EPF Withdrawal Through ATM & UPI: Key Dates and How to Apply

In a big relief for Employees’ Provident Fund Organisation (EPFO) subscribers, the Labour Ministry is preparing to roll out ATM and UPI-based EPF withdrawal facilities. The new system could go live as early as March 2026, making access to provident fund savings faster, simpler, and far more convenient.

Withdraw EPF Like Cash From an ATM

Under the proposed plan, subscribers will be able to withdraw up to 75 per cent of their EPF balance directly through ATMs and UPI platforms. Announcing the move, Union Labour Minister Mansukh Mandaviya said the aim is to give members quicker access to their own money, without waiting for lengthy approvals or processing delays.

“You can still withdraw your 75% EPF immediately. I am telling you in advance that before March 2026, the Ministry will introduce a feature where a subscriber can withdraw their EPF through an ATM. The Ministry will also link EPF withdrawals with UPI," said Mansukh Mandaviya to a news agency.

Goodbye to Forms and Paperwork

At present, EPF withdrawals often involve multiple forms and procedural hurdles, which many subscribers find confusing and time-consuming. The upcoming ATM and UPI integration is designed to cut down paperwork drastically. Once implemented, members may no longer need to depend heavily on employers or complex online portals to access their funds.

“Money lying in EPF belongs to the subscriber, but withdrawals currently require applying through different forms, which becomes a hassle for many members," said Mandaviya.

EPF Goes Fully Digital

By linking EPF withdrawals with everyday banking tools like ATMs and UPI, the government wants to align provident fund access with how people already manage their finances. This shift is expected to reduce claim settlement time, eliminate unnecessary delays, and make the entire system more user-friendly.

Backed by Recent EPFO Reforms

The move builds on the major EPFO reforms introduced in October 2025. These changes focused on speeding up withdrawals, reducing rejections, and improving transparency. One key reform was the consolidation of 13 separate withdrawal categories into a simplified structure, helping members better understand eligibility rules and avoid errors.

A More Subscriber-Friendly EPF System

Overall, the ATM and UPI withdrawal facility marks a significant step towards modernising EPF services. With quicker access, fewer rules, and minimal paperwork, EPFO subscribers can look forward to a smoother, stress-free way of managing their retirement savings.