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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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.

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.

The Employees’ Provident Fund Organization (EPFO) is rolling out a major digital update for the convenience of employees. This will allow EPF members to transfer and withdraw their Provident Fund funds directly to their bank accounts via UPI. There’s no need to file any claims. Your funds will be available to you without any hassle.

According to a PTI report, this update will begin in April 2026. The Labor Ministry is continuously working on this. According to the plan, a portion of the EPF balance will be frozen, while the other portion will be available to members. EPF members will be able to view their EPF balance from their linked bank account and transfer funds instantly by completing the transaction using their UPI PIN.

8 crore employees will benefit

Once your funds are credited to your bank account after this update, you will be able to use them for digital payments or withdraw them from ATMs. According to the EPFO, this update will be completely secure. Work is currently underway to fix minor issues in the EPFO ​​software.

Online settlement launched after COVID-19

Today, if someone wants to withdraw their EPF funds, they have to file a claim, which is time-consuming. After COVID-19, the EPFO ​​introduced the online mode, but claims still take at least three days to process. The claim limit has now been increased from ₹1 lakh to ₹5 lakh.

Maintaining a 25% balance will be mandatory.

Last year, in October 2025, the Central Board of Trustees (CBT) approved major changes to partial withdrawal rules. These provisions have been divided into three categories: Essential Needs (illness, education, marriage), Housing Needs, and Special Circumstances. Members will be able to withdraw up to 100% of their balance. However, maintaining a minimum balance of 25% will be mandatory for retirement security. This will allow EFF members to continue earning 8.25% annual interest.

The post EPFO: From April, EPF money can be withdrawn through UPI, crores of employees will benefit. 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.

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

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:

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

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.

Alao read | Elderly Care Leave: 30 Days for Central Staff

The new guidelines, released on December 19, 2025, provide a clear roadmap for correcting mistakes made by employers when they either put too much or too little into your pension pot. Let’s be real, fixing these errors used to be a bureaucratic nightmare, or nothing.

The new rules split the fix into two main buckets. Specifically, if your employer wrongly put money into the Employees’ Pension Scheme (EPS) for someone who wasn’t even eligible (like those earning over ₹15,000 who joined after 2014), the EPFO will now recalculate that amount with interest.

Alao read | Elderly Care Leave: 30 Days for Central Staff

They’ll move that cash back into your Provident Fund (PF) account and wipe the incorrect “pension service” from your record.

And then there’s the other side: if you were eligible but your employer forgot to pay into your pension, the EPFO will now move the money from your PF to your Pension account, ensuring you get the service credit you deserve.

Here’s the kicker: this update also tackles the difference between exempted (private trusts) and unexempted (directly with EPFO) establishments. Specifically, for exempted trusts, the money will be physically transferred along with interest between the Trust and the EPFO’s pension account. This is a massive relief because these cross-transfers were where most claims used to get stuck.

Alao read | Elderly Care Leave: 30 Days for Central Staff

Consequently, the member’s service history, including any non-contributory periods, will finally be updated accurately. Let’s be real, having an accurate service record is the only way to ensure your monthly pension check actually shows up when you retire.

The situation is a direct response to a mountain of grievances about poor settlement handling. Specifically, the EPFO is moving toward a more automated, error-free system to match their EPFO 3.0 digital push.

If you’re currently facing a settlement delay, you should check your passbook for any “EPS Error” flags. Specifically, the fix is now standardized across all regional offices, so the “running around” should finally stop. Specifically, the rollout of these rules is ongoing, and it’s expected to clear the massive backlog of pending pension claims by early 2026.

Alao read | Elderly Care Leave: 30 Days for Central Staff

The post EPFO New Rules 2025: How to Fix EPS Contribution Errors 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.

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: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

The post Big News for Your Retirement Savings: Changes at the EPFO Explained Simply first appeared on Rightsofemployees.com.

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

The post Massive Pension Relief: EPFO Accelerates EPS-95 Arrears Clearance Through New Digital System first appeared on Rightsofemployees.com.

EPFO: Almost all employees in India have a PF (Provident Fund) account. PF accounts in India are operated by the Employees’ Provident Fund Organization (EPFO). Meanwhile, important news has emerged regarding the EPFO. (The EPFO ​​is considering raising the salary threshold for mandatory membership from ₹15,000 to ₹25,000. This means that even higher-paid employees will now receive social security benefits under the EPF and EPS schemes.

According to Labor Ministry sources, this proposal is likely to be discussed at the EPFO ​​board meeting in December or January, where final approval is expected. If approved, this proposal will directly impact the country’s more than 65 million EPFO ​​subscribers. It could be included under EPFO ​​3.0. This would be a major step towards a complete upgrade of the employees’ social security system in the future.

PF Funds Will Jump
If this decision is passed, employees’ monthly pension fund deposits will increase from ₹1,250 to ₹2,083. This could be included under the new EPFO, ‘EPFO 3.0,’ with a major update expected in early 2026. Both the EPF and EPS schemes require both employees and employers to contribute 12 percent each. The employee’s full 12 percent goes to the EPF, while the employer’s contribution is split between 8.33 percent and 3.67 percent.

According to officials, the increase in the salary limit will rapidly increase the EPF-EPS corpus, boosting both retirement pensions and interest for employees. Currently, the EPFO ​​has a total fund of approximately ₹26 lakh crore and has 76 million active members.

Know the Current Rules
According to the current rules, under EPS-95, contributions to the pension fund are only counted up to a maximum of ₹15,000 of the basic salary. This means that even if your salary is ₹30,000 or ₹40,000, the pension fund contribution is limited to only ₹15,000.

Why is a change in the EPS ceiling necessary?

1. The EPS limit was last increased from ₹6,500 to ₹15,000 in 2014.

2. Since then, inflation, basic pay, and universal minimum wages have all increased.

3. Now, the minimum wage is fixed at around ₹18,000, so the ₹15,000 EPS ceiling has fallen behind the actual wage structure.

4. That’s why many EPFO ​​board members believe that “Social Security will only be effective if the contribution limit is increased.”

5. This will not only strengthen the pension fund but also provide better security to employees after retirement.

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EPFO New Scheme 2025: Almost all employees working in India have a PF (Provident Fund) account. PF accounts in India are operated by the Employees’ Provident Fund Organisation (EPFO). The Ministry of Labour and Employment has launched the Employees’ Enrolment Scheme (Employees’ Enrolment Scheme) 2025. This scheme aims to provide social security coverage to as many employees as possible under the Employees’ Provident Fund Organisation (EPFO). The scheme aims to provide EPF coverage to employees who were left out for some reason. Employers are being given the opportunity to enroll their left-out employees.

This scheme will cover all employees who joined the organization between July 1, 2017, and October 31, 2025, and who are still working with that company. The Ministry of Labor and Employment launched this scheme on November 1st, the EPFO’s 73rd Foundation Day. Union Labor and Employment Minister Mansukh Mandaviya also launched the EPFO’s new website, www.epfo.gov.in. It now features a simpler interface, improved navigation, and simplified access to all services.

What is the Employees’ Enrollment Scheme 2025?
This scheme will run for six months from November 1, 2025, until April 30, 2026. Its purpose is to encourage employers to bring under the ambit of the Employees’ Provident Fund (EPF) those employees who, for whatever reason, have not been able to enroll themselves. The official circular dated October 10, 2025, giving information about this, refers to it as the Employees’ Provident Funds (Amendment) Scheme, 2025.

Who can apply?
Under this scheme (EPFO Scheme 2025), any company or establishment can participate in the enrollment drive, whether it is already covered under EPF or not. Under this drive, employers can register employees who started working for them between July 1, 2017, and October 31, 2025 (July 1, 2017 – October 31, 2025) and who are alive and employed as of the date of declaration.

Compliance for these employees will be considered to begin from the month in which the employer submits their declaration of joining. The government is also giving such institutions an opportunity to regularize their old compliance under the Employees’ Provident Funds and Miscellaneous Provisions Act, 1952.

