EPFO ka Naya Niyam 2025: Ab PF se Saal me 6 Baar Paise Nikaal Sakte Hain – ATM/UPI se bhi Possible

EPFO ka naya niyam 2025 employees ke liye badi rahat hai. Ab PF account se saal me 6 baar paise nikalne ki facility milegi. Jaldi hi EPFO ATM/UPI withdrawal card bhi launch hoga. Puri details yahan padhiye.

1. EPFO ka Naya Rule 2025 – Employees ke Liye Good News

Employees’ Provident Fund Organisation (EPFO) ne ek badi suvidha dene ka plan banaya hai. Ab members apne PF account se saal me 6 baar tak paise withdraw kar sakte hain, wo bhi bina koi specific reason diye. Ye flexibility employees ko emergency aur daily needs ke liye financial freedom degi.

2. Pehle PF Withdrawal ke Rules

Pehle PF se paisa nikalna itna easy nahi tha. Sirf kuch situations me hi aap withdraw kar sakte the, jaise:

• Shaadi
• Ghar kharidna ya banwana
• Medical emergency
• Bachchon ki padhai
• Naukri chhodne par ya unemployment

Matlab ki bina reason ke withdraw karna possible hi nahi tha.

3. Ab Kya Badlaav Aa Raha Hai?

Naye EPFO rule ke mutabiq:

• Saal me 6 baar tak PF withdraw kar paenge.
• Koi reason dene ki requirement nahi hai.
• Maximum withdrawal limit PF balance ka 50% hogi.

4. EPFO 3.0: ATM/UPI se PF Withdrawal

EPFO ne apne digital system ko upgrade karne ki taiyari ki hai, jise EPFO 3.0 kaha ja raha hai. Iske under members ko ATM/UPI ke through PF withdrawal ki suvidha milegi.

⚠️ Important Point:

Aap apna normal bank ATM card use karke PF withdraw nahi kar sakte. Iske liye ek special EPFO withdrawal card issue kiya jaayega jo aapke PF account se linked hoga.

5. PF Withdrawal via ATM – Step by Step Process

1. Ensure UAN and KYC Updated – Aapka UAN active hona chahiye aur Aadhaar-seeded bank account ke saath linked hona chahiye.
2. Locate EPFO-enabled ATM – Ye ATMs specifically PF withdrawal ke liye designate kiye jaayenge (EPFO list announce karega).
3. Use Your EPFO ATM Card – Bank ke card ki tarah aapko EPFO ka withdrawal card use karna hoga.
4. Select PF Withdrawal Option – ATM menu me PF withdrawal option choose karein.
5. Enter Details and Authenticate – UAN aur withdrawal amount enter karke OTP/biometric se verify karein.
6. Receive Cash – Verification ke baad aapko direct cash mil jaayega.

6. PF Withdrawal Card Kaise Milega?

• EPFO 3.0 ke launch ke saath hi card ke liye apply karne ka process announce hoga.
• Process online ya designated EPFO channels ke through hoga.
• Verification ke baad EPFO aapko card issue karega, jo bilkul bank ATM card ki tarah hoga lekin ye sirf aapke PF account ke liye valid hoga.

7. Benefits of New Rule

✅ Emergency me instant cash withdrawal.
✅ Medical ya personal needs ke liye tension-free facility.
✅ Financial flexibility badhegi.
✅ UPI/ATM ke through quick access to PF money.

8. Important Cheezein Dhyan Me Rakhein

⚠️ PF se bar-bar withdrawal aapke retirement corpus ko kam kar dega.
⚠️ ATM card aur UPI ke liye EPFO ka official rollout aur guidelines ka wait karna hoga.
⚠️ Saal me maximum 6 withdrawals allowed honge aur wo bhi PF balance ke 50% tak.

9. FAQs

Q1: Kya main apne bank ATM card se PF paisa nikal sakta hoon?
👉 Nahi, aapko EPFO ka special withdrawal card chahiye hoga.

Q2: EPFO card kaha milega?
👉 EPFO 3.0 ke launch ke baad apply process announce hoga. Tab aap online ya EPFO channel ke through card mangwa sakte hain.

Q3: Kitna paisa ATM se nikal paunga?
👉 Total limit PF balance ka 50% hai, lekin ek baar me ATM ki daily cash limit bhi apply hogi.

Q4: Kya isme UPI option bhi hoga?
👉 Haan, reports ke mutabiq EPFO 3.0 ke under UPI-based instant withdrawal option bhi milega.

Q5: Tax lagega kya PF withdrawal pe?
👉 Agar aap 5 saal ke andar pura PF withdraw karte hain to TDS lag sakta hai, warna normally tax-free hota hai.

10. Conclusion

EPFO ka naya rule 2025 aur EPFO 3.0 upgrade dono employees ke liye ek game-changer sabit ho sakte hain. Saal me 6 baar withdrawal + ATM/UPI facility ka combo members ko instant liquidity dega. Lekin hamesha yaad rakhiye – PF ek retirement fund hai, use only in emergency.

For more such amazing content visit : https://insightsphere.in/