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EPF & MP Act 1952
Benefits to Members
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Advances / Withdrawls
Advance/ Withdrawals may be availed for the following purposes :
  • Marriage / Education
  • Treatment
  • Purchase or construction of Dwelling house
  • Repayment of Housing Loan
  • Purchase of Plot
  • Addition/Alteration of House
  • Repair of House
  • Lockout
  • Withdrawal Prior to Retirement
  • Other Advances
  • Notes
For Marriage / Education
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-k of the Scheme For the marriage of:
  1. self
  2. son, daughter
  3. brother, sister
For education of :
    • self
    • son, daughter
Should complete atleast 7 years of service. 3 times in the entire service 50% of Employee share at the time of tendering the application Apply in Form-31 through the Employer

Bonafide Certificate duly indicating the fees payable from the educational institution

Marriage invitation card along with the 
application should be submitted through the employer            

For Treatment                            
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-j of the Scheme
Whenever required for treatment
 
For the treatment of :
  1. self
  2. Hospitalisation for 1 month or more
    1. major surgical operation in a hospital
    2. suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment
      and having been granted leave by his employer for the treatment of said illness

  1. family( spouse, son, daughter, dependent father, mother)
    1. major surgical operation in a hospital and 1 month or more hospitalisation for the operation
    2. suffering from TB, leprosy, paralysis, cancer, mental derangement or heart ailment
  • No minimum service required
  • Certificate from ESI or from Employer that the ESI facility are not available to the member
  • a doctor [ or registered medical practitioner] of the hospital certifies that a surgical operation or hospitalisation for 1 month or more is/was necessary
  • In case of TB, leprosy ...etc., a specialist doctor should certify
6 times of Wages

OR

Full of Employee share
(whichever is less)
Certificates of proof as mentioned in the eligibility column

Apply in Form-31 through the Employer

For he construction/ purchase of dwelling unit (house/ flat)
                           
Type of Advance
Purpose
Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-B of the Scheme
Only Once (either 'construction or purchase of house' or 'repayment of housing loan)
Apply in Form-31
For the construction/ purchase of dwelling unit (house/ flat)

  • Should complete 5 Years of service
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than the spouse
36 times of Wages Declaration in the Proforma obtained along with application signed by Member

Apply in Form-31 through Employer

Repayment of housing loan
                    
Type of Advance
Purpose
Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-BB of the Scheme
Only Once (either 'construction or purchase of house' or 'repayment of housing loan) Apply in Form-31
Repayment of housing loan


  • Should complete 10 Years of service
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
36 times of Wages Declaration in the Proforma obtained with approval and signed by the Member

Apply in Form-31 through the Employer

For the purchase of site/ plot
                  
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-B of the Scheme
Only Once
 
For the purchase of site/ plot
  • Should complete 5 Years of service
  • Only once in service
  • property should be registered in the name of self or jointly with spouse 
  • should not be a joint property owned by other than spouse
24 times of Wages Filled-up Declaration(from the Employee in the prescribed form and enclosed with the application.

Copy of the Purchase Agreement

Apply in Form-31 through the Employer

Addition/alteration of house
                  
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-B(7) of the Scheme
Only Once
Apply in Form-31
Addition/alteration of house
(same type of advance can be availed for repair of house)
  • Should complete 5 Years after construction
  • Annexure III (construction / completion certificate/ utilisation certificate) should be submitted
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
12 times of Wages Certificates of proof

Apply in Form-31 through the Employer

Repair of house
                                                        
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-B(7) of the Scheme
Only once    
Repair of house
(same type of advance can be availed for alteration of house)
  • Should complete 10 Years after construction
  • Annexure XIII (construction completion certificate) should be submitted
  • Only once in service
  • property should be in the name of self or spouse or jointly
  • should not be a joint property owned by other than spouse
12 times of Wages Certificates of proof

Apply in Form-31 through the Employer

Lockout or closure of the establishment
                          
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-H of the Scheme
Whenever need arises    
Lockout or closure of the establishment
  • No minimum service
  • should be closed for more than 15 days
  • Wages for atleast 2 months is not paid
  • Balance should be there in Employee's share. If closed for more than 6 months, advance can be allowed from Employer's share also
equivalent to the total of wages multiplied by no. of months closed Declaration

Apply in Form-31

Withdrawal prior to retirement
                                
Type of Advance Purpose Eligibility Maximum Admissible Amount** Proof/ documents required
Under Para 68-NN of the Scheme
Only once    
Withdrawal prior to retirement
  • No minimum service
  • atleast 54 years of age
  • 1 year before retirement
90% of total of both shares Certificate from the employer showing the date of retirement

Apply in Form-31

Other Advances

68L : ADVANCE IN ABNORMAL CONDITIONS
Types of Benefit Eligibility Eligible Amount Form Documentary Support

Grant of advance in abnormal conditions, Natural calamities etc.

· Certificate of damage from appropriate authority.

· State Govt. declaration.

Rs. 5000/- or 50% of member’s own share of contribution (To apply within 4 months)

No.31

Certificate from the Appropriate Authority.


68 M : ADVANCE TO MEMBER AFFECTED BY CUT IN THE SUPPLY OF ELECTRICITY
Types of Benefit Eligibility Eligible Amount Form Documentary Support

Grant of advance to members affected by cut in the supply of electricity

The advance may be granted only to a member whose total wages for any one month commencing from the month of January 1973 were 3/4th or less than 3/4th of wages for a month

Wages for a month
OR
Rs.300/-

No.31

Certificate from State Govt. regarding cut in the supply of electricity.


68 N : GRANT OF ADVANCE TO MEMBERS WHO ARE PHYSICALLY HANDICAPPED
Types of Benefit Eligibility Eligible Amount Form Documentary Support

To Physically Handicapped member for purchase of an equipment required to minimize the hardship on account of handicap.

Production of medical  certificate from a competent medical practitioner to the effect that he is physically handicapped

Basic wages+ DA for six months
or own share of contribution with interest or cost of equipment which ever is least.

No.31

Certificate from the Medical practitioner to the effect that the member is physically handicapped..


**Notes                        ·  
The amount of advance/withdrawal is not required to be refunded under normal circumstances. If the amount is not utilised, the same should be refunded with penal interest ·   A fixed minimum balance in the account will be kept before arriving at the amount of advance admissible subject to the above conditions ·   For calculation/ computing the period of membership U/P 68B, 68BB, 68K, total service exclusive  of periods of break under the same employer before the scheme is applied to him, as well as period of membership of the fund is always included
 
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