What will be the benefit of enrollment?
The biggest benefit of enrollment under this campaign is that if an employee’s EPF contribution has not been deducted before, their Employee Share will be waived. The employer will only have to pay the Employer’s Share, interest calculated under Section 7Q, and administrative charges. Additionally, a one-time payment of a penalty of ₹100 in all these cases will be considered compliance under all three schemes—EPF Scheme 1952, EDLI Scheme 1976 (Employees’ Deposit Linked Insurance Scheme, 1976), and EPS Scheme 1995. After this, the full benefits of all three schemes will be available.

Contributions will be deposited through electronic challan.
The mandatory condition of this scheme is that employers must generate a face authentication-based UAN for each employee through the UMANG app and deposit the contribution through electronic challan (ECR).

EPFO’s new homepage also launched
In addition, the Labor Minister also launched the EPFO’s new homepage, www.epfo.gov.in, which is a more user-friendly domain name. It will provide an improved interface, easier navigation, and easier access to key services and information for stakeholders.

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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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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 Pension Rules: If your PF is deducted, this news is very useful for you. Actually, EPFO ​​has changed some pension-related rules, which you should be aware of. Today, we are going to tell you about five changes that will affect your retirement reimbursement. Let’s learn about those changes.

Changed Pension Calculation Rules
The Employees’ Provident Fund Organization (EPFO) has changed the rules for calculating pensions. This change is very beneficial for pensioners. Previously, pensions were calculated based on the last salary drawn, but now they will be calculated based on the average salary of 5 years.

The pension withdrawal age has been changed.

The previous age for pensionwithdrawals was 58 years, but this has now been reduced to 50. Individuals wishing to receive their pension early can apply at age 50. Please note that early retirement reduces the pension amount.

Claim your pension online
The EPFO ​​continues to update its services for employees to ensure that employees receive their pensions without any difficulties. Consequently, all pension claim processes, such as filling out forms, uploading documents, and obtaining approval, can be completed through the EPFO ​​website or mobile app. Previously, this process used to involve long queues.

No loss of pension due to job changes
The EPFO ​​has clearly stated that if an employee changes jobs, their pension will not be lost. Their old record will be linked to the new company, allowing them to continue receiving their pension.

Pension limit also increased
EPFO has also increased the maximum pension limit. Previously, this limit was ₹7,500, which has now been increased to ₹15,000. Therefore, if you have a high salary, you can receive a maximum pension of ₹15,000 after retirement. It’s worth noting that many of these changes are old, but pensioners should be aware of them.

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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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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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EPFO: The Employees’ Provident Fund Organisation (EPFO) has launched an upgraded version of the Electronic Challan-cum-Return (ECR). This feature has been implemented starting with the September salary. The EPFO ​​announced this in a notification. This feature separates the return submission and payment processes. System-based verification is also provided. This is intended to prevent the submission of incorrect ECRs.

According to a report published in Business Standard, Sections 18B and 7Q of the Employees’ Provident Fund Organisation provide for the calculation of losses and interest. Section 7Q mandates the payment of interest along with monthly contributions. It should be noted that Section 7Q requires employers to pay interest on any EPF dues on time. The EPFO ​​stated that the new feature will separate returns and payments, making the process more streamlined. This update will also help employees better understand the status of their contributions.

Changes in the upgraded version

1- Easier return and payment segregation

2- System-based verification to prevent incorrect ECR submission

3- Calculation of penalties and interest alongside ECR

4- Facility to amend ECR with certain conditions

5- No change to the existing ECR format.

Learn what ECR is.

ECR is a mandatory monthly electronic return submitted by employers to the EPFO. It contains information on members’ salaries, contributions to the Employees’ Provident Fund (EPF), Employees’ Pension Scheme (EPS), and Employees’ Deposit Linked Insurance (EDLI) schemes. ECR serves as both a return and a challan for payments. Meanwhile, the EPFO ​​has introduced several key reforms aimed at making its services more transparent, accessible, and user-friendly for millions of subscribers across the country.

EPFO Makes Several Important Changes

Death Claims Made Easier

If a PF member dies and the money is to be transferred to the bank accounts of minor children, a Guardianship Certificate will no longer be required. This means that settling claims for minor children has become easier than before.

Aadhaar-related process simplified

Many members are still unable to link (seed/verify) their Aadhaar number with their UAN or require corrections. To address this, the EPFO ​​has simplified the joint declaration process. Members will no longer face difficulties in correcting and linking Aadhaar information.

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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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EPFO has announced Passport Lite as part of EPFO ​​3.0. Passport Lite aims to provide better beneficiary service. Beneficiaries can check various details through Passport Lite, providing greater transparency.

Furthermore, if a beneficiary is planning a job change, they can easily shift their Provident Fund Account (PF account).

What are the benefits of Passport Lite?
With Passport Lite, beneficiaries can easily view their transaction history, withdrawals, and current balance. To avail these services, they do not need to visit the Passport Portal. Labor and Employment Minister Mansukh Mandaviya stated that users can still use the traditional passbook portal.

This move will make all important services available through a single login.

What are the current challenges?
Currently, if someone wants to check their PF history, withdrawals, or current balance, they have to log in separately to the passbook portal. This dual login creates password synchronization issues.

PF transfers will also become easier.
Whenever an employee changes companies, an Annexure-K transfer certificate is issued. When an employee changes companies, the account is transferred to the new company through Form 13. The Annexure-K transfer certificate is submitted to the EPFO ​​office.

The Annexure-K certificate was previously viewable upon request, but now it can be easily downloaded. The EPFO’s aim behind introducing Passport Lite is to provide convenient services to beneficiaries.

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The government has shortlisted companies like Infosys, Wipro and TCS to build and maintain this platform. After the arrival of EPFO ​​3.0 platform, facilities like automated PF withdrawal and integrated ATM will also be made available on it.

It is worth noting that the month of June was fixed for the launch of EPFO ​​3.0 platform. However, due to some testing and other reasons, it got delayed. Along with this, now this platform can be launched soon.

Online claim and correction facility will be available

– After the launch of this platform, employees will not have to visit the office repeatedly to make small corrections or settle claims.

– Employees will be able to do such work with the help of OTP.

– In addition, they will also be able to track the status of their claims on this platform.

User Friendly Experience

– EPFO ​​members will get a better user friendly experience on this platform.
– On the EPFO ​​3.0 platform, you will be able to track important details related to your PF balance, status and contribution in real time.
– This will make EPFO ​​services more convenient and accessible.

PF Withdrawal from ATM

– After the launch of EPFO ​​3.0 platform, PF account holders will now get the facility to withdraw their PF funds from ATM.
– However, to avail this facility, you need to activate your UAN number.
– Apart from this, your bank account will have to be linked with Aadhaar card.

Instant withdrawal facility will also be available through UPI

– After the launch of this platform, you will be able to withdraw your PF through UPI as well.

– After availing this facility, PF can be withdrawn immediately through UPI in case of emergency.

– EPFO ​​3.0 platform will prove to be very beneficial for employees.

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EPFO i.e. Employee Provident Fund Organization is a very big pillar of future savings and security of employees in India. However, many times people have to face problems in its claim process, such as the claim getting rejected or getting delayed. Let us know 5 such reasons due to which your EPF claim can be rejected.

Filling in incorrect information

If you have filled any information in the claim form incorrectly such as your name, bank account number, or job details, then your claim can be rejected immediately. So be very careful while filling the form.

Non-receipt of information from EPF records

Many times the information given by you does not match with the records of EPFO. For example, your age or name is different in the records and you have filled something else. Due to this difference also the claim gets stuck.

Wrong reason for withdrawing funds

There are certain rules for withdrawing money from EPF, such as marriage, illness, house building or retirement. If the reason you have given is not correct according to these rules, then your claim will not be approved.

