For employees between jobs or planning a big expense. Enter the reason, your service months and the balance to see whether you can withdraw now and about how much.
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Left the job 2 months ago, 30 months of service, EPF balance Rs 3,50,000
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Eligible now for up to 75 percent, Rs 2,62,500; the full balance after 12 months without a job (rules as EPFO announced in October 2025, editable)
Up to 75 percent after 1 month without a job. Under the rules EPFO announced in October 2025, the full balance is paid after 12 months without a job (earlier 2 months). Check the rule in force on the EPFO portal.
On a final settlement before 5 years of service, 10 percent TDS applies when the amount is Rs 50,000 or more. Form 15G or 15H can avoid it if your income is below the taxable limit.
The simplified rules announced in October 2025 ask for 12 months of service, with 25 percent of the balance kept in the account. The tool lets you change these numbers.
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