Now the new financial year has brought big changes to your savings. Specifically, the EPFO has launched a new system called EPFO 3.0. Indeed, you can now withdraw your Provident Fund (PF) without ever visiting a government office. Therefore, the entire process from start to finish is now fully digital. In fact, these updates make accessing your hard-earned money faster than ever before. Simple as that.

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EPF 2026: Key Changes at a Glance

Now you can see how the new rules benefit every employee in India. Actually, the focus is on speed and ease of access for all users. In fact, here is the data for the 2026 updates.

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Faster Access with Auto-Settlement

Now the most exciting update is the speed of the new system. Actually, the EPFO has automated the approval for many common claims.

The ₹5 Lakh Rule

First, claims up to ₹5 lakh are now handled by an auto-settlement engine. Next, this means the software checks your details without a human clerk. Thus, you can get your money in just a few days instead of weeks. Furthermore, this reduces the chance of manual errors or delays. Specifically, this applies to both medical and housing advances. Therefore, your emergency funds are now just a few clicks away. Period.

UPI and ATM Withdrawals are Coming

Now the way we interact with our PF accounts is changing forever. In fact, the EPFO is moving toward a “banking-style” experience for its users.

Future-Ready Features

First, the system is being updated to support UPI and ATM access. Next, this will allow you to withdraw specific amounts directly from your linked account. Thus, you won’t have to wait for a bank credit cycle every time. Additionally, this makes the PF account feel like a real-time savings tool. Moreover, the new portal is designed to handle millions of these small requests. Overall, this is the biggest leap in tech for the EPFO in decades.

Help During Unemployment

Now there is a major safety net for those who lose their jobs. Actually, the new rules provide more support during difficult career gaps.

The 75% Withdrawal Rule

First, you can now withdraw up to 75% of your total balance if you are out of work. Next, the new EPFO 3.0 portal makes this claim much easier to file. Thus, you don’t need to provide complex proof of your job loss anymore. Furthermore, the money is sent directly to your Aadhaar-linked bank account. Specifically, this helps families stay afloat while the breadwinner looks for a new role. Therefore, the PF is now a true emergency fund. Period.

How to Claim Your PF Online: Step-by-Step

Now you must follow these exact steps to ensure your claim is not rejected. Actually, keep your mobile phone nearby for Aadhaar OTP verification.

The Digital Process

First, log in to the Unified Member Portal with your UAN and password. Next, go to the ‘Online Services’ tab and click on ‘Claim (Form-31, 19, 10C & 10D)’. Thus, you will see your member details and linked bank account. Furthermore, verify your bank account by entering the last four digits of the account number. Specifically, choose the ‘Purpose’ for which you need the money. Finally, enter the Aadhaar OTP to submit your request. Consequently, the system will track your claim until the cash hits your bank.

Frequently Asked Questions

Q: What documents do I need for a 2026 claim?

Now, you only need an active UAN, an Aadhaar-linked phone, and seeded bank details. Thus, no physical documents are required.

Q: Can I withdraw my PF if I am still working?

Actually, yes. You can take an “advance” for reasons like marriage, illness, or home buying. Therefore, check the specific form for “Partial Withdrawal.”

Q: Is my money safe with UPI access?

Actually, yes. Multi-factor authentication ensures that only you can authorize a move. Thus, your retirement corpus remains fully protected.

Q: Why was my EPF claim rejected?

Since names must match exactly, check your Aadhaar and UAN spelling. Therefore, fix any data errors before you apply.

The Bottom Line

Now the EPF Withdrawal Rules of 2026 are a huge win for every Indian worker. While the system was slow in the past, EPFO 3.0 has fixed the lag.

Overall, the auto-settlement and UPI features make this a world-class system. Therefore, you should ensure your KYC is updated today to benefit from these speed boosts. Thus, you can manage your wealth with total confidence. Meanwhile, keep checking our blog for the latest tax tips and investment news. Lastly, we hope this guide helps you secure your funds easily!

Save smart. Withdraw easy. Period.

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The post EPF Withdrawal Online 2026: New EPFO 3.0 Rules & Guide first appeared on Rightsofemployees.com.

So the government is cleaning up the piles of idle cash in the EPFO system. The Ministry of Labour and Employment will now refund small amounts from inactive EPF accounts. The goal? A fresh start. In fact, more than seven lakh people will receive up to ₹1,000 in their banks. Plus, the state will process this without any forms from your side.

The ₹1,000 Automatic Refund Rule

But here is the catch for the new pilot project. The state is only targeting accounts with a balance of ₹1,000 or less for now. Is your account on the list? If it has stayed idle for three years, it is likely “inoperative.” Consequently, the EPFO will send the money straight to your Aadhaar-linked bank account.

Moreover, this move aims to cut the huge paperwork for tiny sums. Previously, the cost of filing a claim was often more than the actual refund. So the ministry decided to skip the red tape and use digital links instead. Therefore, you do not have to visit any office to get your cash.

Summary of EPFO Auto-Refund Pilot (2026)

How to Check Your Account Status

Still, you might want to check if your old account is part of this sweep. You can log in to the EPFO member portal using your UAN. The plan? View your passbook. And if you see no new money for three years, your account is officially dormant. Accordingly, you can also use the UMANG app to track your history on the go.

[Image showing a smartphone screen with the UMANG app and the EPFO passbook section highlighted]

But what if you have more than ₹1,000 in a dormant account? The auto-refund will not cover you in this first phase. Instead, you must file a formal claim to get your larger corpus back. Essentially, the state is testing the system with small sums before moving to bigger ones. Indeed, it is a smart way to clear the backlog.

Why This Matters for Millions

Then there is the scale of the “unclaimed” problem in India. Currently, over 31 lakh accounts hold nearly ₹11,000 crore in idle cash. The reason? People change jobs and forget their old UANs.

Worth noting: Interest still adds up on these accounts as per the rules. However, they stop earning interest once the member turns 58. So it is best to merge your accounts or withdraw the cash early. Ultimately, the government wants to ensure your hard-earned savings reach your pocket.

Frequently Asked Questions (FAQs)

Will I get a refund if my EPFO balance is more than ₹1,000? So not in this automatic pilot phase. Because of this, you must still file a manual claim through the EPFO portal for larger amounts.

How do I link my Aadhaar to my EPF account for the refund? In fact, you can do this through the “KYC” section on the EPFO website. Additionally, ensure your bank account is also seeded with the same Aadhaar number.

What happens to the money if the account holder has passed away? But the state will not keep the cash. Consequently, the refund will go to the nominee or the legal heir listed in the EPFO records.

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The post Inactive EPFO Accounts: Get Your ₹1000 Refund Automatically first appeared on Rightsofemployees.com.

Leaving A Job Early? This EPFO Form Saves Your Pension

Many workers make a big mistake when they switch jobs. Specifically, they take their pension cash early instead of saving their service years. While a small payout feels good now, it can hurt your future safety. Therefore, the EPFO Scheme Certificate is the best way to protect your retirement goals.

What is an EPFO Scheme Certificate?

The EPFO gives this paper to workers who leave a job before 10 years. Specifically, this official document tracks your “pension years” for the government. Instead of taking a cash payout, you carry these years to your next job. Currently, you must hit 10 years of total service to get a monthly pension for life.

Why Choose the Certificate Over Cash?

Most people pick the “Withdrawal Benefit” to get a quick payment of Rs 20,000. However, this choice resets your work history back to zero. Specifically, you will have to start your 10-year count all over again. Meanwhile, if you keep the Scheme Certificate, those years stay on your record. This helps you get a monthly pension of Rs 3,000 to Rs 5,000 later in life.

Benefits for Your Family

The Scheme Certificate does more than just save your years. Specifically, it provides a “Family Pension” if a worker passes away suddenly. This safety net stays on even if you are between jobs. Furthermore, if you work for 20 years, the EPFO adds two extra years to your record. This bonus raises your final monthly pay when you turn 58.

How to Get Your Certificate Online

You can apply for this form through the EPFO Unified Portal. Specifically, you must follow these easy steps:

1. Log in with your UAN and password.

2. Click on “Online Services” and pick Form 10C.

3. Select “Scheme Certificate” instead of the cash option.

4. Submit the form to link your service years.

Quick Facts: Pension vs. Cash

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The post EPFO Scheme Certificate: Protect Your Future Pension first appeared on Rightsofemployees.com.

Why Your PF Balance is Wrong

Recently, many bosses missed the pay dates. Specifically, they took the cash but did not pay it. Then, tech bugs can also cause a mismatch. In fact, a wrong ID can block your cash. Therefore, watch your account every single month.

Now, check your pay slips against your book. Next, look for months with no pay entries. After that, look for small pay gaps too. Finally, mark any months that look wrong. As a result of new rules, these are easy to see. Still, many people miss these gaps.

How to Spot the Mismatch

First, log in to the UAN site. Then, get your passbook to see the math. After that, look for months where pay is zero. Next, save a copy of the file. Finally, show these notes to your boss.

Today, you can use a phone app too. Thus, you can track your cash on the go. In fact, the app shows updates in real time. Meanwhile, the web site stays slow.

Step-by-Step Guide to Fix Errors

First, file a note with your firm’s HR team. Then, give them two weeks to fix the gap. After that, use the EPFiGMS site for a formal claim. Next, enter your UAN and the month of the error. Finally, keep your ticket number to track the fix.

Reality Check

Reality Check: The state says the system works well. Still, the site often goes down. In fact, many users could not log in for days. Therefore, a web fix is not always fast. Meanwhile, bosses may blame the web for late pay. Yet, the law says they must pay you.

The Loopholes

The Loopholes: If your firm shuts down, the cash is hard to get. In fact, many lose funds because they do not check. Also, some firms use one ID for two staff. Therefore, make sure your ID is yours alone.

What This Means for You

Recently, the law made Aadhaar links a must. Now, your cash stays safe if your ID is set. First, check your profile on the site. Then, make sure your bank info is right. Next, verify your phone number too. Indeed, a clean file stops most bugs.

Next Steps

Now, open your UAN book right away. Then, see if your last pay is there. Would you like me to draft a short note for your boss to fix a gap?

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The post PF Update: How to Spot and Fix Contribution Discrepancies in 2026 first appeared on Rightsofemployees.com.

How the 2026 Interest Credit Works

Recently, reports showed how a ₹6 lakh balance earns about ₹52,000. Specifically, the government must first approve the final interest rate for the year. Then, the EPFO sends the money to your individual account. In fact, this process is fully automatic once the board gives the green light. Therefore, you do not need to apply to get your share.

Now, remember that the interest rate often stays near 8.2 percent. Next, the board of trustees meets to finalize the exact number for 2026. As a result, the final payout might change slightly based on their choice. Still, the returns remain some of the best for safe debt tools.

Calculating Your Specific PF Gains

First, look at your total year-end balance to guess your earnings. For example, a ₹5 lakh balance yields roughly ₹43,000 in interest. Later, compare this to a ₹6 lakh balance which brings in ₹52,000. Finally, use the official UAN portal to see your actual credited amount.

Today, the EPFO uses a monthly running balance to fix the interest. This means your monthly contributions help increase the final payout you see. Thus, staying in the scheme for a long time pays off well. In fact, compound growth is the secret to a large retirement fund.

Reality Check

Reality Check: Headlines often highlight “big payouts” like ₹52,000 to grab eyes. Still, the math only works if you already have a high balance. In 2025, many young workers felt let down by their small interest credits. Therefore, they did not realize the payout depends entirely on their current savings. Meanwhile, the EPFO portal often faces technical glitches during high-traffic days. Yet, officials insist the system is ready for the 2026 surge.

The Loopholes

The Loopholes: Interest earned on yearly contributions above ₹2.5 lakh is now taxable. In fact, this rule hits high earners the hardest in 2026. Additionally, if an account stays inactive for 36 months, it may stop earning interest. Therefore, you must ensure your UAN stays linked to an active job.

What This Means for You

Recently, the EPFO made it easier to track your money via SMS. Now, you can simply send a text to check your status. First, ensure your mobile number is linked to your UAN. Then, download your passbook to verify every monthly entry. Indeed, keeping an eye on your fund prevents future surprises.

Next Steps

Check your PF balance right now using the “Missed Call” service. Then, verify if your employer has deposited all dues for the current fiscal year. Would you like me to provide the specific SMS format and number for the EPFO balance check?

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The post EPFO Interest Credit Explained: Earn ₹52,000 on Your PF Balance first appeared on Rightsofemployees.com.

EPFO Speeds Up PF Claim Payouts

The Labor Ministry shared this news in the Rajya Sabha. They confirmed that the EPFO now settles most claims in eight days. Specifically, the new EPFO 2.0 system makes this possible. It uses digital tools to skip old paper trails.

Earlier, members waited weeks for their money. Now, the process is mostly online and paperless. This is a major win for those changing jobs or retiring.

How to Bypass Employer Approval

You no longer need your boss to sign your PF forms. This rule applies if your e-KYC is fully complete. Just link your Aadhaar and bank details to your UAN.

The FO App and Unified Portal allow direct filing. In fact, the Govt processed over 8.5 crore claims this year. Most of these moved through the digital path. Still, your details must match exactly to avoid blocks.

Reality Check: The 8-Day Myth vs. Reality

The Govt claims an 8-day average. Is it always that fast? Not exactly. Most “8-day” successes are for simple advance claims.

Final settlements often take longer due to service history checks. If your data has one small typo, the clock resets. The 8-day goal is for “clean” files only. Do not expect instant cash if your records are messy.

The Loopholes: Why Claims Still Fail

Many claims still hit a wall. First, the 25% retention rule is a hurdle. New rules for 2026 require you to keep 25% of your corpus for retirement. You cannot empty your account in one go anymore.

Second, the “exit date” loophole remains. If your old boss forgets to update your exit date, you cannot file. The system is faster, but it is not fully automatic yet. Lastly, mismatches in bank IFSC codes cause 30% of all rejections.

What This Means for You

You have more power over your savings now. You do not have to beg an old HR team for approval. The system is more worker-centric than ever. Use the Umang app to track your claim in real-time.

Next Steps

Check your e-KYC status today. Ensure your Aadhaar and bank account are seeded. File your claim mid-week to avoid the Monday rush.

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The post EPF Claim Settlement Rules: Govt Cuts Wait Time to 8 Days first appeared on Rightsofemployees.com.

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The “Total Cash-Out” Scenarios

You can’t just empty your account because you want a new car. The 100% withdrawal is strictly for the “big” life changes. We’re talking about:

• The 2-Month Gap: If you’ve been out of a job for 60 days straight, you can pull everything. Actually, under the new rules, you can grab 75% after just one month of sitting at home, then the rest a year later if you’re still not back at work.

• Retirement: Once you hit 58, the vault opens. You can even start the process at 54 if you’re planning an early exit, though you’ll only get 90% then.

• Moving Abroad: Leaving India for good? You’re eligible to settle the whole account.

• Medical or Disability: If life takes a hard turn and you can’t work anymore due to permanent disability, that money is yours immediately.

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What about the 12-Month Rule?

This is a game-changer. Forget those old “5-year” or “7-year” service requirements. Now, once you’ve been at it for one year, you can tap into your funds for marriage, a kid’s college, or even hospital bills.

Here’s the catch though: While you can take a massive chunk, the EPFO now “soft-locks” about 25% of your balance for most partial withdrawals. Why? Because they want to make sure you actually have a retirement left. They’ve seen too many people drain their accounts early and regret it at 60 when the compounding interest stops working its magic.

The “Hidden” 100% for Women

There’s a specific rule that often gets overlooked: Female employees who resign to get married, or due to pregnancy/childbirth, are often eligible to settle their full account. It’s one of those legacy protections that still stands in the 2026 framework.

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Quick Stats for 2026

• Current Interest Rate: 8.25% (Don’t withdraw unless you really need to!)

• Withdrawal Speed: Claims that used to take 20 days are now hitting bank accounts in under 3 days thanks to the new UPI-linked backend.

• Pension Note: You can take your PF money, but your EPS (Pension) is separate. You need 10 years of service to get that monthly check later in life.

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The post The Real Deal on Cashing Out 100% of Your PF Money first appeared on Rightsofemployees.com.

The Employees’ Provident Fund Organisation (EPFO) is undergoing its most radical transformation yet. EPFO 3.0 is designed to shift the Provident Fund from a “locked-in” retirement asset to a liquid, “bank-like” financial tool.

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1. Key Features: UPI and ATM Access

The headline update is the integration of India’s Digital Public Infrastructure (UPI) to settle claims in real-time.

• UPI Withdrawals: Starting April 2026, members can withdraw permitted portions of their PF directly via the BHIM app.

• Initial Cap: To prevent misuse, instant UPI withdrawals are expected to be capped at ₹25,000 per transaction.

• ATM Access: EPFO plans to issue RuPay-linked cards, allowing members to withdraw cash from approved ATMs just like a savings account.

• Real-Time Balance: You will be able to see your “Available Balance” vs. “Eligible Withdrawal Balance” instantly on supported UPI apps.

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2. Technological Overhaul (The “Backend” Reset)

EPFO is moving away from its legacy 2.0 system to a Core Banking Solution (CBS) architecture.

• Auto-Claim Settlement: The system aims to auto-process 95% of claims without manual human intervention, cutting wait times from 20 days to just minutes or hours.

• AI Integration (Bhashini): Using the government’s Bhashini AI, the platform will offer support in multiple Indian languages and use chatbots for easier grievance redressal.

• Tech Partners: India’s IT giants—TCS, Infosys, and Wipro—have been shortlisted to build and maintain this massive cloud-native platform.

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3. Liberalized Withdrawal Rules

The complex maze of 13 withdrawal categories has been streamlined into just three main pillars:

1. Essential Needs: Covers medical emergencies, education, and marriage.

2. Housing Needs: For buying, constructing, or renovating a home.

3. Special Circumstances: Includes natural calamities or sudden financial stress.

[!IMPORTANT] The 25% Rule: To ensure your retirement corpus continues to grow and earn interest (currently 8.25%), members must maintain a minimum balance of 25% of their total contributions in the account at all times….

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The post EPFO 3.0: Instant PF Withdrawals via UPI & ATM by April 2026 first appeared on Rightsofemployees.com.

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1. The “₹25,000” Per Transaction Cap

To ensure security and prevent potential misuse of instantaneous fund transfers, the government has proposed an initial limit on UPI withdrawals:

• Transaction Limit: A cap of ₹25,000 per transaction is speculated for the rollout phase.

• Rationale: Instantaneous transfers are more prone to fraud; a smaller cap acts as a “buffer” to protect the member’s larger corpus.

• Total Daily Limit: While the per-transaction cap is ₹25,000, the overall daily UPI limit (typically ₹1 Lakh to ₹5 Lakh depending on the bank and category) will still apply.

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2. How the UPI System Works

Members will no longer need to file traditional, time-consuming claims for small advances. The process will be integrated into the BHIM App:

1. Balance Segregation: The app will clearly display your Total Balance vs. Eligible Withdrawal Balance.

2. The 25% Rule: You must maintain a minimum of 25% of your total contributions in the account at all times to ensure long-term compounding and retirement security.

3. Instant Credit: Once you enter your UPI PIN, the funds will be credited to your seeded bank account in seconds, rather than the 3–7 days currently taken by auto-settlement.

3. Frequency Limits: The “Catch”

While the system offers high flexibility, there is a strict limit on how often you can withdraw. If you hit the frequency limit with small ₹25,000 transactions, you may be blocked from further withdrawals even if you have an “eligible balance” left.

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Warning: If you withdraw ₹25,000 three times for “Essential Needs,” you will exhaust your frequency for that year, even if your total eligibility was much higher (e.g., ₹2 Lakh). Plan your withdrawals carefully!

4. Security and Eligibility Requirements

To use the UPI facility in April 2026, ensure the following are updated:

• UAN Activation: Your Universal Account Number must be active.

• KYC Compliance: Aadhaar and PAN must be linked.

• Bank Seeding: Your UPI-linked bank account must match the bank account registered with the EPFO.

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The post EPFO UPI Withdrawals: The ₹25,000 Cap & New Rules (April 2026) first appeared on Rightsofemployees.com.

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The most critical update is the unification of rules. Previously, employees had to navigate 13 complex categories with service requirements ranging from 2 to 7 years. These have now been streamlined into just three (or five, depending on sub-classifications) broad categories with a universal service requirement.

1. The “12-Month” Rule: A Major Shift

Under the 2026 reforms, the minimum service requirement for all partial withdrawals has been reduced to just 12 months.

• Old Rule: You often had to wait 5–7 years for marriage, education, or housing withdrawals.

• New Rule: Once you complete one year of service, you are eligible for partial advances.

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2. When Can You Withdraw 100%?

While EPFO encourages keeping funds for retirement, there are specific scenarios where you can withdraw your entire eligible balance (including both employee and employer shares + interest):

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3. The “25% Retention” Safeguard

For partial withdrawals (advances) while you are still employed, EPFO has introduced a mandatory retention rule.

• You can withdraw up to 75% of your eligible balance for essential needs (marriage, education, medical, or housing).

• At least 25% must remain in the account. This ensures that the power of compounding continues to work, preventing lower-income workers from completely emptying their retirement nest egg.

4. Simplified Categories

The 13 old reasons for withdrawal have been merged into three primary groups to reduce claim rejections:

1. Essential Needs: Covers medical treatment (self/family), marriage (self/children/siblings), and post-matriculation education.

2. Housing Needs: Buying land, purchasing/constructing a flat, or home loan repayment.

3. Special Circumstances: Natural calamities, establishment lockouts (more than 15 days), or other unforeseen financial distress.

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5. New Digital Features (UPI & Auto-Settlement)

The 2026 update brings a “seconds, not days” approach to payments:

• UPI Withdrawals: By April 2026, members will be able to withdraw up to 75% of their eligible balance instantly via UPI (initially through the BHIM app).

• Auto-Settlement: The limit for automatic claim processing (no manual officer intervention) has been raised from ₹1 Lakh to ₹5 Lakh.

• No Employer Signature: You can now update bank details and seed Aadhaar using Face Authentication on the portal, removing the need for employer approval for many digital services….

Also Read | CBSE Admit Card 2026: Hall Tickets for Regular Students Expected Soon

The post EPFO Rules 2026: When and How to Withdraw 100% of Your PF Money first appeared on Rightsofemployees.com.

