“Provident Fund withdrawals may become quicker as EPFO plans UPI-based transfers and ATM access under its digital upgrade targeted for April 2026.”

EPFO Plans PF Withdrawals via UPI and ATM From April 2026

New Delhi, February 10, 2026 — The Employees’ Provident Fund Organisation (EPFO) is planning a major digital upgrade that may allow subscribers to access a portion of their Provident Fund (PF) savings through UPI-based transfers and ATM-linked withdrawals starting from April 2026.

According to media reports, the proposed facility is part of EPFO’s upcoming technology revamp, often referred to as EPFO 3.0. Under the plan, eligible PF amounts could be transferred instantly to a subscriber’s linked bank account using UPI, after which the money can be withdrawn in cash through ATMs or used for digital payments.

Officials said the move aims to simplify and speed up the PF withdrawal process, which currently involves online claims and processing time. A new mobile application is also expected to be launched to support faster and more user-friendly transactions.

However, EPFO has not yet issued any formal notification confirming the rollout date or detailed guidelines. The facility is currently under testing and review, and its implementation will depend on final approvals and system readiness.