{"id":18569,"date":"2026-09-02T06:04:59","date_gmt":"2026-09-02T12:34:59","guid":{"rendered":"https:\/\/shoonya.com\/blog\/?p=18569"},"modified":"2026-09-02T06:05:00","modified_gmt":"2026-09-02T12:35:00","slug":"epfo-3-0-atm-withdrawal","status":"publish","type":"post","link":"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/","title":{"rendered":"What Are the New EPFO 3.0 ATM Withdrawal Rules for EPF Members?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\"><\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#What_Is_EPFO_30_and_When_Will_It_Launch\" >What Is EPFO 3.0 and When Will It Launch?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#What_Is_the_EPFO_30_Launch_Date\" >What Is the EPFO 3.0 Launch Date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#How_Much_Can_You_Withdraw_Through_ATM_or_UPI\" >How Much Can You Withdraw Through ATM or UPI?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#Can_You_Withdraw_100_of_Your_PF_Balance\" >Can You Withdraw 100% of Your PF Balance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#Does_Withdrawing_75_of_PF_Affect_Your_EPS_Pension\" >Does Withdrawing 75% of PF Affect Your EPS Pension?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#What_Is_the_Difference_Between_EPF_and_EPS\" >What Is the Difference Between EPF and EPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#What_is_the_%E2%82%B95_Lakh_Auto-Settlement_Limit\" >What is the \u20b95 Lakh Auto-Settlement Limit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#How_to_Withdraw_Money_From_a_PF_Account_Currently\" >How to Withdraw Money From a PF Account Currently<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#What_Should_Members_Do_Before_EPFO_30_Launches\" >What Should Members Do Before EPFO 3.0 Launches?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#Points_to_Consider_Before_Withdrawing_EPF_Savings\" >Points to Consider Before Withdrawing EPF Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/#EPFO_30_ATM_withdrawal_FAQs\" >EPFO 3.0 ATM withdrawal: FAQs<\/a><\/li><\/ul><\/nav><\/div>\n<nav style=\"--separator: &quot;\/&quot;\" class=\"wp-block-breadcrumbs\" aria-label=\"Breadcrumbs\"><ol><li><a href=\"https:\/\/shoonya.com\/blog\/\">Home<\/a><\/li><li><a href=\"https:\/\/shoonya.com\/blog\/tutorials\/\">Tutorials<\/a><\/li><li><a href=\"https:\/\/shoonya.com\/blog\/tutorials\/epf\/\">EPF<\/a><\/li><li><span aria-current=\"page\">What Are the New EPFO 3.0 ATM Withdrawal Rules for EPF Members?<\/span><\/li><\/ol><\/nav>\n\n\n<meta charset=\"UTF-8\">\n<meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n \n<link rel=\"preconnect\" href=\"https:\/\/fonts.googleapis.com\">\n<link rel=\"preconnect\" href=\"https:\/\/fonts.gstatic.com\" crossorigin=\"\">\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Figtree:wght@300;400;500;600;700;800&amp;family=Bricolage+Grotesque:wght@700;800&amp;display=swap\" rel=\"stylesheet\">\n<style>\n  :root{\n    --copper:#EFA145;\n    --copper-deep:#D17800;\n    --steel:#424242;\n    --forest:#082F25;\n    --forest-2:#0C3D30;\n    --fresh:#6CE890;\n    --green:#45D965;\n    --mint:#EEFFF2;\n    --mint-2:#F6FFF9;\n    --line:#DDEBE3;\n    --line-soft:#E8F3EC;\n    --red:#C11414;\n    --ink:#2B342F;\n    --grey:#5F6B65;\n    --maxw:820px;\n  }\n  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var(--line);font-size:14px;color:var(--grey);word-break:break-word;}\n  .source a{color:var(--copper-deep);}\n\n  \/* FAQ accordion *\/\n  .faq{display:flex;flex-direction:column;gap:12px;margin:6px 0 22px;}\n  .faq-item{\n    background:var(--mint-2);border:1px solid var(--line);border-radius:14px;\n    overflow:hidden;transition:border-color .2s ease, box-shadow .2s ease;\n  }\n  .faq-item:hover{border-color:var(--copper);box-shadow:0 2px 10px rgba(239,161,69,0.18);}\n  .faq-item[open]{border-color:var(--copper);box-shadow:0 2px 10px rgba(239,161,69,0.18);}\n  .faq-q{\n    list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;\n    gap:16px;padding:17px 20px;font-weight:700;color:var(--forest);font-size:16px;\n  }\n  .faq-q::-webkit-details-marker{display:none;}\n  .faq-q::marker{content:\"\";}\n  .faq-icon{\n    flex:0 0 auto;width:26px;height:26px;border-radius:50%;background:var(--copper);color:#fff;\n    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Under the proposed system, Employees&#8217; Provident Fund members may be able to access eligible savings through UPI and UPI-enabled ATMs without following the existing claim process.<\/p>\n    <p>Here is what EPF members should know about the proposed facility, withdrawal limits, eligibility requirements and its impact on EPS pension benefits.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Is_EPFO_30_and_When_Will_It_Launch\"><\/span>What Is EPFO 3.0 and When Will It Launch?