New Delhi, July 13 -- Most Employees' Provident Fund (EPF) subscribers know they can make partial withdrawals while still in service. What they often don't know is how much they are actually eligible to withdraw.

Until now, the answer wasn't straightforward. The withdrawal amount depended on different formulas for different purposes, and subscribers usually got to know the sanctioned amount only once the claim was processed.

That changes with the Employees' Provident Funds Scheme, 2026, which simplifies withdrawals by replacing more than a dozen withdrawal provisions with three broad categories-essential needs, housing, and special circumstances.

It also introduces a clearer structure for withdrawals. You can access up to 75% of your t...