When can I take a Non-Refundable GPF withdrawal?

You can withdraw up to 75% of the balance after completing 15 years of service (including broken service). For illness or specific reasons, the service limit is 10 years.

Is a reason required for 90% withdrawal before retirement?

No. Government servants can withdraw up to 90% of their GPF balance without assigning any reason if they are within 12 months (1 year) of superannuation.

New Delhi:
For General Provident Fund (GPF) subscribers, the rules for withdrawal in 2026 allow for “Paperless” claims without documentary proof for specific grounds. However, distinguishing between a Temporary Advance (which you must repay) and a Part Final Withdrawal (Non-Refundable) is crucial for financial planning.

Updated on: 16 January 2026 | Verified against DP&PW OM No. 3/2/2017-P&PW(F)(ii).

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GPF Withdrawal Rules 2026: Non-Refundable Limit & 15-Year Rule

Quick Answer

GPF is your own money. You can access it in two ways:

• Advance (Refundable): Available anytime. Repaid in 12-60 installments. No interest charged (as it’s your money).

• Withdrawal (Non-Refundable): Available only after 15 Years of Service (or within 10 years of retirement). No repayment needed.

Eligibility for Non-Refundable Withdrawal

You cannot touch the full corpus whenever you want. The service duration dictates the limit.

Service Length / Condition	Withdrawal Limit
15 Years Service Completed	Up to 75% of Balance (Education, Marriage, House).
Within 12 Months of Retirement	Up to 90% of Balance (No reason needed).
Medical Illness (Self/Family)	Up to 90% or 6 months pay (whichever is less). (No minimum service required).
Motor Car Purchase	Up to ₹16 Lakh or 75% of balance (after 15 years service).

Risk: The “Wrong Form” Rejection

Your GPF claim will be RETURNED if:

1. You apply for “Non-Refundable Withdrawal” before completing 15 years service (unless for illness).

2. You have an outstanding “GPF Advance” that was sanctioned recently (rule of ‘One Withdrawal at a Time’).

3. You are under suspension (only Subsistence Allowance is paid; GPF withdrawal is restricted).

No Documentary Proof Rule (2026 Update)

Following the 7th CPC reforms, the requirement to attach “Wedding Cards” or “House Construction Estimates” has been removed for withdrawals up to specified limits. A simple Self-Declaration in the prescribed format is sufficient for:

Education of children.
Obligatory expenses (Betrothal/Marriage).
Illness.

Frequently Asked Questions

Can I withdraw GPF for purchasing a consumer item (TV/Fridge)?

Yes. You can take a Refundable Advance for purchasing consumer durables. This must be repaid in monthly installments. A Non-Refundable withdrawal is generally not permitted for this purpose unless you have completed 15 years.

How long does it take to credit the amount?

Per DoPT guidelines, the GPF claim should be settled within 15 days. In case of medical emergencies, the timeline is reduced to 7 days.

🇮🇳 हिंदी में सारांश (Summary in Hindi)

GPF पैसा निकालने के नियम 2026

1. 15 साल की शर्त: अगर आपकी नौकरी 15 साल पूरी हो गई है, तो आप 75% पैसा निकाल सकते हैं और इसे वापस जमा करने की जरूरत नहीं है (Non-Refundable)।

2. रिटायरमेंट के पास: रिटायरमेंट से 1 साल पहले आप बिना कारण बताए 90% पैसा निकाल सकते हैं।

3. कोई सबूत नहीं: अब शादी या बीमारी के लिए पैसे निकालने पर ‘शादी का कार्ड’ या ‘डॉक्टर की पर्ची’ लगाने की जरूरत नहीं है। केवल एक घोषणा पत्र (Self-Declaration) काफी है।

GPF Withdrawal 2026: 15-Year Rule & 90% Limit Guide