You can get PF money before retairment for following purpose:
1.Marrige/Education
Service: 7 years
Amount: 50% of employees contribution
How many times: 3 times in whole service
2.Treatment (For treatment of self and dependens)
Service: Any time
Amount: full or six times of salary (which is less)
How many times: 1 time in whole service
3.House construction and purchage:
Service: 5 years
Amount: 36 times of basic salary
How many times: 1 time in whole service
4.Return of home loan:
Service: 10 years
Amount: 36 times of salary
How many times: 1 time in whole service
5.Site purchage:
Service: 5 years
Amount: 24 times of basic salary
How many times: 1 time in whole service
6.House renovation:
Service: 5 years
Amount: 12 times of salary
How many times: 1 time in whole service
Employee after complited 54 years can claim 90% of PF amount as a loan or one year before this amount can claim.
For more information:
http://www.epfindia.com/
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