In a significant pro-pensioner move, the Employees’ Provident Fund Organisation (EPFO) and India Post Payments Bank (IPPB) have officially launched a free doorstep service for Digital Life Certificates (DLC).

This initiative, detailed in a circular dated January 9, 2026, removes the need for elderly pensioners to visit banks or EPFO offices, especially those who struggle with technology or mobility.

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1. How the Free Doorstep Service Works

Unlike previous years where doorstep banking often carried a nominal fee (typically ₹50–₹70), this specific tie-up for EPS pensioners is entirely free.

• The Process: A Postman or Dak Sevak will visit your home equipped with a smartphone or biometric device.

• Verification: They will verify your Aadhaar details against your Pension Payment Order (PPO).

• Authentication: The DLC is generated using Face Authentication Technology (FAT) or fingerprint biometrics via the Jeevan Pramaan app.

• Cost: The ₹50 service fee is paid directly by the EPFO to India Post. Pensioners should not pay any cash to the postman.

2. Key Flexibility for EPS 95 Members

EPS pensioners enjoy unique rules regarding their life certificates compared to other central or state government retirees:

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3. How to Request a Home Visit

If you or a family member cannot visit a center, you can trigger a doorstep visit through these channels:

1. Call Center: Dial IPPB’s customer care at 033-22029000 or 155299.

2. Post Info App: Download the ‘Post Info’ app (Android) and select ‘Service Request’ to book a slot.

3. Local Post Office: Inform your local beat postman during their routine rounds.

4. Other Self-Service Channels

For those comfortable with smartphones, you can submit your DLC yourself to save time:

• Umang App: Search for “Jeevan Pramaan” and follow the prompts.

• Face RD App: Download the ‘Aadhaar Face RD’ and ‘Jeevan Pramaan’ apps from the Play Store to submit using just your phone’s camera.

• Common Service Centres (CSC): Visit any nearby CSC or your pension-disbursing bank branch.

Also Read | Mandatory Probate Abolished 2026: New Will Rules for Metros

The post EPFO Free Doorstep DLC 2026: Guide for EPS Pensioners first appeared on Rightsofemployees.com.

The Employees’ Provident Fund Organisation (EPFO) is reportedly considering a significant update to the Employees’ Pension Scheme (EPS-95). As of January 8, 2026, discussions are gaining momentum regarding a proposal to increase the minimum monthly pension from ₹1,000 to ₹5,000 (or potentially up to ₹7,500), offering major relief to millions of retired private-sector employees struggling with inflation.

Also Read | 5 Major Income Tax Changes Shaping Your 2026 Finances

While the proposal has the strong backing of employee unions, it currently awaits final approval from the Central Government, with a formal announcement potentially expected during the upcoming Union Budget 2026.

1. Who Stands to Benefit?

The proposed revision targets the most vulnerable segment of the retired workforce—those receiving the baseline minimum.

Also Read | 5 Major Income Tax Changes Shaping Your 2026 Finances

2. Why the Hike is Necessary

The minimum pension of ₹1,000 was set in 2014 and has remained stagnant for over a decade.

• Inflation Gap: The cost of living has nearly doubled in some urban areas since the last revision.

• Actuarial Challenges: The primary hurdle is an actuarial deficit in the pension fund. However, the Supreme Court has recently directed the government to review wage ceilings (from ₹15,000 to potentially ₹21,000), which would increase contributions and help fund the hike.

• Social Security: Unions argue that ₹1,000 is “symbolic” rather than “substantial,” failing to cover even basic medical expenses for senior citizens.

Also Read | 5 Major Income Tax Changes Shaping Your 2026 Finances

3. Current Status & Timeline

As of today, the ₹1,000 minimum remains in place.

• Policy Stage: The proposal is currently under “policy deliberation” between the Ministry of Labour and Employment and the Finance Ministry.

• Budget 2026: Expert analysts suggest the government may use the February Budget to announce the hike as part of a broader social security reform package.

• Supreme Court Influence: The Court has given the Centre four months (from January 2026) to decide on increasing the wage ceiling, which is inextricably linked to pension payouts…

Also Read | 5 Major Income Tax Changes Shaping Your 2026 Finances

The post EPFO Minimum Pension Hike: EPS-95 May Increase to ₹5,000 first appeared on Rightsofemployees.com.

Also Read | Rent Agreement Expiry: Your Legal Roadmap to Reclaiming Your Property

• The Compounding Crisis: Why Consolidated Balances Outperform Multiple Small Accounts

• The “Dormant” Danger: How Inactivity Can Turn Tax-Free Interest into Taxable Income

• Five-Year Rule: Ensuring Your Withdrawal Stays Tax-Exempt Across Multiple Employers

• Pension Pitfalls: Why 10 Years of Consolidated Service is Mandatory for Monthly Payouts

• Auto-Transfer Failures: Common Reasons the Seamless Process Might Get Stuck in 2025

Joining a new company is exciting, but leaving your old EPF account behind is a quiet financial suicide. The thing is, many employees think their money is “safe” in their old account, but they’re missing out on the power of consolidated compounding.

Also Read | Rent Agreement Expiry: Your Legal Roadmap to Reclaiming Your Property

Actually, a recent analysis shows that a member in the 30% tax bracket could lose over ₹1.66 lakh in just five years simply by not transferring their balance. Specifically, when you leave an account inactive for 36 months, it becomes “dormant.” As a result, while it may still earn interest, the tax authorities can treat that interest as “Income from Other Sources,” making it fully taxable. Consequently, you’re literally paying a penalty for being lazy with your paperwork (those too).

And here’s the kicker. It’s not just about the interest—it’s about the tax-free exit.

Also Read | Rent Agreement Expiry: Your Legal Roadmap to Reclaiming Your Property

Basically, EPF withdrawals are only tax-free if you’ve completed 5 years of continuous service. Instead of treating each job separately, transferring your account allows the EPFO to “bridge” those years together. In fact, if you don’t transfer and decide to withdraw from an old account later, you might be hit with a 10% TDS (or a brutal 34.6% if your PAN isn’t linked). And then Y followed. You lose out on the Employees’ Pension Scheme (EPS) benefits because you need 10 years of consolidated service history to qualify for a monthly pension (I checked this twice).

Table: The Cost of Fragmented EPF (30% Tax Bracket Illustration)

Moreover, don’t trust the “Auto-Transfer” system blindly. Specifically, the mechanism only triggers if your new employer files the first Electronic Challan-cum-Return (ECR) perfectly.

Also Read | Rent Agreement Expiry: Your Legal Roadmap to Reclaiming Your Property

Actually, the system often fails if there are spelling differences in your name on Aadhaar versus your PF records. As a result, unverified KYC details or a missing “Date of Exit” from your previous HR can halt the transfer indefinitely. Consequently, you should log into the Unified Member Portal 30 days after joining a new firm to check if the balance has moved. And then Y followed. If it hasn’t, you need to manually initiate a “One Member – One EPF Account” request (let’s be real, HR departments aren’t always looking out for your retirement as much as you are).

The thing is, BSNL and other major institutions are now syncing their 4G/5G rollout data with employment records, but manual errors persist. In fact, move from an “Exempted Trust” (like many big IT firms) to a “Non-Exempted” one is the trickiest of all.

Basically, if no progress is visible after 30 days, you shouldn’t just wait—you should raise a formal grievance on the EPFiGMS portal. Instead of a tidy wrap-up, remember that your UAN is the “key” to your entire financial future. And then Y followed. Keep your KYC updated, link your Aadhaar, and ensure your service history is a single, unbroken chain. Your 60-year-old self will thank you for the extra lakhs you saved today….

Also Read | Rent Agreement Expiry: Your Legal Roadmap to Reclaiming Your Property

The post EPF Transfer Warning: Why Skipping it Could Cost You Lakhs first appeared on Rightsofemployees.com.

• The Reality Check: Why the ₹1,000 Minimum Isn’t Moving Yet

• Actuarial Deficit: The Financial Wall Blocking Higher Payouts

• Pension Fixation: 99% of Supreme Court Related Claims Processed

• No DA for You: Why Inflation-Linked Hikes Were Found “Not Feasible”

Millions of private-sector retirees are still waiting for a raise. The thing is, the government just confirmed in the Lok Sabha that the minimum EPS-95 pension will stay at ₹1,000 for now.

Also Read | Flex by Google Pay: The UPI-Powered Credit Card Revolution

Actually, pensioners have been fighting to get this bumped up to ₹7,500. Specifically, they want dearness allowance (DA) and free medical care to go with it.

As a result, nearly 78 lakh elderly citizens are stuck with a payout fixed way back in 2014. Consequently, their purchasing power has been completely crushed by rising prices (let’s be real, ₹1,000 is barely pocket money today).

And here’s the kicker. The government says its hands are tied. In fact, the Labour Ministry pointed to a massive “actuarial deficit” in the pension fund.

Also Read | Flex by Google Pay: The UPI-Powered Credit Card Revolution

Basically, the fund isn’t growing fast enough to cover such a huge jump in payouts. Instead of a hike, the Centre says it is already providing extra “budgetary support” just to keep the ₹1,000 floor alive.

• Actuarial Deficit: The 2019 valuation showed the fund is under heavy pressure.

• DA Linkage: A high-level committee ruled that inflation-linked hikes are “not feasible.”

• Higher Pension Progress: 99% of Supreme Court-mandated claims have finally been processed by November 2025.

• Current Funding: Employers give 8.33% and the government adds 1.16%—it’s just not enough for a 7x hike.

Also Read | Flex by Google Pay: The UPI-Powered Credit Card Revolution

Moreover, there was some talk about the Supreme Court’s 2022 direction on pension fixation. Specifically, the EPFO has processed 15.24 lakh applications from employers so far.

Actually, almost all of these cases were cleared by late November 2025. As a result, those who opted for higher contributions are seeing some movement. Consequently, the “minimum” pensioners are feeling left behind (those too).

The thing is, the government hasn’t offered a single date for a future increase. In fact, the reply was a bit of a “hard truth” session for the National Agitation Committee.

Basically, the scheme is designed as a “defined contribution” model. Instead of a tidy solution, the wait for a livable pension continues for millions of Indian seniors.

Protests are expected to pick up again across the country. Consequently, the gap between “survival” and the current ₹1,000 reality remains wide open…

Also Read | Flex by Google Pay: The UPI-Powered Credit Card Revolution

The post EPS-95 Pension Hike: Why the ₹7,500 Plan is Still Stuck first appeared on Rightsofemployees.com.

• EPFO 3.0: The End of Paperwork for Millions of Workers

• Instant Access: ATM Cards and UPI Linking for PF Savings

• The Unified Framework: 13 Categories Merged into Three Simple Groups

• Unemployment Benefits: Immediate 75% Payout and New Waiting Rules

The way you touch your retirement money is getting a massive digital upgrade. The thing is, Union Labour Minister Mansukh Mandaviya just confirmed that ATM and UPI withdrawals are coming to the EPFO.

Also Read | Ration Card Online: Step-by-Step Guide via UMANG App

Actually, the government wants to ditch the “paperwork nightmare” that has haunted subscribers for decades. Specifically, these new digital options are expected to roll out fully before March 2026.

As a result, accessing your provident fund will soon be as easy as using a regular savings account. Consequently, you won’t have to wait weeks for a manual claim to settle (let’s be real, we’ve all wanted this for years).

And here’s the kicker. The ministry has already simplified the mess of old rules. In fact, they merged 13 confusing withdrawal categories into just three: Essential Needs, Housing, and Special Circumstances.

Also Read | Ration Card Online: Step-by-Step Guide via UMANG App

Basically, the goal is to stop the high rejection rates caused by complex eligibility rules. Instead of needing seven years of service for certain advances, you now only need a uniform 12 months. And then Y followed. The system is becoming way more member-friendly.

• Bigger Withdrawals: You can now pull out both your share and the employer’s contribution (with interest). Actually, this significantly increases the amount of cash you can access.

• ATM Integration: You’ll eventually get a dedicated PF feature on debit cards. Specifically, it will allow direct cash withdrawals from your corpus.

• UPI Linking: UAN is being connected to the NPCI network. Basically, you can just enter your UPI ID on the portal for near-instant credit.

• Auto-Settlement: Under EPFO 3.0, nearly 95% of partial claims are being automated. In fact, many won’t even need employer approval anymore.

Also Read | Ration Card Online: Step-by-Step Guide via UMANG App

Moreover, the rules for job loss have changed to protect your long-term security. Specifically, if you lose your job, you can withdraw 75% of your balance immediately.

Actually, the remaining 25% must stay in the account for one year. As a result, you keep your account active and continue earning the 8.25% interest rate. Consequently, if you find a new job within that year, your retirement corpus stays intact (those too).

The thing is, there is a new “Passbook Lite” feature already live. Actually, it lets you see a snapshot of your funds without a separate login. In fact, it’s all part of a “Centralised Pension System” that started in January 2025.

Basically, the government is turning the EPFO into a modern financial hub. Instead of a tidy wrap-up, just know that the “EPFO 3.0” transition is an ongoing shift toward total digital autonomy for every Indian worker….

Also Read | Ration Card Online: Step-by-Step Guide via UMANG App

The post Big EPFO Update: PF Withdrawal via ATM and UPI by March 2026 first appeared on Rightsofemployees.com.

Listen up. We’re talking about PF employees across the country—the numbers are going up every year. All those private companies? They set up these PF accounts, and the whole thing is monitored by the Employees’ Provident Fund Organisation, the EPFO. The thing is, the Central Government hands out interest every single year. And they’re about to talk interest rates again. Soon.

This time, there’s heavy chatter. We’re hearing interest rates could go up to 9.25%. Seriously, 9.25%. There are all sorts of discussions behind closed doors about the numbers. But if that 9.25% is approved for PF employees? A substantial chunk of money could land in their accounts. It all depends on how much you’ve already saved, of course, the size of your EPF pot. Let’s look at the numbers—the messy part—to see how much you could actually be getting.

So, What’s the Interest Tally Going to Be?

The Central Government could very well approve a 9.25% rate for the financial years 2025 and 2026. Here’s the kicker: That rate is one full percentage point higher than last year’s. That’s a massive boost for employees, or nothing makes sense. Last time around, they only transferred 8.25% interest.

Now, let’s do the math. Just for example, if an employee has a solid ₹3 lakh sitting in their PF account? You could be looking at earning up to ₹28,000 in interest. That’s a significant hit.

The interest calculation is pretty straightforward: it’s based on your total EPF balance. More money in there? More interest, obviously. Less money? Less interest. Simple. Let’s be real, nobody has officially announced the final number yet. It’s still a rumor, but a strong one. The government is expected to open its coffers and make the announcement sometime during the general budget session. X happened (the rumor started). And then Y followed (we started running the numbers).

Who Benefits? And How to Check

A massive, massive number of PF employees are going to benefit from this interest announcement. According to one report, we’re talking about more than 75 million employees. That’s crazy. This money, this “significant gift,” as they call it, is transferred directly to your EPF accounts.

The process is ongoing, but you can check what you’ve earned right from your sofa. You don’t need to panic about checking the balance. If your mobile number is linked to your UAN, you can get the info easy, simple method.

You literally just need to give a missed call to 011-22901406. A few seconds later? The balance information hits your phone via SMS. No logging in, no passwords. It’s quick.

Recommended Readings:

• Right to Disconnect Bill Tabled: Employees Can Ignore After-Hours Work
• ITR Filing Online: Your Essential Step-by-Step India Guide
• Central Govt Holidays 2026: Full List of Mandatory & Restricted Days.
• Right to Disconnect Bill Tabled: Employees Can Ignore After-Hours Work

DISCLAIMER: This content is for informational and educational purposes only and should not be considered professional financial advice. Always consult the official Employees’ Provident Fund Organisation (EPFO) website or the government’s official budget announcements for confirmed interest rates and rules. We are just giving you the field notes on the discussions currently taking place.

MAKE rightsofemployees


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The post EPFO Alert: You Could Get ₹28,000. Check Your PF Balance Now first appeared on Rightsofemployees.com.

Job changes hit you with a ton of mixed emotions. Let’s be real, sometimes it’s a huge struggle just to land a role that actually matches your skills. Other times? It’s pure excitement—new faces, fresh projects, and yeah, usually a better paycheck.

But here’s the thing: in the mess of offer letters, exit formalities, and all that onboarding noise, people forget one critical financial move. I’m talking about transferring your Provident Fund (PF) from the old company to the new one.

This little oversight? It has long-term consequences. Plain and simple, a quick PF transfer keeps your retirement money growing without any nasty surprises. It’s about safeguarding your future savings.

Why You Can’t Just Ignore the PF Transfer

When you join a new outfit, your Universal Account Number (UAN) stays the same. However, a new PF account is automatically created under the new employer. You need to pay attention here. If you don’t move the balance from the old account, that account goes inactive.

And then what follows? After three years of inactivity, it stops earning interest. That’s money you’re losing. It silently kills the power of compounding—or nothing!

Consolidating all your PF savings into a single active account isn’t just about making your life easier. It allows you to track your retirement corpus efficiently. More importantly, it ensures compounding works uninterrupted, helping you bank those higher, long-term returns.

The Digital PF Transfer Process: Field Notes

The Employees’ Provident Fund Organisation (EPFO) has made this a completely digital deal via its Member e-Sewa portal. First off, employees must ensure their UAN is active. You also need to link it with your Aadhaar, bank account, and mobile number.

Once you log in, go to the ‘Online Services’ section. Then, select ‘Transfer Request’. You get to choose whether your current or previous employer approves the request. After that, once both employers finish their verification, the PF balance usually moves within a few weeks. A simple SMS confirmation lands in your inbox when the job’s done.

Key Checks: Don’t Get Stuck

Before you even click ‘Submit’, you’ve got to double-check your KYC details. Make sure your Aadhaar, PAN, and bank account information are 100% correct on the EPFO portal. Also, you’ll need the previous PF account number. You can usually find this on your payslip or under the ‘Service History’ part of the portal.

The thing is, having these details locked down significantly cuts down on processing delays. It just speeds everything up.

Common Roadblocks: What Gets Messy

Even with a digital system, PF requests get stuck. Why? Minor data mismatches. Errors in name spelling, a wrong date of birth, or bank details that don’t match up are the usual culprits for rejection.

So, what happens next? You have to initiate corrections through your employer. Sometimes, you need to approach EPFO support before you can reapply. In general, if both your current and previous employers coordinate the UAN updates, you can prevent most of these headaches.

Why PF Withdrawal is a Costly, Messy Mistake

A large number of employees still pull their PF balance out every time they switch jobs. But seriously, financial experts strongly advise against this. Withdrawal should ideally only be considered if a person is unemployed for two months or more.

Withdrawing PF breaks that compounding cycle. It reduces the potential size of your retirement corpus over time. In contrast, transferring PF keeps the investment whole. It steadily builds a strong financial safety net for your retirement.

In the rush of switching jobs, the PF transfer often takes a back seat. But this one step plays a decisive role in shaping your long-term financial stability. Transferring PF instead of withdrawing it is not just a form to fill—it’s a smart financial decision that actively protects your future.

Disclaimer: This article is for informational purposes only and does not constitute financial or legal advice. Readers should consult a qualified financial advisor for advice tailored to their specific circumstances.

Recommended Reading:

Right to Disconnect Bill Tabled: Employees Can Ignore After-Hours Work

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The post PF Transfer After Job Change: The Official Online Step-by-Step Guide for Your UAN first appeared on Rightsofemployees.com.

Also read |WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.

Here is the raw breakdown of the Minister’s reply in the Lok Sabha:

EPS-95 Pension Hike Unlikely: Fund Under ‘Actuarial Deficit’ Stress

The government just shut down the pensioners’ long-standing demand for raising the minimum pension from ₹1,000 to ₹7,500—at least for the near future. MP Balya Mama Suresh Gopinath Mhatre asked the question. The Minister gave the answer.

Also read |WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.

The Financial Reality (Why No Hike)

• Actuarial Deficit: Minister Karandlaje confirmed the fund is under “actuarial stress.” The valuation as of March 31, 2019, shows an actual deficit. It happened. And because of that deficit, the government cannot enhance pension benefits right now.

• The Structure: She clarified the EPS-95 is a “defined contribution-defined benefit” scheme. All benefits are paid only from two sources:

  1. Employer contribution (8.33% of wages).

  2. Central Government contribution (1.16% of wages, capped at ₹15,000 wage ceiling).

• The Stagnation: This structure, combined with the deficit, explains why the minimum pension is stuck at ₹1,000 and why Dearness Allowance (DA) is not extended, even though inflation keeps rising. The pension amount is officially considered insufficient for a dignified life, but the fund status restricts revision.

Also read |WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.

The Higher Pension Processing (The Good News)

On a separate, but related, note, the massive job of processing applications for higher pensions (following the Supreme Court’s 2022 order) is virtually complete. The EPFO had to deliver, and they did.

• Completion Rate: Nearly 99% of all applications received from pensioners and members have been disposed of by the EPFO. A time-bound job.

• The PPO Tally: Of the eligible retirees, 1,24,457 revised Pension Payment Orders (PPOs) have been issued. Another 12,572 PPOs are in the final stages of approval.

• The Ineligible: About 34,060 cases were deemed ineligible, mostly because the applicants failed to remit the required contribution amount.

The government maintains it is committed to ensuring benefits, taking the fund’s “health” into account. But with the deficit now officially confirmed in Parliament, a major minimum pension hike remains a distant, ongoing demand.

End . . .

Also read |WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.

The post EPS-95 Pension Hike Unlikely: Fund Under ‘Actuarial Deficit’ Stress first appeared on Rightsofemployees.com.

Also read:Liver Rescue: 3 Daily Drinks That Melt Fatty Liver Naturally

Part 1: The Delinking Fix

When your Universal Account Number (UAN) links to a wrong Member ID, it’s a mess. Your service history is all wrong, and it causes headaches down the line. The good news: the EPFO has finally made a direct online fix possible.

• The Problem: UAN is linked to a Member ID you don’t recognize or that’s just wrong.

