The Employees’ Provident Fund Organisation (EPFO) has introduced a New and latest facility that lets enrolled members to withdraw money from their Provident Fund (PF) accounts through ATMs and it can be done in just 60 seconds very easy process. This innovative feature, popularly called the EPFO ATM trick, is part of the broader EPFO 3.0 initiative aimed at simplifying and digitizing fund access for millions of Indian workers across the whole country.
What Is the EPFO ATM Trick?
The EPFO ATM trick refers to a new feature that allows EPFO members to withdraw their PF money directly from ATMs, just like a regular bank withdrawal. This facility is possible by linking your Aadhaar number with your Universal Account Number (UAN). Once this is done, you can access your PF funds easily through EPFO-affiliated bank ATMs.
This trick doesn’t involve any shortcuts or hacks it’s an official, secure process launched by EPFO to improve accessibility and remove paperwork from the withdrawal process.
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Key Features of the EPFO ATM Trick
| Feature | Description |
|---|---|
| Speed | Withdraw money in 60 seconds |
| Security | Aadhaar-linked and OTP-verified |
| Accessibility | Withdraw from EPFO-linked bank ATMs anytime |
| Cost | No extra charges |
| Online Tracking | Monitor your withdrawal status online |
| Convenience | No need to visit EPFO offices or wait in long queues |
How to Use the EPFO ATM Trick – Step-by-Step
Follow these simple steps to withdraw your PF using the EPFO ATM facility:
| Step | Action |
|---|---|
| 1 | Visit an EPFO-affiliated bank’s ATM |
| 2 | Select the “EPFO” option on the ATM screen |
| 3 | Enter your UAN number |
| 4 | Enter the OTP sent to your Aadhaar-linked mobile number |
| 5 | Input the amount you wish to withdraw |
| 6 | Confirm the transaction |
| 7 | Receive a printed receipt |
| 8 | Collect your cash |
What Is the EPFO ATM Card?
Under the EPFO 3.0 platform, members will soon receive a dedicated ATM card, similar to a debit card. This card will be linked directly to your PF account and will allow you to:
- Withdraw up to 50% of your PF balance (initially)
- Check your PF balance
- Transfer funds to your bank account
- Make withdrawals anytime, anywhere from partner bank ATMs
This card is expected to launch by January 2025 after the full rollout of EPFO 3.0.
Benefits of the EPFO ATM Trick
The ATM withdrawal facility offers multiple advantages:
1. Fast Access to Funds
You no longer need to wait days for your PF claims to process online. With this ATM option, you can get your cash in less than a minute.
2. Safe and Secure
Transactions are OTP-protected and Aadhaar-linked, ensuring only you can access your funds.
3. No Extra Charges
The entire process is free of cost. No service charges apply for ATM withdrawals.
4. Ease of Use
Even those unfamiliar with online portals can use an ATM to withdraw their PF money.
5. Flexibility
Withdraw funds when you need them, without any office visits or forms.
Important Facts to Remember
| Fact | Detail |
|---|---|
| Eligibility | Available to all EPFO members with Aadhaar and UAN linked |
| OTP Requirement | Mandatory for every withdrawal |
| Bank Link | Your bank must be registered with EPFO |
| Charges | No fees for using the ATM facility |
| ATM Access | Available only at EPFO-affiliated bank ATMs |
| Withdrawal Limit | Initially set to 50% of PF balance (subject to change) |
EPFO ATM trick Requirement
Before using the EPFO ATM trick, ensure the following:
- Your UAN is linked with Aadhaar
- Your mobile number is linked to Aadhaar (to receive OTP)
- Your bank account is registered with EPFO
- Use only EPFO-approved ATMs for the transaction
Frequently Asked Questions (FAQs)
Is the EPFO ATM trick available to all members?
Yes, as long as your UAN is Aadhaar-linked and your bank is registered with EPFO.
Are there any charges to use the EPFO ATM feature?
No, it’s completely free for all EPFO members.
Which banks offer this ATM facility?
Only banks affiliated with EPFO currently provide this facility. A list will be made available on the EPFO portal soon.
When will the EPFO ATM card be launched?
The EPFO ATM card is expected to launch in January 2025 under the EPFO 3.0 platform.
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Conclusion
The EPFO ATM trick is a major step forward in making PF withdrawals faster, easier, and more accessible for over 70 million EPFO subscribers. By simply linking your Aadhaar and UAN, you can say goodbye to long waits and paperwork. Whether you need emergency funds or want to check your PF balance, this facility gives you complete control at your fingertips.