EPFO to Launch New App for UPI-Based PF Withdrawals by April 2026
New Delhi, 9th February 2026: Members of the Employees’ Provident Fund Organisation (EPFO) may soon be able to withdraw their PF money instantly using UPI through a new dedicated mobile application.
According to reports, EPFO is planning to launch this new app in March–April 2026, and trials are currently underway to fix technical issues.
The new EPFO app will be separate from the existing UMANG app and will be directly linked to a member’s bank account. It will also integrate with BHIM and other UPI platforms, allowing subscribers to transfer PF funds straight into their bank accounts using UPI.
Once logged into the app, members will be able to view their eligible EPF balance and complete transactions by entering their UPI PIN. The amount will be credited instantly to the bank account linked with their EPF. Other services such as checking passbook balance and claim status will also be available within the app.
EPFO is currently testing the system using around 100 dummy accounts. Officials said the Labour Ministry is overseeing the project and resolving technical glitches identified during the trial phase. A senior EPFO officer confirmed that while a portion of the EPF balance will remain frozen as per rules, a major share will be available for UPI-based withdrawal once the app is launched.
The move is expected to significantly speed up PF withdrawals, especially during emergencies such as illness, education, marriage, housing, or sudden unemployment. Officials said EPFO is working to bring its services closer to banking-level convenience. The existing UAN portal and UMANG app will continue to function alongside the new platform.
At present, EPF withdrawals are done by filing claims through the UAN portal or the UMANG app, a process that can take several days. Every year, over five crore claims are settled, most of them related to EPF withdrawals. During the Covid-19 period, auto-settlement helped reduce processing time to three days, and the withdrawal limit was increased from ₹1 lakh to ₹5 lakh. However, since EPFO does not have a banking licence, it cannot offer direct instant withdrawals.
EPFO currently has around eight crore members and manages one of the largest retirement funds in the country. As part of the EPFO 3.0 digital upgrade, the government is introducing features such as faster verification and digital claim processing. UPI-based PF withdrawals are expected to roll out from April 2026.
Under existing rules, if a member loses their job, they can withdraw up to 75 per cent of their PF balance after one month. The remaining 25 per cent can be withdrawn after two months, providing financial support during periods of unemployment.
With UPI integration, experts say PF access will become faster, simpler, and more user-friendly for millions of salaried employees across India.
