The Employees’ Provident Fund Organisation (EPFO) is working on a major upgrade to make PF (Provident Fund) withdrawals faster and more digital‑friendly. Under this plan, EPF members could soon be able to **withdraw eligible portions of their PF balance directly into their bank accounts using UPI (Unified Payments Interdata-face) — similar to sending money through apps like google pay or PhonePe.

This move is part of the broader EPFO 3.0 initiative, which aims to transform the EPFO’s services by providing features such as:

• Instant or near‑instant PF withdrawals via UPI
• Direct transfer into linked bank accounts
• Viewing passbook balance and eligible funds within the app
• Faster claim settlement and wallet PLATFORM' target='_blank' title='digital-Latest Updates, Photos, Videos are a click away, CLICK NOW">digital accessibility

Will This Start on April 1, 2026?

The short answer: Not as a universally active feature from April 1, 2026.

Current reports suggest:

✔️ A new mobile app is expected around April 2026

EPFO is preparing to launch a dedicated mobile application in april 2026 that will include UPI withdrawal as one of its key features. Once live, eligible members will be able to withdraw PF money via UPI through the app.

✔️ Trial/testing phase is ongoing

Authorities are testing the UPI withdrawal setup using dummy accounts and technical checks. This indicates that while the infrastructure is being prepared for around April‑May 2026, it may not instantly become available to all users on april 1 itself.

✔️ Not active right now

As of now, **the UPI PF withdrawal facility is not yet live and PF money cannot be withdrawn using UPI on or before april 1 unless EPFO issues an official notification that the system is live.

In simple terms:
🔹 The plan aims to roll out around april 2026.
🔹 A dedicated app with UPI withdrawal is likely to be launched then.
🔹 However, actual readiness and availability to all members may vary and depend on system testing and rollout.

How the UPI PF Withdrawal Feature Will Work

According to reported details:

1. UPI Integration With EPF

• The new EPFO app will link PF accounts to members’ bank accounts.
• Users will be able to check the amount eligible for withdrawal.
• Transactions will be authenticated through a UPI PIN and money will transfer like any other UPI send.

2. Balance Segmentation

• Not your entire PF balance will be withdrawable immediately.
• A portion of your PF balance will remain locked to protect long‑term retirement savings, while the eligible amount will be available for UPI withdrawal.

3. Transaction Limits

• Early reports suggest there might be per‑transaction or per‑day caps (around ₹25,000 initially) due to UPI limits and system design. This can evolve over time.

What’s Next for PF Members?

Here’s what you should keep in mind:

🔹 Continue Using Current Withdrawal Process

Until the UPI feature is formally launched, you still need to file PF withdrawal claims the regular way through the UAN portal, UMANG app, or offline forms.

🔹 Ensure Your KYC Is Complete

Make sure your bank account, Aadhaar, and other KYC details are correctly updated and verified on EPFO systems—this will be essential when UPI withdrawals go live.

🔹 Watch for Official Notifications

Once EPFO formally launches the app and confirms the UPI feature, official instructions and eligibility criteria will be published on epfindia.gov.in or through the EPFO app channels.

In Summary

Feature

Status for April 1, 2026

PF withdrawal via UPI active for all users

❌ Not yet confirmed

Dedicated EPFO app launch

✔️ Expected around april 2026

UPI PF withdrawal feature

🔄 Likely to be part of app rollout

Full availability to subscribers

❗ Depends on EPFO rollout and testing

✔️ Conclusion: You may be able to withdraw PF using UPI as part of the new EPFO mobile app starting around april 2026, but it won’t necessarily begin automatically for all subscribers on april 1. Official rollout timing and access conditions will be announced by EPFO when ready.

 

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.