• The Fix (Step-by-Step guide):

  1. Firstly, you need to visit the unified member portal where you will enter your UAN, password and CAPTCHA.

  2. Now you need to navigate to the view>> service history section.

  3. At this stage, you need to select the incorrect member ID and click the delink button.

  4. Now you can share the reason for delinking.

  Also Read |Liver Rescue: 3 Daily Drinks That Melt Fatty Liver Naturally

  5. Complete the verification process as OTP is sent to the registered mobile number, which you need to enter.

  6. Delinking is finally carried out, and a message of success is displayed on the screen.

  7. Once this is done, the service history of this incorrect ID won’t be visible. You can cross-verify this on the unified member portal again.

Here’s the kicker: This fix won’t work if the employer has already filed an ECR (Electronic Challan-cum-Return) using that incorrect Member ID. If contributions have already been formally submitted against the wrong ID, you’ll hit an ‘error’ message. That means you’ll have to go the old-school route through your employer or the EPFO field office.

Also read:Liver Rescue: 3 Daily Drinks That Melt Fatty Liver Naturally

The post EPFO UAN Guide: Delink Incorrect Member ID in 7 Steps first appeared on Rightsofemployees.com.

Here are the raw notes on what happened and what you need to do now:

December Pension Stopped: The Life Certificate Deadline Passed

The thing is, the government needs proof you are alive. Or nothing. This is the Life Certificate rule, mandatory every year to prevent fraud and erroneous payments.

• The Hard Stop: The deadline was November 30th. If you didn’t submit the certificate—your Jeevan Pramaan Patra—the system will automatically withhold your December pension.

• The Reason: It’s simple bureaucracy. The bank stops payment because, legally, they don’t have confirmation that the beneficiary is alive.

The Fix: Get It Done NOW

The situation is temporary. The money will come back. But you need to act fast to stop the hold-up from continuing. You submit the certificate, and the pension starts again. The delay is just a few days for processing.

Here’s how to do it without leaving the house:

1. Aadhaar Face Authentication: This is the easiest option now. You download the Jeevan Pramaan Face App and the required RD service app. You use your smartphone camera (needs a 5MP front camera) to scan your face. It verifies your identity against your Aadhaar photo. It takes minutes.

2. Jeevan Pramaan App: This is the standard digital route. You enter your Aadhaar and bank details, and authenticate the process. The certificate is automatically sent to the Pension Disbursing Authority (PDA).

3. Doorstep Banking: For the elderly or mobility-impaired, many banks and India Post offer this. They send an employee to your house to fill out the form and process the verification. This is invaluable, or nothing.

The clock is ticking for your December payment. Submitting today is the only way to minimize the disruption.

Also read:Mumbai: BMC Launches Fast-Track, Weekend Marriage Registration Services

The post Pension Halted: Life Certificate Deadline Missed; How to Restart first appeared on Rightsofemployees.com.

The Key Demands

• Minimum Pension Hike: Raising the EPS-95 minimum pension from ₹1,000 to ₹9,000 per month.

Also read:Lost Your DL? How to Get a Duplicate Online via Parivahan

• DA Linkage: Crucially, they want the new minimum pension to be linked with Dearness Allowance (DA). This would ensure the pension keeps pace with inflation, something the current fixed ₹1,000 minimum completely fails to do.

• OPS Restoration: They demanded the elimination of the New Pension Scheme (NPS) and the restoration of the benefits of the Old Pension Scheme (OPS), arguing the current Unified Pension Scheme is inadequate.

• Tax Relief: They also sought tax incentives on social security contributions and an increase in the income tax rebate ceiling for salaried individuals.

The Financial Context

The EPS-95 is a defined contribution-defined benefit scheme.

• Employer Contribution: 8.33% of the employee’s wages go to the pension fund.

• Government Contribution: 1.16% of wages (up to a ceiling of ₹15,000 per month) is provided by the Central Government via budgetary support.

• Budgetary Support: The government already provides additional budgetary support just to ensure the ₹1,000 minimum pension can be paid out. The jump to ₹9,000 would require a massive increase in this annual government allocation, which is the major hurdle.

The demand for the hike has been ongoing for years, with various pensioner groups previously asking for amounts like ₹7,500. Now, ₹9,000 is the number on the table, and the government will have to address this massive actuarial deficit problem in the budget, or face sustained public pressure. The thing is, this is now a political issue of providing dignified living to crores of retirees.

Also read:Lost Your DL? How to Get a Duplicate Online via Parivahan

The post 800% Hike? Unions Push Govt. for ₹9,000 Minimum EPS Pension first appeared on Rightsofemployees.com.

Also read:Salary Shock: India’s New Labour Codes are Now Effective

1. The UMANG App Solution (The Best Backup)

The UMANG (Unified Mobile Application for New-age Governance) app is the single best way to check your balance because it bypasses the direct EPFO website issues. It’s often the quickest way to get a clean passbook.

• The Path: Download the UMANG app (iOS/Android). Search for EPFO. Select ‘View Passbook.’

• The Kicker: You’ll enter your UAN and verify with the OTP sent to your registered mobile. Once linked, you can view your balance, download your e-Passbook, and even file claims.

Also read:Salary Shock: India’s New Labour Codes are Now Effective

2. The Correct Missed Call Number & KYC Check

The source content used an older number. The current, widely used missed call service number is different, and it absolutely requires clean data to work.

• The Number: Give a missed call from your UAN-registered mobile number to 9966044425. The call will auto-disconnect.

• The Fix: This service is totally free, but it requires that your UAN is seeded with at least one of these KYC details: Bank Account Number, Aadhaar, or PAN. If it’s failing, check your KYC status first.

3. The Regional WhatsApp Strategy

This is for personalized help. You can’t just send your UAN to the general SMS number on WhatsApp; you need to find the specific contact for your office.

• The Contact: The helpline number is not a single national number. You must find the dedicated WhatsApp Helpline number for your specific Regional EPFO Office where your PF account is maintained.

• The Method: Send a message to that number. Just state your query about your balance or UAN clearly.

Offline & Last-Resort Options

If the digital world is completely blocked, you still have your money.

• Go to HR: Ask your company’s HR/Finance department to provide or print a statement for you. They have access to the Employer’s side of the EPFO portal.

• Visit the Office: Visit your Regional EPFO office. Take your UAN, ID proof, and registered mobile. They can look up your balance and print a statement for you there.

Also read:Salary Shock: India’s New Labour Codes are Now Effective

The post When the PF Check Fails: The Reliable Digital Backups first appeared on Rightsofemployees.com.

Also read:Government Increases Vehicle Fitness Test Fees Up to Tenfold to Expedite Scrappage

1. The Biggest Change: Higher Salary Limit

Right now, if you earn more than ₹15,000 per month in basic salary, your employer is not required to enroll you in the mandatory retirement savings and pension plans (EPF and EPS). You can often be left out of the system.

The Proposed Change:

• Old Limit: ₹15,000 per month (in place since 2014).
• New Proposed Limit: ₹25,000 per month.

What This Means For You:

• More People Covered: If this passes, millions of workers who earn between ₹15,000 and ₹25,000 will automatically be included in the EPF and EPS schemes.
• Better Retirement: You will have bigger monthly contributions, which means your total savings (your “corpus”) will grow much larger over time.
• Official Reason: A senior government official explained that it’s unfair that people earning just above ₹15,000 have no official pension and have to depend only on their children later in life. This change fixes that.

Also read:Government Increases Vehicle Fitness Test Fees Up to Tenfold to Expedite Scrappage

2. Changes to the Pension Plan (EPS) Rules

The Employees’ Pension Scheme (EPS) is the part of your retirement fund that gives you a guaranteed monthly income after you retire. The rules for this scheme are also being updated.

• Problem Solved (Higher Pension): If you were already contributing based on your full, higher salary in the past, the EPFO has confirmed that you are now eligible to receive a higher pension payout when you retire. This settles a long debate.
• Minimum Pension Increase: The current minimum pension is only ₹1,000 per month, which is very low. The government is reviewing this and is expected to increase the amount soon to help current pensioners afford rising costs.

Also read:Government Increases Vehicle Fitness Test Fees Up to Tenfold to Expedite Scrappage

3. New Rule for Withdrawing Pension Money

The goal of the pension system is to give you a regular income in old age, so they want to make sure you don’t take the money out too early.

The Withdrawal Rule Change:

• Old Rule: If you left your job, you could withdraw your EPS money after 2 months of unemployment.
• New Rule: You will now have to wait 36 months (3 years) of unemployment before you can withdraw your EPS balance.

What This Means For You: This change is designed to encourage you to keep your retirement money saved so you can benefit from a lifelong pension, instead of taking it out as a lump sum early on.

4. Faster, Easier Payments (Digital System)

The EPFO has created a new digital system called the Centralised Pension Payment System (CPPS).

What This System Does:

• Faster: Payments are quicker and more reliable.
• Easier: You can receive your monthly pension payments at any bank branch without needing to fill out forms or transfer your account.

These proposed changes are being discussed right now and, if approved, will be some of the most important reforms for retirement planning in many years, making sure more people in India have financial security when they get older.

Also read:Government Increases Vehicle Fitness Test Fees Up to Tenfold to Expedite Scrappage

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This decisive action comes in response to the Supreme Court’s November 2022 order, which granted eligible employees the right to opt for a significantly higher pension. After months of application collection and recalculation, the EPFO began releasing the first phase of arrears in July 2025.

The Digital Engine: Centralised Pension Payment System (CPPS)

The key driver behind this rapid turnaround is the EPFO’s recently deployed Centralised Pension Payment System (CPPS).

As reported by Zee News, the CPPS acts as a digital backbone, automating complex monthly pension calculations and making the entire arrears settlement process far more efficient. The integration of improved digital verification alongside this automated workflow is expected to provide substantial, long-term streamlining for all future pension disbursements.

Disbursement Figures Highlight Rapid Acceleration

The CPPS has immediately impacted the volume of payments, demonstrating a clear upward trend in the clearance of pending cases and arrears:

The significant jump to over ₹4,010 crore in September 2025 underscores the success of the new centralised system in tackling the backlog and delivering financial relief to pensioners faster than ever before.

Also read:Government Increases Vehicle Fitness Test Fees Up to Tenfold to Expedite Scrappage

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PPF Account Interest Rules: The Public Provident Fund (PPF) is one of the most reliable savings schemes for investors. Its maturity period is 15 years, but everyone wonders: if investors stop making new deposits after this period, what will happen to the account, and will they receive any interest? Let’s find out.

Will interest continue to accrue for 15 years?
The unique feature of a PPF account is that even after maturity, investors have the option to close the account and withdraw the funds, or they can extend it. If an investor does not fill out the account extension form and does not make any new deposits, the account goes into passive extension mode. In this state, interest continues to accrue on the balance, even if no new deposits are made.

Is the interest earned on PPF taxable?
Investors can deposit a minimum of ₹500 and a maximum of ₹1.5 lakh annually into PPF. This investment is tax-deductible under Section 80C of the Income Tax Act. Furthermore, the interest earned is tax-free. This is why this scheme is extremely popular among long-term savers and tax planners.

After maturity, investors can extend the account for a period of 5 years. During this time, they can either make new deposits or continue to receive interest on the old balance. If investors choose the active extension option, they must deposit a minimum of ₹500 per year. However, if they choose the passive extension mode, they will continue to earn interest even without making any new deposits.

How much interest is currently being earned?
Currently, PPF offers an annual interest rate of 7.1%. This means that if an investor has a balance of ₹10 lakh in their account and doesn’t add any new funds, they will still earn approximately ₹71,000 in interest each year. This interest will continue to accrue to their account, and the balance will grow over time due to compounding.

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New Delhi. Government employees receive a pension. But many people are unaware that private employees also receive a pension. If you hold a private job, this news may be useful to you. In this news, we’ll explain the minimum and maximum pension amounts in private jobs.

What is the minimum pension under the EPFO?
The minimum pension under the Employees’ Pension Scheme (EPS-95) under the EPFO ​​is currently ₹1,000 per month. This was fixed in 2014 and has remained unchanged since then. The minimum pension under the Employees’ Pension Scheme (EPS-95) is expected to be increased to ₹7,500 from May 2025. This increase is intended to provide retired employees with a more livable pension and will include an inflation-linked dearness allowance (DA) component, which will be adjusted twice a year.

Will the pension increase?
The government will also increase the minimum pension under the EPFO. Work on this has already begun. Various employee organizations have long demanded that the amount of ₹1,000 is too low considering current inflation. Trade unions and various pensioners’ associations have long demanded an increase in the pension amount under the Employees’ Pension Scheme (EPS) to ₹7,500.

However, according to reports, the CBT will not increase the pension by 7.5 times and may consider increasing it by ₹2,500. However, it is not yet clear how much the increase will be. Different media reports are making different claims.

To receive a pension under the EPS, employees must fulfill the necessary conditions. For this, the employee must be an EPFO ​​member and their PF must be deducted for at least 10 years. Pension benefits begin after the age of 58.

How is pension determined under EPFO?
Pension under EPS is calculated using a fixed formula: Pension = (Pensionable Salary × Pensionable Service) ÷ 70

Pensionable Salary is the average basic pay + dearness allowance for the last 60 months of service, with a maximum limit of ₹15,000. Pensionable service represents the total years of service, rounded off if it is 6 months or more, and you need at least 10 years of service to be eligible for a pension.

The maximum limit for pensionable salary is ₹15,000 per month. This means that if a member has served for 35 years, they can receive a maximum pension of ₹7,500 per month.

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EPFO: Employed individuals will now be able to withdraw the full amount from their PF accounts. However, there will be a requirement to maintain a minimum balance of 25%. This means that you will be able to withdraw 75% of your PF account easily. Withdrawing from your EPF will now be easier than ever. It’s also a relief that you won’t need to provide a reason for withdrawing 75% of your funds. In cases of natural disasters, pandemics, job loss (unemployment), and other such special circumstances, you will be able to withdraw funds without providing a reason.

To further modernize its services, the EPFO ​​has approved the “EPFO 3.0” digital transformation framework, which will include features such as cloud-based technology, mobile apps, and automatic claim settlement.

100% Withdrawal Facility
EPFO has eliminated 13 previous, onerous rules and now allows partial withdrawals in only three categories: essential needs (illness, education, marriage), housing needs (house-related expenses), and special circumstances. Members will now be able to withdraw the entire balance in their PF account (including both employee and employer portions). Previously, only three withdrawals were allowed for education and marriage, but now 10 withdrawals can be made for education and five for marriage.

Additionally, the minimum service period, which previously varied for different requirements, has been reduced to 12 months. The most significant change is that employees can now withdraw up to 100% of the balance in their account, including both the employee and employer contributions.

25% minimum balance required
EPFO has also ensured that members always maintain a minimum balance of 25% in their accounts. This will ensure that members continue to benefit from an interest rate of 8.25% and compound interest, which will help them build a substantial retirement corpus.

Withdrawals without explanation
Previously, in special circumstances (such as natural disasters, unemployment, or pandemics), a reason had to be given for withdrawals. Claims were often rejected in these circumstances. Now, this hassle has been eliminated. Members will be able to withdraw money without explanation under special circumstances.

How to withdraw money from EPF online?
These conditions must be met for online EPF withdrawals:

1. The UAN must be active and the registered mobile number must be working.

2. The UAN must have KYC (Aadhaar, PAN, bank details, and IFSC) linked to it.

3. If these conditions are met, employer verification is not required.

Steps to withdraw EPF on the UAN portal

1. Go to the UAN portal. Login with your UAN and password, enter the captcha, and click “Sign In.”

2. Go to Manage > KYC and verify your Aadhaar, PAN, and bank details.

3. Select Online Services > Claim (Form-31, 19, 10C, and 10D).

4. Enter your bank account number and verify.

5. Click “Yes” and sign the certificate of undertaking.

6. Click on “Proceed for Online Claim.”

7. Select the withdrawal type in the “I Want To Apply For” section:

Full EPF settlement

Partial PF withdrawal

Pension withdrawal

8. Fill out the form and click “Submit Certificates.” Upload scanned documents if required.

9. After your claim is verified, the money will be credited to your account.

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EPFO New Rules: The Employees’ Provident Fund Organization (EPFO) has made a major change to its rules. While withdrawing your entire PF immediately after losing your job isn’t as easy as before, it offers significant benefits, especially for private sector employees who frequently change jobs or become unemployed due to circumstances.

What’s changed in the new rule?
Now, to withdraw your entire PF after leaving your job, you must remain unemployed for 12 months. Previously, this period was only 2 months. This means that an employee can now withdraw their entire PF only after being unemployed for one year.

Furthermore, the final pension withdrawal limit has been increased from 2 months to 36 months. According to the EPFO, this change is in the best interest of employees. This change will provide long-term financial security to individuals, ensuring their retirement savings are protected.

Who will benefit?
This rule could prove to be a boon for private sector employees. While it may be difficult for those who frequently change jobs or face occasional unemployment to withdraw their PF early, it will benefit them. Their service history will remain continuous, meaning that when they join a new job, their PF account will continue from there. This will directly benefit them by increasing both their PF funds and pension at retirement.

PF breaks impacted pensions.
According to the EPFO, previously, people used to withdraw PF frequently, which led to breaks in their service. This impacted their pensions, and many cases were even rejected. Now, the new rule will ensure that employees maintain continuity in their job and provide better financial security in the future.

Has withdrawing PF become more difficult now?
It’s not. If someone needs money immediately after leaving their job, they can withdraw up to 75% of their PF. And if they remain unemployed for 12 months, they can withdraw the entire amount. EPFO ​​has clarified that the new rules simplify and digitalize the withdrawal process, so that employees can withdraw their money without hassle if needed.

What is the overall benefit?
This change will greatly benefit employees in the long term. Now their funds will be safe until retirement, and they will receive a higher pension amount than before. These new EPFO ​​rules may sound a bit strict, but in reality, they are designed for the long-term well-being of employees.

IRCTC has given a big relief to train passengers, they can change their travel date without any ticket cancellation charges.

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EPFO New Rule: The Employees’ Provident Fund Organization (EPFO) took several important decisions at its 238th Central Board of Trustees (CBT) meeting, which will benefit millions of members. The Employees’ Provident Fund Organization’s board meeting, chaired by Union Labor Minister Dr. Mansukh Mandaviya, made several significant decisions. Employees will now be able to withdraw 100% of their “eligible balance,” i.e., both the employee and employer portions, from their accounts. Furthermore, partial withdrawal rules have been simplified and made transparent, ensuring that members face no difficulties in withdrawing funds when needed.

The meeting, chaired by Labor Minister Mansukh Mandaviya, included several steps taken to simplify rules, expand digital services, and reduce litigation. These changes are a major step towards making life easier for employees. The meeting decided to make major changes to the rules governing partial withdrawals from the EPF scheme. Until now, there were 13 different rules for withdrawals under different circumstances, which have now been consolidated into three simple categories: essential needs (such as illness, education, marriage), housing needs, and special circumstances.

Chaired the 238th meeting of Central Board of Trustees of EPFO.

Under the leadership of PM Shri @NarendraModi ji, we are ensuring ease of living for members and ease of doing business for employers.

Key decision taken 👇

📖 https://t.co/Tg3cJ6EMUo pic.twitter.com/3RS1c4lqrX

— Dr Mansukh Mandaviya (@mansukhmandviya) October 13, 2025

Major Decisions Taken at the EPFO ​​Meeting

Now 100% Withdrawal Facility

The EPFO ​​has eliminated 13 previously stringent rules and now allows partial withdrawals in only three categories: essential needs (illness, education, marriage), housing needs (house-related expenses), and special circumstances. Members will now be able to withdraw the entire balance in their PF account (including both employee and employer portions).

Previously, only three withdrawals were allowed for education and marriage, but now 10 withdrawals can be made for education and five for marriage. Furthermore, the minimum service period has been reduced to 12 months, which previously varied for different needs. The most significant change is that employees can now withdraw up to 100% of the balance in their account, including both the employee and employer portions.

25% Minimum Balance Required
EPFO has also ensured that members always maintain a minimum balance of 25% in their accounts. This will allow members to benefit from an 8.25% interest rate and compound interest, helping them build a substantial retirement corpus.

Withdrawals Without Reason
Previously, in special circumstances (such as natural disasters, unemployment, or pandemics), a reason had to be given for withdrawals. This often resulted in claims being rejected. Now, this hassle has been eliminated. Members will be able to withdraw without reason under special circumstances.

Auto-settlement process simplified
Under the new rules, no documentation will be required. The withdrawal process is set to be fully automated, speeding up claim settlement. The period for premature final settlement has been extended from two months to 12 months, and the pension withdrawal period has been extended from two months to 36 months. This will allow members to withdraw funds for their needs without using their retirement funds.

Digital Transformation and New Features for Pensioners
The EPFO ​​has developed a new framework under “EPFO 3.0” to further enhance digital services. This integrates core banking solutions with a cloud-based, API-first, and microservices-based system. This will enable faster claim processing, instant withdrawals, multilingual self-service, and easier payroll contribution integration.

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In India, a portion of your salary is automatically deposited into your Employees’ Provident Fund (EPF) account every month. The government offers an attractive interest rate of 8.25 percent, making EPF a safe and profitable long-term investment. Over time, it helps build a strong retirement fund.

But many people have a question, “If I quit my job at 40 or 45 and don’t withdraw my PF, will I continue to earn interest? Does the interest accrual stop after I become unemployed?” Let’s explain it simply.

According to EPFO ​​rules, if you quit your job before the age of 58 and don’t withdraw your PF, your account doesn’t become inactive. Your savings continue to earn interest until you reach 58. For example, if you quit your job at 40 and let your PF remain unused, it will continue to earn interest for the next 18 years.

If you retire at age 58 and don’t withdraw your PF immediately, your funds will continue to earn interest for the next three years, until you reach age 61. After that, the account will become inactive and interest will stop accruing. But don’t worry, your deposited money will be completely safe.

Many people withdraw their PF immediately after leaving their job because they think the account will automatically close. But doing so deprives you of interest for many years to come. Even if you’re tempted to invest in a fixed deposit or other scheme, it’s often better to let your PF money sit there.

This scheme is fully government-backed, offers stable interest rates, and offers tax benefits. This is why EPF is one of the most reliable and secure options for retirement planning.

How to Withdraw EPF Balance?

