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Staff Rulings – 25. General Provident Fund - 2

104. How many times advance from GPF can be availed in a year?

Even though the orders specify that at least four months time gap is required in between two advances and six months time gap for withdrawals, the sanctioning authority may relax these rules. In many circles, the officials are drawing GPF advance every month.

105. Whether the GPF advance already taken may be converted as part final withdrawal?
Yes. GPF advance already availed may be converted into part final withdrawal, subject to requisite conditions and approval of the competent authority.

106. What are the reasons for which GPF withdrawal can be made?
GPF withdrawal may be availed for the reasons of higher education of self, children, legal expenditure, expenses towards betrothal, marriage, purchase of consumer durables such as TV, VCR, washing machines, computers etc. Moreover, withdrawal can also be availed for the purchase or construction of house, repairs or renovation of house etc. If the applicant has less than 12 months for his superannuation, there is no need to furnish any reason for withdrawal from his GPF account.

107. What is the qualifying service required for an employee for applying withdrawal from GPF? Is there any further relaxation available?
As per Rule 15 (I) (A) of the GPF Rules, one should have completed 15 years of service or be should have less than 10 years for his superannuation for making a withdrawal from the GPF.
However as per Rules 15 (I) (B), the condition need not be applied in case of purchase of ready built house/flat, purchase of site, construction of the house, repairs, reconstruction or repayment of loan taken for the said purposes.


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