I am an Indian citizen. I worked in the US for eight years. I moved to India this year. In my company’s records, my joining date is February 2014. After moving to India, I have been contributing for my Employees’ Provident Fund(EPF), with my company also putting in its share. If I quit before I finish five years of EPF contribution what would be the status of my EPF?

Abraham Abraham
Answered on February 10,2020

You need to identify from your employment records, the date on which you became member of the EPF scheme and started making contributions to EPF. The period of five years shall be calculated from this date.

One may choose to withdraw EPF completely or partially. EPF can be completely withdrawn under any of the following circumstances:

a) When an individual retires from employment;

b) When an individual remains unemployed for two months or more. Complete withdrawal of EPF while switching over from one job to another without remaining unemployed for 2 months or more i.e. during the interim period between two jobs is not allowed as per PF rules. Partial withdrawal of EPF can be done under certain circumstances such as, for the purpose of marriage, education, etc. subject to prescribed conditions.