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>EPFO 3.0 is a digital modernisation initiative by the Employees&#8217; Provident Fund Organisation. One of its most anticipated features is the proposed EPFO ATM withdrawal and UPI withdrawal facility. Once launched, members may be able to withdraw eligible PF savings using a UPI-based process instead of submitting a regular online claim and waiting for settlement.<\/p>\n    <p>The initiative is expected to offer:<\/p>\n    <ul class=\"doc\">\n      <li>Faster EPF withdrawals<\/li>\n      <li>Paperless claim processing<\/li>\n      <li>UPI-based fund access<\/li>\n      <li>Fewer manual verification steps<\/li>\n      <li>Direct credit to the member&#8217;s linked bank account<\/li>\n      <li>Easier tracking of the eligible withdrawal amount<\/li>\n    <\/ul>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Is_the_EPFO_30_Launch_Date\"><\/span>What Is the EPFO 3.0 Launch Date?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>The government has not announced a confirmed EPFO 3.0 launch date for the ATM and UPI withdrawal facility.<\/p>\n    <p>The service is expected to be introduced after the necessary technical and operational checks are completed. Until EPFO issues an official notification, members must continue using the existing online or offline claim process.<\/p>\n    <p>Members should rely on updates published by EPFO or the Ministry of Labour and Employment instead of unofficial launch dates circulating online.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_Much_Can_You_Withdraw_Through_ATM_or_UPI\"><\/span>How Much Can You Withdraw Through ATM or UPI?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Under the proposed EPFO 3.0 UPI withdrawal facility, members may be able to withdraw up to 75% of their eligible EPF balance.<\/p>\n    <p>The remaining 25% would generally continue in the PF account during active service.<\/p>\n    <p>For example, if an eligible member has an EPF balance of \u20b94 lakh:<\/p>\n    <ul class=\"doc\">\n      <li><strong>Maximum eligible withdrawal:<\/strong> Up to \u20b93 lakh<\/li>\n      <li><strong>Amount retained in the account:<\/strong> At least \u20b91 lakh<\/li>\n    <\/ul>\n    <p>The exact amount available to a member may depend on the withdrawal purpose, account status, service period and final EPFO guidelines.<\/p>\n    <p>There is currently no official confirmation of separate limits, such as 50% through ATMs and 75% through UPI. Therefore, such channel-specific limits should not be treated as final until EPFO publishes detailed operational rules.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"Can_You_Withdraw_100_of_Your_PF_Balance\"><\/span>Can You Withdraw 100% of Your PF Balance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Full EPF withdrawal is permitted in specified situations, such as:<\/p>\n    <ul class=\"doc\">\n      <li>Retirement<\/li>\n      <li>Permanent disability<\/li>\n      <li>Incapacity to work<\/li>\n      <li>Retrenchment<\/li>\n      <li>Voluntary retirement<\/li>\n      <li>Permanent relocation outside India<\/li>\n      <li>Unemployment for the prescribed period<\/li>\n    <\/ul>\n    <p>The applicable conditions may vary. Members should check the latest EPFO withdrawal rules before submitting a final settlement request.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"Does_Withdrawing_75_of_PF_Affect_Your_EPS_Pension\"><\/span>Does Withdrawing 75% of PF Affect Your EPS Pension?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Withdrawing money from the EPF balance does not directly reduce a member&#8217;s EPS pension entitlement because EPF and EPS are separate components.<\/p>\n    <p>The proposed EPFO ATM and UPI withdrawal facility applies to the eligible EPF balance. It does not allow members to withdraw their EPS pension amount through an ATM or UPI app.<\/p>\n    <p>To qualify for a pension under EPS, a member generally needs at least 10 years of eligible EPS membership. The standard pension age is 58, although an early pension may be available from age 50, subject to the applicable reduction and conditions.<\/p>\n    <p>Therefore, a member who withdraws part of the EPF balance does not automatically lose their EPS service record. Pension eligibility continues to depend on the EPS membership and service requirements.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Is_the_Difference_Between_EPF_and_EPS\"><\/span>What Is the Difference Between EPF and EPS?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p><a href=\"https:\/\/shoonya.com\/blog\/epf-vs-eps\/\">EPF and EPS<\/a> are both administered by EPFO, but they provide different retirement benefits.