• Here’s a step-by-step guide:
• Visit the EPFO ​​website and log in with your UAN (Universal Account Number).
• Update your KYC details (such as Aadhaar, PAN, and bank account).
• Go to “Online Services.”
• Select the “Claim (Form-31, 19, 10C)” option.
• Verify your bank account.
• Select the withdrawal reason (such as retirement, medical need, home purchase, etc.).
  Verify with an OTP and submit the claim.
• Your money will be credited to your bank account within 7–8 days.

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Does an account become inoperative and your money is lost?

If you don’t withdraw money from your PF account within three years of retirement, the EPFO ​​deactivates the account. Deactivation of the account doesn’t mean your money will be lost, but rather that interest on that money will stop.

How long after retirement does interest accrue?

The EPFO ​​recently announced on its X Account that if someone retires at the age of 58, their EPFO ​​account will continue to earn interest for the next three years, until the age of 61. After 61, interest on the EPFO ​​account will stop and the account will be deactivated.

Withdrawing money from the EPFO ​​is now easier than ever, especially if your account is linked to a UAN (Universal Account Number) and your KYC is complete. Today, we’ll explain both online and offline methods.

What is the offline method?

• First, you need to visit the nearest EPFO ​​office.
• Then fill out Form 19, Form 10C, or Form 31 (depending on your claim).
• Follow this process by attaching a copy of your identity card and bank passbook.
• If necessary, have the company sign and stamp it.Then submit the form.
• The money will usually be credited to your bank account within 7–10 working days.

Learn the online method as well.

• First, visit the EPFO ​​website and login to your UAN.
• Update your KYC.
• After logging in, go to Online Services.
• Click on Claim (Form-31, 19, 10C).
• Verify your bank account.
• Select your EPF withdrawal reason (e.g., retirement, medical, home purchase, etc.).
  Verify with an OTP.
• Enter the OTP and submit your claim.
• The money will be credited to your bank account within 7-8 days.

UPI Payment New Rule: NPCI Orders Banks and Payment Apps to Halt P2P ‘Collect Request’ Services by October 1

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EPFO Launches New Feature
Recognizing the problems of its millions of users, EPFO ​​has launched a feature called Passbook Lite. This feature allows you to check your EPF balance in one click. Checking your PF balance will become much easier after using this feature.

What is ‘Passbook Lite’?

Passbook Lite’ is an interface available on the EPFO ​​website. With the introduction of this feature, users can directly check their PF balance without any complicated login process. Previously, PF holders had to enter their UAN, password, and captcha, but now this process has been simplified considerably. Users simply need to enter their UAN number and OTP. After this, they can directly view their passbook.

How to use Passbook Lite?

• First, visit the EPFO’s official website, www.epfindia.gov.in.
• Then click on the ‘Passbook Lite’ section.
• Enter your UAN number.
• An OTP will be sent to your mobile.
• Enter that OTP and submit it.
• Your PF passbook will appear on the screen.

Why did this feature become necessary?
Viewing your passbook on the EPFO ​​website used to be a seemingly impossible task. Therefore, understanding the problems faced by millions of users, the EPFO ​​launched Passbook Lite. According to the EPFO, many people were unable to view their PF information due to lack of technical knowledge or network issues. This feature was specifically introduced to help those people.

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Now, members will be able to view their PF account information directly from the portal, without a separate login. Until now, to check PF balance or transactions, one had to log in separately to the Passbook portal. But with the new Passbook Lite feature, this problem has also been solved.

What is Passbook Lite?

Now, employees can view details of their contributions, withdrawals, and total balance directly on the member portal. Labor and Employment Minister Mansukh Mandaviya announced this service during a program. He said this improvement will not only enhance the convenience of PF members but also reduce the load on the existing passbook portal.

How to use Passbook Lite?

The EPFO ​​has made the process of checking your PF balance extremely easy. Simply visit the EPFO’s official website, www.epfindia.gov.in, and select the Passbook Lite option. Enter your UAN number and you will receive an OTP on your mobile phone. Once you enter and submit the OTP, your PF passbook will appear on your screen.

Why was this feature necessary?

Previously, viewing your PF passbook was a difficult task for many people. Sometimes technical issues or network problems arose. To address this problem, the EPFO ​​has launched this lightweight feature, allowing millions of users to easily access their PF details.

Now you will get transfer certificate online

When an employee changes jobs, their PF account is transferred online to the new company’s PF office. The old PF office then generates an Annexure K transfer certificate and sends it to the new PF office. Previously, this certificate was shared between PF offices, and members received it only upon separate requests. With the change, members will now be able to download the Annexure K directly from the member portal in PDF format. This feature will make PF transfers completely transparent. PF members will now be able to check the status of their transfer application online, ensuring their balance and service period have been correctly updated in their new account.

What benefits will the employees get?

Claim processing times will be reduced, and funds will be disbursed more quickly. Accountability at the field office level will increase. The approval process will be simplified, and service delivery will be expedited. These reforms will benefit approximately 80 million EPFO ​​members. Services such as passbooks, transfer certificates, and claim status will now be available through a single login.

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No online forms will be required. Simply visit an ATM and withdraw your EPF deposits. A new digital platform, called EPFO ​​3.0, is about to launch, which will completely transform the experience of over 80 million PF subscribers.

This upgrade was originally scheduled to launch in June 2025, but was delayed due to technical issues and testing. It is now expected to launch soon. According to reports, this will be discussed at a meeting chaired by Union Labor and Employment Minister Mansukh Mandaviya on October 10-11.

How to withdraw PF now?

Currently, EPFO ​​members complete claim forms (Forms 31, 19, 10C, and 10D) online or offline to withdraw funds and submit documents along with bank details. Documentation is mandatory for home purchases or medical needs. The offline process requires visiting an EPFO ​​office and submitting the form, which is time-consuming.

How will EPFO ​​3.0 change the system?

Under the new system, PF accounts will be linked to UPI and ATM networks. This means that members will be able to withdraw a set amount from their PF directly through their UPI apps or bank ATMs. This can be done using Aadhaar-based authentication or a secure PIN. Furthermore, certain limits will be established for fund safety and regulations.

Not just withdrawal, there will be other changes too

EPFO 3.0 will not only be limited to ATM or UPI withdrawals. It will also feature a user-friendly digital interface where employees can easily track their PF balance, contributions, and claim status. It will also make it easier to file PF claims or correct personal details online without having to visit an EPFO ​​office.

The post EPFO 3.0: PF withdrawal method will change before Diwali, money can be withdrawn through UPI and ATM. first appeared on Rightsofemployees.com.

The first job is special for everyone. When you start your first job, there are many things in your mind. How will the office be, how will the boss be. But there are some things which are important for your benefit in the future.

The first job also includes an important task related to EPFO. Ignoring which can be harmful. When the PF account is opened in the first job, you are also issued a UAN i.e. Universal Account Number.

This number is used to manage the PF account. Only after getting UAN, you can view and manage your PF balance, contributions and claims online. That is, all your work is done through UAN only.

Through UAN, your PF account remains continuously linked to every job. If you change jobs in the future, your PF account is automatically transferred to the new job. This keeps the money deposited and safe and you do not need to manage different accounts.

When you first start working, it is important to activate your UAN. Companies now get their employees’ UAN made as quickly as possible and give them the details. After that, it is your job to activate the UAN.

To activate UAN, you have to go to https://unifiedportal-mem.epfindia.gov.in/memberinterface /. Here you have to do OTP verification from the mobile number registered in your Aadhaar. After this, you have to set the password.

When your UAN is activated, you can view your account information from the online portal or mobile app. This includes balance, record of previous jobs and withdrawal status. Without activating UAN, you cannot do any work related to PF account.

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Now death relief fund will be Rs 15 lakh

Earlier, only Rs 8.8 lakh was available under the Death Relief Fund (EPFO Death Relief Fund), now it has been increased to Rs 15 lakh. This new rule has come into effect from April 1, 2025. That is, if a member dies after this date, the family will get Rs 15 lakh directly. This amount will be given to the nominated member or legal heir of the employee from the Staff Welfare Fund.

5% increase every year

Not only this, EPFO ​​has also clarified that this amount will increase by 5 percent every year from April 1, 2026. This means that families will be able to get more financial support in the coming years.

Making death claims is now easy

EPFO has also simplified the process related to claims. If money is to be transferred to the account of minor children, then there will be no need for a Guardianship Certificate. This means that the family will not have to face the same difficulties in claim settlement (EPFO Simplifies Claim Settlement Process).

Linking Aadhaar with UAN will be hassle free

Many employees are still unable to link their Aadhaar with UAN or Aadhaar needs correction. For such cases, EPFO ​​has simplified the process of joint declaration so that members can update or link Aadhaar details without any hassle.

Why is this decision important for employees?

This move of EPFO ​​is a big relief for those families who face financial difficulties after losing their member. Now not only has the compensation amount increased but it will also increase every year. Along with this, processes like claim and Aadhar link have also become easier, so that employees and their families can get timely help.

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If you follow certain planning and rules, then you can increase your earnings in PPF to a great extent. Therefore, it is very important to understand the calculation of interest received on PPF.

The 5th date is very important for investors investing in PPF . If you remember this date, you can earn a lot of interest. Let us tell you that the biggest strength of PPF is compounding. That is, the sooner you start investing, the more time your money will get to grow. By the way, a small investment started at the age of 20-25 can create a much larger corpus than a large investment started at the age of 40-50.

Invest before 5th of the month

It is believed that it is necessary to invest in PPF on a correct date. It is believed that the interest in PPF is calculated on the minimum balance from the 5th of every month till the end of the month. If you deposit money for investment on or before the 5th of the month, then you can get interest on the entire amount of that month. Whereas if the investment is made after the 5th, then you can get the benefit of interest only on the lowest balance between 5th to 30th.

Tax benefits in PPF

PPF falls under the Triple-E (Exempt-Exempt-Exempt) category. This means that it provides tax exemption at three levels. First – you will get tax exemption under section 80C on investment up to ₹ 1.5 lakh every year. Second – the interest received on the investment will be completely tax-free and third – no tax is to be paid on the entire amount received on maturity of 15 years. This is the reason why PPF is considered more beneficial than options like FD.

Avoid premature withdrawals

PPF is a long term and safe investment scheme with a maturity timing of 15 years. However, in urgent situations, you can make partial withdrawals after 5 years, but doing so may affect the compound interest you get on your investment.

The post Maximize Your PPF Interest: The Secret of Depositing Before the 5th first appeared on Rightsofemployees.com.

Aadhaar-UAN linking is now easy

If the name, gender and date of birth information in Aadhaar and UAN matches, the member can directly contact his employer. Employers will be able to complete Aadhaar linking through the KYC function on the portal. There will no longer be a need to seek separate approval from the EPFO in this process, which will eliminate the earlier delays.

The post Aadhaar-UAN Linking Simplified: Complete 7-Step Process Explained first appeared on Rightsofemployees.com.

If money is being deposited in the PF account from your salary, then it should be withdrawn only at the time of need. In this news, we tell you what are the disadvantages of withdrawing money from PF repeatedly.

What actually happens is that as soon as we see money in our PF account, we withdraw it and spend it even if we don’t need it. We forget that we get the benefit of compound interest on the amount deposited in PF. This benefit ends as soon as we withdraw the money.

How to withdraw money from PF?

Money can be withdrawn from PF in two ways. First as half amount and second as full amount. Half amount can be withdrawn while in job, while full amount can be withdrawn after retirement or after leaving the job.

Rules for withdrawing half amount

As we told you, you can withdraw half of the money from PF while you are still in job. However, the government has put some conditions for this, such as money can be withdrawn only for marriage or children’s education, buying, building or repairing a house, medical problems, paying electricity bill. One thing to note is that money can be withdrawn only up to different limits for each reason.

The post Frequent PF Withdrawals Can Be Costly: Key Rules You Must Know Before Withdrawing first appeared on Rightsofemployees.com.

In such a situation, now after the death of an EPF member, the fund money will be deposited directly into the bank account of their children. For this, there will be no need to get entangled in a long legal process.

Earlier this rule was

Under the earlier rule, if the minor children of the deceased PF member were to receive money, the family had to get a guardianship certificate from the court or government authority. This certificate proved who was responsible for the care of the child and his property or money. Sometimes it took weeks to months to get it made, which delayed the amount received by the family.

Now the fund will be transferred directly to the children’s account

The Employees Provident Fund Organization (EPFO) issued a circular on Wednesday stating that many regional offices used to ask for this certificate even in cases where it was not legally required. Due to this, the family members of the deceased member had to face problems and there was delay in claim settlement. In view of this, a new rule has been brought. Under this rule, the money of the fund will be transferred directly to the personal bank account of minor children, which will eliminate the need for guardianship certificate.

It is necessary to have a bank account in the name of children

EPFO has advised all people to open a personal bank account for minor children in time. This will not only transfer the PF claim amount directly to their account, but family pension and other benefits will also be deposited directly into the account. To open a bank account, the parents or guardians will have to provide the child’s identity card and necessary documents. The guardians will operate the account until the child becomes an adult.

Many benefits are available after the death of a PF member

Let us tell you that after the death of an EPFO member, his family gets many types of financial assistance. This includes family pension, EDLI insurance. Under family pension, the family of the deceased member is given pension every month. This remains applicable during service or even after retirement. On the other hand, under the EDLI insurance scheme, if an employee dies during service, the nominee gets a lump sum insurance amount.

The post PF Claims for Minors Made Easier: No Guardianship Certificate Needed, Direct Bank Transfer first appeared on Rightsofemployees.com.

What is the detail

This move by EPFO is aimed at making UAN more authentic and error-free. Universal Account Number (UNM) is an important 12-digit unique identification code given to every employee nominated under the EPF scheme. Without it, EPF contributors may face problems like accessing their PF balance and submitting claims for advance withdrawal.

What are the rules

As per the new rules, new employees will have to complete the process of generating UAN through Aadhaar-based face authentication only. The existing employer-based UAN process will continue as normal except for exceptional cases like international employees and citizens of Nepal and Bhutan. This means that generating UAN through employers will still be allowed in some cases, but the use of Aadhaar-based FAT is now mandatory for most employees. New employees should also note that this process has to be completed through the Umang app.

Who will be affected

The new facial recognition mandate could create problems for staffing firms that provide manpower solutions to multinational companies. In a recent submission to the EPFO, the Indian Staffing Federation (ISF) has highlighted that the revised policy could create problems for employees, as many of them do not have their mobile numbers linked to their Aadhaar.

The Indian Staffing Federation (ISF), which represents over 135 contractual staffing firms employing over 18 lakh workers, has highlighted the challenges posed by these new rules. The federation also said that problems could arise due to users’ unfamiliarity with the new system and possible discrepancies in phone models and camera settings during authentication.

The post EPFO Rule Changes 2025: Key Updates Every Employee Must Know first appeared on Rightsofemployees.com.

A large section of the population depends on jobs to earn their livelihood. People study, do courses and look for a good job. From where they can get a good salary so that they can save for their future apart from their current needs. During the job, the company provides many facilities, but one facility is also provided by the government and that is the PF account. PF accounts are opened under the rules of working people in which a fixed amount is deducted from the employee’s salary every month and deposited.

Then the company also deposits the same amount in the employee’s salary every month. After this, the government also pays annual interest on the total amount deposited annually. At the same time, you can withdraw money from your PF account even after leaving the job or in between jobs, but do you know that if your mobile number is not linked to your Aadhar card, then you cannot withdraw money from your PF account.

Why can’t I withdraw the money?

Actually, at present, if you want to withdraw PF money from your PF account, then you have to apply online through the PF portal. In such a situation, OTP is sent to the mobile number linked to your Aadhaar and that OTP has to be entered here, but if no mobile number is linked to your Aadhaar or the linked number has been closed etc. In such a situation, you will not be able to withdraw PF.

What should be done then?

The post EPFO Update: Aadhaar-Mobile Link Mandatory for PF Withdrawal – Know the Steps first appeared on Rightsofemployees.com.

The Employees Provident Fund Organization (EPFO) has made it mandatory for its members to activate the Universal Account Number (UAN) through the Umang mobile app. This is going to start from August 7. The EPFO has clearly stated that now UAN can be activated only through the Umang app through Aadhaar Face Authentication and services may be discontinued for members who do not do so.

It is possible to create UAN through Umang app.

EPFO has made a big change in its rules (EPFO Rule Change). On July 30, a circular was issued and an update was given regarding this. According to this, now it is mandatory for the members to generate their UAN through Aadhaar based face authentication. However, in some special cases (such as for international employees) the old method of generating Universal Account Number by the employer will also be valid. At the same time, all other new UANs will be generated only through Aadhaar Face Authentication technology. For this, the entire process will be done through UMANG app and there will be no need to contact the employer.

The biggest advantage of the new rule of EPFO is that employees will now be able to generate and activate UAN themselves. For this, they just have to download UMANG App and Aadhaar Face RD App from their mobile’s Play Store. After its activation, users can also download the digital copy of E_UAN card from here and share it with the employer to connect directly with EPFO.

To generate UAN using the new technology, the user must have a valid Aadhaar card number and a mobile number registered with it. Apart from this, Aadhaar Face RD App is also available for facial scanning.
Once these are ready, the process can be completed in a few minutes using your phone.

You can create your UAN in minutes like this

• First of all open Umang App in your mobile phone and go to EPFO.
• Now select UAN allotment and activation. 
• Enter Aadhaar number and registered mobile number here and click on the box for Aadhaar verification. 
• Click on ‘Send OTP’ and complete the verification through the OTP received on your mobile. 
• Now you have to complete face authentication, for this install Aadhaar Face ID App. 
• If the system does not find the existing UAN, then a new UAN will be created. 
• After verification, your UAN and a temporary password will be sent via SMS.
• This is for both first time UAN card users and existing users who are not activated. 

Why was this change made?

Now let us tell you why EPFO has made this new change? So the new method uses Face Authentication Technology (FAT), which makes the process of UAN activation simpler and more secure than before, because in this the complete information of the user comes directly from the Aadhaar database and the need to enter personal details manually is eliminated.

Till now, many employees have been directly dependent on the employer for their UAN setup and its activation. Due to this, problems like delay, incorrect information and lack of access of members to EPFO benefits were seen, the scope of this will end with the new method. However, the old process has been continued for international employees, citizens of Nepal or Bhutan.

The post UAN Rule Updated! EPFO Makes It Mandatory with Your First Employment first appeared on Rightsofemployees.com.

Actually, PF account is opened for those who do jobs in which a fixed amount is deducted from the salary of the employee every month and deposited in your PF account and the company also deposits the same amount in the PF account of the employee.

The company also gives interest to the PF account holder on this money. At the same time, if you need money in between the job, then you can withdraw money from your PF account and you can get this money within 72 hours i.e. 3 days. So let’s know how you have to apply for PF. In the next slides you can know the way to withdraw money from PF account…

The post EPFO Claim Process: Withdraw Your PF Easily and Get Money in Just 72 Hours – Step-by-Step Guide first appeared on Rightsofemployees.com.

The central government has told the Parliament that a large number of the lakhs of applications submitted under the EPFO’s High Pension Scheme have been rejected. People had high hopes on this much-discussed scheme of the Employees’ Provident Fund Organization (EPFO), but the latest figures seem to dash them.

Union Minister of State for Labor Shobha Karandlaje told the Rajya Sabha that EPFO has received 15.24 lakh applications so far. Out of these, the processing of 98.5% applications has been completed. But the most surprising thing is that more than 11 lakh applications have been rejected. Only 4 lakh forms have been passed, while about 21,995 applications are still in process.

At present, the government has not explained why such a large number of forms were rejected. Nor has it been clarified when the process of the remaining applications will be completed. According to the report, the maximum number of applications, i.e. 63,026, were rejected in Chennai and Puducherry region.

The race of hopes had started after the decision of the Supreme Court

The discussion on EPFO’s high pension scheme intensified when the Supreme Court gave an important decision on 4 November 2022. The court had said that those employees who had joined the EPF scheme before 1 September 2014 and continued in the job or retired later, can choose to get pension on the basis of their full salary.

This decision was considered a relief for lakhs of employees, who were dissatisfied with the limit of EPS pension for years. Earlier the maximum pension was limited to a salary of Rs 15,000, but after this order, there was hope that now pension can be received on the basis of full salary.

EPFO started online process

After the SC decision, EPFO launched an online portal on 26 February 2023, where employees and pensioners could apply for high pension. Initially the last date for application was 3 May, which was extended to 26 June 2023. After this, companies were also given many opportunities to upload the salary details of their employees.

However, the rejection of so many applications makes it clear that either the process was not explained properly or there was a huge flaw in the verification of documents and data. This can also lead to huge dissatisfaction among pensioners and employees.

Who can avail the benefit of high pension?

Only those employees who fulfil certain conditions will get the benefit of EPFO’s Higher Pension Scheme. The first condition is that the employee should have joined the EPF scheme before 1 September 2014. Secondly, the person will be considered eligible in both situations whether he is currently in service or has retired. The third important condition is that the employee has already chosen the option of contributing to EPS on the basis of his entire salary, or wants to choose that option now.

That is, only those who have contributed to EPS not only according to the fixed limit (₹ 15,000) but also according to their entire salary or have expressed their wish to contribute, are eligible for this scheme. Under this scheme, the pension is calculated on the basis of the total service period of the employee and the amount of contribution. According to the rules, the eligible employee can get a much higher amount than the normal EPS pension.

What is EPS-95 scheme?

EPS-95 i.e. Employees Pension Scheme, 1995 is the EPFO scheme under which employees of the organized sector get pension after retirement. However, a limit was fixed for this, even if the salary of an employee is more than Rs 15,000, the pension was decided on the basis of this limit. There was a dispute about this for years and the employees were demanding that they should get pension based on their actual salary. The Supreme Court gave guidance in this direction and EPFO started the application process after that.

The post EPFO High Pension Scheme: Over 11 Lakh Applications Rejected Out of 15.24 Lakh Received first appeared on Rightsofemployees.com.

If an employee dies during his job, then under this scheme, his family gets a lump sum insurance amount, which can range from ₹ 2.5 lakh to ₹ 7 lakh. The special thing is that the employee does not have to pay any money from himself for this insurance.

