Overview
- Members who become unemployed can withdraw 75% of their EPF balance immediately, with full EPF withdrawal available only after 12 months of continuous unemployment.
- The minimum service requirement for any partial withdrawal is now a uniform 12 months, with previous purpose‑based categories consolidated and claims expected to be processed largely paperlessly.
- A mandatory minimum balance rule requires at least 25% of the corpus to remain after withdrawals to discourage premature depletion.
- Withdrawal frequency caps have been eased, allowing up to 10 claims for education and up to 5 for marriage during service.
- EPS changes include a 36‑month wait for pension withdrawal after job loss, rollout of a centralized digital pension payment system, and recognition of higher‑pension eligibility where contributions were made on actual salary.