Advance/Withdrawals may be availed for the following purposes:
(No need to refund unless misused/not used)

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
Type of Advance Purpose Eligibility Maximum Admissible Amount** proof/ documents required
Under Para 68-k of Scheme
3 times in the entire service
Apply in Form-31
  1. for the marriage of :
    • self
    • son,daughter
    • brother,sister
  2. for education of :
    • self
    • son,daughter
  • Should complete atleast 7 Years of service
  • This 68k adv. will be given only 3 times
50% of Employee share at the time of tendering the application Apply in From-31 through Employer

Cost certificate from head of the proposed educational institution

No extra proof for marriage other than the application submitted through employer

If the marriage is over, solomnity certificate should be produced
Under Para 68-j of Scheme
Many times as per the requirement
Apply in Form-31
for the treatment of :
  1. self
    1. Hospitalisation for 1 month or more
    2. major surgical operation in a hospital
    3. 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

  2. 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 & proof as mentioned in the eligibility column

Apply in From-31 through Employer
Under Para 68-B of 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 ..)

(Not for plot without house. It is another type of advance)
  • 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 spouse
36 times of Wages Declaration in the Performa obtained along with application signed by Member

Apply in From-31 through Employer
Under Para 68-BB of Scheme
Only Once (either 'construction or purchase of house' or 'repayment of housing loan)
Apply in Form-31
repayment of housing loan

(Not for plot without house. It is another type of advance)
  • 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
  • Loan should be availed from State Govt., Co-operative Society, Housing board,Muncipal Corporation or a body similar to the Delhi Development Authority
36 times of Wages Declaration in the Performa obtained along with application signed by Member

Apply in From-31 through Employer
Under Para 68-B of Scheme
Only Once
Apply in Form-31
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 spouse or jointly
  • should not be a joint property owned by other than spouse
24 times of Wages Filled-up Declaration(from Employer/Bank) given from EPFO along with the application.

Copy of Purchase Agreement

Apply in From-31 through Employer
Under Para 68-B-7 of 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 & proof

Apply in From-31 through Employer
Under Para 68-B-7 of Scheme
Only once
Apply in Form-31
Repair of house
(same type of advance can be availed for alteration of house)
  • Should complete 10 Years after construction
  • Annexure XIII (construction complete 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 & proof

Apply in From-31 through Employer
Under Para 68-H of Scheme
Many times as per requirement
Apply in Form-31
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 (discretion) declaration

Apply in From-31
Under Para 68-NN of Scheme
Only once
Apply in Form-31
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 From-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.

l Certificate of damage from appropriate authority.
l State Govt. declaration.

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

No.31

l 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

l 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

l Wages for a month
OR
l 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
  • The RPFC/APFC in charge of the office has discretion to fix the quantum of advance
  • 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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    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