Non-payment of employer contribution

This is a big problem. If your employer has not deposited the amount required to be deposited in EPF on your behalf on time or has not deposited it in full, then your claim may be rejected. For this it is necessary that your employer makes the correct and timely contribution.

UAN not linked

Your UAN (Universal Account Number) is your identity. It is important that this number is linked to your Aadhaar card and bank account. If it is not, EPFO will not accept your claim. Therefore, getting these things linked is the first thing to do.

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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.

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In such a situation, if you have raised a claim to withdraw money from your PF account for any need or are preparing to do so, then this question will definitely come to your mind that when will you get the money after the claim? Let us tell you that according to the official website of EPFO (Employees’ Provident Fund Organization), all claims made under auto-settlement mode, which has no manual, will be settled digitally within 3 days or 72 hours. Let us tell you that claims to withdraw money from PF for treatment of illness, education of children, marriage and buying a house come under auto-settlement.

Manual settlement may take time

If you have made a manual claim to withdraw money from your PF, then it may take 15 to 30 days for its settlement. However, if your claim is not settled within 20 days, you can contact EPFO’s helpline number 1800-180-1425 or file a complaint on the EPFO website.

You can withdraw money up to Rs 5 lakh

Let us tell you that EPFO has increased the amount of auto-settlement mode from Rs 1 lakh to Rs 5 lakh to provide relief to its subscribers. According to EPFO, money can be withdrawn from PF account for purchase of house/flat/construction of house, which also includes acquisition of land. If an employee has not received salary for more than 2 months continuously, then he can also withdraw money from PF.

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This new method has been introduced so that there is no mistake and employees do not have to face any hassle. UAN is a unique number of your PF account. Without it, you cannot withdraw your PF money, check your balance or change your information.

EPFO has introduced three new services

EPFO has launched three new features in the Umang app. First, if you want a new UAN, you can create it and activate it immediately. Second, if your UAN is already created but not active, you can activate it. Third, if your UAN is already active, you can use it by recognizing your face. For these features, you only need Aadhaar card and Umang app. You can download this app for free from Google Play Store.

You can do all this yourself from your smartphone, without any help from anyone. If your company wants to create UAN, then it can also use this app. You can also download the UAN card in PDF.

How to use this facility:

The method of creating UAN is very easy. First of all, open the Umang app and click on the option of ‘UAN Allotment and Activation’.

Then enter your Aadhaar number and the mobile number linked to it.

To consent, check a box and click ‘Send OTP’.

An OTP will be sent to your phone, enter it and verify.

If necessary, download the Aadhaar Face RD app.

Then select the facial recognition option.

The camera will open in the app, which will scan your face.

After scanning, the edge of the screen will turn green.

If your face matches the Aadhaar data, the system will immediately create a new UAN and send it to your mobile via SMS.

Employees got big relief

This new facility is a big relief for employees. Earlier, to create UAN, the company had to send your data to EPFO. Sometimes there were mistakes in the name, mobile number or other information, due to which problems arose later.

Now this problem will end with facial recognition. Labour and Employment Minister Mansukh Mandaviya said that this is a big digital step for employees. In 2024-25, 1.27 crore UANs were created, but only 35% were activated. With this new technology, now more people will be able to activate their UAN easily. This facility will save time and make PF related services even easier and more reliable.

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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.

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Let us know why EPFO has issued this warning, under what circumstances PF money should be withdrawn and what are the disadvantages of withdrawing PF money prematurely.

Why is it wrong to withdraw PF for unnecessary expenses

PF is a means of financial security for your life after retirement. This money is compounded in the long run. This means that interest is also earned on its interest. In such a situation, PF creates a strong fund in the future. But many times people withdraw PF for holidays, shopping, festivals or other non-emergency needs. These withdrawals may provide immediate relief, but weaken future security.

Under what circumstances is withdrawal correct

EPFO has put some situations in the valid withdrawal category. Such as buying or constructing a house, children’s education or marriage, medical emergency, or long-term unemployment. In these cases too, the withdrawal limit is fixed and documentary formalities are necessary. EPFO has also made a rule that how many times you can withdraw money from PF for which reason.

When is a recovery situation created?

If a member withdraws funds for a false reason or submits incorrect documents, EPFO can ask for the withdrawal amount back. For example, a person has to go on a trip but withdraws money by making an excuse of medical emergency. Also, it is possible that the pension of that person may be reduced later. In such cases, both the employer and the employee can be held accountable.

How does EPFO do recovery?

EPFO has the capability to cross-verify its records and data. If a member withdraws funds citing a wrong reason, the department can later consider that withdrawal as ‘unapproved’ and take recovery action. This may include steps like demanding the money back along with interest, sealing the account or blocking future withdrawals.

How to avoid unnecessary withdrawals?

If PF is being deducted from your salary every month, then it is an important part of your retirement planning. Spending it in a hurry can harm your long term financial strategy. It is better that you keep medical insurance, emergency fund and other backups ready so that PF has to be used as a last resort.

What is PF (Provident Fund)?

PF i.e. Provident Fund is a savings scheme in which employed people deposit a part of their salary every month. The company also contributes an equal amount. This money is deposited with the Employees Provident Fund Organization (EPFO) and also earns interest. Employees can withdraw it during the job or after retirement, which provides financial security after retirement.

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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. 

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Currently, money can be withdrawn from PF only for certain reasons, such as treatment of illness, buying a house, children’s education or marriage. In these also, one cannot withdraw more than a fixed limit.

New proposal: The government is thinking of allowing an employee to withdraw a large sum (maybe up to 60% to 70%) from his PF account at one go if he works for 10 years continuously.

Three chances: With the introduction of this rule, an employee will be able to withdraw such a large amount three times during his entire job. Suppose someone starts a job at the age of 25, then he will be able to withdraw this amount at the age of 35, 45 and 55.

What are the rules now?

Nowadays, most of the money deposited in PF can be withdrawn either two months after leaving the job, or on retirement at the age of 58.

Who will benefit?

About 7.5 crore (7.5 crore) employee-members of EPFO (Provident Fund Organization) will be able to benefit from this new rule. They will be able to get more money when needed.

But… there is a big disadvantage too

Retirement money will be less: If employees withdraw large amounts from PF intermittently, then it is obvious that when they retire, there will be less money left in their account.

Disadvantage of interest: PF is a means of saving for a long time and getting good interest on it. Withdrawing money in between will reduce the benefit of compound interest. This means that your deposited money will not grow as fast.

Future worries: The financial security that PF provides after retirement may be weak.

The government is going to allow you to withdraw more money from PF if needed, so that your problems can be eased. But remember, by doing this, less money will be left in your account at the time of retirement and you will also get less benefit of interest. That is, you should decide to fulfill today’s needs keeping in mind the security of your future.

Easy way to withdraw money from PF (online):

1. Login: Visit the EPFO website (www.epfindia.gov.in/). Login by entering your UAN (Universal Account Number) and password.

2. Update KYC: Make sure your Aadhaar, PAN and bank account details are linked with UAN and verified.

3. Select Form: Go to the Online Services section and select the correct form as per your requirement (e.g. Form 31 – for partial withdrawal, Form 19 – for final settlement).

4. Fill in the details: Fill in the form with the reason for withdrawal and the amount you want to withdraw (for Form 31).

5. Submit: Click on ‘Apply’. An SMS will be sent to your registered mobile number.

6. When will the money arrive: Usually the money reaches your linked bank account within 15 to 20 working days.

The post EPFO Allows Bigger Pre-Retirement PF Withdrawals – Know the New Rule 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.

Interest money has been deposited in the accounts of about 97 percent of the members. Union Labor Minister Mansukh Mandaviya said that EPFO ​​will deposit 8.25% interest for FY 2024-25 in the accounts of all the members by the end of the week. Every year, after approval from the central government, EPFO ​​​​adds interest to the accounts of its crores of members.

