The Employees’ Provident Fund Organisation (EPFO) has introduced a major relief for its millions of subscribers by simplifying and speeding up the PF advance withdrawal process. With the new auto-settlement (auto-mode) facility, employees no longer need to wait for weeks or make repeated office visits to access their funds.

This facility is especially beneficial during medical emergencies, education expenses, marriage, and home-related needs, where immediate financial support is crucial.

Withdrawal Limit Increased to ₹1 Lakh

Under the revised rules, EPFO has doubled the auto-settlement withdrawal limit:

• Earlier limit: ₹50,000

• New limit: ₹1,00,000

The higher limit allows members to meet larger financial requirements more easily. Since claims under auto-mode are processed digitally, the system eliminates manual verification delays.

Faster Claim Processing: Money in 3–4 Days

Earlier, PF advance claims often took 15–20 days due to physical document checks and manual approvals. Under the new system:

• Claims are verified through an automated, computer-based process

• KYC, eligibility, and bank details are checked digitally

• If all details are correct, the amount is credited directly to the bank account within 3 to 4 days

This has significantly reduced processing time and paperwork.

Eligibility and Mandatory Conditions

To use the auto-settlement facility, members must meet the following requirements:

• Active UAN (Universal Account Number)

• Aadhaar linked with PF and bank account

• Bank details and KYC fully updated and verified

• Claim purpose should fall under eligible categories such as:

  • Medical treatment

  • Education

  • Marriage

  • Housing-related needs

Initially introduced only for medical emergencies, the facility has now been extended to cover multiple personal requirements.

Step-by-Step Online Application Process

Follow these steps to apply for a PF advance online:

1. Log in to the EPFO Member Portal using your UAN and password

2. Go to Online Services and click on Claim (Form-31, 19 & 10C)

3. Verify your bank account details and click Proceed for Online Claim

4. Select PF Advance (Form 31)

5. Choose the reason for withdrawal, enter the amount, and provide your address

6. Upload a scanned copy of your cheque or passbook

7. Authenticate the request using an Aadhaar-based OTP

Once submitted, the claim is processed through the auto-settlement system, and after approval, the amount is transferred to your bank account.

Conclusion

EPFO’s new auto-mode facility marks a significant improvement in member services. With a higher withdrawal limit and faster settlement, employees can now access their PF savings quickly and efficiently during urgent financial needs.