Employees’ Provident Fund (EPF) members can withdraw money from their EPF account for housing-related needs. The withdrawal can be used for buying a house, constructing a house, repaying a home loan or carrying out repairs and renovation.
Earlier in October 2025, 13 types of partial withdrawal provisions were merged into one unified and simplified framework. Prior to the simplification of norms, an EPF member was allowed to withdraw only the employee contribution and interest ranging from 50-100%. Now, the withdrawable amount also includes employer contribution.
While some withdrawals, such as those for illness, have no limits for the number of claims, others are capped based on the purpose.
Also read: CGHS new rule: Central government employees outside CGHS areas can now opt for CGHS
Now, 75% of the eligible amount that may now be withdrawn will be significantly more than what an EPF member could take out under the earlier rules.
When can you withdraw EPF money for housing needs?
Under the current Employees’ Provident Fund Organisation (EPFO) rules, an EPF member can withdraw up to 75% of their EPF balance for these housing needs.