8.25% interest approved

The government approved the 8.25% interest rate for the financial year 2024-25 on 22 May 2025. After this, EPFO ​​started preparations and started updating the annual accounts from the night of 6 June. Mandaviya said that this year the accounts of 33.56 crore members of 13.88 lakh institutions had to be updated. Till July 8, interest has been deposited in 32.39 crore accounts of 13.86 lakh establishments.

Due to improvement in the system, most of the work was completed in June
The Union Minister said that the update of 99.9% establishments and 96.51% member accounts has been completed. Last year (2023-24), the process of depositing interest started in August and was completed by December. But this year, due to improvement in the system, most of the work has been completed in June itself. The remaining accounts will also be updated this week. The decision to keep the interest rate at 8.25% was taken in the 237th meeting of the Central Board of Trustees of EPFO ​​held in Delhi on 28 February 2025. This meeting was chaired by Mandaviya. After this, the proposal was sent to the Finance Ministry for final approval.

The specialty of EPF

is that EPF gives higher and stable returns as compared to other investment schemes of the government. Investing in it helps in increasing savings for retirement. In February 2024, EPFO ​​increased the interest rate from 8.15% to 8.25% for 2023-24. Earlier in 2021-22, the interest rate was reduced to 8.1%, which was the lowest interest rate since 1977-78. Mandaviya said that the system is being further improved by EPFO, so that the process of depositing interest is faster in future.

How to check interest money

The Employees Provident Fund Organization (EPFO) has transferred interest at the rate of 8.25% for the year 2024-25 to the accounts. To check the interest money in your account, you can use the following easy methods.

Check passbook on EPFO ​​portal

• First of all go to the official website of EPFO ​​www.epfindia.gov.in.
• Now go to ‘For Employees’, click on ‘For Employees’ under ‘Our Services’ on the homepage.
• Click on ‘Member Passbook’: Select ‘Member Passbook’ in the ‘Services’ section.
• To login here, enter your Universal Account Number (UAN), password and captcha code.
• After logging in, click on your member ID. Here you can see the interest and balance deposited in your account.
• Now you can download the passbook in PDF format.

Check with Umang App

• First of all download Umang App on your phone.
•  Now select EPFO ​​in it. Click on ‘EPFO’ option in the app.
•  Select ‘View Passbook’, go to ‘View Passbook’ in ‘Employee Centric Services’.
•  Login with your UAN and OTP (sent on registered mobile number).
• Now you will be able to see your account balance and interest in the passbook.

Via SMS

• First of all send a message from your registered mobile number to 7738299899.
•  EPFOHO UAN HIN (Instead of HIN, enter the code of your preferred language, like ENG, TAM etc.)
•  You will get information related to your PF balance and recent deposits through SMS.

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The Employees’ Provident Fund Organisation (EPFO) has announced a major relief for its over 7.5 crore members. Union Labour and Employment Minister Mansukh Mandaviya had said on June 24, 2025 that EPFO ​​has increased the auto-claim settlement limit of PF (Provident Fund) from Rs 1 lakh to Rs 5 lakh. This move will prove to be a boon for those who need money urgently in emergencies.

This new rule of EPFO ​​will make the method of withdrawing funds easier and faster. This auto-claim facility, which was started in 2020 during the Covid-19 pandemic, earlier helped in withdrawing funds for illness. Now it has been further expanded. Now claims up to Rs 5 lakh can also be settled automatically for important works like education, marriage and house construction.

Features of EPFO ​​Auto Claim

• Faster processing: 95 percent of claims are now settled within 3 days, which previously took 10 days.
• Withdraw through UPI and ATM: By May-June 2025, EPFO ​​members will also be able to withdraw money through UPI and ATM.
• Less Rejection: The claim rejection rate has come down from 50% to 30%. This simply means that the chances of the claim being approved are now higher.
• Less hassle: If KYC is complete and Aadhaar, PAN card and bank details are linked, the claim will be processed without any documents.

How to take advantage?

Log in to your UAN portal, verify your KYC, and file a claim online. With just a few clicks, the money will be in your account. Your UAN should be linked to Aadhaar. If so, you won’t need the employer’s approval to update the bank details.

EPFO aims to settle all claims like pension, insurance and PF withdrawal within 72 hours. For this, new technologies like AI and machine learning are being used, which will further improve the experience of your fund holders.

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The post EPFO auto claims: EPFO ​​has increased the auto-claim settlement limit of PF from Rs 1 lakh to Rs 5 lakh. 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.

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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.

This decision will especially provide relief to those unorganized and contract workers whose UAN has not been activated till now or who were facing difficulty in joining within the earlier deadline. This will provide additional time to avail the benefit of ELI (Employees’ Life Insurance) scheme.

What is ELI or EDLI scheme?

The post EPFO ​​extends deadline for UAN activation, lakhs of employees will get relief; know full details 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.

EPFO Update: The Employees’ Provident Fund Organization (EPFO) has made several important changes to make PF related services easier, transparent and digital. These new rules will directly benefit crores of EPF members and employers. Whether it is transferring PF, generating a new UAN or filing an online claim, now all this has become faster and easier than ever. EPFO ​​has also removed the requirement of Aadhaar in some cases and has also included new technology like face authentication. Let us know about these big changes related to EPF in detail.

Now it is easy to transfer PF

EPFO has revamped Form 13, making it easier to transfer PF account after changing jobs. The new form will clearly show the taxable and non-taxable part of PF interest, which will bring transparency in tax calculation and tracking. This change will help employees track their money and avoid tax-related errors.

Now UAN will be created without Aadhaar and Face ID

Now in certain cases, employers can generate UAN for employees even without Aadhaar number. Also, EPFO ​​has introduced face authentication facility in UMANG app through which UAN can be generated and activated instantly. This technology makes the process of activating UAN completely digital and easy, which will provide convenience to new and old employees.

Adding bank account also became easy

There is no need to upload a photo of the check book or passbook while filling the EPF claim form if your bank account is already linked to UAN and verified by NPCI. Also, the requirement of employer’s approval for linking a bank account has also been removed. This will process the claim quickly and the chances of the form being rejected will also be reduced.

The post UAN can be made without Aadhaar, Form-13 also updated, EPFO ​​has made these big changes first appeared on Rightsofemployees.com.

Let us tell you that when partial PF withdrawal is to be made from EPFO, the employees have to fill Form No. 31. Along with this, the employee has to fulfill some important conditions. This is being explained below.

Necessary condition for withdrawing PF

• To withdraw PF from EPFO, your UAN number must be active. Along with this, the mobile number you have linked should also be active. Only after this you can withdraw PF from EPFO.
• To withdraw PF, your Aadhar card must be seeded in the database of EPFO ​​account, because when you submit Form 31 for PF, UIDAI sends OTP for eKYC. When you complete e-KYC, only then your PF is processed further.
• Member’s bank account with IFSC code should be seeded in EPFO ​​database
• If a member’s service period is less than 5 years, he should enter the PAN number in the EPFO ​​database in PF final settlement claims
• Additionally, the joining date of the member should be available in the EPFO ​​database

When can you withdraw PF

• When customer has a housing loan / purchase of site / house / flat or construction / addition
• Factory lockout or closure
• When a member or family member is sick
• Marriage of self/son/daughter/brother/sister
• Post-matric education of children
• When there is a natural disaster
• Power outage at the establishment
• Purchase of equipment by the physically challenged

Additionally, one can also choose to invest in Partial Debt (when age is above 54 years) and Senior Pension Insurance Scheme (when age is above 55 years) one year before retirement.

The post EPFO: Now you can withdraw money from PF for these works, here is the easiest way 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.

This change is beneficial for all those employees who change jobs or have more than one PF account. Let’s understand the new changes:

What changed in Form 13?

1. Single-step transfer process: Earlier there was a 3-level processing for PF transfer, which has now been removed. Now only after the claim is approved at the source office (from where the PF account is being transferred), the money will be directly added to the new account. There will be no need for re-processing at another office.

2. Old PF balance and pension service period will be automatically added: Once the approval is received from the source office, the employee’s PF balance and pension service period will be automatically added to the new account.

