How to Withdraw PF Through ATM and UPI Easily in 2025

Learn step-by-step how to withdraw your PF balance quickly through ATM and UPI in 2025. Discover the easiest and fastest ways to access your Provident Fund money without visiting the EPFO office

Withdrawing your Provident Fund (PF) balance has become much simpler in recent years. Thanks to digital services, you can now withdraw PF through ATM and UPI easily in 2025 without the hassle of visiting the EPFO office. In this article, we’ll explain how you can access your PF money quickly using ATM and UPI methods, along with eligibility and important tips.

What is PF (Provident Fund)?

The Provident Fund (PF) is a government-backed savings scheme managed by the Employees’ Provident Fund Organisation (EPFO). Both the employee and employer contribute monthly to the PF account. The fund earns interest and can be withdrawn after retirement or during emergencies like medical needs, unemployment, or home purchase.

How to Withdraw PF Through ATM

You can withdraw your PF balance directly using an EPFO-linked bank ATM card. Here’s how to do it:

1. Visit the nearest bank ATM that supports EPFO withdrawal services.
2. Insert your ATM card and enter your PIN.
3. Select the ‘Services’ or ‘EPFO Services’ option.
4. Choose ‘Withdraw PF’ and enter your UAN (Universal Account Number).
5. Verify your identity using OTP sent to your registered mobile number.
6. Enter the withdrawal amount and confirm.

Note: This service is available only for banks integrated with EPFO’s system. The withdrawn amount will be credited to your linked bank account instantly or within a few hours.

How to Withdraw PF Through UPI

With the rise of digital payments, you can now withdraw PF through UPI using apps like Google Pay, PhonePe, or Paytm (linked to your registered bank account).

Steps to Withdraw PF Using UPI:

1. Visit the official UMANG App or EPFO portal.
2. Log in using your UAN and OTP.
3. Choose the ‘Claim’ or ‘Withdraw PF’ option.
4. Select the reason for withdrawal (full or partial).
5. Enter your UPI ID or choose the linked bank account.
6. Submit the claim.

Once approved, your PF amount will be credited directly to your UPI-linked account within 3–5 working days.

Eligibility for PF Withdrawal

• Your UAN is activated and linked with Aadhaar and bank account.
• KYC details are verified on the EPFO portal.
• You have not changed jobs in the last 2 months (for full withdrawal).
• Partial withdrawal is allowed for marriage, medical treatment, or home purchase.

Documents Required

• Aadhaar Card
• PAN Card
• Bank Passbook
• UAN Number
• Mobile number linked with UAN

Benefits of Withdrawing PF via ATM and UPI

• Fast and convenient: No paperwork or office visits.
• 24/7 access: Withdraw funds anytime.
• Direct transfer: Money credited instantly to your account.
• Safe and secure: Verified through UAN and OTP.

Conclusion

With technology evolving, withdrawing PF through ATM and UPI has become a fast, secure, and hassle-free process. Whether you need your funds for an emergency or personal use, you can easily access your PF balance using digital platforms in 2025.

Stay updated and always use official channels like the EPFO portal or UMANG app for safe transactions.

❓ Frequently Asked Questions (FAQs)

Q1. Can I withdraw my PF balance through an ATM?
Yes, you can withdraw your PF balance through an ATM if your bank supports EPFO-linked services. Simply insert your ATM card, enter your UAN, verify via OTP, and withdraw your PF amount directly.

Q2. How can I withdraw PF using UPI in 2025?
To withdraw PF through UPI, log in to the UMANG app or EPFO portal, choose the ‘Withdraw PF’ option, enter your UPI ID, and submit your claim. The money will be credited to your linked UPI account within 3–5 working days.

Q3. What documents are required for PF withdrawal through ATM or UPI?
You need the following documents:

• Aadhaar card

• PAN card

• Bank passbook

• UAN number

• Mobile number linked with UAN

Q4. Is PF withdrawal through UPI safe?
Yes, withdrawing PF via UPI is safe as it uses your verified UAN, Aadhaar, and OTP authentication. Always use the official EPFO or UMANG platform for secure transactions.

Q5. How much time does it take to get PF money after withdrawal?
In most cases, PF withdrawals via UPI are processed within 3–5 working days. ATM withdrawals may reflect instantly or within a few hours, depending on your bank.

Q6. Can I withdraw my PF partially through ATM or UPI?
Yes, partial PF withdrawals are allowed for specific reasons such as marriage, medical emergencies, or home purchase. Full withdrawal is allowed only after leaving employment or retirement.

Q7. Do I need to visit the EPFO office for PF withdrawal?
No, you can now withdraw PF through ATM and UPI completely online — no need to visit the EPFO office or submit physical forms.