & rules
* EPF Interest Income & Withdrawals | Tax Implications | Is EPF Interest taxable?