3. Time will be saved, service will be faster: As per the EPFO ​​directive dated April 25, the new process will help in processing transfer claims faster and make office work easier.

Special features of the new Form 13

As soon as you open Form 13, you will see details of employee’s KYC (old and new office), PF balance, contribution, interest calculation, and taxable/non-taxable amount together. If the PF account is being transferred to a new organization, it will be easy to match the old and new KYC information. Tax related details will be entered separately in this, which will increase transparency. A unique ID will be generated for every transaction, which will reduce the risk of fraud.

How will the new process work?

Step 1: The employee will fill Form 13 and submit it to the old office (where his PF account was earlier).

Step 2: The claim will be approved after all the verifications are done at the old office.

Step 3: The approved amount and the taxable portion will be automatically added to the new account.

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Regarding this, the Ministry of Labor and Employment is considering all the options under which more benefits can be provided to the employees. In talks with stakeholders (e-commerce) companies, the Ministry of Labor has proposed to take a grant from them every month in the interest of employees. This grant will be deposited in equal proportion in the Employees Provident Fund (EPFO) and State Employees Insurance Corporation (ESIC).

The Ministry of Labor wants that temporary employees and their families should get medical and other benefits along with pension. The amount deposited in ESIC will work to secure their future. This amount will go to their pension fund, through which employees will be able to get a fixed pension after the age of 58 years. At the same time, they will also get the benefit of accident coverage through the amount deposited in the ESIC fund. For example, in case of disability or death, the family will get a fixed financial benefit.

Review of other schemes is also underway

Sources say that the ministry is also reviewing the pension schemes operating across the country. It is being seen what is special about which pension scheme and which scheme is being liked the most. In such a situation, the good experiences of the already operating pension schemes will also be included in the social and health facilities provided to gig workers.

Ministry is in favour of monthly grants, not profit

Gig workers will not have to pay any kind of grant to avail the benefits of social and health facilities. This grant will be taken from e-commerce companies or those organizations which are employing temporary employees. Under the provisions of the Social Security Code-2020, companies will have to contribute to the Corporate Social Responsibility Fund. This grant will be one to two percent of their profit or turnover.

Now the ministry says that we are not in favor of taking grants as profit, because the profit will be estimated after one year, which will be verified by the CA. In such a situation, the ministry does not want to look at the accounts of any company. Then deposit money on the basis of profit. Therefore, it has proposed that companies should deposit the grant in the accounts of gig workers in a fixed ratio every month.

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He said that EPFO ​​is preparing for a major digital change to expand services for more than nine crore beneficiaries and its Edition 3.0 will be launched by May or June.

What are the facilities

Mansukh Mandaviya said that in the coming days, EPFO ​​beneficiaries will be able to withdraw funds from ATMs due to faster settlement of claims on the new Edition 3.0. He said that seamless and simplified services including automatic claim settlement, digital reform and ATM-based fund withdrawal will be provided. The aim of this change is to make EPFO ​​accessible and efficient.

The new addition will eliminate the complex and lengthy process of filling up applications or visiting offices for claims and corrections. Beneficiaries will be able to update their EPFO ​​accounts and request and monitor their pension eligibility or withdraw funds using OTP verification. Due to quick settlement of claims, funds will be available in the beneficiary’s bank account very quickly, he said.

27 lakh crore fund

Mandaviya said that EPFO ​​currently has a fund of Rs 27 lakh crore with ‘government guarantee’ and it pays 8.25 percent interest. The centralized pension payment system already implemented benefits more than 78 lakh pensioners, as it allows them to receive pension in any bank account across the country. At the same time, the need to keep accounts in designated regional banks has ended.

The government is also considering integration of various social security schemes, including Atal Pension Yojana, Pradhan Mantri Jeevan Bima Yojana and Shramik Jan Dhan Yojana, to streamline and strengthen pension coverage.

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Face Verification Rules

-Now EPFO ​​subscribers can avail Universal Account Number (UAN) and related services through face verification. Recently, Union Labor Minister Mansukh Mandaviya has launched upgraded digital services for allocating and activating UAN of Provident Fund through face verification.

Now employees can directly generate their UAN using Aadhaar Face Verification Technology (FAT) with the help of ‘Umang’ mobile app. Any employer can use Umang app to generate UAN using Aadhaar FAT for any new employee. Members who already have UAN but have not activated it yet can now easily activate their UAN through Umang app.

No need to upload picture of cheque

– EPFO ​​has also made changes in online claims of PF. Interested applicants do not need to upload the picture of cancelled cheque and their bank accounts do not need to be verified by employers. Currently, EPFO ​​members have to upload the verified photo copy of cheque or passbook of bank account linked to UAN or PF number while applying for online withdrawal of funds from PF accounts.

– Similarly, employers are also required to approve the applicant’s bank account details. Now approval is not required even in case of employers. These two requirements have been abolished to ensure ‘ease of living’ for EPF members and ‘ease of doing business’ for employers.

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You can avail this service through UMANG app, and avail all the services of EPFO ​​like viewing passbook, updating KYC and submitting claims. But the question is how will all this happen? Let’s understand.

Why was there a problem with UAN activation earlier?

Till now, there were many problems in activating UAN. Sometimes correct information was not available, sometimes there was a problem with OTP, and sometimes there was a mistake in Aadhaar data. Many times the UAN did not reach the employee, and even in the one that reached, the mobile number was wrong or missing. Now this process has been made so simple that without any paperwork, just a smartphone in your hand and a few clicks, and your UAN will be activated. The figures also show the same thing—out of 1.26 crore UANs, only 44.68 lakh were activated in 2024-25. That is, only 30% UANs were working. Now with this new technology, it is expected that this figure will increase rapidly.

How to activate UAN through UMANG app?

Now how will all this happen? Through the UMANG app. Yes, the same UMANG app that the Government of India has created for the citizens, where all the government services are available on a single platform. Now, for UAN activation you just have to follow some easy steps.

• Download UMANG App: First of all download UMANG App from Playstore.
• Download AadhaarFaceRD app: Then download the AadhaarFaceRD app also.
• Go to UAN Services: Open UMANG app and go to “UAN Allotment and Activation”.
• Enter Aadhaar and mobile number: Enter Aadhaar number and the mobile number linked to that number.
• Enter OTP: After entering the OTP, tick the checkbox to give consent.
• Use face detection: Take a Live Photo of yourself with the camera—and as soon as the green outline appears, your photo will be captured.
• UAN will be activated: Now your UAN will be activated after matching with the Aadhaar database and will be sent to your registered number via SMS. You can also download it from the UMANG app or EPFO ​​portal.

That’s it, now you don’t need to take help from anyone. You can generate and activate UAN yourself without the help of the employer.

Facial recognition will provide more security

Activating UAN through facial recognition can prove to be a killer trick. There could be some error in traditional methods like OTP or demographic verification, but the verification done through facial recognition will be completely correct and secure. This will ensure that no fraud takes place and your UAN remains completely safe.

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Till now, the employee’s UAN was generated after the HR department of the institution where he works sent the data to the EPFO. Now, as this work is done on the app itself, employees will not have to depend on the HR department.

According to the Ministry of Labour and Employment, Aadhaar details have been verified, but errors in information such as father’s name, mobile number or date of birth were common. These errors often require correction during the claim process or while using other EPFO ​​services. Of the 1.26 crore UANs allotted in FY 2024-25 alone, only 44.68 lakh (35.30 per cent) were activated by the members.

All employees can use this facility

This service can be used by both employees and employers. It provides 100 percent validity of Aadhaar and user using face authentication and user data is pre-filled directly from the Aadhaar database. According to EPFO, the user’s mobile number is matched with the mobile number registered with Aadhaar and UAN activation is also completed on the EPFO ​​portal during the generation process.

