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.

EPF Rules 2025 : Are you unemployed and worried about your PF balance? Find out if you’ll still receive interest even if you’re unemployed.

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From now on, if you change jobs, you will not get a new Universal Account Number (UAN).

Your old UAN will work throughout your entire employment life. Moreover, now UAN will not be issued without Face Authentication Technology (FAT). These rules have been brought in to make work easier for employees and prevent fraud. Let’s understand it in simple terms.

Only one UAN will be used.

Earlier, when an employee changed jobs, he sometimes got a new UAN in the new company. Due to this, his PF money and records were not in one place. Sometimes there was a problem in linking the old and new accounts. Now EPFO has made it clear that an employee will have only one UAN, which will be used throughout his professional life. This will make it easier to transfer PF money, take pension and other things. All your records will be linked to the same UAN, so there will be no confusion.

The information will be entered into the scan system.

Now let’s talk about FAT. EPFO has made face authentication technology mandatory to make UAN more secure. Earlier, only Aadhaar or KYC was enough, but now it will not be the case. Now to generate UAN, your face will be scanned through the Umang app. This scan will be recorded in the system, so that no fake account can be created. This will also end the problem of duplicate UAN. This step has been taken so that there is no error in the PF system and the data remains completely correct.

Many advantages of the new rule

This new rule will benefit the employees a lot. The biggest advantage is that all your PF records will be at one place. There will be no problem in transferring PF on changing jobs. In future, when you want to withdraw pension or PF money, you will not need to do paperwork or find old records. Also, it will become easier for companies and the government to manage the PF system.

However, the impact of this rule is visible immediately. According to reports, in just two days, the employment process of more than a thousand people was stopped because their FAT verification could not be done. This clearly shows that it will now be difficult to get a UAN without scanning the face. Overall, these changes are beneficial for employees in the long run, but there may be some problems initially. If you are employed, get your UAN and FAT verification done quickly, so that there are no problems in the future.

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