Withdrawals from the Fund Rule 15
(1) Subject to the conditions specified therein, withdrawals may be sanctioned by
the authorities competent to sanction an advance for special reasons under subrule (2) of
Rule 12, at any time
(A) after the completion of 1
[ fifteen] years of service (including broken periods of
service, if any) of a subscriber or within ten years before the date of his retirement on
superannuation, whichever is earlier, from the amount standing to his credit in the Fund,
for one or more of the following purposes, namely:
(a) meeting the cost of higher education, including where necessary, the travelling
expenses of the subscriber or any child of the subscriber in the following cases,
namely:
(i) for education outside India for academic, technical, professional or
vocational course beyond the High School stage; and
(ii) for any medical, engineering or other technical or specialized course in
India beyond the High School stage;
(b) meeting the expenditure in connection with the betrothal/ marriage of the
subscriber or his sons or his daughters, and any other female relation
actually dependent on him;
(c) meeting the expenses in connection with the illness, including where
necessary, the travelling expenses of the subscriber and members of his
family or any person actually dependent on him;
2
(d) meeting the cost of consumer durables such as TV, VCR/VCP, washing
machines, cooking range, geysers and computers.
(B) 3
[During the service of a subscriber] from the amount standing to his credit in
the Fund for one or more of the following purposes, namely:
(a) building or acquiring a suitable house or readybuilt flat for his residence
including the cost of the site 4
[or any payment towards allotment of a plot or
flat by the Delhi Development Authority, State Housing Board or a House
Building Society];
(b) repaying an outstanding amount on account of loan expressly taken for
building or acquiring a suitable house or readybuilt flat for his residence;
(c) purchasing a housesite for building a house thereon for his residence or
repaying any outstanding amount on account of loan expressly taken for this
purpose;
(d) reconstructing or making additions or alterations to a house or a flat already
owned or acquired by a subscriber;
5
(e) [renovating, additions or alterations or upkeep of an ancestral house or ahouse built with the assistance of loan from Government];
(f) constructing a house on a site purchased under clause (c)
6
(C) within twelve months before the date of subscriber's retirement on
superannuation from the amount standing to the credit in the Fund, without linking to
any purpose.
(D) Once during the course of a financial year, an amount equivalent to one year's
subscription paid for by the subscriber towards the Group Insurance Scheme for the
Central Government employees on selffinancing and contributory basis.
NOTE 1. A subscriber who has availed himself of an advance under the Scheme of the
Ministry of Works and Housing for the grant of advance for housebuilding purpose, or has
been allowed any assistance in this regard from any other Government source, shall be eligible
for the grant of final withdrawal under subclauses (a), (c), (d) and (f) of Clause (B) for the
purposes specified therein and also for the purpose of repayment of any loan taken under the
aforesaid Scheme subject to the limit specified in the proviso to subrule (1) of Rule 16.
If a subscriber has an ancestral house or built a house at a place other than the place of
his duty with the assistance of loan taken from the Government, he shall be eligible for the
grant of a final withdrawal under subclauses (a), (c) and (f) of Clause (B) for purchase of a
housesite or for construction of another house or for acquiring a readybuilt flat at the place of
his duty.
NOTE 2. Withdrawal under subclauses (a), (d), (e) or (j) of Clause (B) shall be
sanctioned only after a subscriber has submitted a plan of the house to be constructed or of the
additions or alterations to be made, duly approved by the Local Municipal Body of the area
where the site or house is situated and only in cases where the plan is actually got to be
approved.
NOTE 3. The amount of withdrawal sanctioned under subclause (b) of clause (B) shall
not exceed 3/4th of the balance on date of application together with the amount of previous
withdrawal under subclause (a), reduced by the amount of previous withdrawal. The formula
to be followed is 3/4th of (the balance as on date plus amount of previous withdrawal(s) for the
house in question) minus the amount of the previous withdrawal(s).

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you can download this Rule from link given below

https://drive.google.com/file/d/1b8i6...