Companies did not show interest

According to EPFO, “Several reminders were given to employers to activate their UAN using Aadhaar OTP so that any future benefits under the employment linked scheme can be provided using DBT.” EPFO ​​further said that in many cases, the UAN was not even told to the employee and many had missing or incorrect mobile numbers, making direct communication difficult. Moreover, UAN activation through Aadhaar OTP verification on the EPFO ​​member portal was a separate process that had to be completed by the member, leading to confusion.

At the time of joining the job, the employee can submit the PDF of the e-UAN card and a copy of the UAN to the employer to join EPFO. This instantly unlocks access to EPFO ​​services like viewing passbook, updating KYC, submitting claims and other services.

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This change will benefit 8 crore members and will speed up claim settlement. Earlier this facility was available to some members…

New Delhi. The Employees’ Provident Fund Organization (EPFO) has made the process of withdrawing PF easier. Now if a person wants to withdraw PF online, he will not need to upload a photo of a canceled check or get the bank account verified by the employer. This change will benefit about 8 crore EPFO ​​members and the settlement of claims will be faster. Also, the process will become easier for employers as well.

Earlier, EPFO ​​members had to upload a photo of a cheque or passbook linked to their bank account to withdraw PF online. Apart from this, the employer also had to verify that account. But now both these requirements have been abolished, which has made the claim process more simple. The Labor Ministry said that this change has been made especially to ensure ‘ease of living’ for EPFO ​​members and ‘ease of doing business’ for employers.

This facility was first started on a trial basis for select KYC-updated members from 28 May 2024. During this period, more than 1.7 crore EPFO ​​members benefited from it. After successful testing, this facility has now been implemented for all members, making the process of withdrawing PF faster and easier than before.

What is EPFO

​​Employees’ Provident Fund Organization (EPFO) is a major organization of the Government of India, which manages the matters related to the Provident Fund (PF) of the employees of the country. It works under the Ministry of Labor and Employment and its main objective is to provide financial security to the employees of the organized sector after retirement.

Key features of EPFO

​​Provident Fund (PF) Account – EPFO ​​deducts a fixed amount from the salary of every employee and deposits it in the PF account, in which the employer also contributes.
Pension Scheme – Employees’ Pension Scheme (EPS) also comes under EPFO, which provides pension after retirement.

Insurance Scheme – It also includes Employee Deposit Linked Insurance (EDLI) scheme, which provides financial assistance to the family on the death of the employee.
Online Services – EPFO ​​provides facilities like online PF balance check, PF transfer and withdrawal.

UAN Number – EPFO ​​​​gives a Universal Account Number (UAN) to every employee, through which he can access his PF information anytime.

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Union Labor and Employment Minister, Dr. Mansukh Mandaviya said that this will directly benefit crores of people associated with EPFO.

8.78 crore people will get this benefit

At present, more than 8 crore people are members of EPFO ​​and there are more than 78 lakh pensioners. In such a situation, a total of 8.78 crore people will get direct benefit from this decision. Now they will be able to avail their pension and PF services from any bank. Earlier pensioners had to open accounts only in a few selected banks, but now this compulsion has ended.

The Union Minister said that the country’s social security is getting stronger under the leadership of Prime Minister Narendra Modi. He said that 10 years ago the social security coverage was only 24%, but now it has increased to 48%.

Soon you will be able to withdraw PF money instantly through UPI and ATM

EPFO is going to make another big change, due to which by May or June 2025, employees will be able to withdraw PF immediately through UPI and ATM. This means that now there will be no need to go through a long process. Till now, to withdraw PF, one had to submit an online claim, which could take several days or weeks. But after the introduction of the new system, you will be able to see your PF balance directly on the UPI app and transfer it to your bank account immediately.

Facility to withdraw up to Rs 1 lakh from UPI

Labor Ministry Secretary Sumita Dawra said that EPFO ​​is working on a plan to link PF withdrawals up to Rs 1 lakh with UPI soon. As soon as this facility is started, employees will be able to withdraw their PF amount without any delay.

This step of EPFO ​​is a big change in the direction of Digital India, which will benefit crores of employees and make their lives easier.

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Earlier this limit was Rs 1 lakh, which has now been increased. With this, EPFO ​​members will be able to easily withdraw money for needs like medical emergency, education, marriage and buying a house.

EPFO members can now withdraw Rs 5 lakh

Labor and Employment Ministry Secretary Sumita Davra approved this recommendation in the 113th meeting of the Central Board of Trustees (CBT) held in Srinagar on March 28. Now when it gets its final approval from the CBT, EPFO ​​members will be able to withdraw up to Rs 5 lakh for education, marriage, house and treatment.

What is automated claim process?

EPFO started an automated claim system for illness expenses in April 2020. In May 2024, its limit was increased from Rs 50,000 to Rs 1 lakh. Now this facility has also been implemented for education, marriage and buying a house.

The specialty of this process is that 95% of the claims are settled in just 3 days. As of March 6, 2025, EPFO ​​has done 2.16 crore auto-claim settlements, which is many times more than the 89.52 lakh claims in 2023-24. This has also reduced the claim rejection rate from 50% to 30%.

The process of withdrawing money from PF will now be easier

EPFO has started auto-claim solution through IT system without any human intervention. Earlier there were 27 types of verification processes, which have been reduced to 18 and there is a plan to reduce it further.

Now, claims with KYC, eligibility and bank validation from the centralized IT member database can be automatically settled in 3-4 days. Cases where verification cannot be done through the system will be investigated separately.

Now you can withdraw PF through UPI and ATM also

EPFO is now preparing to bring Unified Payments Interface (UPI) and ATM facility to make the method of withdrawing PF easier. The Ministry of Labor and Employment has approved the recommendation of NPCI, which plans to link PF withdrawal with UPI and ATM by May-June 2025.

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This limit has increased from Rs 1 lakh to Rs 5 lakh. According to sources, this step will ease the 7.5 crore members of EPFO. Secretary of the Ministry of Labor and Employment Sumita Dawra approved this proposal. This approval was given in the 113th meeting of the Central Board of Trustees (CBT) in Srinagar, Jammu and Kashmir. The meeting was held on March 28.

Sumita Dawra said that this change will make the lives of crores of PF members easier. After this approval, the recommendation will be sent for final approval of CBT. After getting the approval, EPFO ​​members will be able to withdraw up to Rs 5 lakh through auto-settlement process. Auto settlement claim is a system through which claims get settled automatically. It takes less time and there is less human intervention. The auto-settlement process of EPFO ​​has become very fast. As of March 6, 2025, a record 2.16 crore auto-claims were processed. Last year this figure was only 89.52 lakh. Now 95% of the claims get settled automatically within three days.

what will be the benefit

Central Provident Fund Commissioner Ramesh Krishnamurthy said that the auto-settlement process has made claim settlement very easy. This has reduced time and human intervention. We are committed to improving this process even further. Our goal is that all members can easily withdraw PF funds. EPFO ​​has also increased the number of categories for which advance claims can be automatically settled. Now claims for illness, education, marriage, home and other needs will also be automatically settled. Due to improvement in the system, the rate of claim rejection has also reduced. Last year this rate was 50%, which has come down to 30% this year.

UPI withdrawal for PF members

Along with this, EPFO ​​will soon facilitate withdrawal of Provident Fund (PF) through Unified Payments Interface (UPI) and ATM. The Ministry of Labor and Employment has approved this scheme. Members will be able to access their funds through UPI and ATM by the end of May or June 2025. Sumita Dawra said that this new system will make it even easier for members to access their PF savings instantly through UPI and ATM. This is an unprecedented move that will set a precedent for other government savings schemes, such as the General Provident Fund (GPF) for government employees and the Public Provident Fund (PPF) for bank customers.

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Claim settlement will also now happen in 3-4 days instead of 10 days. At the same time, now PF auto-claim facility will also be available for marriage, education and house purchase. Earlier auto-claim was available only for illness and hospital expenses. According to a report by news agency ANI, this decision was taken in the 113th meeting of the Central Board of Trustees (CBT) chaired by Sumita Dawra, Secretary, Ministry of Labor and Employment. This meeting was held in Srinagar on 28 March.

