New EPFO App to Enable Members EPF Withdrawals via UPI from April

Subscribers of the Employees’ Provident Fund Organisation may soon withdraw EPF funds through UPI as the labour ministry prepares to launch a new mobile application to simplify access and reduce processing time, as per PTI report. 

UPI-Based Withdrawal Feature and App Rollout 

According to report, EPFO subscribers will be able to withdraw their employees’ provident fund directly into their bank accounts using a UPI payment gateway through a newly designed mobile application scheduled for launch in April.  

The labour ministry is working on a system under which a certain portion of the EPF balance will be frozen, while a large share will be made available for withdrawal via UPI-linked bank accounts. 

The new application will allow members to view their eligible EPF balance available for transfer to their seeded bank accounts and use their linked UPI PIN to complete transactions securely.  

In addition to withdrawals, the app will also provide access to services such as passbook balance viewing. Existing platforms, including the UAN portal and the UMANG app, will continue to remain operational alongside the new application. 

Testing and Rollout Framework 

EPFO is currently conducting trials using 100 dummy accounts to improve service efficiency and eliminate technical issues ahead of a full rollout. According to the report, the labour ministry is expected to formally launch the application in April, followed by a public rollout. 

The objective of this testing phase is to ensure system stability and operational readiness before members are migrated to the new framework. 

Operational Limits and Policy Rationale 

At present, EPFO members are required to file withdrawal claims to access their funds, a process that is widely considered time-consuming. Under the existing auto-settlement mechanism, claims are processed electronically without manual intervention within 3 days.  

The withdrawal limit under this mode has already been raised to ₹5 lakh from ₹1 lakh, enabling faster access to funds for purposes such as illness, education, marriage and housing. 

EPFO, which has around 8 crore members, introduced online auto-settlement of advance claims during the COVID-19 pandemic.  

Read More: Finance Bill 2026: Key PF Changes Proposed for Employees and Employers! 

Conclusion 

With UPI-enabled withdrawals and a new mobile application, EPFO aims to streamline fund access, cut claim processing time and improve service delivery for its 8 crore members while maintaining existing digital platforms. 

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