Resigned without another offer in hand? Here’s how much PF you can access immediately and what stays invested

Under the EPF Scheme, 2026, employees can withdraw up to 75% of their EPF balance immediately after becoming unemployed.

The remaining 25% of the EPF balance becomes available only after 12 months of continuous unemployment.

The eligible withdrawal amount now includes employee's contribution, employer's contribution, and interest earned.

The Ministry of Labour and Employment consolidated 13 partial withdrawal categories into three broad categories.

The minimum membership requirement for most advance EPF withdrawals has been standardized at 12 months.