This facility will start as soon as the Central Board of Trustees (CBT) of the Employees’ Provident Fund Organization approves it. After which employees will be able to withdraw their PF easily. Last week, Labor and Employment Secretary Sumita Dawra said that the ministry has approved the recommendation of NPCI and members can withdraw PF through UPI and ATM by the end of May or June this year.

What will be the benefit

According to EPFO, 95 percent of claims will now be auto-processed. This will ensure that employees get their PF money immediately. Paperwork will be reduced. Earlier there were 27 steps to get a PF claim, now there are only 18 and soon there will be only six steps left.

Withdrawal from UPI and ATM

The Employees’ Provident Fund Organization (EPFO) is going to make a big change by the end of May or early June 2025. With this new change, EPFO ​​​​members will be able to withdraw their Provident Fund (PF) instantly through UPI and ATM. Sumita Dawra, Secretary, Ministry of Labor and Employment, gave this information a few days ago. He told that members will also be able to check their PF balance directly on the UPI platform and transfer funds to their preferred bank accounts without any delay. This will make it easier for employees to access their money in times of need.

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Its limit will be up to one lakh rupees. Secretary of the Ministry of Labor and Employment Sumita Dawra gave this information on Wednesday.

What is the detail

Labour and Employment Ministry Secretary Sumita Dawra said that employees will get immediate access to their PF funds, with withdrawal limits up to Rs 1 lakh. She told news agency ANI that by the end of May or June, EPFO ​​members will be able to check their PF balance directly on UPI. Also, they will be able to withdraw funds immediately through an automated system.

How to withdraw money from ATM and UPI?

Let us tell you that in this new process, EPFO ​​will issue a special ATM card to its members, which will be linked to their PF account. Using this card, members will be able to withdraw money directly from their PF account from any ATM across the country. The withdrawal limit can be up to 50% of the total PF balance, ensuring that sufficient funds can be saved for retirement. Apart from this, to withdraw money from UPI, you have to link your PF account to UPI. After this, subscribers will be able to transfer PF money to their bank account. This facility will prove to be a boon for those who suddenly need money.

What is the current process, it is long

Let us tell you that currently it takes up to 2 weeks for EPFO ​​members to process online claims. EPFO ​​members have to submit claims online and wait for approval. This takes up to 2 weeks. However, now with UPI integrated, employees will be able to check their balance and also withdraw money instantly.

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Employees contribute 12% of their basic salary to this scheme, in which employers also contribute. This fund earns interest every year and this interest rate is decided by the government. Did you know that you can take a loan against your PF balance?

Can loan be taken against PF balance?

EPF scheme helps in creating a big fund for retirement. If needed, employees can withdraw up to 50 percent of the money in PF. Employee Provident Fund Organization (EPFO) allows withdrawal of money for personal emergency, buying a house, medical emergency, marriage. This facility is called EPF loan.

How to apply for EPF loan?

The process of applying for EPF advance online is very simple. Employees can apply through the EPFO ​​portal.

• Visit the official website of EPFO ​​(Unified Member Portal) and login by entering UAN, password and captcha.
• Select Online Services > Claim (Form-31, 19, 10C) option.
• Fill in the required information like name, date of birth and bank account details.
• Select the withdrawal reason from the dropdown menu.
• Enter the amount and submit the application.
• Upload the document and verify it with Aadhaar based OTP.
• EPFO will transfer the money within 7-10 working days after reviewing the application.

Who can take PF Advance (EPF Loan)?

• To get EPF advance, some necessary conditions have to be fulfilled.
• The employee must have a valid UAN (Universal Account Number).
• The employee should be an active member of EPFO.
• For withdrawal, it is necessary to fulfill the criteria set by EPFO.
• The withdrawal amount should be within the prescribed limit.
• The minimum service period condition must be fulfilled.
• Under what circumstances can you withdraw money from EPF?
• Medical Emergency
• Withdrawal can be made for treatment of self, parents, spouse or children.
• Withdrawal for marriage
• Withdrawal can be made for the marriage of self, siblings or children.
• Employees can withdraw up to 50% of their PF balance to buy or construct a house.

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Employees’ Provident Fund Organization, then it is necessary to link the Universal Account Number (UAN) with Aadhaar by March 15, 2025. EPFO ​​has extended the deadline for this work several times, so that more and more employees can take advantage of this scheme.

What is ELI scheme?

The ELI scheme was launched in the Union Budget 2024. Its aim is to promote jobs and motivate companies to hire new employees. Both companies and employees get benefits under this scheme.

There are three parts to the ELI scheme:

Scheme A: Companies hiring fresh graduates will get a subsidy of Rs 15,000, which will be given in three instalments.

Scheme B – Special for the manufacturing sector, where new recruits will get an incentive of Rs 3,000 per month for 2 years.

Scheme C – Incentives will be given to increase workforce in different industries. The government will soon issue its rules.

Why is it necessary to link UAN with Aadhaar?

According to the EPFO, linking UAN (Universal Account Number) with Aadhaar can provide employees several benefits:

You can check your PF passbook online.

You can claim online.

The benefits of government schemes will be available directly in the bank account.

There is no need to open a new PF account if you change jobs – the old account will continue to be valid.

How to link UAN with Aadhaar?

• Visit the EPFO ​​portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
• Click on Activate UAN.
• Enter UAN number, Aadhaar number, date of birth and mobile number.
• Verify through OTP.
• Set password and activate UAN.

What happens after the deadline?

If you do not link UAN with Aadhaar by March 15, 2025, then you will not get the benefit of ELI scheme. It is also possible that the government may extend its deadline. The government has extended the deadline earlier also.

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If UAN is linked with Aadhaar, then EPF members can update their profile with personal information like name, date of birth, gender, nationality, father or mother’s name, marital status, spouse’s name, joining date and leaving date without uploading any documents. No other document will be required for this.

Earlier, members had to get approval from their employer to update their profile, which resulted in an average delay of about 28 days. This change by EPFO ​​will help 7 crore members.

These people will still have to take approval

According to a statement from EPFO, ‘Out of the total 8 lakh requests received by EPFO ​​for correction through employers in FY 2024-25, about 45% of the changes can be updated by the member himself without verification of the employer or approval in EPFO.’ However, if UAN was issued before 1 October 2017, then any update in the profile will require the approval of the employer.

Aadhaar-PAN linking is mandatory

However, members have to link their Aadhaar and PAN with their EPF account for any update or withdrawal. Any mistake between EPFO ​​details and Aadhaar can delay the approval. To overcome such problems, the process may take a few weeks depending on the approval time of the employer and EPFO.

What is UAN?

UAN is a 12 digit number that helps in monitoring the PF account. UAN is required for checking the balance in the PF account and for any other changes. To avail the Employment Linked Incentive (ELI) scheme, UAN activation and linking the bank account with Aadhaar is mandatory. 

How to update EPF profile?

• Visit the portal on the official website of EPF www.epfindia.gov.in. 
• Log in to the member portal by entering details like UAN number, password and captcha. 
• Select the ‘Manage’ option at the top of the menu. 
• Now members will have to choose the option of ‘Modify Basic Details’. 
• Enter your personal details as per Aadhaar card and submit. 
• You can track the profile update process using the ‘Track Request’ option in Lost. 

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This will ensure that there will be no two UAN numbers when an employee leaves the job or gets another job.

UAN was implemented by EPFO ​​with a very ambitious objective. Under this system, a UAN is issued to the employee. If a member leaves one job and joins another, he only has to give his UAN number at the new place. After that the amount of the old PF account is transferred to the new account, but it has been seen that two or more UAN numbers are issued in the name of one member. In such a situation, when the employee applies for PF withdrawal, the system does not know from which account he is claiming the withdrawal of funds. In such a situation, many times the claim gets rejected or the withdrawal takes a lot of time.

