EPF 30% withdrawal calculator
You do not have to wait until retirement to use part of your EPF. Members with enough service and a large enough balance can withdraw part of it to build a house or pay for medical treatment.
Enter your balance and your years of service.
How it's calculated
- You qualify with more than 10 years years of service and a balance above Rs. 300,000.
- You can then withdraw up to 30% of your balance, with a maximum of Rs. 2,000,000.
An example
With Rs. 3,000,000 in your account and 12 years of service, you can withdraw up to Rs. 900,000.
Frequently asked questions
Which law allows this?
The EPF (Amendment) Act, No. 2 of 2012. The Central Bank says the withdrawal has applied since 2015.
When can I take out my whole EPF?
At the retirement age of 50 for women and 55 for men. Members can also claim on migration, permanent disability, joining a pensionable job and, for women, leaving work on marriage.
Can I borrow against my EPF instead?
Yes. You can pledge your balance for a housing loan from one of the approved lending institutions.
Key terms
- EPF balance
- Your contributions and those of your employers, with the interest credited each year.
- Member statement
- The yearly statement of your EPF account.
Up-to-date official data
Data checked against the official source on .
We check the official sources automatically, every day.
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