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EPF Withdrawal: New Job After Full Withdrawal? Know Rules & Tax Implications!
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CNBC Awaaz•27-09-2026, 13:35
EPF Withdrawal: New Job After Full Withdrawal? Know Rules & Tax Implications!
- •Unemployed members can withdraw up to 75% of EPF balance immediately; remaining 25% after 12 consecutive months of unemployment.
- •If you withdraw the entire EPF and get a new job, the withdrawn amount cannot be redeposited.
- •Upon new employment, the same UAN is used, and the new employer links EPF contributions to it.
- •Tax rules apply, especially if EPF is withdrawn before five years of continuous service.
- •EPF is a long-term retirement saving; consider actual needs before full withdrawal.
Key Questions Answered
Under the current rules, members can immediately withdraw up to 75% of their EPF balance in case of unemployment. The remaining 25% can only be withdrawn after remaining unemployed for 12 consecutive months.
No, if a person has withdrawn their entire EPF balance, that previously withdrawn amount cannot be deposited back into the account when starting a new job. However, contributions can restart with the new employer using the same permanent UAN.
No, the Universal Account Number (UAN) is a permanent number that remains the same throughout your career, even when you change jobs. Your new employer can link your EPF contributions and transfer your previous service details to this existing number.
