How to Use the New EPFO App for UPI Withdrawals From April 2026

Kokila Chokkanathan
Introduction: EPFO Makes PF Withdrawals Simpler

Starting April 2026, the Employees’ Provident Fund Organisation (EPFO) will allow subscribers to withdraw PF directly through UPI using its new mobile app. This wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital initiative aims to simplify the withdrawal process, reduce paperwork, and speed up fund transfers for millions of employees across India.

Step 1: Download and Install the EPFO App

  • The EPFO app will be available on Android and iOS platforms.
  • Users need to download and install the app from google Play Store or apple App Store.
  • Ensure your smartphone has stable internet connectivity and the latest OS updates.
Step 2: Register or Log in With UAN

  • Open the app and log in using your Universal Account Number (UAN) and registered mobile number.
  • Complete the OTP verification process to ensure account security.
  • Users without an EPFO account must first activate UAN to use the app.
Step 3: Link Your bank Account and UPI ID

  • Navigate to the “UPI Withdrawal” section in the app.
  • Link your active bank account registered with EPFO.
  • Add your UPI ID, which will be used to receive PF withdrawals directly.
  • The system will verify that the UPI ID matches the subscriber’s account details.
Step 4: Initiate PF Withdrawal

  • Select the withdrawal reason, such as retirement, medical emergencies, education, or housing.
  • Enter the amount you wish to withdraw, ensuring it complies with EPFO guidelines.
  • Confirm the request; an OTP or biometric verification may be required for security.
Step 5: Receive Funds via UPI

  • Once approved, the withdrawal amount will be instantly credited to the linked UPI ID.
  • This eliminates long waiting periods associated with traditional PF withdrawals.
  • Subscribers can track the status of their withdrawal directly through the app.
Benefits of Using the EPFO UPI App

  • Fast Transfers: Instant credit via UPI.
  • Paperless Process: Minimal documentation required.
  • Secure Transactions: Multi-layer authentication ensures safety.
  • Convenience: Withdrawals can be done anytime, anywhere.
  • Transparency: Real-time tracking of requests and approvals.
Tips for Smooth Transactions

  • Ensure your UAN, bank account, and UPI ID are active and verified.
  • Use a secure and personal smartphone to avoid unauthorized access.
  • Keep your app updated to the latest version for new features and security patches.
Conclusion: Simplifying PF Withdrawals

The EPFO UPI withdrawal feature is a game-changer for employees seeking quick, hassle-free access to their provident fund. By linking UAN, bank account, and UPI ID, subscribers can enjoy instant, secure, and transparent PF withdrawals, marking a significant step toward wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital convenience in India’s financial sector.

 

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.

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