<\/p>\n    <div class=\"tbl-scroll\">\n      <table>\n        <thead>\n          <tr><th>Feature<\/th><th>EPF<\/th><th>EPS<\/th><\/tr>\n        <\/thead>\n        <tbody>\n          <tr><td>Full form<\/td><td>Employees&#8217; Provident Fund<\/td><td>Employees&#8217; Pension Scheme<\/td><\/tr>\n          <tr><td>Purpose<\/td><td>Build a retirement corpus<\/td><td>Provide pension benefits<\/td><\/tr>\n          <tr><td>Benefit type<\/td><td>Lump-sum savings<\/td><td>Monthly pension, subject to eligibility<\/td><\/tr>\n          <tr><td>Contribution<\/td><td>Employee contribution and part of the employer contribution<\/td><td>Part of the employer contribution<\/td><\/tr>\n          <tr><td>Proposed ATM or UPI withdrawal<\/td><td>Available for the eligible balance<\/td><td>Not available<\/td><\/tr>\n          <tr><td>Standard retirement age<\/td><td>Usually settled at retirement<\/td><td>Pension generally begins at 58<\/td><\/tr>\n          <tr><td>Managed by<\/td><td>EPFO<\/td><td>EPFO<\/td><\/tr>\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <div class=\"quote\">\n      <p><strong>Note:<\/strong> Your employer&#8217;s contribution is divided between EPF and EPS. Generally, 8.33% of your eligible salary goes towards EPS, subject to the applicable wage limit, while the remaining amount goes into your EPF account.<\/p>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_is_the_%E2%82%B95_Lakh_Auto-Settlement_Limit\"><\/span>What is the \u20b95 Lakh Auto-Settlement Limit?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>EPFO increased the auto-settlement limit for eligible advance claims from \u20b91 lakh to \u20b95 lakh.<\/p>\n    <p>Auto-settlement means an eligible claim can be processed by the system without manual intervention. It currently covers specified advance claims, including those for:<\/p>\n    <ul class=\"doc\">\n      <li>Illness<\/li>\n      <li>Education<\/li>\n      <li>Marriage<\/li>\n      <li>Housing<\/li>\n    <\/ul>\n    <p>Eligible claims may be settled within approximately three days, subject to successful validation and accurate member records. The \u20b95 lakh limit does not mean every member can automatically withdraw \u20b95 lakh. The payable amount still depends on the available EPF balance and the applicable eligibility conditions.<\/p>\n    <p>According to the Press Information Bureau, around 70% of advance claims processed during the early part of FY 2025\u201326 were settled through the automated system.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"How_to_Withdraw_Money_From_a_PF_Account_Currently\"><\/span>How to Withdraw Money From a PF Account Currently<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Until the EPFO ATM withdrawal facility is officially launched, members can submit an online claim using the existing EPFO process:<\/p>\n    <ol class=\"steps\">\n      <li><p style=\"margin:0;\">Visit the EPFO Member e-Sewa portal.<\/p><\/li>\n      <li><p style=\"margin:0;\">Log in using your UAN and password.<\/p><\/li>\n      <li><p style=\"margin:0;\">Check whether Aadhaar, PAN and bank details are verified.<\/p><\/li>\n      <li><p style=\"margin:0;\">Select Online Services.<\/p><\/li>\n      <li><p style=\"margin:0;\">Choose the relevant claim option.<\/p><\/li>\n      <li><p style=\"margin:0;\">Verify the bank account details.<\/p><\/li>\n      <li><p style=\"margin:0;\">Select the withdrawal type and enter the required information.<\/p><\/li>\n      <li><p style=\"margin:0;\">Authenticate the request using the Aadhaar-linked OTP.<\/p><\/li>\n      <li><p style=\"margin:0;\">Submit the claim.<\/p><\/li>\n      <li><p style=\"margin:0;\">Track its status through the portal or UMANG app.<\/p><\/li>\n    <\/ol>\n\n    <h2><span class=\"ez-toc-section\" id=\"What_Should_Members_Do_Before_EPFO_30_Launches\"><\/span>What Should Members Do Before EPFO 3.0 Launches?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>Members can prepare for the upcoming facility by checking the following:<\/p>\n    <ul class=\"doc\">\n      <li>Activate the UAN.<\/li>\n      <li>Link Aadhaar with the UAN.<\/li>\n      <li>Ensure the Aadhaar-linked mobile number is active.<\/li>\n      <li>Verify PAN and bank details.<\/li>\n      <li>Correct any difference in name, date of birth or other personal information.<\/li>\n      <li>Check whether the bank account registered with EPFO is active.<\/li>\n      <li>Review the current EPF balance and service history.<\/li>\n      <li>Merge or transfer balances from previous Member IDs, where required.<\/li>\n    <\/ul>\n    <div class=\"quote\">\n      <p><strong>Note:<\/strong> Keeping these details updated can reduce claim delays after the new facility is introduced.<\/p>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"Points_to_Consider_Before_Withdrawing_EPF_Savings\"><\/span>Points to Consider Before Withdrawing EPF Savings<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <p>EPF is designed to build a retirement corpus. Frequent or large withdrawals can reduce the amount available after retirement.