Your PF Can Now Fund Your First Home After Just 3 Years

July 15, 2025 - A major policy shift introduced under Para  68‑BD of the EPF Scheme, 1952, now makes it easier for salaried individuals to withdraw money for purchasing a home. The revised rule empowers EPFO members planning to buy or build a home to withdraw up to 90% of their accumulated EPF corpus, after just three years. Earlier, members were allowed to withdraw money only after completing five years.

This housing withdrawal is allowed only once in a lifetime per member. The withdrawn money can be used for home down payment, construction costs or repay EMIs on their first home

With this change, employees will be able to use their own savings to build or buy their first home, far sooner than later - a critical support during high real estate prices.

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