Thread by @QuirkyLogic

🚨 A lot of false info is flying around about the new #EPFO rules.
Many think you can’t withdraw your PF for 12 months after job loss.

That’s wrong.
Here’s what’s really changed (and what hasn’t) 👇

For years, employees could withdraw their full PF 2 months after leaving a job.

Now:
✅ You can still withdraw 75% of your PF
⏳ Only the final 25% can be withdrawn after 12 months.

Pension withdrawal needs 36 months.

So #EPFO hasn’t locked your money for a year, it’s just changed the final settlement timeline.

Right or wrong, the goal? To keep some balance earning 8.25% interest and protect your retirement savings.

Here’s what actually changed under #EPFO 3.0👇

13 confusing withdrawal clauses → now just 3 categories:
🟦 Essential (education, marriage, illness)
🟨 Housing
🟩 Special Circumstances

Partial withdrawals allowed after 12 months of service (earlier 5–7 years).

Up to 100% withdrawal of your eligible balance (75% accessible, 25% must stay).

No paperwork. Digital auto-settlement.

Everyone’s shouting, few are reading 👇

Myths vs Facts: #EPFO

❌ “You can’t touch PF for 12 months after job loss”
✅ You can withdraw 75%

❌ “EPFO has made withdrawals tougher.”
✅ They’ve actually simplified 13 confusing rules into 3 clear ones.

❌ “This kills liquidity.”
✅ Partial withdrawals now allowed after 12 months of service, not 5–7 years.

Let’s be clear:

Your PF was never an emergency fund.
It’s your retirement safety net.

If you rely on PF for liquidity, you don’t have a financial plan, you have a ticking time bomb.

#EPFO

So, is #EPFO right to “protect” your savings or wrong to delay full access? #epfoscam

What do you think ? 👇

Most people are reacting to headlines.

You just read the facts.

🔁 RT this to fix the misinformation. #EPFO

https://x.com/QuirkyLogic/status/1978310499507785766?t=2HCcj7AwaKbZKn7cH2gkWA&s=19