EPF Withdrawal For House Related Purpose: All You Need To Know

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The Employee Provident Fund or EPF is a government-backed retirement benefits scheme that is available to salaried employees.

For special occasions in your family or if any emergency arises the EPF comes handy as it gives the option to withdraw from EPF. You can withdraw a certain limit and by meeting some specified conditions.

EPF holder can buy a house by withdrawing money from EPF account. To do that you need to complete 5 years of service or employment. Know more about EPF withdrawal for Purchase of a Plot / Purchase or construction of House or Flat / Other house related purpose.


For getting a house or flat, you can only withdraw money from EPF once in your entire service time. In case of purchasing a plot, you can withdraw up to 24 times of your salary from your Employee Provident Fund account subject to the balance amount that is laying in your account.

Purchase/construction of house

To purchase or construct a house or flat you can withdraw money up to 36 times of your salary from your Employee Provident Fund account.


While applying for EPF withdrawal, you need to submit the proof towards the purchase of the house or flat like the agreement that you entered with the promoters.


To avail withdrawal benefits for the house purpose, the property should be registered in the name of employee or spouse. House can also be owned jointly in the name of husband and wife to withdraw money from Employee Provident Fund account. How To Withdraw EPF Using UMANG App?

Home loan repayment

One can use EPF account towards repayment of the home loan if he or she has completed 10 years of service or employment. You can withdraw 36 times of your salary for repayment of the home loan. This facility can be availed once in your entire service tenure.


EPF subscriber can withdraw for renovation or alteration of his or her house. The EPF account holder can withdraw only up to 12 times of his or her salary. Increasing EPF Contribution: Things To Know


While leaving a company, it is not possible to withdraw Employee Provident Fund balance unless you are unemployed for more than 2 months. How To Withdraw EPF And EPS Online?

EPF transfer

On switching jobs from one company to another, you are required to transfer the EPF money from previous Employee Provident Fund account to current one through your present employer after joining them.

At 54 years

Apart from all the above-mentioned reasons, the EPF subscribers can also withdraw 90% of EPF balance from Employee Provident Fund account after reaching 54 years of age. Form 31 has to be submitted for withdrawal of EPF balance through your employer. How To Check Your EPF Balance By Missed Call?



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