Now you will get ₹50,000 in any case

EPFO has made a very important change in the rules of EDLI. Earlier the rule was that on the death of the employee, the family should have at least ₹ 50,000 deposited in his PF account to get insurance benefits. Now this condition has been abolished. This means that even if an employee has less than ₹ 50,000 in his PF account, or even if the account is empty, his dependents will definitely get insurance benefits of at least ₹ 50,000. This change is a big relief especially for the families of low-paid and new employees.

Death claim period extended

In the new rules, the time limit for submitting a claim after death has also been increased. Now if an employee dies within six months of receiving his last salary, his family will still be able to get the insurance benefit of EDLI. Earlier this time limit was much less than this, due to which many families faced problems.

Benefits are secure even if you change jobs

Another important change has been made in the rule of continuous service. Now if an employee has to complete one year of continuous service, and there is a gap of 60 days i.e. two months between his two jobs, then also his service will be considered continuous. That is, if someone has done many jobs and there is a gap of less than two months between each, then the period of all his jobs will be considered together. This will enable his family to get full insurance benefits.

The post No PF Balance? You’re Still Eligible for ₹50,000 Under EDLI – EPFO Confirms first appeared on Rightsofemployees.com.

Now adding EPFO related services to DigiLocker is another big step in this direction. EPFO recently shared this information on the social media platform X.

Now these EPFO facilities will be available in DigiLocker

EPFO members can now easily view and download their UAN card, PPO and scheme certificates. Earlier PF passbook had to be downloaded from UMANG app, but now direct access facility is available on DigiLocker. This facility is currently available only for Android users. iPhone users are currently getting notification to view passbook in DigiLocker through UMANG app.

UAN activation now through face authentication

EPFO gave another update on July 18 and said that now UAN can be activated through face authentication from UMANG app. It is very important to activate UAN, because without it you can neither check your PF balance, nor withdraw money, nor update bank or Aadhaar details.

The post Now PF facilities will also be available on DigiLocker, Checking passbook details and balance has become easy first appeared on Rightsofemployees.com.

If this proposal is passed, it will provide relief to more than 7 crore active EPFO members working in the organized private sector. Moneycontrol’s report says that the central government is considering easing the rules for withdrawal of money by members after completing 10 years of service.

This is being considered keeping in mind those people who want to retire early. In such a situation, instead of waiting till 58 years, they can claim the entire PF amount as soon as they retire.

Why is this change necessary?

Till now, the entire amount could be withdrawn from EPF only when an employee retires at the age of 58 years or remains unemployed even two months after leaving the job. But there are many people who want to change their career at the age of 35 to 40 years or are unable to do a regular job due to some reason. In such a situation, this change will be very helpful for them.

EPFO made these changes 

• There will be a facility to withdraw up to Rs 1 lakh instantly from EPF account through UPI or ATM. This will make it easier to withdraw money in an emergency. 
• Earlier, claims up to Rs 1 lakh were settled automatically, but now this limit has been increased to Rs 5 lakh. Verification will not be required for this. 
• To simplify the process, EPFO has reduced the number of documents required for claim verification from 27 to 18. Due to this, this process is now completed in 3-4 days. 
• Now 90% amount can be withdrawn from PF account, if 3 years of service is completed and that money is to be used for down payment or EMI of house. 

It is worth noting that the government keeps making changes from time to time regarding withdrawal from EPF account, so that the private sector employees get a simpler process. These changes have also been made so that employees can use their money without any hassle in times of emergency. Let us tell you that 12 percent contribution in the PF account is given by the employee and 12 percent contribution is given by the employer. 

The post EPFO Likely to Modify PF Withdrawal Rules: How It Will Affect You first appeared on Rightsofemployees.com.

Earlier the facility was available only on UMANG app

Till now, the facility to view PF passbook was available only on UMANG app. But EPFO informed on 17 July 2025 on X (earlier Twitter) that Android users will now be able to get this information directly through DigiLocker. However, for iOS users, it is still necessary to use UMANG app.

The post Good news for PF members! EPFO services are now available on DigiLocker, all details will be available in a jiffy first appeared on Rightsofemployees.com.

In fact, this year the Employees’ Provident Fund Organization (EPFO) has given a big relief to crores of employees of the country. Usually, EPF interest is deposited in August or September every year, but this time the interest has been added to the account in early July itself.

This is being considered as another major operational milestone for EPFO. Once you also open your EPF account passbook and check whether the interest on PF has come or not?

Interest received in 2.39 crore accounts?

According to Union Labour Minister Mansukh Mandaviya, for the financial year 2024-25, interest has been credited in 32.39 crore accounts out of 33.56 crore accounts under 13.88 lakh institutions so far. That is, the work has been completed in 99.9% institutions and 96.51% accounts. This is much better than last year, as at that time only 86% of the accounts had received interest till this date.

What is the EPF interest rate?

In January 2025, EPFO ​​announced that the EPF interest rate for 2023-24 will remain at 8.15%. This rate has remained almost constant for the last 5 years. Around Rs 10 lakh crore is invested in EPFO ​​every year and now its total assets (assets under management) have crossed Rs 17 lakh crore. It has become one of the largest pension schemes in the world.

How was the processing so fast this time?

EPFO ​​took several technical and administrative steps to add interest faster this time. UAN, bank and employer records were better linked, which made the process easier. The work was done faster with automation and more staff. Also, manual processing was reduced with automated tools. All employers were given a deadline to update the records by the end of March, which ensured accuracy and timely information. Daily work was being monitored through a live dashboard.

What are the benefits to EPF account holders?

Faster Passbook Update – Now account holders can check their interest faster than ever before.

Financial planning made easy – Getting quick information about interest is useful for tax planning, investing, or taking out a loan.

Increased trust – People’s trust is increasing due to the fast service of EPFO. This is making people’s money safe and the service transparent.

How to check EPF interest?

1. Through the website

Visit epfindia.gov.in.

Click on View Passbook.

Login with UAN and password.

Check the interest information in the passbook.

2. Via mobile app

Download the UMANG app.

Go to EPFO ​​service and view passbook.

3. Through a missed call

Give a missed call to 011-22901406 from your registered mobile.

The balance will be received via SMS.

What to do if interest is not credited to EPF account?

Contact EPFO ​​helpline 1800118005.

Or talk to your company’s HR or payroll department. Sometimes there are delays due to data not being uploaded.

Go to EPFO ​​service and check your passbook.

Via SMS

Give a missed call to 011-22901406 from your registered mobile.

The balance will be received via SMS.

What to do if interest is not credited to your EPF account?

Contact EPFO ​​helpline 1800118005.

Or talk to your company’s HR or payroll department. Sometimes there is a delay due to data not being uploaded.

The post EPFO: Govt has deposited interest money in 32.39 crore accounts of the country, check your account immediately! first appeared on Rightsofemployees.com.

The new EPFO ​​rule will help EPF members to get more interest amount at the time of EPF claim settlement and faster claim settlement. According to the news of Economic Times, during the meeting of the Central Board of Trustees (CBT), the CBT approved an important amendment in paragraph 60 (2) (B) of the EPF Scheme, 1952.

What is the provision now and what will change

As per the existing provisions, for claims settled by the 24th of the month, interest is paid only till the end of the previous month. Now, interest will be paid to the member till the date of settlement. This will provide financial benefits to the members and reduce complaints. According to the news, till now, if the settlement was not done by the 24th of the month, there was further delay in settlement of the claim. After this decision, now these claims will be processed throughout the month, which will reduce pending cases, timely settlement and optimal utilization of resources. This reflects EPFO’s commitment to efficient, transparent and member-centric service delivery.

What is the new rule on PF claim settlement?

According to the news, after the new provision, interest on EPF balance will be available till the date of settlement of EPF claim. Experts say that under the earlier rule, if a claim was settled by the 24th of the month, interest was paid only till the end of the previous month, due to which members lost interest for the days between the beginning of the current month and the date of settlement. Now after the new amendment, interest will be available till the actual settlement date.

When will the new EPF claim settlement rule be implemented?

Experts say that it is worth noting that the official notification for amendment in paragraph 60(2)(B) has not been issued yet. The new rules for EPF claim settlement will come into effect only after the notification is issued by the government. That is, till then the existing/old rules for EPF interest payment will remain applicable.

The post EPFO ​​changed the rules, PF claim is now easy, interest will also be higher, know the details first appeared on Rightsofemployees.com.

The government has approved an interest rate of 8.25 percent on the Employees Provident Fund (EPF) for the financial year 2024-25. This decision will benefit more than seven crore EPFO ​​​​shareholders across the country, in whose accounts this interest rate will be credited in the coming months.

This interest rate was decided by the Employees’ Provident Fund Organization (EPFO) in the 237th meeting of the Central Board of Trustees held on 28 February 2024. The meeting was chaired by Union Labor and Employment Minister Mansukh Mandaviya. In this meeting, it was decided that the interest rate for the financial year 2024-25 will be retained at 8.25 percent, which is equal to the rate given in the last financial year 2023-24.

Labor Ministry gave information

To finalize the interest rate, it was sent to the Finance Ministry for approval, which has now received formal approval. The Labor Ministry has informed EPFO ​​in this regard on Thursday, after which EPFO ​​will start the process of depositing interest in the accounts of the subscribers.

Compared to previous years, the interest rate on EPF was 8.15 percent in the financial year 2022-23, while in 2021-22 it was reduced to 8.1 percent, which was the lowest level in more than four decades. Earlier in 2020-21, the interest rate was 8.5 percent.

Why was this decision taken?

Regarding stability in interest rates, experts believe that this decision has been taken keeping in mind the economic stability and financial balance of EPFO. This will maintain the trust of employees in the provident fund and will ensure security after retirement. The consistency in EPF interest rate makes it clear that both the government and EPFO ​​are committed to providing balanced and sustainable returns. This decision is a relief news for millions of employees, especially at a time when the demand for assured and safe returns on investment is high.

The post Govt approves 8.25% interest rate on EPF, seven crore shareholders will get benefit first appeared on Rightsofemployees.com.

EPFO has given a big relief to government employees. Actually, EPFO ​​has extended the last date for activating Universal Account Number (UAN) and linking Aadhaar number to bank account for government employees from 30 May to 30 June 2025.

UAN or Universal Account Number is a 12 digit unique number, with the help of which the employee’s contribution to EPFO ​​is tracked and managed. If your UAN is not active, you cannot access your EPFO ​​account. Also, you cannot transfer funds. No matter how many companies you change, your UAN always remains the same.

Activating UAN is necessary to avail online services offered by EPFO, such as online money withdrawal, balance check and contact details update. Additionally, Aadhaar seeding is required to transfer EPF amount directly to the linked bank account.

The Employment Linked Incentive Scheme (ELI) scheme was introduced by the government in the 2024 budget, in which employers are encouraged to create new jobs in the formal sector. Under this scheme, new employees are given financial assistance when they register with EPFO.

To activate UAN, you will have to go to the EPFO ​​member portal, where you will have to go to the Important Links section and click on Activate UAN. In this, you will have to provide some important information like DOB, Aadhar card.

After completing all these processes, you will get an OTP option, on clicking which, OTP will be sent to the registered mobile number. On filling it, your UAN will be activated.

The post EPFO gives relief to govt employees, they can do this work related to UAN till 30 June first appeared on Rightsofemployees.com.

EPFO, working under the supervision of the Ministry of Labor and Employment of the Government of India, is going to introduce EPFO ​​3.0 in June, under which employees will get this facility. Here we will know how employees will be able to withdraw money from their PF account through ATM.

How to withdraw PF money from ATM

Under EPFO ​​3.0, employees will be given a special withdrawal card. These cards will be like ATM cards, which will be linked to your PF account. Through this card, you will be able to withdraw money from your PF account by going to any ATM. But it is very important to keep some things in mind here. Let us tell you that money can be withdrawn from the PF account only under certain circumstances. According to these circumstances, it will be decided how much money you can withdraw from your account. According to the rules of EPFO, under different circumstances, you can withdraw up to 50 to 90 percent of the total amount deposited in your account.

What to do to withdraw money from PF account

To withdraw money from PF account, you first have to go to EPFO ​​website and apply for claim for withdrawal. Let us tell you that now 90 percent of claims in the system are automated and the settlement process is completed in maximum 3 days. After the settlement process is completed, you can withdraw money from ATM. Keep in mind that to withdraw money from PF account, your UAN, mobile number linked to UAN should be active. Along with this, all the details of your bank should be correct in your EPFO ​​account.

The post How to withdraw PF money from ATM, new rule is going to start from June first appeared on Rightsofemployees.com.

Let’s know what changes are going to happen related to EPFO.

Changes under EPFO ​​3.0

• EPFO is going to launch EPFO ​​3.0 digital platform this month. Under this, there is a plan to improve the facilities provided by EPFO.
• According to this change, all beneficiaries will be able to withdraw money received under PF through ATM.
• You will now be able to get all the information about your account from home. Which means you don’t need to go to the offices. Nor will you have to wait in line for the process from getting the form to submitting it.
• You will be able to receive PF money not only through ATM but also through UPI (Unified Payment Interface).
• This service may also be launched for both GPF (General Provident Fund) and PPF (Public Provident Fund) in the future.
• Under EPFO ​​3.0, all beneficiaries will be able to update their UAN number, name, date of birth, etc. online. You will not need any other documents to update all these details.
• Now pensioners will be able to withdraw their pension amount from any bank in the country.
• Along with this, the need to upload photos of bank passbooks and checkbooks will also be eliminated now.
• If a person changes jobs or transfers PF, then the employer will not be required for this.

The post EPFO 3.0 will start in June, know what changes will be there; See Details first appeared on Rightsofemployees.com.

The purpose of launching the new system is to make the access of facilities easier and better to the members. After the launch of EPFO ​​3.0 system, EPFO ​​users will also be able to withdraw PF funds from ATM and UPI. Apart from this, many facilities like account correction, auto-claim settlement and grievance redressal will be available digitally.

When will the facility be launched

In fact, Union Labor and Employment Minister Mansukh Mandaviya has already said that the EPFO ​​3.0 platform will be launched between May and June 2025. The purpose of this new system is to provide better and faster services to more than 9 crore EPF account holders. In such a situation, there is every possibility of its launch in the month of June.

Know how much money you can withdraw

At present, it takes about 10 to 15 days for members to withdraw PF funds. However, after the introduction of ATM and UPI facility, this will be a matter of minutes. However, only up to Rs 1 lakh can be withdrawn through ATM and UPI. This will save employees from going through a long process and will also save time. Apart from this, efforts have also been made to speed up the process of claim settlement under the new system. Now many types of claims will be settled automatically, which will reduce dependence on manual process.

EPFO will issue withdrawal card

The Employees Provident Fund Organization will issue EPF withdrawal card to the employees to provide ATM withdrawal facility. Through this card, they will be able to avail facilities like balance check, cash withdrawal just like debit card and credit card.

You will be able to easily correct your account details

At the same time, under the EPFO ​​3.0 system, members will be able to immediately correct the errors in their accounts through online medium. This includes the employee’s name, date of birth, mobile number, permanent address. There will be a facility of OTP verification for this. Due to which the need to fill the old form will be eliminated. Apart from this, EPFO ​​is also improving its complaint system under the new system. In such a situation, now the complaints can be resolved as soon as possible.

The post EPFO ​​3.0 System: Now you can withdraw PF money from ATM, UPI, EPFO ​​3.0 facility will be launched in June first appeared on Rightsofemployees.com.

The Employees Provident Fund Organisation (EPFO) is going to launch its new platform EPFO ​​​​3.0 very soon. EPFO ​​​​3.0 will have a strong IT platform, which aims to make bank-like services accessible to the members. Union Labor and Employment Minister Mansukh Mandaviya said last month that this new system will be operational between May and June 2025.

The minister has said that EPFO ​​​​3.0 will be a reliable platform, which will give many new facilities to more than 9 crore subscribers without any hassle. Such as automation settlement of your claim, correcting mistakes digitally and most importantly, the facility of withdrawing funds directly from the ATM. The biggest advantage will be that now members will be able to withdraw EPF money from ATM like a bank account.

So let us know what new changes are going to happen in EPFO ​​3.0:

1. PF withdrawal process will be much easier and faster: Now claims will be settled automatically, there will be no need for manual work.

The post EPFO 3.0 is coming, these 5 rules related to PF will change first appeared on Rightsofemployees.com.

If your EPF account comes under an Exempted Trust, then the process of giving interest at the same rate will be started there too. Let us know how much interest will you get on EPF? When will this interest be visible in your account? Do you lose interest due to delay in this or not?

How much interest will you get on EPF?

As per Para 60 of the EPF Scheme (Employees Provident Fund) 1952, EPF interest is calculated on the running balance of every month and is credited to the account at the end of the year.

Suppose the total balance in your EPF account on 1 April 2024 is Rs 5 lakh. Your basic salary is Rs 60,000 per month. You deposit 12% of your salary every month i.e. Rs 7,200. Your employer also deposits Rs 7,200. But out of this amount of the employer, 8.67% goes to EPS (Employee Pension Scheme), which is a maximum of Rs 1,250. The remaining balance comes into your EPF account.

In this way, in the whole year, your contribution to EPF will be Rs 86,400 (7,200 × 12) and the employer’s contribution will be Rs 71,400 (excluding Employee Pension Scheme contribution). Interest will be calculated on this entire amount and the existing Rs 5 lakh at the beginning of the year at the rate of 8.25% annual interest.

When will EPF interest be credited to the account?

Usually EPF interest is credited at the end of the financial year, but its credit is delayed in the account. Sometimes interest credit is visible only by September or October. Account holders are advised to check the status of their EPF account through the EPF passbook website or UMANG app or SMS.

What is the loss due to delay in EPF interest?

No, delay in credit of EPF interest does not cause any loss to the account holders. Interest is calculated on the average balance of the entire year and the full interest is received even if it is visible after a few months.

How to check EPF balance?

If you are facing problem in logging into EPFO ​​passbook website, you can try these options.

UMANG App

SMS Service

EPFO Helpline Number

Official website of EPFO

This is good news for EPFO ​​account holders that the government has approved the interest rate of 8.25% for 2024-25. Now the account holders just have to wait a bit, the interest will be added to their account soon.

The post EPF Interest Rate 2024-25: Government approves 8.25% interest on EPF, know when will you get the interest? first appeared on Rightsofemployees.com.

Now if there is overlapping i.e. matching of dates in the service period between two jobs, then PF transfer claim will not be rejected just for this reason. EPFO ​​has given this information by issuing a circular on 20 May 2025.

EPFO said this

EPFO observed that many regional offices were rejecting PF transfer claims simply because the service dates in the records of the old and new employer were overlapping. But this often happens for some common and legitimate reasons.

In case of delay in recording the last working day of the old employer.

On joining a new employer early.

In case of typing or managerial error in the records.

Due to these minor reasons, the PF transfer of employees was getting delayed. Now EPFO ​​has clearly stated that if there is any such reason behind the overlapping, then the claim should not be rejected.

What is Overlapping Service Period?

When the date of relieving an employee from the previous organization and the date of joining the new organization coincide or intersect each other, it is called overlapping service period. Often this happens due to technical error or wrong entry of dates. The employee is not at fault in this.

What does the new EPFO ​​rule say?

According to EPFO, if there is overlapping in any transfer claim and if needed, the concerned officer can ask for clarification from the employee, but the claim will not be rejected only due to overlapping. This step has been taken to make the PF claim process easier and faster.

What should employees do?

While changing jobs, keep your joining and relieving letters safe.

Keep the information linked to Aadhaar in your PF account updated.

If any clarification is sought from EPFO, submit the documents immediately.

EPFO has made many changes recently.

EPFO is continuously making the PF process easier. Recently, EPFO ​​has made the process of PF claim easier than before. This includes filing claims through digital means. Now there is no need for a cross cancelled cheque or bank passbook. Also, online claims are being settled faster.

The post EPFO New Rule: Now PF transfer claim will not be rejected due to overlapping service period first appeared on Rightsofemployees.com.

This rate is for the financial year 2024-25. This will benefit 7 crore EPFO ​​​​members. If you have Rs 2 lakh deposited in your PF account, then you will get an interest of Rs 16,500. Earlier on February 28, the Employees’ Provident Fund Organization (EPFO) had decided to retain the interest rate of 8.25 percent on EPF deposits for the financial year 2024-25.

Last time, the interest on PF was increased to 8.25 percent. Earlier, in 2022-23, PF subscribers were given 8.15 percent interest. This time it has been decided to keep it at 8.25 percent.

What is the interest rate on PF in the last 9 years?

• 8.25 percent in the financial year 2024-25
• 8.25 percent in the financial year 2023-24
• 8.15 percent in the financial year 2022-23 8.10
• percent in the financial year 2021-22
• 8.50 percent in the
• financial year 2020-21 8.50 percent in the financial year 2019-20 8.65 percent
• in the financial year 2018-19
• 8.55 percent in the financial year 2017-18
• 8.65 percent in the financial year 2016-17

How to check PF balance

You can easily check your PF (Provident Fund) balance in any of the following ways-

1. Through the UMANG app

• Register and log in to the Umang app.
• Select EPFO ​​services.
• Select the View Passbook option.
• Enter your UAN number and OTP.
• Your account balance will be shown.

2. From EPFO ​​website

• Visit the EPFO ​​website https://www.epfindia.gov.in .
• Click on Services → For Employees → Member Passbook.
• Login with UAN and password.
• Check your balance in your passbook.

3. Through SMS

you have to send this message from your UAN registered mobile number to 7738299899 – EPFOHO UAN HIN

Let us tell you that HIN stands for Hindi (language code, like ENG – English, TAM – Tamil etc.). In response, you will receive an SMS about your PF balance.

The post EPFO Interest Rate: Govt fixes interest rate on PF, how much will 7 crore customers benefit? Check this way first appeared on Rightsofemployees.com.

Both the company and the employee contribute 12% of the basic salary every month to PF. PF can be withdrawn completely at the time of retirement. Not only this, in certain circumstances, partial withdrawal can also be made from the PF fund. The money deposited in PF is tax-free. Today we will tell you when and how partial withdrawal can be made from the PF fund.

All the money deposited in the PF fund can be withdrawn only in two situations. At the time of retirement and on becoming unemployed. If you are unemployed for more than 1 month, you can withdraw 75% of the outstanding amount. After 2 months of unemployment, you can withdraw 100% of the PF balance.

