The rules for withdrawing from the EPF and VPF ( Voluntary Provident Fund) are the same. VPF also has a 5-year lock-in period. However, if you leave before the 5 years are over, you will have to pay taxes. When you retire or resign, you will take money out of your VPF account. Withdrawals are also possible in the event of an emergency, such as a wedding, hospital bills, or the redemption of a home loan, among other things.