Consequences of early withdrawal: There are two consequences of this. First, members who withdraw will have a lesser sum available upon retirement, and two, for the EPF, they would need to make some provision for this withdrawal, which is expected to be about RM6bil a month for five months. ONE of the incentives that the government designed to help cash strapped Malaysians and to tide them over during the pandemic is the tapping of the members’ savings in the Employees Provident Fund’s (EPF). Starting with the i-Lestari scheme in April 2020 and up to March 2021, members were allowed to withdraw RM500 per month for 12 months or a maximum of RM6, 000.