KEY HIGHLIGHTS
- EPFO now allows PF withdrawal for weddings with much simpler rules.
- You can withdraw up to 100% of your PF balance and apply up to 5 times.
- Only a simple declaration needed — no marriage card or certificate required.
If you’ve ever worried about arranging money for a wedding, here’s a small relief — your PF account can now support you more than before.
EPFO has changed the rules, and the new system is honestly far more practical for common users. No drama, no heavy paperwork… just a simple process you can finish online.
Here’s the asli sach about how much you can withdraw.
PF Withdrawal Rules for Marriage (Quick Breakdown)
Under the latest EPFO update, members can now withdraw up to 100% of their PF balance — yes, both employee + employer contributions — for:
- Their own wedding
- Son/Daughter’s wedding
- Brother/Sister’s wedding
And the best part? You can do this up to five times in your entire service period.
Earlier, the limit was only three times.
You also no longer need to complete seven years of service.
Now, only 12 months of service is enough.
Plus, no need to upload marriage cards, invitation letters, or certificates.
A simple declaration will do.
Summary Table of EPFO Marriage Withdrawal Rules
| Feature | Earlier Rules | Latest Rules |
|---|---|---|
| Withdrawal Limit | Partial (not 100%) | Up to 100% of PF balance |
| Number of Times Allowed | 3 times | 5 times |
| Minimum Service Required | 7 years | 12 months |
| Documents Required | Marriage card/certificate | Only a declaration |
| Eligibility | Self or dependents | Self + wider family (siblings included) |
Why EPFO Made These Changes
Let’s be honest — weddings in India can burn a hole in anyone’s pocket.
EPFO realised that forcing people to take loans when they already have money saved in PF wasn’t practical.
So now, you can use your own accumulated funds at the moment you actually need them.
This is a paisa-vasool update for private-sector employees who rely heavily on PF for emergencies.
How Much Can You Withdraw?
If your PF account has:
- ₹3 lakh balance → You can withdraw ₹3 lakh
- ₹6.5 lakh balance → You can withdraw ₹6.5 lakh
- There’s no fixed upper limit; it fully depends on your total PF balance.
Since it covers both your own contribution and your employer’s, the amount can be surprisingly helpful.
Important Points to Remember
- If you’ve already withdrawn earlier, those attempts count toward the total limit of 5 times.
- Withdrawal for marriage falls under Form 31 (Advance).
- Payment is usually processed straight to your bank account linked to your Aadhaar.
- Ensure your KYC is updated; otherwise, the request may get stuck.
Frequently Asked Questions
1. Can I withdraw PF for my brother or sister’s wedding?
Yes. Under the new rules, siblings are included, and you can withdraw up to 100% of your balance.
2. Do I need to submit a wedding card or certificate?
No. A self-declaration on the EPFO portal is enough.
3. How many times can I withdraw PF for marriage?
You can withdraw up to five times during your entire job period.
