Second withdrawal restrictions in recognised provident funds: limited exceptions permit subsequent housing-related withdrawals under conditions. Second withdrawal from a recognised provident fund is barred until the first withdrawal is fully repaid, subject to limited exceptions permitting a subsequent withdrawal for specified housing-related purposes in rule 68. A transitional concession allows lower-paid employees to withdraw the difference between the admissible amount and prior housing withdrawals made within the six years before the cut-off date, provided the initial withdrawal was for site purchase followed by construction, initial payment for allotment/purchase to be completed for ownership, or incomplete construction due to shortage of funds.