<\/p>\n    <p>Before withdrawing, consider:<\/p>\n    <ul class=\"doc\">\n      <li>Whether the expense can be managed through other savings<\/li>\n      <li>How the withdrawal may affect long-term compounding<\/li>\n      <li>Whether you need the entire eligible amount<\/li>\n      <li>The conditions applicable to the selected withdrawal purpose<\/li>\n      <li>Whether your EPF and EPS records are complete<\/li>\n      <li>The tax treatment of the withdrawal<\/li>\n    <\/ul>\n    <p>A digital withdrawal facility makes it easier to access funds, but it does not remove the long-term financial impact of withdrawing retirement savings early.<\/p>\n\n    <h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div class=\"outlook\">\n      <p>EPFO 3.0 aims to make PF withdrawals faster and easier through UPI and UPI-enabled ATMs. Members may withdraw up to 75% of their eligible EPF balance, with the remaining 25% continuing to support their retirement savings. Since the facility has not yet launched, members should wait for official EPFO guidelines before using it.<\/p>\n    <\/div>\n\n    <h2><span class=\"ez-toc-section\" id=\"EPFO_30_ATM_withdrawal_FAQs\"><\/span>EPFO 3.0 ATM withdrawal: FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n    <div class=\"faq\">\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">Is EPFO ATM withdrawal available now?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">No, the facility is expected to launch, but EPFO has not announced a confirmed nationwide rollout date. Members must currently use the existing claim process.<\/p>\n      <\/details>\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">How much PF can be withdrawn through UPI?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">The proposed facility may allow members to withdraw up to 75% of their eligible EPF balance. Final limits and conditions will be confirmed through official EPFO guidelines.<\/p>\n      <\/details>\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">Does EPF withdrawal affect pension at age 58?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">Withdrawing from the EPF balance does not directly reduce EPS pension eligibility. Members generally need at least 10 years of eligible EPS membership to qualify for pension benefits.<\/p>\n      <\/details>\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">How much PF can be withdrawn after unemployment?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">Under the revised rules, up to 75% may be withdrawn immediately after unemployment. The remaining 25% may be withdrawn after 12 months.<\/p>\n      <\/details>\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">Do I need an EPFO ATM card?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">The final process has not been announced. The facility may use UPI-enabled ATMs or QR-based authentication rather than a dedicated card.<\/p>\n      <\/details>\n      <details class=\"faq-item\">\n        <summary class=\"faq-q\">Is KYC required for EPFO UPI withdrawals?<span class=\"faq-icon\">+<\/span><\/summary>\n        <p class=\"faq-a\">Complete and verified KYC is expected to be required. Aadhaar, bank details and the registered mobile number should be linked with the member&#8217;s UAN.<\/p>\n      <\/details>\n    <\/div>\n \n <div class=\"source\">Source: Mint<\/div>\n  <\/div>\n\n  <div class=\"disclaimer\">\n      <strong>Disclaimer:<\/strong> This content is for education and awareness purpose only and should not be considered investment advice or a recommendation. Investments in securities markets are subject to market risks. Read all the related documents carefully before investing.\n    <\/div>\n<br>\n","protected":false},"excerpt":{"rendered":"<p>EPFO 3.0 is expected to make provident fund withdrawals faster and more convenient. Under the proposed system, Employees&#8217; Provident Fund members may be able to access eligible savings through UPI and UPI-enabled ATMs without following the existing claim process. Here is what EPF members should know about the proposed facility, withdrawal limits, eligibility requirements and &hellip; <a href=\"https:\/\/shoonya.com\/blog\/epfo-3-0-atm-withdrawal\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;What Are the New EPFO 3.0 ATM Withdrawal Rules for EPF Members?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":17,"featured_media":18570,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[9535],"tags":[10491,10148,10490,10493,10495,10496,10494,10492],"class_list":["post-18569","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-epf","tag-epf-upi-withdrawal-rules","tag-epfo-3-0","tag-epfo-3-0-atm-withdrawal","tag-epfo-3-0-upi-withdrawal","tag-epfo-atm-withdrawal","tag-epfo-atm-withdrawal-facility","tag-epfo-pf-withdrawal-rules","tag-how-to-withdraw-money-from-pf-account"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>EPFO 3.0 ATM Withdrawal: Rules, Limits and Pension Impact<\/title>\n<meta name=\"description\" content=\"EPFO 3.0 enables ATM and UPI withdrawals of up to 75% of the EPF balance. 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Labour Ministry confirms EPS pension at 58 remains unaffected. 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