In a major update for salaried workers in India, the Employees’ Provident Fund Organisation (EPFO) is developing a new mobile application set to be rolled out by April 2026, which will allow subscribers to withdraw a portion of their Employees’ Provident Fund (EPF) savings directly into their bank accounts using the Unified Payments Interface (UPI).

Currently, EPFO members use the UAN portal or the UMANG app to file withdrawal claims — a process that can take several days. The new app aims to simplify this by offering instant, paperless transfers with just a UPI PIN, eliminating much of the traditional paperwork and waiting time for eligible withdrawals.

Under the proposed system, a portion of the EPF balance will remain locked for retirement security, while a significant share can be moved to a linked bank account via UPI-based transfer. Members will also be able to view passbook balances and eligible funds right within the app.

The initiative is part of EPFO’s broader digital transformation, aiming to make provident fund services more user-friendly and efficient, reduce administrative burden, and bring retirement savings access closer to the convenience of modern banking.