EPFO UPI Update – The Employees’ Provident Fund Organisation (EPFO) has come up with a big change, and it’s great news for crores of people across the country. Now, you won’t have to wait for days or go through a bunch of forms just to withdraw your PF money. EPFO has introduced a brand new system that lets you take out your PF amount instantly using UPI and ATM-like kiosks.
This move is part of EPFO’s ongoing effort to simplify how people access their savings. With this new system, the process becomes quicker, easier, and more accessible, especially for people in rural areas who may not always have access to the internet or EPFO offices.
What Exactly Is This New UPI-Based Facility?
EPFO has teamed up with NPCI (National Payments Corporation of India) to launch this UPI-based withdrawal system. With this, account holders can pull out money directly into their bank accounts using their Aadhaar and UPI. This can be done at special kiosks and micro ATMs set up across the country. All it needs is a biometric authentication – basically a fingerprint or iris scan – and your money gets transferred instantly.
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Main Highlights of the New Facility
Here are some of the key things that make this new service stand out:
- You can now withdraw your PF using UPI – no need to wait for days.
- Money will be credited instantly to your bank account.
- Biometric authentication ensures safety and prevents fraud.
- No paperwork or form submission is needed.
- You can do it at Aadhaar-enabled micro ATMs or kiosks – no need for an internet connection.
- This is open to both salaried employees and retired EPFO members.
How to Withdraw PF Using This New System
The process is pretty straightforward. Here’s a step-by-step guide:
- Visit the nearest micro ATM or kiosk that supports Aadhaar and UPI services.
- Enter your Aadhaar number at the machine.
- Authenticate using your fingerprint or iris scan.
- Choose the option to withdraw from EPF.
- Enter the amount you want to take out.
- Select your UPI-linked bank account.
- Confirm the transaction.
- You’ll get a confirmation message on your registered mobile number.
It’s as simple as using an ATM.
Who Can Use This Service?
To use this service, you must meet a few simple conditions:
- Your Aadhaar must be linked with your UAN (Universal Account Number).
- The mobile number used for UPI should be the same as the one linked with Aadhaar and UAN.
- Your bank account, which is linked to UPI, should be active and verified in the EPFO system.
- Your KYC details must be updated.
Why This Update Is a Big Deal
This new method comes with several clear advantages:
- No waiting – Instead of waiting 3 to 10 days like before, you get your money right away.
- No forms or visits – You don’t need to fill Form-19 or Form-31, and you don’t have to go to the EPFO office unless you want to.
- Available anytime – Since kiosks and micro ATMs are open longer hours than traditional offices, this service is more flexible.
- Better for rural areas – People in villages or areas without internet access can benefit the most.
- Secure and simple – The use of Aadhaar biometrics ensures the withdrawal is safe and only you can do it.
A Quick Comparison: Old vs New
| Feature | Old Method | New UPI Method |
|---|---|---|
| Processing Time | 3–10 days | Instant |
| Forms Required | Yes | No |
| Biometric Needed | No | Yes |
| Visit to EPFO Office | Sometimes | Optional |
| Works Offline | No | Yes |
| Rural Access | Limited | Good |
Documents and Info You’ll Need
Here’s what you should have ready for a smooth experience:
- Your Aadhaar number (linked with UAN)
- A working UPI ID linked to your bank account
- Mobile number registered with Aadhaar
- Biometric authentication (fingerprint or iris scan)
How to Link Your UPI ID with EPFO
To make this work, your UPI ID needs to be connected to your EPF account. Here’s how:
- Log into the UAN Member Portal.
- Go to the ‘Manage’ section and select ‘KYC’.
- Add your UPI ID under the bank details.
- Submit and wait for your employer to verify it.
- Once verified, your UPI ID gets linked to your EPF account.
Where and When Will This Be Available?
The EPFO is rolling out this service in phases. It will start in major cities and then slowly expand to rural areas. They are working along with UIDAI, NPCI, and Common Service Centres (CSCs) to make this happen across India. You can check with your local CSC or EPFO office to see if the facility is active in your area.
This is one of the biggest digital changes EPFO has introduced in recent years. By allowing PF withdrawals through UPI and Aadhaar authentication, it removes many of the hassles people faced earlier. Whether you’re living in a metro or a small village, this new system is designed to bring your hard-earned savings closer to you – quickly, securely, and without unnecessary delays.