When can we withdraw?

Partial withdrawal can be done only in certain circumstances. To make partial withdrawal from PF, employees will have to fill Form No. 31. To withdraw PF, the employee’s UAN number should be active. Along with this, the mobile number linked by you should also be active. Apart from this, the employee’s Aadhaar card should be added to the EPFO ​​​​account database. Tell us when partial withdrawal from PF can be done.

PF money up to 6 times the monthly basic salary can be withdrawn for medical treatment of the employee, spouse, children or parents in case of illness
. If the contribution + interest is less than 6 months basic salary, then only the available contribution and interest can be withdrawn.

After seven years of service, 50% of the employee’s PF contribution can be withdrawn for marriage. An employee can withdraw money from PF for the marriage of his child, brother or sister .

Education

After seven years of service, an employee can withdraw 50% of his PF contribution for his education or his child’s education. For this withdrawal, it is necessary that the expenses of education after 10th standard are being met.

Construction of a house or purchase of land

For purchasing land, an employee can withdraw up to 24 times the monthly basic salary plus dearness allowance from his PF account. Also, for construction of a house, one can withdraw up to 36 times the monthly basic salary plus dearness allowance. This withdrawal is limited to the actual cost of the land or house. To withdraw money for these works, it is mandatory to work for at least five years.

Money can also be withdrawn from PF before retirement to repay the house loan for home loan repayment

. Up to 36 times the monthly basic salary and dearness allowance or the amount of the home loan including interest, whichever is less, can be withdrawn. But for this, the employee must have been in service for at least 10 years. Partial withdrawal from PF is also possible for house renovation.

The post Illness, studies, marriage… For what purpose can you withdraw money from PF before retirement? first appeared on Rightsofemployees.com.

Partial Withdrawal: If you are employed and you have a good balance in the Employees Provident Fund Organization (EPFO), then you can withdraw some part of it if needed. EPFO ​​​​allows partial withdrawal in cases like buying a house, marriage, illness or children’s education. For this, you have to fulfill some conditions and go through an online process. Let us know how to make partial withdrawal from PF and what things are important to keep in mind for this.

When can I make partial withdrawal?

EPFO members can withdraw money from PF under several circumstances. These include situations like buying a house, illness, marriage, children’s education, factory closure etc. Apart from this, partial withdrawal can also be made for investment in Senior Citizen Pension Insurance Scheme after the age of 54 or one year before retirement after the age of 55.

Conditions required for partial withdrawal

• Your UAN (Universal Account Number) should be active and the mobile number linked to it should be active.
• Your Aadhaar card should be linked with EPFO ​​database and OTP verification should be possible.
• Bank account and IFSC code should be linked with EPFO.
• If the tenure of job is less than 5 years then PAN card should also be linked.
• Date of joining should be present in the EPFO ​​records.

Process of online application

For partial withdrawal from EPFO, first you have to go to the EPFO ​​website and login with your UAN and password. After this, you have to check your KYC and service details to ensure that all the information is correct and complete. After login, go to the claim option and select Form 31, which is for partial withdrawal. In the last step, verification has to be done with the OTP received on the mobile number linked to UIDAI and then the claim has to be submitted.

The post EPFO: How to apply for partial withdrawal? A step-by-step guide first appeared on Rightsofemployees.com.

Let us know what problems you may face if you have not transferred PF after changing jobs and what is the right solution for it.

There may be loss on EPF interest

The post PF Transfer: Did you not transfer your PF after changing jobs? You may face these 5 big problems first appeared on Rightsofemployees.com.

1. Updating profile has become very easy

EPFO has now made the process of updating the profile very simple. If your Universal Account Number (UAN) is linked to Aadhaar, then now you can update your name, date of birth, gender, nationality, parents’ name, marital status, spouse’s name and date of starting the job online without any documents.

2. PF transfer is now easier

Earlier, transferring PF while changing jobs was a long and sometimes troublesome process. Work could not be done without the approval of the company. But now this process has been made quite easy. Now in most cases, approval of the old or new employer is not required for PF transfer. This makes the PF money transferred to the new account quickly and easily.

3. Joint declaration made easy

EPFO has made the joint declaration process digital. If your UAN is linked to Aadhaar or Aadhaar is already verified then you can submit the joint declaration online.

4. CPPS system introduced

EPFO has started the Centralized Pension Payment System (CPPS). Under this, now pension will be sent directly to any bank account through NPCI platform. Earlier, for pension payment, PPO (Pension Payment Order) had to be transferred from one regional office to another, which caused delay.

5. The process of pension on salary became clear

For those employees who want to take pension on their higher salary, EPFO ​​has now clarified the entire process. Now a uniform method will be adopted for everyone. If an employee’s salary is more than the prescribed limit and he wants pension on it, then he can get this facility by paying additional contribution.

The post EPFO made these 5 big changes for PF account holders. Key major changes details first appeared on Rightsofemployees.com.

Employee Provident Fund is a government scheme, in which both the employee and the employer contribute every month. This scheme determines the savings for the employee’s retirement. The EPF scheme is run by the EPFO. The entire money deposited in EPF is received along with interest at the time of retirement. However, if needed, employees can also withdraw this money partially or fully. If you want to withdraw PF online, then follow these easy steps.

What to do to withdraw PF?

Your UAN (Universal Account Number) should be active and linked to Aadhaar, PAN (if you are withdrawing more than Rs 50,000 before 5 years) and bank account.

Your KYC (Know Your Customer) should be verified on the EPFO ​​portal.

Steps to withdraw PF online

Step 1: Visit the EPFO ​​member portal website.

Step 2: Log in with your UAN and password. Enter the captcha and click on Sign In.

Step 3: Go to Manage > KYC and check if your Aadhaar, PAN and bank details are verified or not.

Step 4: Go to the Online Services tab and click on Claim (Form-31, 19, 10C & 10D).

Step 5: Verify bank details. Your account number will be displayed, enter it again and click on Verify.

Step 6: Select the type of claim

Form 19: To withdraw full PF.

Form 10C: For withdrawing pension.

Form 31: For withdrawing advance (for reasons like medical, marriage, studies etc.).

Step 7: Fill the required information and upload the required documents (like medical bills etc.).

Step 8: Click on Submit. You will get an acknowledgement, save it for future reference.

how long will it take?

After withdrawing PF, the money usually reaches your bank account within 5 to 20 working days.

The post EPFO: How to withdraw PF money online? A step-by-step guide first appeared on Rightsofemployees.com.

The Employees’ Provident Fund Organization (EPFO) has recently made many important changes in its functioning. Its aim is to make the process faster, simpler and digital for Provident Fund (PF) account holders. These changes are not only technologically advanced, but are also directly benefiting millions of employees. Let us know the 7 major changes of EPFO ​​​​which were implemented in recent months.

1. Form 13 process for PF transfer simplified

EPFO has simplified the process of Form 13 from January 2025. Now in most cases, employer approval is not required. This will make PF transfer faster. Automatic merger of old and new PF accounts has also become possible. Also, clarity on the taxable and non-taxable part of the PF amount will also make the calculation of TDS accurate.

2. UAN activation through Aadhaar face authentication

EPFO has introduced the facility to generate and activate UAN through UMANG app by implementing Aadhaar based face authentication technology. This is especially beneficial for those 70% members who have not been able to activate UAN till now.

3. Employer approval requirement for bank account linking is abolished

Now PF account holders can link their bank account to UAN directly through NPCI/Bank. Earlier this process required the approval of the employer, which took an average of 16 days. This hurdle has now been removed.

4. No need to upload check leaf or passbook

Now, members need not upload the image of cheque leaf or bank passbook while filing online claim, provided their bank account is verified through NPCI.

5. PF advance will be available for home repair through self-declaration

Under Para 68B(7) of the EPF Scheme 1952, now members can take PF advance for repairs only on the basis of self-declaration after 5 years of construction of the house. However, this facility will be available only if it is not linked to the housing advance taken earlier.

6. Facility of UAN generation in bulk without linking Aadhaar

EPFO has implemented a new system through which employers can generate UAN even for those employees whose Aadhaar is not linked. This facility has been provided especially in those cases where old PF contributions are now being merged into EPFO.

7. One-time payment of dues is now possible through demand draft also

EPFO has allowed one-time payment of old dues through demand draft in cases where payment through electronic challan is not possible. This facility will be given only under special circumstances on the satisfaction of the regional officer.

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Although lakhs of people invest in it, a question that often comes up is whether a person can have more than one PPF account in his name?

What do the government rules say? Know important information and new updates related to PPF account in this news—

Can a person have two PPF accounts?

According to the government rules, any person can open only one PPF account in his name . Even if you try to open the account in different banks or post offices, this rule applies everywhere.

If someone opens another account in his name by mistake, it will be considered invalid. In such a case, the amount deposited in that account will be returned to you, but no interest will be given on it.

Can I open a PPF account in the name of children?

Yes, you can open a PPF account in the name of a minor child. This account is operated by the guardian (parent or legal guardian). However, there is a necessary limit with this facility.

A maximum of ₹1.5 lakh can be deposited in a financial year in both parent and child accounts combined.

For example:

If you have deposited ₹1 lakh in your account, then in the same year you can deposit only ₹50,000 in your child’s PPF account.

You will not get a joint account, if you open two accounts then you will not get any interest
Investors need to be cautious about the new rules regarding Public Provident Fund (PPF). This scheme is completely individual, that is, you cannot open a joint account with anyone in it – neither with your spouse nor with your child.

As per the government guidelines, a PPF account can be opened only in the name of one person.
This rule is so strict that even a joint account between husband-wife or parent-child is not valid.

If a PPF account is opened in the name of a minor child, only the child’s name is registered as the account holder. The guardian only operates the account—but the account will be considered in the name of the child only.

Opened a second PPF account by mistake? Don’t panic, do this important work immediately
If you have accidentally opened two PPF accounts, there is no need to panic-but it is very important to take the right steps at the right time.

According to government rules, only one PPF account is valid in the name of a person. If for some reason you have opened another account—be it in another bank or post office—it will be considered a violation of the rules.

What to do if a mistake has been made?

• First of all, go to the bank or post office where the second account is opened and inform them immediately.
• If necessary, you can also contact the Finance Ministry.
• Usually in such a situation the other account is closed and the money deposited in it is returned to you.
• But keep in mind—you won’t earn any interest on the money deposited in the second account.

Why is PPF so popular?

• This is a government scheme, which gives guaranteed returns.
• Investments can be made from ₹500 to ₹1.5 lakh annually.
• The interest rate is currently 7.10% per annum (for FY 2024-25).
• The entire amount of investment, interest and maturity is tax free (EEE status).

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The Public Provident Fund (PPF) scheme is the best. Any citizen of India can invest in it. The biggest thing is that the benefits received in it remain everyone’s choice. The benefits of investing in PPF are told by the banks and post offices themselves. Good interest (PPF Interest), tax free investment, the money received on maturity (PPF Maturity) is completely yours. It is an excellent tool from the investment point of view. The maturity period is 15 years. But, you can give extension to the investment even after 15 years. If you give extension, then your return will become rocket and the initial investment of Rs 5000 will become more than 26 lakhs.

PPF: These 3 tricks can make you rich

At the time of maturity, you get 3 options. It is very important to understand these 3 options. First, withdraw your money after maturity. Second, even if you do not withdraw, you will keep getting interest. Third, you can give an extension for 5 years with new investment. Let’s understand how and what to do.

1. Withdraw the entire money on maturity

Withdraw the amount deposited by you and the interest on the maturity of the PPF account. In case of account closure, the entire amount will be transferred to your account. The money and interest received on maturity will be completely tax free. Apart from this, income tax exemption is available on investment up to 1.5 lakh every year. You will not have to pay any tax on whatever money you have deposited during the entire tenure.

2. Increase PPF investment for 5 years

The second option is to increase the investment after maturity. The scheme gives the option of account extension in tenures of 5 years each. However, if you want an extension for the next 5 years, you will have to inform the bank or post office 1 year before the maturity of the PPF account. The good thing is that the rule of pre-mature withdrawal does not apply at the time of extension and you can withdraw money anytime.

3. Extend the scheme without investment even after maturity

The third option in PPF account, even if you do not choose both the above options, the account will continue after maturity. There will be no need for new investment in this. The maturity will automatically increase for 5 years. But, the biggest advantage will be that you will continue to get interest on the deposited amount during this entire period. After this, it can be extended again in the same way after completion of 5 years.

Where can you open a PPF account?

PPF account can be opened in any government or private bank. Apart from this, you can also open an account in any post office branch of your city. There is also an option to open an account for a minor. However, the parents’ holding on behalf of the minor remains for 18 years. According to the rules of the Finance Ministry, a Hindu Undivided Family (HUF) cannot open a PPF account.

PPF Calculator: How will ₹5000 become 26.63 lakh rupees?

Currently, 7.1% interest is being given in the Public Provident Fund. The interest is calculated annually. But, it is decided on a quarterly basis. There has been no change in its interest rates for a long time. Let us assume that if you invest at the same interest rate for 15 or 20 years, then a large corpus will be created at different amounts. You can see the calculation below.

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What was the rule till now?

Till now, when EPFO ​​members applied online for PF withdrawal, they had to upload a photo of the cancelled cheque or a certified copy of their bank account passbook. Apart from this, the employers also had to digitally verify that bank account.

What has changed now?

EPFO ​​has completely done away with both these processes. Now the bank account is already linked and verified with the Universal Account Number (UAN), so no additional documents are required. This will not only reduce the chances of claim rejection but will also reduce complaints due to bad or unclear files uploaded.

Changes possible through pilot project

This exemption was first introduced as a pilot project for some KYC-verified members on May 28, 2024. So far, 1.7 crore members have benefited from it. After successful testing, this facility has now been implemented for all EPF members.

Claim settlement will be faster

EPFO ​​has 7.74 crore active members, out of which 4.83 crore have already linked their bank accounts with UAN. Along with this, bank accounts of about 14.95 lakh members are still pending with their employers. Now since the approval of the employer is not required, these members will get immediate relief and the claim process will be faster.

Changing bank accounts will also be easy.

Members who want to change their previously linked bank accounts will now be able to enter the new account number and IFSC code and verify it with an Aadhaar-based OTP. This will not only make the claim process easier. In fact, long-pending bank accounts will also get approved soon.

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If you are investing in Public Provident Fund (PPF), then there is good news for you. Union Finance Minister Nirmala Sitharaman announced on Thursday that there will be no charge for adding or changing a nominee in a PPF account. The government has made the necessary changes by issuing a notification on April 2, 2025.

Nirmala Sitharaman posted on social media platform Twitter that it has recently been noticed that some financial institutions are charging fees for adding nominee details. The nominee has a legal right over the funds of the original account holder. Therefore, the government has amended the ‘Government Savings Promotion General Rules 2018’ and abolished this fee system.

According to a government notification, the fee of Rs 50 charged for changing or cancelling a nominee under the Small Savings Scheme has now been completely waived. The Finance Minister said that under the recently passed Banking Reforms Bill 2025, a maximum of 4 nominees can be appointed for deposited money, assets in lockers or other important items.

Recently was informed that a fee was being levied by financial institutions for updating/modifying nominee details in PPF accounts.

Necessary changes are now made in the Government Savings Promotion General Rules 2018 via Gazette Notification 02/4/25 to remove any charges on… pic.twitter.com/Hi33SbLN4E

— Nirmala Sitharaman (@nsitharaman) April 3, 2025

How to update nominee details in PPF account?

You can update the nominee details in your PPF account by filling Form-10. This process can be done both online and offline. Some banks like SBI, HDFC and ICICI offer this facility through internet banking.

Procedure for updating nominee online:

• Login to your bank’s internet banking portal.
• Go to the PPF account section.
• Click on the option “Nominee Update” or “Modify Nomination”.
• Fill in the information of the new nominee (name, relationship, date of birth, etc.).
• Authenticate the process through OTP or login credentials.
• Submit your request and save the acknowledgement.

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Labor and Employment Ministry Secretary Sumita Dawra said on Monday that UPI is being integrated in the processing of claims. Once the UPI integration process is completed, the money will come to the claimant’s account with one click. Talking about this, Dawra said that currently EPFO ​​has around 7.5 crore active members who are maintaining their PF accounts and also putting money in the pension fund. The Labor Secretary emphasized that EPFO ​​has established a centralized database for the first time. He said, ‘Our next step is to connect UPI to the system. We have received suggestions from the National Payments Corporation of India (NPCI) and we have sent the proposal of UPI integration to EPFO ​​for consideration.’

EPFO has taken several steps

Dawra said that EPFO ​​is moving fast from digitization to automation for the convenience of members and many major works have been completed. He said, ‘We have done a lot of work in this regard. Claims up to Rs 1 lakh have been automated. At the same time, customers have also been given the facility to correct mistakes themselves. Also, unnecessary processes have also been removed. Apart from these, we have integrated the database due to which the claim processing time has come down to just three days.’

Our next step is to integrate UPI into the system. We have received suggestions
 from the National Payments Corporation of India (NPCI) and have sent the
 proposal for UPI integration to EPFO ​​for its consideration. -Sumita Dawra, 
Secretary, Ministry of Employment and Labour

Claim disbursal from UPI expected to start by June

Regarding UPI integration, he expressed hope that UPI payments will start by June. Dwara said that after necessary testing, by the end of May, EPFO ​​will be able to use UPI for disbursement of claims. This will benefit all members as they will be able to see EPFO ​​accounts on the UPI interface itself and will be able to make auto claims from there. If the members meet the criteria, their claim approval process will also be completed quickly. This will ensure immediate transfer of money to their accounts. Dwara said that it will take two to three weeks for the centralized database to be up and running. After that, the work of UPI integration will begin.

The Ministry of Labor and Employment is also engaged in making arrangements to ensure that pension money is easily available. Dawra said, ‘There are currently 78 lakh pensioners in EPFO. Earlier, pension money was given only through a few banks. Last year, we sought advice from the Reserve Bank (RBI) and now we have implemented the centralized pension system. Now people are withdrawing pension from any bank.’

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Under this, even those employees who had recently joined the job and died within one year of service will get insurance benefits. This is aimed at strengthening financial protection for the families of deceased EPF members. These changes, announced in a meeting on February 28, 2025, are expected to benefit thousands of families every year by increasing insurance payouts and expanding coverage.

These decisions were taken in the meeting of the Central Board of Trustees (CBT). This meeting was chaired by Union Labour Minister Mansukh Mandaviya. Along with this, an annual interest rate of 8.25% has also been recommended for EPF account holders. These changes will directly benefit lakhs of employees and their families.

Now those working for a short period of time will also get benefits.

Earlier, if an employee died before completing one year of service, his family did not get any insurance benefit. However, now this rule has been changed. Now if an employee dies before one year, his family will get an insurance of Rs 50,000. This decision will benefit more than 5,000 families every year.

Let us tell you that the Employees’ Provident Fund (EPF) includes Employee Deposit Linked Insurance (EDLI), which acts as an important social security benefit. This program provides financial assistance to the dependents of EPF members in the event of their unfortunate death during their employment.

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EPF members can now update their personal details such as name, date of birth, gender, nationality, parents’ name, marital status, spouse’s name, date of joining and date of leaving the job without any documents, provided their UAN is verified with Aadhaar.

Delays up to 28 days will end

Earlier, members had to seek approval from their employer to update their profile, which resulted in a delay of up to 28 days.

According to a statement from the EPFO, “About 45% of the total 8 lakh correction requests received by the EPFO ​​through employers in the financial year 2024-25 can now be approved by the members themselves, without the approval of the employer or the EPFO.”

However, if the UAN was issued before October 1, 2017, any update in the profile will require employer’s approval.

It is mandatory for members to link their Aadhaar and PAN to make any updates or withdrawals in their EPF account. If there is any mismatch between EPF details and Aadhaar, the approval may get delayed. Resolving such mismatches may take a few weeks depending on the approval of the employer and the EPFO.

What is UAN?

UAN is a 12-digit number that helps in managing the Provident Fund account. It is mandatory to activate UAN and link the bank account with Aadhaar to avail the Employment Linked Incentive (ELI) scheme run by the EPFO.

EPFO had posted on its X (formerly Twitter) account, “Linking of Aadhaar with bank account is mandatory to avail ELI scheme. This scheme is focused on increasing employment in the country. Do it on time to avoid last minute hassle!”

How to update EPF profile?

Step 1: Visit the official website of EPFO ​​(http://www.epfindia.gov.in).

Step 2: Log in by entering UAN number, password and captcha.

Step 3: Select the ‘Manage’ option at the top of the menu.

Step 4: Click on ‘Modify Basic Details’ option.

Step 5: Enter personal details as per your Aadhaar card and submit.

Step 6: Track the profile updation process using the ‘Track Request’ option.

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The post EPFO Rule Change: No documents required to change name, date of birth in EPF account first appeared on Rightsofemployees.com.

The government can give a big shock to crores of members of EPFO ​​(Employee Provident Fund Organisation). The government can make a big announcement on Friday regarding the interest rate on EPFO. It is believed that the Central Board of Trustees of EPFO ​​can cut the interest on the money deposited in PF (Provident Fund). This can happen because the stock markets and bond yields have fallen, as well as EPFO ​​is facing more claim settlement.

Considering these reasons, the Central Board of Trustees of EPFO ​​may consider reducing the interest rate for the financial year 2024-25, which will affect the retirement savings of about 300 million (30 crore) EPFO ​​members.

The decision on interest rate will be taken tomorrow (28 February)

The board of EPFO ​​will meet on 28 February 2025 to decide on the interest rate on EPF (Employee Provident Fund). In this meeting, a big decision can be taken on the interest rate on the money deposited in EPF this year, which will directly affect the savings of crores of EPFO ​​members. Last year, the government increased the interest rate on EPF from 8.15 percent to 8.25 percent, but now it is believed that this time the interest rate may be reduced.

Why might interest rates be reduced?

According to a Business Standard report, the EPFO’s investment committee held a meeting last week to discuss the status of EPFO’s income and expenditure. Its purpose was to recommend the interest rate. According to the report, this time the interest rate may be lower than last year. The main reason for this is that bond yields have fallen in recent months. If the government announces a higher interest rate, the EPFO ​​will not have much money left for the retirement fund, as the retirement fund will not have excessive surplus.

