PF Eligibility Calculator - Mrwill Quiz and Facts

Explanation of Fields in the PF Eligibility Calculator

1. Years of Service

👉 How long have you worked (total service years contributing to PF)?
Example: If you worked 3 years in one company and 5 in another (both PF linked), then Years of Service = 8.
Why it matters: Some partial withdrawals need minimum years of service (e.g., 7 years for marriage/education, 5 years for house).

2. Total PF Balance (₹)

👉 The total amount in your PF account = Employee contribution + Employer contribution + Interest.
You can check this from the EPFO Passbook / UMANG app.
Why it matters: This is the maximum base amount you can withdraw from.

3. Employee Share + Interest (₹)

👉 The part of the PF balance that you (employee) contributed, plus interest on it.
If you don’t know → leave blank → calculator will assume 50% of total PF balance (approximate).
Why it matters: Some withdrawals (marriage, education, medical) are limited to your employee share only.

4. Monthly Basic + DA (₹)

👉 Your monthly Basic Salary + Dearness Allowance (DA).
You’ll find this in your salary slip.
Why it matters: For medical, house purchase, renovation withdrawals, the rules are tied to “X months of Basic+DA”.
- Example: Medical = 6 months of Basic+DA.

5. Employment Status

Options:
- Currently Working → You are still employed. Only partial withdrawal allowed.
- Left Job → You left your job. Full or partial withdrawal rules apply.

6. Months Since Leaving Job

👉 How many months have passed since you left your last job.
Example: Left job in July, now October → 3 months.
Rules:
- <1 month → No withdrawal (except medical/loan cases).
- ≥1 month → You can withdraw up to 75% PF.
- ≥2 months → You can withdraw 100% PF.
If still working → enter 0.

7. Purpose of Withdrawal

👉 Reason for withdrawing PF money. Each has different rules:
- Marriage – Up to 50% of employee share after 7 years.
- Education – Up to 50% of employee share after 7 years.
- Medical – Up to ₹50,000 or 6 months Basic+DA or employee share.
- Purchase/Construction of House – 36 months Basic+DA or total PF after 5 yrs.
- Home Loan Repayment – 90% of total PF after 10 years.
- Renovation – 12 months Basic+DA or PF after 5 yrs.
- Unemployment Advance – 75% of the total PF after 1 month.

8. I can provide the required documents (Checkbox)

👉 Whether you have the supporting proof for withdrawal (marriage certificate, medical bills, education admission proof, home loan papers, etc.).
Why it matters: Without documents → chances of approval are low even if you are technically eligible.

✅ After you fill these in, the calculator:

Tells you the maximum amount you can withdraw.
Gives you a likelihood of approval (High, Medium, Low, Not Eligible).
Shows the rule applied so you understand why.

Partial PF Withdrawal Rules (Advance/Loan from PF)

Purpose	Eligibility (Service Years)	% of Balance Withdrawable	Notes
Marriage (self/child/sibling)	7 years	Up to 50% of employee share + interest	Max 3 times during service
Education (self/children)	7 years	Up to 50% of employee share + interest	Higher education only
Medical (self/family)	Anytime	Lower of ₹50,000 or 6 months’ basic wage + DA or employee share + interest	No minimum service required
Purchase/Construction of House/Flat	5 years	Up to 36 months’ basic wages + DA or total PF balance (whichever is lower)	Property must be in employee/spouse’s name
Home Loan Repayment	10 years	Up to 90% of PF balance	Proof of loan required
House Renovation	5 years (from completion of house)	Up to 12 months’ basic wages + DA or PF balance (whichever is lower)	Max 2 times
Unemployment (Advance)	If unemployed >1 month	Up to 75% of PF balance	Remaining 25% can be withdrawn after 2 months

PF Eligibility – Frequently Asked Questions (FAQ)

1. What does “PF Eligibility” mean?

When people talk about PF eligibility, they usually mean:

Can I withdraw my PF money?
How much of it is available (partial or full)?
Do I qualify for pension benefits (EPS)?

2. How is PF withdrawal eligibility decided?

Your PF balance alone does not decide eligibility. You must check both:

Service period (how many years you’ve worked with PF contributions)
PF balance (Employee + Employer contribution + Interest)

✅ Withdrawal Rules:

Full PF Withdrawal
- Allowed if you are unemployed for 2 months or more after leaving your job.
- You get Employee + Employer contributions + Interest.
- EPS (Pension) depends on years of service.
Partial PF Withdrawal
- Allowed for specific reasons: education, marriage, home loan, medical treatment, house construction/renovation.
- The percentage depends on purpose (e.g., up to 50% of employee share after 7 years of service for marriage/education).
EPS (Pension) Eligibility
- If you worked 10+ years → you’re eligible for a monthly pension after 58 years.
- If less than 10 years → you can withdraw the EPS balance at the time of leaving.

3. How can I check my PF balance?

You can check your PF balance in 4 easy ways:

UMANG App → Login → EPFO → View Passbook.
EPFO Portal → https://passbook.epfindia.gov.in/ → enter UAN + password.
SMS → Send EPFOHO UAN ENG to 7738299899 from your registered mobile number.
Missed Call → Dial 011-22901406 from your registered mobile number.

4. Can you give me some example scenarios?

✔ Example 1: PF balance = ₹80,000, left job 3 months ago → ✅ Eligible for full withdrawal.

✔ Example 2: PF balance = ₹50,000, still working → ❌ Full withdrawal not allowed, but partial withdrawal (like medical/education) is possible.

✔ Example 3: Worked 12 years, PF passbook shows EPS balance → ❌ Pension amount cannot be withdrawn now, but ✅ you’ll get a monthly pension at retirement (58 years).