Provident Fund Withdrawal

Temporary Advances (Loan) – Key Points

Topic	Details
Eligibility	Serving JCOs, ORs, NCs (E)
Who Sanctions?	Commanding Officer (Lt Col & above)
Amount Admissible	Max: 3 months’ Pay OR 50% of Fund Balance (whichever is less)
Recovery	Max 24 monthly instalments
Consolidation	If fresh advance is taken before clearing previous, old balance is added & new instalments fixed
Higher Amount	If exceeds 3 months’ Pay → 36 instalments allowed
Purposes Allowed	Medical treatment (self or dependent) Education (self or dependent) Marriage, funeral, ceremonies Purchase of agricultural land Study leave abroad Legal expenses Admission to NDA Khadakwasla Purchase of household durables (TV, washing machine, geyser, computer, etc.)

Special Note: Advances for other genuine reasons may be granted with proper justification.

Final Withdrawal (FW) – Key Points

Topic	Details
Eligibility	Generally after 10 years’ service OR within 10 years before superannuation
Sanctioning Authority	CO (Lt Col & above)
Normal Limit	6 months’ Pay OR 50% of Fund Balance (whichever is less)
Special Limit	Up to 75% of Fund Balance
Before Retirement	Up to 90% of Fund Balance can be withdrawn within 12 months of retirement/superannuation
Purposes Allowed	House purchase/construction/repair Purchase of house site Higher education (including travel expenses) Marriage (self, children, dependents) Medical expenses (self, dependents)

Important Guidelines for Applying

Guideline	Details
Application Form	Must be complete & signed.
Sanction	Competent authority’s approval required.
DO II Entry (If required)	Mention exact purpose: e.g., “Addition(<10 years service) & Addition /Alteration(>10 years service)” (Not vague terms like “As per SAO/AO”). Start purpose with Capital Letter (Example: “Medical” not “medical”).
Matching Amounts	Amount in Application and Sanction Order must be the same.
Specimen Signature	Sanctioning authority’s signature must be available in PAO records.
Countersign	Contingent bill must be properly countersigned.
Consolidated Loan	If combining advances, sanction must mention full amount.

Common Reasons for Rejection (PAO)

Reason
More than one withdrawal within 6 months.
Mismatch between sanctioned amount & application.
Missing signature specimen of sanctioning authority.
Contingent bill not countersigned.

Checklist for Fund Withdrawal

Check	Document/Requirement
✔️	Complete Application Form
✔️	Sanction by Competent Authority
✔️	Countersigned Bill
✔️	Matching amounts in all documents
✔️	Purpose clearly stated without abbreviations
✔️	DO II issued if applicable