EPFO App to Introduce 4 Major Features: Withdraw Your Savings via UPI from Home

The Employees’ Provident Fund Organisation (EPFO) is set to launch its new mobile app in April 2026, aiming to make PF services as convenient as banking. The highlight of the new app will be the ability to withdraw your PF savings directly to your bank account via UPI, eliminating the need to wait for weeks to access your money.

Here’s a look at the top 4 features of the upcoming EPFO app:

1. Withdraw PF via UPI
The new app will allow users to transfer eligible PF funds directly to their bank accounts using UPI. This move is part of the government’s initiative to make EPFO services faster, simpler, and more user-friendly, similar to modern banking apps.

2. Clear Separation of Balances
Users will see their PF balance divided into two categories:

• Eligible Balance – the portion that can be withdrawn immediately.
• Locked Balance – at least 25% of the total fund, which remains inaccessible until retirement.

This clear distinction will make it easier for users to track and manage their savings.

3. Automatic Claim Settlement
The app will feature an auto-settlement mode, allowing claims of up to ₹5 lakh to be processed electronically within 3 days without human intervention. This feature will reduce workload for EPFO and help users access funds for urgent needs such as medical emergencies, education, marriage, or housing.

4. Full UPI Integration
The EPFO app will be fully integrated with BHIM and other UPI platforms, offering a seamless experience similar to popular banking apps. The government aims to make EPFO services as easy to use as digital banking.

With these upgrades, the EPFO app promises to transform how employees manage and access their provident fund savings, bringing speed, transparency, and convenience right to their fingertips.