EPFO UPI ATM Feature – In a major relief for millions of salaried employees, the Employees’ Provident Fund Organisation (EPFO) has rolled out a revolutionary UPI-enabled ATM withdrawal system in 2025. This new feature eliminates the need for lengthy paperwork, delays, and physical visits for PF withdrawals, allowing members to access their Provident Fund money instantly—anytime, anywhere. This game-changing move not only enhances accessibility but also aims to bring transparency, ease, and speed to PF transactions through digital integration with the UPI (Unified Payments Interface) system.
What Is EPFO’s UPI ATM Withdrawal Feature?
The EPFO’s UPI ATM Withdrawal Feature is a new digital facility launched in 2025 that allows Provident Fund members to instantly withdraw their PF money using any UPI-enabled app like Google Pay, PhonePe, or Paytm. This paperless system removes the need for traditional forms and employer signatures, enabling 24/7 access to PF funds directly into the user’s bank account through a secure and fast UPI process. The EPFO UPI ATM feature allows EPF subscribers to withdraw their funds directly using UPI-linked apps without the need for any physical forms or office visits. By linking your UAN with your UPI ID, the system enables seamless digital withdrawal in just a few taps.
Key Highlights:
- No need to submit Form 19 or Form 31.
- Instant withdrawal directly to your bank account via UPI.
- Works with all major UPI apps like Google Pay, PhonePe, Paytm, and BHIM.
- 24/7 access with zero paperwork.
How Does It Work?
The EPFO UPI ATM feature works by allowing members to link their UAN with a UPI ID and initiate withdrawals directly through the EPFO portal or app. Once KYC is complete and the UPI ID is verified, users can select the “UPI Instant Withdrawal” option, enter the amount, and receive the money instantly in their UPI-linked bank account—without any forms or approval delays. To enable this feature, EPFO has integrated its withdrawal process with UPI platforms. Once your UAN is linked to your Aadhaar, PAN, and UPI ID, the new system allows real-time verification and direct credit.
Steps to Use the UPI ATM Feature:
- Ensure UAN is KYC-compliant (linked with Aadhaar, PAN, and bank).
- Register your UPI ID with EPFO via the member portal.
- Use the official EPFO app or portal to initiate the withdrawal.
- Select “UPI Instant Withdrawal” option.
- Enter the amount and confirm.
- Receive money instantly in your UPI-linked bank account.
Benefits of EPFO UPI ATM Feature
The UPI ATM feature has several advantages over the traditional PF withdrawal process. Here’s how it benefits subscribers:
- Instant Fund Access: No more waiting days for claim approval.
- Paperless Process: Fully digital – no need for physical forms.
- No Office Visits: Skip EPFO office visits or employer signatures.
- 24×7 Availability: Withdraw funds anytime, even on holidays.
- Secure Transactions: Verified through UPI PIN and OTP-based system.
- Transparency: Real-time tracking of withdrawal status.
Eligibility Criteria to Use the Feature
To be eligible for the EPFO UPI ATM withdrawal feature, members need to fulfill the following conditions:
- Active UAN linked with Aadhaar and PAN.
- Updated bank account and mobile number.
- UPI ID linked to the registered bank account.
- Completion of KYC on EPFO portal.
- Employment status: Active or Ex-employee (post-exit allowed).
Basic Eligibility Checklist
| Requirement | Status Needed |
|---|---|
| UAN Activation | Mandatory |
| Aadhaar Linking | Mandatory |
| PAN Linking | Mandatory (for >₹50,000) |
| Bank Account on EPFO Portal | Must be Updated |
| UPI ID Registration | Must be Linked |
| KYC Completion | Required |
| Mobile Number Update | Required |
| Employment Status | Active/Exited |
Withdrawal Limits and Rules
Even though the process has been simplified, EPFO still follows guidelines for withdrawal limits based on the purpose of withdrawal and years of service.
Withdrawal Purpose and Limits
| Withdrawal Reason | Minimum Service Required | Maximum Withdrawal Limit |
|---|---|---|
| Medical Emergency | No minimum | Up to 6 months’ salary or ₹1 lakh |
| Marriage or Education | 7 years | Up to 50% of employee share |
| House Purchase | 5 years | Up to 90% of total PF balance |
| Home Loan Repayment | 10 years | Up to 90% of total PF balance |
| Retirement | 58 years of age | 100% of balance |
| Unemployment (>2 months) | After job exit | Up to 75% of balance |
How to Link UPI ID with EPFO
To take advantage of the new feature, linking your UPI ID with your EPFO account is essential. Here’s how you can do it:
- Log in to the EPFO Member Portal using your UAN and password.
- Navigate to Manage > KYC section.
- Select Add UPI ID and enter your valid UPI handle (e.g., yourname@okaxis).
- Submit and wait for verification (can take up to 24 hours).
- Once approved, the UPI option will be enabled for withdrawals.
Supported UPI Platforms
Almost all UPI platforms are supported under this initiative, ensuring wide accessibility across user bases.
Supported UPI Apps for EPFO ATM Feature
| UPI Platform | Available for Use | Additional Notes |
|---|---|---|
| Google Pay | Yes | Supports direct EPFO linkage |
| PhonePe | Yes | Instant bank confirmation |
| Paytm | Yes | Auto-verification enabled |
| BHIM | Yes | Government-backed |
| Amazon Pay | Yes | Limited to some banks |
| Mobikwik | Yes | UPI support active |
Important Points to Remember
- The UPI feature is currently being rolled out in phases across states.
- Ensure your bank account supports UPI auto-credit.
- The EPFO portal may show maintenance alerts – try again after some time if the option is not visible.
- Only Indian UPI handles are accepted; international UPI IDs are not supported.
- EPFO will not charge any extra fee for this service.
The EPFO UPI ATM feature is a landmark initiative in 2025 that truly simplifies the PF withdrawal experience for crores of employees across India. With zero paperwork, instant access, and a fully digital interface, the feature brings convenience, speed, and empowerment to the hands of the workers. If you haven’t already updated your KYC and UPI ID, now is the time to do it and enjoy seamless access to your hard-earned savings.
FAQs
Q1. Can I use the UPI ATM feature if I just left my job?
Yes, even ex-employees can use this feature after updating their exit date in the EPFO portal.
Q2. Is Aadhaar mandatory for using the UPI withdrawal option?
Yes, your UAN must be Aadhaar-verified to access the UPI instant withdrawal system.
Q3. What happens if my UPI ID is not linked correctly?
The withdrawal request will fail, and you’ll be prompted to update or correct your UPI ID on the EPFO portal.
Q4. Is this facility available on the EPFO app as well?
Yes, both the EPFO web portal and mobile app support the UPI ATM feature for withdrawals.
Q5. Are there any charges or deductions for using UPI withdrawal?
No, this is a free service provided by EPFO. There are no additional charges or deductions.