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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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.

Till now this was the rule

Till now, members claiming PF had to upload a scanned copy of the check or the first page of their bank passbook to verify the account details. If the uploaded copy was unclear, it often led to a mistake or the claim was rejected.

Apart from eliminating the check upload rule, EPFO ​​has also removed the need for employer verification to link bank accounts. This means that members can now update their bank accounts directly through Aadhaar-based authentication, making the process even easier.

Government’s big decision on PF – you can get up to 5 lakh

EPFO has recently changed another rule. The Employees’ Provident Fund Organization (EPFO) has given a big relief to its crores of subscribers. Now any member will be able to withdraw up to Rs 5 lakh automatically from the EPF account through advance claim, that is, now there will be no need for manual verification to withdraw such a large amount.

What is the change?

Till now, EPFO ​​had kept the amount up to Rs 1 lakh under auto-settlement under advance claim (ASAC – Auto Settlement of Advance Claims). That is, if an employee withdrew an amount of Rs 1 lakh or less, it was approved directly. But for amounts more than Rs 1 lakh, manual verification was required, which made the process long and time-consuming. Now this limit has been increased to Rs 5 lakh.

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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.

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New Delhi. The Employees Provident Fund Organization has increased the limit of auto claim settlement facility from Rs 50,000 to Rs 1 lakh. Along with this, this facility will now also be applicable on taking advance for house, marriage and marriage. This decision was taken in the meeting of the Central Board of Trustees of EPFO ​​​​chaired by Union Minister Mansukh Mandaviya.

Apart from this, it was also decided to implement the benefits of Employees Deposit Linked Insurance Scheme from the date before 28 April 2024, minimum insurance benefit of Rs 2.5 lakh and maximum Rs 7 lakh. In the ELI scheme, insurance cover is given to the dependents on the death of the employee.

The board has also approved amendments to the EPF Scheme, 1952. After this amendment, members will get interest till the date of claim settlement. Earlier, if the claim was passed by the 24th, then interest was received only till the end of the previous month. EPFO ​​also approved an amnesty scheme for employers. Under this, they will be allowed to deposit the previous provident fund dues without any penalty.

1.15 crore claims settled through auto mode

In the last financial year, there were 1.15 crore such claims which were settled through auto mode. Last month i.e. in November, the rejection rate has come down to 14 percent. In the financial year 2023-24, 4.45 crore claims worth Rs 1.82 lakh crore were settled. At the same time, in the current financial year, so far 3.83 crore claims worth Rs 1.57 lakh crore have been settled by EPFO.

The Central Board of the Employees’ Provident Fund Organisation (EPFO) has approved reinvesting 50% of the redemption proceeds from its Exchange Traded Funds (ETFs) in equities with an aim to increase equity investments and generate more income for its nearly 7 crore members. The meeting also agreed to increase the redemption period of ETFs from the current 4 years to 7 years. This will be implemented in a phased manner over the next 6 years, which is expected to provide better returns.

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