Increasing demand for claim settlement

Apart from this, the demand for claim settlement has also increased significantly. The number of claim settlements done by EPFO ​​is increasing, leaving less pool (resources) for the interest to be received on the money deposited for EPF this year. As of January 2024, EPFO ​​has processed more than 5.08 million (50 lakh) claims worth ₹ 2.05 trillion (Rs 2.05 lakh crore). At the same time, more than 44.5 million (45 lakh) claims worth ₹ 1.82 trillion (Rs 1.82 lakh crore) were settled in 2023-24. Due to this increasing demand for claim settlement, EPFO ​​is facing a lot of pressure, which may affect the interest rate.

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The post EPF Interest Rate: Big news…! Government may announce a cut in PF interest rates, Know the reason here first appeared on Rightsofemployees.com.

The Employees Provident Fund Organization (EPFO) takes full care of the facilities of PF customers. A special service related to this can be started, which will benefit crores of PF customers of the country. Now PF customers will be able to claim PF through Unified Payments Interface (UPI).

The new system of EPFO ​​will allow fund transfer to the linked UPI ID of PF customers. According to reports, EPFO ​​has already prepared a blueprint for UPI integration and is expected to implement this facility within the next 2 to 3 months.

According to reports, EPFO ​​is in discussion with the National Payments Corporation of India (NPCI) to integrate PF withdrawal with the UPI platform. With this, PF customers can get their PF amount instantly from digital payment apps like PhonePe, GooglePay, Paytm and Bhim App.

You will be able to withdraw your PF through ATM card

Apart from UPI transactions, EPFO ​​is also working on enabling PF withdrawal from ATMs.

Who gave the information

In an interview with news agency ANI, Labor Secretary Sumita Dawra has revealed information related to this. Sumita Dawra said that EPFO ​​subscribers will be able to withdraw their PF through ATM by 2025. Along with this, she said that the Ministry of Labor is in the process of upgrading the entire IT services. This will help employees across India registered with EPFO.

According to a report, this system will be implemented across India in May or June next year. It is being said that the central government can remove the limit of 12% on employee contribution to PF. Employees can be given the option to contribute according to their savings and employees will be allowed to deposit an amount above the limit at any time.

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The post New PF withdrawal Rule: You will be able to withdraw your PF amount through ATM card, Check Details first appeared on Rightsofemployees.com.

Hyderabad: There is a great news for PF account holders. Now they will not have to face much trouble to withdraw money from PF account. Rather, now they can withdraw PF money through UPI.

The government is working on making such a system. This facility can be started in the next two to three months.

According to sources, EPFO ​​is taking this step for the convenience of its subscribers. With the integration of EPF with UPI, subscribers can withdraw money from their PF account through a digital wallet. The Labor Ministry is making changes in the digital systems of EPFO ​​​​in collaboration with commercial banks and RBI. Its purpose is to simplify the withdrawal process and improve user experience. Experts say that this facility will be very convenient for members living in remote areas.

What is in the new system?

It is said that EPFO ​​is taking such a step for its account holders. At the same time, the government is working on such a system in which EPFO ​​account holders will be able to process their claims through UPI. As a result, the process of transferring funds will become easier as well as faster. According to the report of Financial Express, EPFO ​​has prepared a blueprint for this and discussions are going on with the National Payment Corporation of India (NPCI).

How will subscribers get benefits?

The post PF Withdrawal through UPI: PF money can be withdrawn through UPI, when will the facility start? first appeared on Rightsofemployees.com.

However, the report also claims that EPFO ​​has already prepared a plan and is in discussion with National Payments Corporation of India (NPCI) to launch this facility on UPI platform in the next 2-3 months. EPFO’s association with UPI will not only improve operations but will also solve the problem of fund transfer for more than 7 crore members of EPFO.

What will be the benefit after connecting to UPI?

In other words, by linking EPF to UPI, the government’s target is to simplify financial transactions, so that there is no problem in the claim process. Financial Express report says that once registered, customers can easily receive the claim amount through digital wallet. This will reduce the processing time and provide a better experience to the users.

The Ministry of Labor is upgrading the digital system of EPFO ​​in collaboration with the Reserve Bank of India (RBI) and commercial banks. This step will simplify the withdrawal process, reduce delays, reduce paperwork and increase transparency.

So many claims settled so far

It is worth noting that in the last six-seven months, EPFO ​​has implemented several reforms to improve pension service, upgrade its information technology (IT) system and provident fund (PF) claims. In FY 2025, EPFO ​​settled claims of more than 50 million subscribers, the highest settlement ever, and released funds of more than Rs 2.05 lakh crore.

Working on withdrawal from ATMs too

In FY 2024, EPFO ​​settled 44.5 million claims, amounting to Rs 1.82 lakh crore. Apart from this, auto claim settlement within three days increased to 18.7 million in FY 2025, from 8.95 million in FY 2024. Let us tell you that some time ago it was also reported that EPFO ​​is working on PF amount withdrawal from ATM. This can be rolled out from the new financial year.

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The post PF claim New System: EPFO to roll out UPI based PF claim withdrawals within three Months – Key Details Inside first appeared on Rightsofemployees.com.

With this step, PF account holders will be able to get fixed interest every year and they will get relief from market fluctuations. To prepare this fund, officials of the Ministry of Labor and Employment and EPFO ​​are studying internally.

A fixed portion is invested in the market

Actually, a fixed part of the PF fund is invested in the market by EPFO. Many times EPFO ​​gets less returns on Exchange Traded Fund (ETF) and other investments. EPFO ​​members also have to bear the brunt of this. When there is a decline in the stock market, it also affects the amount received on EPFO’s investment. Due to low returns, EPFO ​​also has to reduce the interest rate of PF.

To avoid such problems, EPFO ​​is considering creating a reserve fund that will keep the return on investment stable. This will enable PF account holders to get fixed interest every year, no matter what the market conditions are.

How will this fund work?

According to the news published in Hindustan website, EPFO ​​will keep aside a part of the interest earned every year under this scheme and deposit it in the reserve fund. Whenever there is a fall in the market and the return from investment is low, then the interest rate will be kept stable by using this fund. More than seven crore members of EPFO ​​will benefit from this.

When will the decision be taken?

Right now the scheme is in the initial stage. Officials of the Ministry of Labor and Employment and EPFO ​​​​are studying it. A final decision can be taken on this in the next four to six months. Let us tell you that when EPFO ​​​​was started in 1952-53, at that time only 3% interest was available on PF. By 1989-90 it increased to 12%, which remained till the year 2000-01. After this, there were changes in it from time to time. Currently, the interest of EPFO ​​​​in 2023-24 is 8.25%.

Important meeting will be held on 28 February

The Central Board of Trustees (CBT) of EPFO ​​will meet on 28 February to decide the PF interest rate for the financial year 2024-25. There may be a discussion on keeping the interest rate stable or increasing it marginally. However, the possibility of reduction in interest rates is being said to be very low.

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The post PF Fixed Rate: Good news! PF account holders will get fixed interest on PF account, check Details first appeared on Rightsofemployees.com.

The Investment Finance and Audit Committee of the Employee Provident Fund Organization is going to meet next week in which the income and expenditure of EPFO ​​for the current financial year 2024-25 will be considered. In this meeting, it will be decided how much interest should be given on the Employee Provident Fund and then the final seal on the interest rate will be put in the meeting of the Central Board of Trustees to be chaired by Labor and Employment Minister Mansukh Mandaviya. After the interest rate is decided in the meeting of the Central Board of Trustees, it will be sent to the Finance Ministry for approval.

For the financial year 2023-24, EPF account holders got interest at the rate of 8.25 percent, 8.15 percent in 2022-23 and 8.10 percent in 2021-22. It is believed that in the current financial year, EPFO ​​has got a great return on its investment. At the same time, EPFO ​​has created history in the matter of Provident Fund claim settlement. In the financial year 2024-25, the Employee Provident Fund Organization has settled more than 5 crore claims, which is a record. In the financial year 2024-25, EPFO ​​has settled 5.08 crore claims worth Rs 2,05,932.49 crore, which is much more than the 4.45 crore settlement of Rs 1,82,838.28 crore in the financial year 2023-24.

At present, EPFO ​​has more than 7 crore subscribers. For those employed in the organized sector, especially the private sector, the money deposited with EPFO ​​is considered the biggest social security scheme. Every month a fixed portion is deducted from the salary of private sector employees in the name of PF. The employer contributes to PF. Employees can withdraw PF money in case of job loss, building or buying a house, marriage, children’s education or retirement.

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The post EPF Rate Hike: Govt may hike interest rate on Provident Fund For 7 crore Subscribers in CBT meeting first appeared on Rightsofemployees.com.

Employees and companies can link UAN and bank account with Aadhaar till 15 February. Employees will now have to link their UAN and bank account with Aadhaar by 15 February at any cost. This deadline has been extended several times. Earlier its last date was 15 January.

Get this work done before 15 February

EPFO has appealed to all eligible members to complete this process by the new deadline i.e. 15 February. So that there is no hindrance in availing the benefits of the scheme. Linking Aadhaar and bank account is necessary to avail the benefits under this scheme. That is, employees, employers and companies have only 5 days. After the employee’s UAN is activated, he can easily avail the online services of EPFO. This includes managing the PF account, viewing and downloading the passbook, applying online for withdrawal, advance or transfer.

It is important for EPFO ​​members to keep their UAN number active till February 15, otherwise PF related work may get stuck. This is a 12 digit number, which remains the same even if you change jobs. PF account can be transferred through this number, employees can complete EPFO ​​related work online. Through this, employees can use facilities like PF transfer, balance check, statement download and application for advance online.

How to activate EPFO

Go to the EPFO ​​website and select the “Active UAN” option. Then enter your UAN, mobile number and date of birth. Fill the captcha and click on Get Authorization PIN. Enter the OTP received on the mobile and verify it. After this your UAN will be activated and you will get a user ID and password.

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The post PF Account: Do this work related to EPFO ​​by 15th February, otherwise you will suffer loss later first appeared on Rightsofemployees.com.

Union Minister Mansukh Mandaviya said that the Employee Provident Fund Organization (EPFO) has achieved a historic milestone by settling more than 5 crore claims for the first time. In the financial year 2024-25, EPFO ​​has settled 5.08 crore claims worth Rs 2,05,932.49 crore, which is much more than the 4.45 crore settlements of Rs 1,82,838.28 crore in the financial year 2023-24.

The Labor Minister said, this achievement by EPFO ​​​​has been possible due to the transformational reforms taken in the claim settlement process and resolving grievances. Mansukh Mandaviya said, we have taken steps like increasing the limit and category of auto settlement claim, simplification of changes in member profile, streamlining the process of Provident Fund transfer and improving KYC compliance ratio. Due to these reforms, the efficiency of EPFO ​​has improved significantly.

EPFO Claim Settlements: EPFO ​​(Employees Provident Fund Organisation) has created history in the matter of Provident Fund claim settlement. In the financial year 2024-25, the Employees Provident Fund Organization has settled more than 5 crore claims which is a record. Labor and Employment Minister Mansukh Mandaviya has given this information.

Highest Ever EPFO Claim Settlement in History! 🇮🇳

📌 5 crore+ claims settled in FY 2024-25.

💰 ₹2.05 lakh crore disbursed.

⚡ Auto-claim settlements doubled to 1.87 crore.

🔄 Seamless processes & reduced grievances.

Under the leadership of PM Shri @narendramodi Ji, EPFO… pic.twitter.com/Hq4jNbwYQV

— Dr Mansukh Mandaviya (@mansukhmandviya) February 6, 2025

Union Minister Mansukh Mandaviya said that the Employee Provident Fund Organization (EPFO) has achieved a historic milestone by settling more than 5 crore claims for the first time. In the financial year 2024-25, EPFO ​​has settled 5.08 crore claims worth Rs 2,05,932.49 crore, which is much more than the 4.45 crore settlements of Rs 1,82,838.28 crore in the financial year 2023-24.

The Labor Minister said, this achievement by EPFO ​​​​has been possible due to the transformational reforms taken in the claim settlement process and resolving grievances. Mansukh Mandaviya said, we have taken steps like increasing the limit and category of auto settlement claim, simplification of changes in member profile, streamlining the process of Provident Fund transfer and improving KYC compliance ratio. Due to these reforms, the efficiency of EPFO ​​has improved significantly.

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The post PF Claim Settlements: EPFO Achieves Historic Milestone of Settling Over 5 Crore Claims in FY 2024-25 first appeared on Rightsofemployees.com.

Facility to withdraw PF funds from ATM

EPFO is planning to give employees the option of withdrawing funds 24 hours a day and 7 days a week. The organization can provide the facility of withdrawing funds through ATM to PF holders from this year itself. With the implementation of this new rule, PF subscribers will be able to withdraw money from ATM, which currently takes 7 to 10 days.

Change in employee contribution limit

This year, the organization can also change the limit of contribution to the fund by the employees. Under EPFO, currently, the employee himself contributes 12% of the fund and the company contributes the same amount. The government can increase this limit.

IT systems upgrade

EPFO is upgrading its IT system this year, so that PF holders can easily deposit funds. It is being said that the organization will complete the IT upgrade by June 2025. Along with this, claims can be settled easily due to the system upgrade.

Option to invest in equity

The Employees Provident Fund Organization can give the option of investing in equity to PF holders. With this, PF holders will be able to manage their funds themselves and also get higher returns from there.

Ease of pension withdrawal

Under EPFO, PF fund is known as a retirement fund, from which PF holders get pension after retirement. EPFO ​​is making important changes to make it easier for employees to withdraw pension funds. Now pensioners will be able to withdraw money without any additional banking verification.

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The post PF Account Holders THESE 5 rules may change from This year – Key Details first appeared on Rightsofemployees.com.

Under the new system, there will be a facility to withdraw PF money from a new app and ATM. Union Labor Minister Mansukh Mandaviya has announced that EPFO’s new software system EPFO ​​3.0 will be launched this year. This new system will give a convenient and user-friendly experience to the employees.

EPFO ATM Card Service

Under EPFO ​​3.0, all members will be given ATM cards. Through this card, employees will be able to easily withdraw and manage the amount of their Provident Fund (PF) account. This service will especially help in times of financial emergency. According to Union Minister Mandaviya, the initial improvements in the website and system will be completed by this month. After this, EPFO ​​3.0 will be implemented in a phased manner.

Service of withdrawing PF from ATM will be available

EPFO members will be able to withdraw money from their PF account directly through ATM from 2025. There will be minimal human intervention in this process. That is, money can be withdrawn from PF without any official clearance. This system will allow customers to settle their claims in one click.

when will the new mobile app come

New mobile applications and other digital services will also be launched under EPFO ​​3.0. Union Minister Mandaviya said that new apps, ATM cards and advanced software will be launched by June 2025. Apart from this, the Ministry of Labor is planning to remove the mandatory contribution limit of 12%. Employees can be given the option to contribute to PF according to their savings. Also, there is a proposal to change this amount in pension with the consent of the employee.

Purpose of EPFO ​​3.0

The aim of EPFO ​​3.0 is to make services simple, fast and transparent using digital technology. This initiative will not only improve the customer experience but will also improve the financial management of employees. This new initiative of EPFO ​​will give crores of employees the option of a safe PF management, which is not available right now.

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The post PF Withdrawal ATM Rule: You will be able to withdraw PF money from ATM from this month of 2025 first appeared on Rightsofemployees.com.

Under the revised procedure, the members whose Universal Account Number (UAN) has already been validated through Aadhaar can update their profile like name, date of birth, gender, nationality, father/mother’s name, marital status, spouse name, date of joining and date of leaving themselves without the requirement of uploading any document. Only, in certain cases where UAN was obtained prior to 1-10-2017, the updation would require certification of employer only.

The consistency and authenticity of personal data of EPF member in the database of EPFO is of paramount importance to ensure that the services are provided seamlessly and to avoid risk of erroneous/ fraudulent payment from the fund. In case of any need for changing or correcting the member details, a functionality was already made available to the members by which they could upload the required documents and file their requests online. Such requests used to be endorsed by the employer online and forwarded to EPFO for final approval.

Out of the total 8 lakhs requests received at EPFO for correction through employers in FY 2024-25, almost 45% of the change requests can be self-approved by the member without employer’s verification or approval at EPFO. On an average this will eliminate a delay of nearly 28 days taken by employer to approve Joint Declarations (JDs). The request for change/correction of EPF Account holders not having a full e-KYC, shall get approved at employer level in approximately another 50% of the cases without requirement for any approval at EPFO.

This revision will immediately benefit around 3.9 Lakh members whose requests are pending at various stages. If any member who can self-approve has already filed his request which is pending with employer, the member can delete the already filed request and self-approve as per simplified process. The majority of the cases could directly be self-approved by the member themselves or in some selected cases by the employer.

At present, around 27% of the grievances filed by the members relate to member profile/KYC issues and with the introduction of the revised JD functionality, it is expected that there shall be drastic reduction in the number of grievances being filed by the members.

This simplification in the online process would facilitate the immediate clearing of the member’s requests duly ensuring data consistency, minimizing the risk of errors and duly ensuing efficient service delivery to the members and promoting ease of living. At the same time by avoiding additional workload at employer’s end for verification of such details, the simplified process will significantly improve ease of doing business.

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The post EPFO Simplifies Online Process for Member Profile Updation first appeared on Rightsofemployees.com.

These reforms will make it simpler than ever to claim transfer online, reducing delays and making the process more effective. This initiative has been taken especially to provide relief to employees changing jobs. Now this process can be completed with the help of Aadhaar and other required documents.

Employees can now self-correct errors in their personal details such as name, date of birth, spouse’s name, marital status, nationality, gender and date of employment through the EPFO ​​portal.

What is the eligibility for PF transfer

To take advantage of this new facility, you must fulfill these conditions

1. Link UAN with Aadhaar: Your Universal Account Number (UAN) must be linked and verified with Aadhaar.

2. KYC: Your account details, like Aadhaar, PAN and bank account, must be verified in the EPFO ​​system.

3. EPFO ​​Account: Both your old and new PF accounts should be managed by EPFO.

4. Verified Date of Exit: Your last date of exit from your previous employer records should be updated on the EPFO ​​portal.

Transfer online like this

Step 1: First of all go to the EPFO ​​member portal.

Step 2: Login to your account by entering your UAN and password.

Step 3: Then go to the ‘Online Services’ tab and click on the ‘One Member – One EPF Account (Transfer Request)’ option.

Step 4: After this, verify the details related to the existing PF account along with the personal details.

Step 5: After verifying the PF account details, click on the Last PF Account Detail option.

Step 6: Select either your previous employer or current employer to verify the form.

Step 7: Then click on Get OTP option to receive OTP on the mobile number registered with UAN.

Step 8: After entering the OTP, click on Submit Transfer Request.

Step 9: After submitting the application, you will be able to monitor the status of your transfer request by going to ‘Track Claim Status’.

Step 10: Your company will approve your EPF transfer request through the employer interface of the unified portal.

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The post PF transfer Rules: Employees can transfer their PF account online without their employer’s approval. Key Details Inside first appeared on Rightsofemployees.com.

A circular issued by EPFO ​​on January 15 had mentioned the circumstances under which a PF account can be transferred directly, without any intervention from the employer. If the member’s Universal Account Number (UAN) has been issued on or after October 1, 2017 and is linked to Aadhaar, then the account transfer will become easier.

Similarly, transfers between accounts with different UANs are also possible, provided both the UANs are linked to Aadhaar and all personal details (such as name, date of birth and gender) are the same.

EPFO clarified that even if UAN is issued before October 1, 2017, the transfer process will be easy provided there is Aadhaar linkage and all the details match. This step has been taken with an aim to make the account transfer process quick and hassle-free for employees changing jobs.

Universal Account Number (UAN) is a unique 12-digit number given to every employee by EPFO, which links all their PF accounts. It is necessary to link it with Aadhaar so that all the account-related processes can be simplified and faster.

To link Aadhaar with UAN, employees can visit the EPFO ​​e-service portal and log in. After selecting the KYC option from the ‘Manage’ menu, Aadhaar details will have to be filled and saved. After this, Aadhaar is verified through UIDAI data. After this process is completed, Aadhaar and PF accounts are linked. This initiative of EPFO ​​will save time and effort of employees and make the process more efficient. This will eliminate the hassle of transferring PF account while changing jobs.

How to link UAN with Aadhaar on EPFO ​​portal, know?

• Login to e-sewa portal and use UAN.
• Select KYC option from ‘Manage’ menu.
• Click on Aadhaar option and fill your information.
• Save the details.
• Aadhaar verification will be done based on UIDAI data.
• After KYC is completed, your Aadhaar will be linked to your PF account.

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The post EPFO has simplified the rules for those changing jobs, now you will not have to do this… first appeared on Rightsofemployees.com.

Provident Fund Transfer On Job Change: There is relief news for the members of the Employee Provident Fund Organization. EPFO ​​has made it very simple to transfer the Provident Fund on changing the job. Now the rule of transferring the Provident Fund to the members through the old or new employer on changing the job has been abolished.

Provident Fund Transfer Rules Made Easy

The Employee Provident Fund Organization has issued a circular on 15 January 2025 in which the process of transfer of Provident Fund account on changing the job has been simplified. In these cases, the rule of claiming online Provident Fund account transfer through the existing or old or new employer has been abolished.

The cases in which relief has been given are as follows –

• In such a case, where the Universal Account Number has been allotted on or after 1 October 2017 and it is linked with Aadhaar, relief has been given in such cases if the Provident Fund account has to be transferred between member IDs of the same Universal Account Number.
• In such cases, if the transfer has to be done between member IDs linked with different Universal Account Numbers and in such cases, the Universal Account Number has been allotted on or after 1 October 2017 and it is linked with Aadhaar, relief has been given in such cases.
• In case of transfer between member IDs linked with the same Universal Account Number, where the Universal Account Number was allotted before 1 October 2017 and it is linked with Aadhaar, and the name, date of birth and gender in the member ID are the same.
• In case of transfer between member IDs linked to different Universal Account Numbers where at least one UAN was allotted before October 1, 2017, is linked to the same Aadhaar, and the name, date of birth and gender in the member ID are the same.

