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<h1>Provident fund withdrawals permitted for specified contingencies including illness, education, housing, insurance and legal defence.</h1> Permitted withdrawals from a recognised provident fund are limited to specified contingencies: medical and related expenses for the employee or wholly dependent family members; higher education costs for dependent children including study abroad and specified advanced courses; passage abroad; marriage, funeral or religious ceremony expenses; housing construction, purchase or improvement (with undertakings and limited exceptions for encumbrance); repayment of housing loans; insurance premia when policies are assigned or deposited with trustees; legal costs for vindicating official acts or defending employer prosecutions; damage from natural calamity or riot; and special reliefs for lower-paid employees including household expenses, equipment for handicapped employees, and expenses while challenging dismissal or retrenchment.