EPFO Launches ATM & UPI Withdrawal Options for Employees

Published On: June 2, 2025

In a major move towards simplifying provident fund withdrawals, the Employees’ Provident Fund Organisation (EPFO) has introduced a new digital facility.

Members can now withdraw their PF using ATM cards or UPI apps — making the process faster, more secure, and accessible from anywhere.

This initiative aligns with the Digital India campaign, ensuring employee convenience by reducing paperwork and wait times.

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Key Features of the New EPFO ATM & UPI Withdrawal System

💳 ATM Withdrawals Withdraw your EPF directly from nearby ATMs

📱 UPI Integration Use your favorite UPI app (Google Pay, PhonePe, etc.) for direct withdrawal

⏱ Faster Processing Instant fund transfers

🧾 No Forms Needed No paperwork or visits to the bank/office

🔒 Secure Transactions Encrypted UPI & ATM systems ensure safety

How to Withdraw EPF via ATM and UPI – Complete Guide

EPF Withdrawal via ATM – Step-by-Step

1. Visit your nearest ATM.

2. Insert your ATM card and enter your PIN.

3. Select the “PF Withdrawal” option.

4. Enter your EPF account number and required details.

5. Type the withdrawal amount.

6. Confirm the transaction.

7. Collect the receipt – amount will be credited to your account shortly.

📲 EPF Withdrawal via UPI – Step-by-Step

1. Open your UPI app (e.g., Google Pay, PhonePe, Paytm).

2. Go to the “PF Withdrawal” section.

3. Enter your EPF account number.

4. Specify the amount to withdraw.

5. Enter your UPI PIN to confirm the transaction.

6. You’ll receive confirmation and transaction ID in your app.

Documents Required for EPFO UPI/ATM Withdrawals

🆔 Aadhaar Card Identity Verification

📲 Registered Mobile Number OTP & UPI Validation

🔢 EPF Account Number Linked to withdrawal

💳 ATM/Debit Card For ATM transactions

📱 UPI App Registration Required for digital withdrawal

Is the New EPF Withdrawal System Secure?

Yes! EPFO has implemented multiple safety layers to ensure your transactions are protected. These include:

OTP verification via registered mobile number

PIN authentication (ATM/UPI)

Real-time alerts and confirmations

Encrypted data processing

FAQs on EPF Withdrawal via ATM and UPI

Can I withdraw my PF anytime using UPI?

Yes, the UPI withdrawal facility is available 24/7.

Which UPI apps are supported?

All major apps like Google Pay, PhonePe, Paytm, BHIM UPI, etc. are supported.

Is this service available across India?

Yes, the feature is being rolled out nationally. Make sure your EPF account is linked to Aadhaar and UPI.

Is there any withdrawal limit?

Limits may apply based on EPF balance and UPI app rules. Always check in-app for caps.

What happens if I enter wrong details?

The transaction will be declined. Always double-check your EPF account number and UPI PIN.