Withdraw PF via UPI & ATM by May-June – Big Relief for Employees

In a major digital leap for millions of working professionals, the Employees’ Provident Fund Organisation (EPFO) is set to enable instant PF withdrawals under ₹1 lakh through UPI by May or June 2025, according to official reports. As per the latest updates shared by Times of India and Times Bull, EPFO is also exploring the option of allowing withdrawals through ATMs, which would be a massive transformation in how people access their EPF savings.

Currently, PF withdrawal requests are processed through the National Automated Clearing House (NACH), often taking two to three working days. But soon, with UPI integration, users will be able to withdraw their provident fund amount instantly via UPI platforms like PhonePe, Google Pay, Paytm, and BHIM, directly into their linked bank accounts. This update is especially beneficial during medical emergencies, urgent personal expenses, or any time-sensitive financial need.

The new system is undergoing final-stage testing in collaboration with the National Payments Corporation of India (NPCI). Once live, this feature will allow EPF subscribers to access their funds 24×7, even during weekends and bank holidays. According to Times Bull, the pilot will first be launched for withdrawals under ₹1 lakh, as these claims are typically less complex and can be settled faster.

The proposed ATM-enabled withdrawal system is also under discussion. If approved, it will work similarly to bank ATM transactions—users could insert their Aadhaar-linked ATM card or input their UAN details to withdraw from their PF balance directly. This added layer of convenience could revolutionize the way India interacts with its retirement savings.

People across India frequently search online for “how to withdraw PF instantly,” “EPF UPI update,” “instant PF claim settlement,” and “PF withdrawal through UPI.” This new move directly addresses such needs and is expected to reduce the processing time from days to minutes. It’s part of EPFO’s larger digital transformation vision, which aims to make all its services—from passbook updates to claim status tracking—paperless and faster.

Security remains a top priority. The UPI-based system will use Aadhaar-based authentication and UPI PIN verification to ensure the process remains fully secure. The EPFO urges users to make sure their Aadhaar is seeded with their UAN, and their UPI ID is active and linked to their primary bank account to avoid any disruptions.

This update is not just about technology—it’s about empowering workers. With over six crore active EPFO subscribers in India, this change is set to benefit salaried employees, gig workers, and contract professionals alike—especially those in Tier 2 and Tier 3 cities, where banking infrastructure may be limited.

The rollout will initially support smaller claims under ₹1 lakh, as larger withdrawals often require additional verification. However, based on the success of the pilot, EPFO may expand UPI-based withdrawals for higher amounts in the future.

In the digital age where everything from groceries to gold can be paid for via UPI, this move by EPFO is a long-overdue step in the right direction. The organization is redefining user convenience and reinforcing trust by making EPF access simpler, quicker, and smarter.

For those searching for “PF withdrawal via UPI,” “EPFO ATM card news,” “UPI-enabled EPF claims,” “fastest way to withdraw PF,” or “instant PF transfer,” this is the update you’ve been waiting for.

Keep an eye on the official EPFO website and social media handles for final implementation dates and detailed instructions. The future of provident fund management in India is digital—and it’s arriving faster than ever before.

Stay tuned newsdailyupdates for more updates.