EPF Scheme, 2026 Withdrawal Calculator
The EPF Scheme, 2026 replaced the 1952 Scheme on 29 June 2026 — and every partial withdrawal now has to leave 25% of your total PF corpus untouched. Enter your balance to see exactly how much that leaves you free to withdraw.
Enter a valid PF balance and months of membership to see your eligible withdrawal amount.
Maximum you can withdraw now (Eligible Member Balance)
Locked minimum balance (must remain in the Fund)
✓ 12-month membership rule met ✗ Under 12 months' membership — para 46(2)–(4)'s general partial-withdrawal route isn't open yet
One exception: a member who exits employment before completing 12 months can still make a partial withdrawal under para 46(5), capped at the Eligible Member Balance shown above.
Your Eligible Member Balance is below ₹1,000 — para 46(1) sets that as the minimum partial-withdrawal amount.
How to use this calculator
Enter your total PF balance (employee share, employer share, and interest combined — the full figure shown in your UAN passbook, not just your own contribution) and how many months you've been a Fund member. Pick a withdrawal purpose to see its specific cap. The calculator applies the 25% minimum-balance rule to show what you can actually withdraw right now.
The rule, verbatim
Paragraph 46's Explanation to the Employees' Provident Funds Scheme, 2026 defines "minimum balance" directly:
"'minimum balance' means an amount equivalent to twenty-five per cent of the aggregate of the total contributions made to the Fund to the credit of the member (inclusive of both the employee's and the employer's share and interest thereon) up to the date of such withdrawal."
That 25% applies to your whole corpus — not just your own contribution. Whatever's left after subtracting it is your Eligible Member Balance (EMB): the most you can withdraw in a single partial withdrawal, regardless of purpose.
Worked example
₹5,00,000 total PF balance, 24 months of membership, withdrawing for illness:
- Minimum balance (locked): 25% of ₹5,00,000 = ₹1,25,000
- Eligible Member Balance (max withdrawable): ₹3,75,000
- 12-month rule: met (24 ≥ 12) — the illness route (para 46(2)(a)) has no separate cap on number of times
Every purpose draws from the same 75% ceiling
One thing this calculator makes clear that a lot of coverage glosses over: the 25% minimum-balance rule isn't purpose-specific. Whether you're withdrawing for illness, education, marriage, housing, or under "special circumstances," the ceiling is the same Eligible Member Balance — 75% of your total corpus. What differs by purpose is the frequency cap (education: 10 times; marriage and housing: 5 times each; special circumstances: 2 times a financial year), not the amount ceiling itself.
For how these three groupings work — and a caveat on the category names you'll see elsewhere — see the full breakdown once it's published (linked from the EPF Scheme, 2026 overview).
What this calculator doesn't do
- It doesn't track how many times you've already withdrawn for a given purpose — the frequency caps above are informational, not enforced here.
- It doesn't calculate full and final settlement (100% withdrawal on leaving employment) — that's gated on a separate 12-month unemployment rule, not the membership-months rule shown here. See final settlement and the 12-month unemployment rule.
- It doesn't model the EPS (pension) scheme — EPF and EPS are governed by separate 2026 schemes with different rules.
Related reading
- EPF Scheme, 2026 — what changed from the 1952 Scheme
- The 25% minimum balance rule, explained
- "75% now, 25% later" — the real rule behind the popular claim
- Final settlement: the 12-month unemployment rule
- Form 19, 10C, and 31 — what replaced them
- How the new wage code affects your PF contribution — the contribution side; this calculator covers withdrawal.
FAQ
Paragraph 46 of the EPF Scheme, 2026 requires 25% of your total PF corpus — employee share, employer share, and interest combined — to remain in the Fund after any partial withdrawal. You can withdraw at most 75% (the "Eligible Member Balance") at one time.
Both. The Scheme's Explanation to paragraph 46 defines minimum balance as 25% of contributions "inclusive of both the employee's and the employer's share and interest thereon" — it's calculated on your whole corpus, not just what you put in.
Generally yes — paragraphs 46(2), (3), and (4) all require completion of 12 months' total Fund membership. One exception: para 46(5) lets a member who exits employment before 12 months still withdraw, capped at the Eligible Member Balance.
No. This calculator covers partial withdrawal while you're still a member. Full and final settlement (withdrawing everything, including the locked 25%) after leaving employment is a separate rule gated on 12 months of continuous unemployment — see the final settlement page for details.
No. EPF and EPS are governed by separate 2026 schemes. This calculator and paragraph 46 apply only to the Provident Fund (EPF) portion of your account.
Formula last verified: 21 Aug 2026
Sources: Employees' Provident Funds Scheme, 2026 (G.S.R. 525(E), notified 29 June 2026, in supersession of the 1952 Scheme), paragraph 46 — read directly from the Gazette notification text.
This is an indicative estimate based on paragraph 46 of the EPF Scheme, 2026 as read from the Gazette notification. It does not track how many times you've already withdrawn for a given purpose, does not calculate full-and-final settlement, and does not cover the separate EPS (pension) scheme. EPFO's own claims portal is the authoritative source for your actual eligible amount — confirm there, or with a qualified professional, before relying on this for a withdrawal decision.