The Employees' Provident Fund Organisation (EPFO) has raised the auto-settlement limit for advance claims from Rs 1 lakh to Rs 5 lakh, as per the Press Information Bureau release of 24 June 2025 carrying the Labour Ministry's announcement. The higher limit has been applicable from June 2025 onward. Many members searching for news on EPFO UPI withdrawal are coming across this figure, and it is the one rule in this matter that has been notified.
Auto-settlement means that an eligible advance claim is processed by the EPFO system without a manual check by an official. The claim amount reaches the member's bank account after the system completes its verification, so the settlement does not wait for a person to examine each file.
UPI withdrawal is still under testing
UPI based withdrawal of EPF money was being tested by the EPFO from October 2026, and the facility is expected to launch by the end of December 2026. Members are reading about it in many places and some are expecting that the facility will start soon.
No official nationwide go-live date had been announced as of early November 2026. Until such a date is announced, the facility cannot be treated as available to all members.
This proposal is separate from the auto-settlement rule described above. The higher limit for advance claims has been notified and is already applicable, while the UPI facility has not reached that stage.
The two matters are often written together in online posts, so the difference between a notified rule and a proposal gets blurred.
How much of the balance can be withdrawn
In October 2025, the EPFO board allowed members to withdraw up to 100% of the eligible balance while keeping 25% as a minimum balance, so up to 75% can be withdrawn.
Any limit specific to UPI withdrawal will be published on the EPFO portal once it is finalised.
UPI withdrawal is expected to work within the existing withdrawal rules, including the minimum balance.
