The EPFO, the governing body of PF funds, has made several major changes to the rules. These changes will benefit those who deposit their PF under the EPFO. A portion of their salary is deposited into their PF account every month.

If you also deposit money into your PF account, you will directly benefit from these changes. Let’s learn about these changes.

What will change?
Following the Supreme Court order, the EPFO ​​has made major changes to pensions. Previously, upon retirement under the EPFO, you could receive a maximum pension of ₹7,500 per month. This limit has now been increased to ₹15,000 per month.

This change will provide relief to former employees who had a higher salary but were receiving only up to the pension limit.

Withdraw pension at 50
Previously, you could withdraw funds from the EPFO ​​only when you were at least 58 years old. Now, you will be able to avail pension benefits under the EPFO ​​as early as 50. However, if a person withdraws pension early, they may receive a lower pension amount.

Pension claims available online
Previously, claiming pensions was quite difficult. Approval could take months. However, the EPFO ​​has now digitized most services. Now, everything from filling out pension claim forms to claim approval can be done online.

No more hassles with job changes
Previously, if someone changed jobs, they had to transfer their old records to the new office. But now, this is available online.

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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.

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What is UAN and why is it important?

UAN i.e. Universal Account Number is allotted by EPFO. This number is given to every employee who works in an institution covered under the Employees’ Provident Fund Scheme, 1952. UAN works as an identity for employees. Whenever an employee changes jobs, the Member IDs given by the new employers get linked to the same UAN. Since this UAN remains valid for the entire career of the person, it is very important to generate it accurately and securely.

How was UAN made till now?

Till now, employees had to either apply through their employer or use other digital means to obtain UAN. But many times problems like errors in data entry, identity related mistakes or delay in verification of documents were faced. To eliminate these reasons, EPFO has decided to implement a full-proof digital system.

What is the new system of EPFO?

EPFO has decided that now the new UAN will be generated only through UMANG app and for this, face authentication technology (FAT) linked to Aadhaar card will be used. In this process, the member will have to install UMANG app and Aadhaar Face RD App on his smartphone. After this, your identity will be verified with UIDAI (Aadhaar database) through face scan on the app and UAN will be generated.

In a circular issued on July 30, 2025, the EPFO said, “In order to ensure error-free generation of UAN, it has been decided that from August 1, 2025, new UAN will be generated/allotted only through Aadhaar-based face authentication in the UMANG app.”

For whom will the old process remain?

EPFO has also clarified that the currently prevalent process of generating UAN through employers will continue for some exceptions, such as international workers and citizens of Nepal and Bhutan.

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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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Crores of account holders are connected under the Employees Provident Fund Organization (EPFO) in the country. Employees are given interest every year under PF account. Right now 8.1 percent interest is being given by the Central Government (Central Employees). Interest money is released only under those accounts which are currently active (epfo login), but do you know that even if your EPF account is deactivated, it will earn interest?

Before knowing about this, you should know about EPF. EPF Account ie PF account is opened for employed people, on which equal contribution is made from both the company and the employee. Interest is given to the government on the money deposited in it. Money can be withdrawn from the EPF account at the time of emergency. However, if you do not withdraw money from this account in between, then at the time of retirement you can raise a good fund.

Will interest be given on closed PF account also ?

If you are an EPF account holder, then you will be given interest every year. Although a decision was taken in FY 2013 that if a member has not contributed to EPF for three years, then his interest money should be withheld, but this decision was withdrawn in 2016. This means that interest will be paid on all accounts.

When and how interest will not be available in EPF account

If the entire money has been withdrawn from the account and it is not being used then interest will not be paid on it. On the other hand, even if the retirement period of EPF account has been completed, interest will not be given. Also, the age of the account holders is 58 years and the balance of EPF has not been calculated for a long time, then the amount of interest will not be given.

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A new rule has come to withdraw money from EPFO, which is beneficial for you. It is also important for you to know this. The Central Board i.e. CBT has recommended to the government that changes should be made in the EPS withdrawal rules. This is great news for the employees who are going to retire in the next 6 months.

The CBT has recommended the government to make necessary changes in the EPA-95 plan. It is believed that when the retirement benefit is fixed, the retiring employees will get more benefits. On Monday, the Employee Provident Fund Organization has announced some new changes to withdraw money. According to the new rules, an employee can withdraw money even 6 months before retirement.

