The Employees’ Provident Fund Organisation (EPFO) has recently increased the limit for auto-settled advance claims from ₹1 lakh to ₹5 lakhs. This means that eligible members can now receive up to ₹5 lakhs from their EPF account without any human intervention, as long as their KYC details are verified and Aadhaar is linked. The facility covers urgent needs such as illness, education, marriage, housing, and other emergency-related expenses.
Once the claim is submitted through the EPFO portal with Aadhaar authentication, the funds are typically credited directly to the member’s bank account within 72 hours. This step is a major relief for lakhs of EPF members who rely on their savings during times of crisis.
What’s Changed?
- Old Limit: ₹1 lakh
- New Limit: ₹5 lakhs
- Purpose (PF Withdrawal Advance) : Illness, education, marriage, house construction, and more
- Time: Just 3 working days—if KYC is complete
Now, when life throws you into urgent financial need, your own hard-earned money will come to your rescue—faster and in larger amounts.
The Numbers Behind the Change
- 2.34 crore advance claims were auto‑settled in FY 2024–25—a 161% jump from the previous year
- 76.5 lakh claims already settled via auto-mode in the first 75 days of FY 2025–26
- Over 50% of claims are now settled within 3 days
This move is not just a policy tweak—it’s a powerful shift toward timely financial support when members need it the most.
What You Need To Do
To make sure you can access up to ₹5 lakhs instantly during a crisis:
- Ensure your Aadhaar, PAN, and bank account details are linked and verified in your UAN
- Apply using Aadhaar OTP verification on the EPFO portal
- Choose the correct reason (e.g., illness, education, marriage) and claim type (Form 31)
Final Word
Your PF isn’t just for retirement. It’s also your emergency cushion. And with this update, EPFO is making sure you don’t feel helpless when you need funds the most.
Whether it’s for your child’s education, a loved one’s surgery, or building your first home—₹5 lakhs of your savings is now just a few clicks away.
Check your PF account, update your KYC, and stay prepared.
Want to know if you’re eligible for this fast-track claim process?
👉 Use FinRight’s free PF Health Check Tool– CheckMyPF
