PF Withdrawal After Resignation And Joining New Company

mangeshab
Dear friends, i have worked in my previous organization for 6 years. i resigned on Apil 2015 and joined the new firm from July 2015 after serving the 3 months notice period. i want to withdraw my PF for immediate want of funds. however, the new firm is saying they can not open a new PF account as i already have a PF account. So in this case if my existing firm continues with using my old PF account will i be able to withdraw funds from it. i need those funds desperately so need your advise on how to go about it? can i opt out of PF completely? please let me know.
abbasiti
Dear Mangeshab,

If you are continuing in the same PF account, there is no option to withdraw the amount. But you may take loan as detailed below, provided a minimum employee contribution (with interest) of Rs. 1000 is lying with PF.

1. 68(B) -Towards house consruction/purchace/ plot purchase etc. Minimum service required - 5 years. Amount admiissible - 100% of both employee & employer contribution.

2. 68(H) - Towards 2 months or more lock out (due to other than strike). No minimum service. Amount admissible - 6 times of basic+DA or employee contribution, whichever is less.

3. 68(J) - Towards one month hospitalisation, major surgical operation, diseases like leprosy, TB, cancer, mental retardation etc. No minimum service, but for out of ESI coverage members. Amount admissible - 6 times of basic+DA or employee contribution, whichever is less.

4. 68(K) - a) Towards post metric education of children.

b) Towards own/brothers'/sister's/children's marriage. Maximum three times in service. Minimum service required - 7 years. Amount admissible - 50% of employee contribution.

5. 68(N) - Applicable for physically handicapped towards purchase of equipment to reduce handicapness.Amount admissible - 6 times of basic+DA or employee contribution or cost of the equipment, whichever is less.

6. 68(NN) - After attaining an age of 54 years and before one year from the date of superannuation, whichever is later. Amount admiissible - 90% of both employee & employer contribution.

Abbas.P.S
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