The Employees’ Provident Fund Organization (EPFO) has announced a significant change on Monday. Now how can customers withdraw their savings amount? Employees Pension Scheme 1995 (EPS-95) deposits can now be withdrawn by subscribers even with less than six months service as per the decision taken by EPFO.

At present, only EPFO ​​members who have less than six months of service left can withdraw the amount deposited in an employee’s provident fund account. The Central Board of Trustees in its 232nd meeting, chaired by Union Labor Minister Bhupendra Yadav, the highest decision-making body of EPFO, recommended changes to the existing EPS-95 scheme to the government. The board has advised the government regarding the extension of EPS withdrawal benefit to the members who are going to retire in six months.

The board has also suggested that the participants who have deposited the amount in the scheme for more than 34 years should be given proportionate pension benefits. As a result, when the retirement benefit is fixed, the retirees will get a higher pension.

According to the statement, the board has recommended that it is possible to determine the value of equitable transfer whenever exemption from EPS-95 is granted or cancelled. It has an exchange-traded fund (ETF) unit investment policy that has been approved. The board also gave its approval for transactions of ETF units purchased in 2018 to capture capital gains.

The documents authorized to submit this audit report to Parliament include audited annual accounts for the financial year 2020-21 as per the Employees’ Deposit Link Insurance (EDLI) Scheme 1976, EPS Scheme 1995 and EPF Scheme 1952.

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In this case there is a possibility of loss. Most of the members know the rules like insurance, pension, income tax deduction of Rs 7 lakh under EDLI scheme. But, apart from this, there is also a rule related to loyalty-cum-life benefit. In this benefit, the employee can get a benefit of up to Rs 50,000 at the time of retirement. In fact, all EPF account holders are advised to continue contributing to the same EPF account even after changing jobs.

Also, they can avail loyalty-cum-life benefits after contributing to the same account for 20 consecutive years. According to EPFO ​​expert Bhanu Pratap Sharma, the CBDT has recommended to extend the benefit of loyalty-cum-life benefit to account holders who have contributed to their EPF account for 20 years.

The Central Government has approved it. This means if one qualifies then he/she will get an additional benefit of Rs.50,000/-. Under the loyalty-cum-life benefit, people with a basic salary of up to Rs 5,000 will get a benefit of Rs 30,000. Those whose basic salary is between Rs 5,001 to Rs 10,000, they will get a benefit of Rs. The best way to avail this is to keep the EPFO ​​account open even if the EPFO ​​member changes jobs.

For this you have to inform your old employer and current employer. It is advisable not to withdraw PF during work. Retirement fund members may suffer losses including income tax. He also had pension benefits and loss of loyalty.

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In this case there is a possibility of loss. Most of the members know the rules like insurance, pension, income tax deduction of Rs 7 lakh under EDLI scheme. But, apart from this, there is also a rule related to loyalty-cum-life benefit. In this benefit, the employee can get a benefit of up to Rs 50,000 at the time of retirement. In fact, all EPF account holders are advised to continue contributing to the same EPF account even after changing jobs.

Also, they can avail loyalty-cum-life benefits after contributing to the same account for 20 consecutive years. According to EPFO ​​expert Bhanu Pratap Sharma, the CBDT has recommended to extend the benefit of loyalty-cum-life benefit to account holders who have contributed to their EPF account for 20 years.

The Central Government has approved it. This means if one qualifies then he/she will get an additional benefit of Rs.50,000/-. Under the loyalty-cum-life benefit, people with a basic salary of up to Rs 5,000 will get a benefit of Rs 30,000. Those whose basic salary is between Rs 5,001 to Rs 10,000, they will get a benefit of Rs. The best way to avail this is to keep the EPFO ​​account open even if the EPFO ​​member changes jobs.

For this you have to inform your old employer and current employer. It is advisable not to withdraw PF during work. Retirement fund members may suffer losses including income tax. He also had pension benefits and loss of loyalty.

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EPFO Pension: In the meeting to be held on July 29 and 30, major changes in the system of Central Pension Distribution System will be discussed. After getting approval in the meeting, 73 lakh pensioners across the country will get the pension amount on the same date and time.

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