Personal details must be correct everywhere

The circular of Employee Provident Fund Organization means that in the above cases, employees can now directly claim for provident fund transfer. That is, if UAN is linked to Aadhaar and the subscribers’ personal details given everywhere match exactly, then now provident fund can be transferred even without the verification of the employer.

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The post EPFO Gives Great News to EPF Members! Transferring Provident Fund account has become easy, know the details first appeared on Rightsofemployees.com.

If this rule is implemented, the employees will benefit a lot. As soon as the rule is implemented, employees will be able to get the benefit of more pension after retirement. It is expected that the government can make this big announcement regarding social security in the budget to be presented this year.

Let us tell you that the country’s general budget will be presented a few days from now, i.e. on February 1. It is expected that in this budget the government can announce some rules related to social security. According to media reports, on the instructions of the Government of India, the Ministry of Labor and Employment has already started working on the rules related to social security. If employees get the option to convert their PF funds into pension, then they can get more pension after retirement by putting their deposited amount in the pension fund.

You can convert PF funds into pension

By converting PF funds into pension, employees will be able to get better financial security in old age after retirement. Information has also come to light that the central government is thinking of changing the PFO system to make it like banking. By doing this, people will start getting banking facilities in the PFO system. The purpose of these facilities is to strengthen the social security of employees after retirement.

These benefits can be found in the new rules

Interest will be received after retirement

If an employee feels at the time of retirement that he has other sources of income and he does not want to take pension at the age of 58, then he can get the option of 60-65 or any other age to start pension. During this time, annual interest will continue to be received on the amount deposited in the pension fund.

Facility to deposit lump sum amount is available

According to reports, the ministry aims to allow EPFO ​​members to deposit a lump sum amount in their account along with regular monthly contributions. This option has been under consideration by the government for a long time, but no consensus has been reached yet. If the government provides this facility, it will lead to more contributions being deposited in the PF account and employees will be able to get a better pension after retirement.

You can get exemption in income tax

The ministry says that many people do not get FD done in banks because the interest rate there is less than 7 percent. In comparison, the amount deposited in the PF account earns more than 8 percent interest. If people are given the facility to deposit lump sum money in the PF account, then they can start investing in it for their future security.

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The post PF Funds: Central govt may give the option to EPFO ​​employees to convert their PF funds into pension first appeared on Rightsofemployees.com.

The central government is considering options to provide comprehensive benefits to the elderly under social security after retirement. Under this, employees associated with the Employees’ Provident Fund Organization (EPFO) can be given the option to convert their PF funds into pension. This will enable employees to get more pension after retirement. It is expected that the government may also make an announcement regarding social security in the budget for the upcoming financial year 2025-26.

Sources reveal that on the instructions of the Central Government, the Ministry of Labor and Employment is already working on options to increase the scope of the social security scheme. Under the new options, many types of facilities will be provided to the workers. Workers associated with EPFO ​​will be able to convert the amount deposited in the PF fund into pension at the time of retirement.

This means that at the time of retirement, if an employee feels that he needs a higher pension in his old age, he can put the money deposited in the fund into the pension fund. This will increase the amount received as pension.

These facilities are also available

1. Interest will be available on PF fund even after retirement

Similarly, if an employee feels at the time of retirement that he has other options of income and he does not want pension on retirement at the age of 58, but wants to start pension at 60-65 or any other age, then this option will also be provided. In such a case, interest will keep accruing annually on the amount deposited in the pension fund and the pension will start being received from the age at which he wants to start.

2. Provision of lump sum deposit in PF account

The ministry wants that EPFO ​​members should be allowed to deposit a lump sum amount in their account in addition to the regular fixed monthly contribution. This option has been under discussion for a long time, but now there seems to be a consensus at many levels.

If such a facility is provided, more contribution will be deposited in the PF account. This will enable employees to keep more funds in their account under social security and get more pension on retirement.

3. Consideration of income tax exemption on additional contribution

The ministry believes that there are many people who have savings but they do not make FDs in banks because the annual interest there is only seven percent or less. Whereas, the interest on the amount deposited in the PF account is more than eight and a quarter percent.

In such a situation, if the facility of lump sum deposit is given, then people will start putting money in EPF account for future security. Sources reveal that discussions have also been held with the Finance Ministry in this regard that it should also give the benefit of income tax exemption limit on such contribution, so that people can be encouraged to put lump sum money as contribution.

4. Consider expanding the scope of IT systems

At present, work is going on to make the EPFO ​​system like banking. IT System 3.0 is likely to be completed in June, due to which people will start getting banking like facilities. Along with this, the government is also working on options related to increasing benefits under social security, which can be announced in the budget or even after that. Regular discussions are going on between EPFO ​​and Ministry of Labor and Employment regarding this.

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The post Budget expectation: Option to convert entire PF fund into pension may be available first appeared on Rightsofemployees.com.

Most of us want to invest our savings in a good place. However, it is important for you to understand when and where to invest the savings money, only then you can get a good return on it. Many people in the country do not invest in those investment options where there is a risk of market risks. If you also want to invest in a scheme that gives safe and guaranteed returns, then this news is especially for you. Today we are going to tell you about a very great scheme of the government. The name of this scheme is Public Provident Fund Scheme. This scheme of the Government of India is very popular in the country. Many people are investing here. In this connection, let us know about it in detail –

By investing in the Public Provident Fund scheme, you are currently getting an interest rate of 7.1 percent. The Public Provident Fund scheme is also known as the PPF scheme. In this scheme, you can invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh annually.

Your money invested in Public Provident Fund matures in a period of 15 years. If you want to invest further, you can extend the investment period for five years each.

If you also want to invest just 8 thousand rupees and earn 26 lakh rupees in a few years, then for this you will first have to open your account in the Public Provident Fund Scheme.

After opening an account in PPF scheme, you have to save 8 thousand rupees every month and invest 96 thousand rupees annually in PPF scheme. You have to invest 96 thousand rupees every year for a total of 15 years. In this way, after 15 years, you will have a total fund of Rs 26,03,654. This money will work to fulfill your financial needs in the future.

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The post Public Provident Fund: You Will Get 26 Lakhs Rupees By Just Investing 8 Thousand Monthly In This Scheme first appeared on Rightsofemployees.com.

How much will be earned in which scheme

As we mentioned above, no change has been made in the interest rates of any small savings scheme including PPF, KVP, NSC. If you invest in PPF scheme from January 2025 to March 2025, you will get only 7.1% annual interest. Also, if you invest in Sukanya Samriddhi Yojana, you will get 8.2% annual interest, 7.5% annual interest in Kisan Vikas Patra, 4% annual interest in Post Office Savings Account, 7.7% annual interest in National Savings Certificate, 7.4% annual interest in POMIS and 8.2% annual interest in savings schemes run for senior citizens.

How much will you earn in post office time deposit

Along with other Post Office Savings Schemes, the information about the new interest rate of Post Office Time Deposit Schemes has also been given in the information issued by the Finance Ministry. From January 2025, 6.9% annual interest will be given on 1-year Post Office Time Deposit Scheme, 7.0% annual interest will be given on 2-year Post Office Time Deposit Scheme, 7.1% annual interest will be given on 3-year Post Office Time Deposit Scheme. Also, 6.7% annual interest will be offered on 5-year Post Office Recurring Deposit Scheme.

The post Govt Announced New Interest rates on PPF, KVP, SSY and other Small Savings Scheme, check all details first appeared on Rightsofemployees.com.

PF money will be withdrawn from ATM

Recently there were reports that EPFO ​​will soon issue an ATM card , which will allow people to withdraw money from their EPF account anytime. If this change is implemented, the process of withdrawing money from PF will become even easier and faster, giving you 24×7 access to your deposited capital.

The contribution limit in EPFO ​​will increase

Currently, contribution to EPF is made only on basic salary up to ₹15,000 but the government is now planning to allow contribution to EPF on the basis of the entire salary. This means that if an employee’s basic salary is ₹1 lakh, then he will now be able to deposit ₹24,000 (employee and employer combined) in EPF every month. This will help in saving more money for the future.

Equity investment limit will also increase

EPFO invests the money deposited in your EPF account in various investment schemes so that it earns interest and the money grows. One way is to invest in Exchange Traded Funds (ETFs). EPFO ​​is working on the idea of ​​reinvesting the profit from ETFs in shares and other investment options so that more interest can be earned on EPF.

Facility for pension can be availed from any bank branch

In September 2024, the Central Government approved the Centralized Pension Payment System (CPPS). After this, about 78 lakh EPF pensioners will get the facility that they will be able to withdraw their pension from any bank branch and not from any particular bank branch. This will give more flexibility to the pensioners and they will be able to get their pension from any part of the country.

Last date for application for higher pension

EPFO has also announced that all companies should upload the salary details of their employees on the EPFO ​​portal by 31 January 2025. Apart from this, if EPFO ​​has asked for any other information, then it has to be made available by 15 January 2025. This step is for those employees who have applied for higher pension so that their application can be processed as soon as possible.

These changes are aimed at making the EPF system more convenient, transparent and beneficial. These steps will help you grow your EPF account and prove to be helpful in strengthening your financial position in the future.

The post EPFO Rules Change: Major changes in PF in the new year, know what is special for employed people first appeared on Rightsofemployees.com.

Union Labor and Employment Minister Mansukh Mandaviya has given important information related to the launch of EPFO ​​ATM card and mobile app. Mansukh Mandaviya said that the mobile app and debit card facility of the Employee Provident Fund Organization will be launched by May-June of this year.

Know the latest updates on EPFO’s mobile app

The Union Minister also informed that the entire IT system will be upgraded under EPFO ​​2.0. Work is going on regarding this and it is expected to be completed by the end of January. In this episode, the EPFO ​​3.0 app will be launched by May-June 2025 i.e. by the middle of the year, through which EPFO ​​subscribers will be able to get banking facility. In particular, it will centralize the entire system of EPFO ​​and make the claim settlement process easier.

Discussions continue between the Finance Ministry and the Reserve Bank

According to sources in the Ministry of Labor, discussions are going on between the Finance Ministry and the Reserve Bank of India to provide banking facilities to the subscribers of the Employees’ Provident Fund Organization from anywhere in the country through EPFO ​​3.0. As soon as this is implemented, EPFO ​​​​members will be able to get access to debit cards and withdraw their PF funds from ATMs.

What will be the PF withdrawal limit?

One important thing to keep in mind is that subscribers will not get the opportunity to withdraw their entire PF amount and contribution through EPFO ​​ATM card. For this, a withdrawal limit will be imposed so that EPFO ​​members cannot withdraw all the money at once. One important thing is that for this withdrawal limit, you will not need to take permission from EPFO ​​beforehand, whereas earlier it was necessary to take permission from EPFO.

What will be its benefit?

The biggest advantage of these updates and initiatives will be that they will bring a lot of relief to EPFO ​​subscribers and they will not need to fill long forms to withdraw their own money. Apart from this, they will also not have to visit the EPFO ​​office.

The post EPFO ATM Card: Biggest update regarding EPFO’s ATM card and mobile app launch – Check Details Immediately first appeared on Rightsofemployees.com.

If you are also a private sector employee and every month your money is deposited in the PF account, then many big changes are likely to happen in the new year i.e. 2025. The Employees Provident Fund Organization (EPFO) is going to undergo many important changes in the year 2025, which will affect millions of salaried employees across India. The goal of these changes is to enhance the experience, streamline processes and improve employee-employer transparency.

These changes are expected to have a significant impact on the financial security of millions of Indian employees. This will ensure a stronger and safer retirement for the future. Here is information about some such changes, which can be implemented in the year 2025. Let us know one important thing about them.

PF money from ATM

According to the report, EPFO ​​will issue an ATM card, which will allow members to withdraw money round the clock. This is part of a significant change in services for members. It is expected that this service of ATM withdrawal will be implemented during the next financial year.

Employee contribution limit

According to the report, the limit on EPF contribution of employees will be abolished. Currently, employees deposit 12% of their basic salary in the EPF account every month. However, instead of using the Rs 15,000 fixed by the EPFO, the government is considering letting employees contribute as per their actual salary.

Increasing equity limit

According to some reports, EPFO ​​is considering reinvesting a part of ETF income in shares and other assets to enhance returns. This can be implemented anytime during the new financial year.

Pension from any bank branch

In September 2024, Labour Minister Mansukh Mandaviya approved the Centralised Pension Payment System (CPPS). Under this, 7.8 million members can get pension under the Employees’ Pension Scheme from any bank branch. This rule will come into effect from January 1, 2025.

Higher Pension Deadline

The Employees’ Provident Fund Organisation (EPFO) has given employers the last chance to upload salary details of employees by January 31, 2025. Apart from this, employers are required to provide the clarifications requested by the EPFO ​​by January 15, 2025 to process the higher pension application.

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The post EPFO Rules Change: 5 big PF rules are going to change in the new year, Check all detail first appeared on Rightsofemployees.com.

The purpose of these new rules is to provide more convenience to PF account holders and help them manage their retirement funds in a better way. These changes will benefit both private sector employees and government employees. Let us know about these new rules.

5 new rules for PF account (EPFO New Rules 2025):

Facility to withdraw PF money from ATM (withdraw PF money from ATM)

To provide more convenience to the members, EPFO ​​has decided to issue an ATM card which will provide 24/7 fund withdrawal facility to the subscribers. This ATM withdrawal facility is expected to start in the financial year 2025-26.

With the implementation of the new guidelines, subscribers will be able to easily withdraw funds anytime in 24 hours. This will also save a lot of time of the subscribers. Currently, they have to wait for about 7 to 10 days to receive PF money in their bank account.

There may be a change in the employee’s contribution limit

Another big change coming next year is the change in the EPF contribution limit for employees. Currently, employees contribute 12% of their basic salary to the EPF account every month. However, the government is considering allowing employees to contribute based on their actual salary instead of the Rs 15,000 set by the EPFO.

After the implementation of this policy, employees will be able to accumulate a large fund till their retirement and get higher pension every month.

EPFO IT system upgrade

EPFO is upgrading its IT infrastructure, which will allow PF claimants and beneficiaries to easily withdraw their deposits. It is expected that this upgrade will be completed by June 2025. Once the IT infrastructure is upgraded, members’ claims will be settled faster than before. Also, this will increase transparency and reduce cases of fraud.

Facility to invest in equity

EPFO is considering allowing its members to invest in equities. This will give PF account holders the option to manage their funds more effectively. If the retirement fund body allows direct equity investment, members can expect high returns.

Easy pension withdrawal

EPFO is making an important change for pensioners. Under the new rule, pensioners will be able to withdraw their pension from any bank in the country without any additional verification. This step will be very convenient for the members and will also save a lot of their time as they will be able to withdraw their pension from any bank.

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The post EPFO’s these 5 New rules of will be Implemented in the New Year, What will be the benefit of these rules first appeared on Rightsofemployees.com.

Why is UAN and Aadhaar linking mandatory?

Employees of the Employees’ Provident Fund Organization (EPFO) who want to avail financial benefits under the Employment Linked Incentive (ELI) scheme, it is necessary for them to activate the Universal Account Number (UAN) and link their bank account with Aadhaar. This process is completed through Direct Benefit Transfer (DBT), through which eligible employees are given their benefits directly in their bank account.

What is ELI scheme?

The ELI (Employment Linked Incentive) scheme aims to encourage employment generation and provide financial assistance to employees. The scheme was introduced by Union Finance Minister Nirmala Sitharaman in the July 2024 budget.

There are three categories of ELI scheme

• Scheme A: Targets new employees joining EPF for the first time.
• Plan B: Promotes employment opportunities in the manufacturing sector.
• Scheme C: Provides incentives to employers.

Advantage of the new deadline

EPFO had extended the deadline for UAN activation and Aadhaar linking from 30 November 2024 to 15 December 2024. Now it has been extended once again and given time till 15 January 2025. This has brought great relief to those employees who had not completed this process till now.

Complete the process before the last date

If you want to avail the benefits under the ELI scheme, it is mandatory to complete UAN activation and Aadhaar linking on time. This scheme has been created to promote employment generation as well as provide financial security to the employees.

The post EPFO Extended the Last date for Linking UAN and Aadhaar first appeared on Rightsofemployees.com.

One of the important steps is the plan to transfer the amount of PF (Provident Fund) claim directly to the e-wallet, so that members can get quick and easy access to their funds.

Process for PF claim transfer to e-wallet

According to a report by Money Control, “This initiative of the government is being taken as part of the reform of the IT system of the Ministry of Labor and Employment, which aims to simplify and speed up the PF withdrawal process. Under this scheme, EPFO ​​​​and ESIC members will be able to receive their PF claim amount directly in their e-wallet, so that they will not have to depend on bank accounts.”

Implementation of the process

According to a report by TV9 Hindi, ” The government has started talks with banks and the Reserve Bank of India ( RBI ) to implement this new facility. According to the plan, the facility of direct PF withdrawal through ATM can also be made available in the beginning of the year 2025. With this, members will be able to withdraw money from their PF account from any bank’s ATM.

Benefits to EPFO ​​members

• Members will get instant access to their PF amounts, making it easier to meet emergency needs.
• Dependence on bank accounts will reduce and it will be easier to make digital payments through e-wallets.
• Security of money will be ensured through digital transactions, which will reduce the chances of fraud.

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A statement from the Labor Ministry said that EPFO ​​has provided online facility to submit applications for verification of joint options for pension on higher salary.

17.49 lakh applications received from pensioners till 11 July 2023

In compliance with the Supreme Court order dated 4 November 2022, this facility was introduced for eligible pensioners or members on 26 February 2023. It was to be made available by 3 May 2023. However, considering the representation of the employees, the time limit has been extended to 26 June 2023 to give four months’ time to the eligible pensioners / members to file the application. They were also given an additional 15 days to remove any difficulty. This made the last date for submission of applications 11 July 2023 and till this date 17.49 lakh applications were received from pensioners.

More than 3.1 lakh applications still pending with employers

However, even after this, on the request of employers and employer associations to extend the time to ‘upload’ the salary details, the deadline for submitting salary details etc. online was first extended to 30 September 2023, then to 31 December 2023 and then to 31 May 2024. Despite such a long extension, it was seen that more than 3.1 lakh applications are still pending with the employers for verification of combined options.

The ministry said, therefore, employers are now being given a ‘last chance’ till January 31, 2025 to settle these pending applications and ‘upload’ them soon. Employers were also requested to submit their replies and update the information in more than 4.66 lakh cases by January 15, 2025. Where the Employees’ Provident Fund Organization (EPFO) has sought additional information about the application received and examined by it.

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The Labor Ministry is upgrading its IT systems to provide better service to a large workforce of the country. The Labor Secretary said, ‘We are quickly settling the claims filed by the members and simplifying the process to improve the ease of living. Now a beneficiary making a claim can get his claim amount directly from the ATM. This will minimize human intervention and make the process easier.’

The money for which the claim has been filed by the employees will be withdrawn from the ATM. Employees have to apply for partial withdrawal. Employees can withdraw PF money only under certain circumstances. Employees can submit a claim for partial withdrawal through the EPFO ​​website (https://www.epfindia.gov.in) or the Umang app.

Big changes will be seen in the new year

The Labor Secretary told news agency ANI, ‘Systems are constantly being upgraded. Every 2 to 3 months you will see significant improvements. I am confident that a big change will be seen from January 2025. When we will have IT 2.1 version in EPFO. ‘ He said that our goal is to bring the IT infrastructure of EPFO ​​to the same level as our banking system. Let us tell you that EPFO ​​​​i.e. Employees Provident Fund Organization has about 7 crore active contributors. The Labor Secretary also praised the government’s efforts towards improving EPFO ​​​​services to increase the ease of living.

Gig workers will get these benefits

Regarding the plans to provide social security benefits to gig workers, the labour secretary said the progress is in an advanced stage but refrained from giving any timeline. “A lot of work has been done and we have outlined a plan, which will now be finalised. These benefits may include medical health coverage, PF and financial assistance in case of disability,” he said. A committee comprising representatives of various stakeholders has been set up to propose a framework for providing social security and welfare benefits to gig and platform workers. Gig and platform workers were first defined in the Social Security Code of 2020, which was enacted by Parliament. The Code contains provisions relating to their social security and welfare.

Unemployment has decreased significantly

On the issue of unemployment, the Labour Secretary said that the unemployment rate has declined. He said, “The unemployment rate was 6 per cent in 2017. Today, it has come down to 3.2 per cent. Moreover, our workforce is growing. The labour force participation rate is increasing and the worker participation ratio, which indicates how many people are actually employed, has reached 58 per cent and is rising.”

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The post New EPFO ​​Rules: PF account holders withdraw PF money directly ATM from the year 2025. Check all Details first appeared on Rightsofemployees.com.

EPFO ​​is a unit of the Government of India which looks after the arrangements related to PF. From opening your account to depositing money in it, paying interest and withdrawing money, EPFO ​​looks after many other things. In such a situation, if you are also a PF account holder, then it becomes important for you to know why it is necessary to activate the UAN number of your PF account and what problems you may face if you do not get it done. So let’s know about its method. You can know about this in the next slides…

Why is it necessary to get it activated?

If you also have a PF account and you have not activated your UAN number yet, then get it done. If you do not do this, then you may face problems in withdrawing PF money. Without activating it, you will not be able to login with the UAN number. When you have to withdraw money from the PF account, you need the UAN number and password to login. Also, it is most important to activate the UAN number.

This is how PF account holders can activate their UAN number:-

Step 1

• If you have not yet activated the UAN number of your PF account, then to get it done, you first have to go to the official website of EPFO ​​unifiedportal-mem.epfindia.gov.in/memberinterface/
• Then you will see many options here, out of which you have to click on the option ‘Important Links’

Step 2

• Then you will see the option ‘Activate UAN’ here, on which you have to click
• Now on clicking on it a new page will open in front of you
• Where you have to enter your UAN number or if you want, you can also fill in the member ID here
  After this, you have to enter your 12 digit Aadhaar number

Step 3

• Then you have to fill your name and date of birth here.
• Now enter your 10 digit mobile number here, keep in mind that this number should be linked to your Aadhar card
• Then enter the captcha code given on the screen here
• Now tick on consent and click on ‘Get Authorization Pin’ after which your UAN number gets activated.

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