If there is already a UAN, a new number will not be issued. The PF account will also be activated on this UAN. If no UAN has been issued on the basis of the employee, then a new number will be issued. This process will start completely in the new system i.e. EPFO ​​3.0. However, last year the system of Aadhaar based one time password was implemented from the number, but now work is going on to make it more advanced, in which only one UAN can be opened on one Aadhaar. After this, people will not have any problem in withdrawing money from the PF account.

Mistakes occur due to not providing correct information

It has been seen in many cases that when an employee moves from the old company to the new company, the old UAN number is not given or the new company does not ask for it. Such employees are registered as new members on the EPFO ​​portal, due to which the EPFO ​​IT system issues a new UAN. Due to this, two or more UANs are allotted to the employee. Most employees consider this a normal process. But the problem arises when they withdraw from the PF account or make necessary updates in the account. These important works of theirs get stuck because due to having two UAN numbers, the details cannot be matched and verified.

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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.

The post EPFO has changed the rules, those working part-time will also get benefits first appeared on Rightsofemployees.com.

All work will be done through UAN

Union Minister of Labor and Employment Mansukh Mandaviya said that EPFO ​​3.0 version will come in the coming days, which means that EPFO ​​will become Equivalent Bank. Just like you do transactions in a bank, you deal with the bank. You have a Universal Account Number, all your dealings will be done with it. Just like transactions happen in a bank, EPFO ​​members will be able to do all the work with their UAN.

You can withdraw money from ATM whenever you want

Neither will you have to visit the government EPFO ​​office, nor will you have to go to the employer. The money is yours, you can withdraw it whenever you want. I promise that in the coming days you will be able to go to the ATM and withdraw your money whenever you want. We are doing such reforms in EPFO.

आने वाले दिनों में EPFO 3.O आ रहा है, मेरा वादा है EPFO लाभार्थी ATM से अपना पैसा निकाल पाएंगे…सरकारी दफ्तरों के चक्कर काटने नहीं पड़ेंगे। pic.twitter.com/o6RhkMyvGF

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

Continuous improvements are being made in EPFO

The Union Minister said all these things during the inauguration of Telangana Zonal Office and Regional Office of EPFO ​​in Hyderabad. He said that under the leadership of Prime Minister Narendra Modi, changes are coming in EPFO ​​and improvements are being made. Complaints are decreasing and services are increasing. He said that the functioning of EPFO ​​is now becoming people-friendly. Meanwhile, the Union Minister also mentioned many reforms like fund transfer, claim transfer, name correction and pension withdrawal from any bank.

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The post EPFO 3.0 Version: Key Points About Benefits and ATM withdrawals Allowed first appeared on Rightsofemployees.com.

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.

Meanwhile, the pension body has also introduced new rules for the Deposit Linked Insurance Scheme (EDLI). The Employees’ Provident Fund Organization has made this amendment in EDLI in the meeting of the Central Board of Trustees (CBT) held recently. Let us tell you that in this meeting, the CBT had decided to retain the EPF interest rates for the financial year 2025.

Changes in the rules for minimum insurance

EPFO has changed the rules for minimum insurance for short service. Now if a member dies before completing the service period, his family will get a life insurance benefit of Rs 50,000. This move of the pension body is expected to benefit 5,000 people every year.

In these cases, you will get the benefit of EDLI scheme

Earlier, if a member died after a long gap in EPF contribution, he did not get the benefit of Deposit Linked Insurance Scheme (EDLI). But after the change in the rule, if a member dies before 6 months from the last contribution deposited by him, then he will be given this benefit. However, it is mandatory for his name to be in the employer’s list. This amendment of EPF is likely to benefit more than 14,000 such cases every year.

Gap between one job and another will not be considered

At the same time, the third biggest change in the pension body is related to the recognition of service continuity. Actually, earlier if there was a gap of one or two days during the job like Sunday or any festival holiday, then the member did not get the benefit of EDLI. This used to happen because the continuity in service was not complete, but now a gap of up to two months between one job and another will be considered as service continuity. With this step of EPFO, members will be able to avail EDLI benefits ranging from Rs 2.5 lakh to Rs 7 lakh and it is expected to help in 1,000 cases every year.

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The post EPFO has changed many of its rules, members will get more benefit in these cases first appeared on Rightsofemployees.com.

This means that there has been no increase in the interest rate. Now a decision is to be taken on small savings schemes like Public Provident Fund and Sukanya Samriddhi for the next quarter. This decision will be taken before March 31. It is believed that the government may cut the interest rate of small savings schemes.

What is the reason

In fact, in the month of December, the Reserve Bank of India (RBI) has cut the repo rate. After this, to promote consumption, the Finance Ministry may consider reducing the rates for small savings schemes in the next financial year. Let us tell you that the interest rates on Sukanya Samriddhi have been kept at 8.2 percent and the interest rates on post office savings deposit schemes apart from PPF have been retained at 7.1 percent and 4 percent respectively.

What is the decision on EPF?

The Ministry of Labor said that the Central Board of Trustees (CBT) in its meeting on Friday has decided to give 8.25 percent interest on Employees’ Provident Fund (EPF) for 2024-25. The ministry said that the interest rate will be officially notified by the government. After this, EPFO ​​will deposit the interest rate in the accounts of the members.

According to the statement, the decision on the interest rate was taken at the 237th meeting of the Central Board of Trustees of EPFO ​​chaired by Union Labor and Employment Minister Mansukh Mandaviya here on Friday . The ministry said that compared to many other fixed income instruments, the Employees Provident Fund (EPF) offers relatively high and stable returns, ensuring a steady increase in savings. Let us tell you that in February 2024, the EPFO ​​​​had marginally increased the interest rate on EPF from 8.15 percent in 2022-23 to 8.25 percent for 2023-24.

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The post EPFO maintains interest rate on PF deposits, PPF Sukanya may also be cut like small savings schemes 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.

Now the last date for linking UAN with Aadhaar is March 15. Earlier also the government has extended the deadline of the scheme. EPFO ​​has appealed to all eligible members to complete this process on time. This government scheme benefits the company, employer and employee. This scheme is a plan to save the employees from the future and the shortage of pension and money after retirement.

EPFO issued rules for ELI scheme

The Employees’ Provident Fund Organization (EPFO) has directed all employers to activate the Universal Account Number (UAN) of their employees and link their bank accounts with Aadhaar. This process is mandatory to avail the Employment-Linked Incentive (ELI) scheme. Employers have been advised to update the information of all their employees, starting with their new employees, so that the benefits of the scheme can be availed on time. Employees can also do the work of activating UAN and linking it with Aadhaar themselves.

Why is ELI scheme necessary?

The ELI scheme was launched by Finance Minister Nirmala Sitharaman in the Union Budget 2024. Its aim is to increase employment and encourage companies to hire new employees. This scheme is divided into three parts.

Scheme A: Companies hiring fresh graduates will get a subsidy of Rs 15,000, which will be given in three instalments.

Scheme B: This is a special scheme for the manufacturing sector, under which companies will get Rs 3,000 per employee per month for two years on new recruitments.

Scheme C: Incentives will be given to increase the workforce in different industries. However, the rules for this scheme are yet to be issued by the government.

Why is it important to activate and link UAN?

EPFO has stated that UAN of all members should be linked and active with Aadhaar. This allows the employee to view the PF passbook, make online claims and update their details. Apart from this, Aadhaar linking is necessary to receive the benefits of any government scheme directly into the bank account.

How to activate UAN

• Visit the EPFO ​​portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
• Click on ‘Activate UAN’ and enter UAN number, Aadhaar number, date of birth and mobile number linked with Aadhaar.
• Verify via OTP and generate password.

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The post EPFO extends UAN activation deadline for ELI scheme to March 15 – Check Details 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.

This meeting will be chaired by Union Labor and Employment Minister Dr. Mansukh Mandaviya. Employer organizations, trade unions, central and state government officials will attend the meeting. Here the interest on PF account will be decided. Employees are hoping that the interest on PF should increase but such hopes are low.

The main decision will be on PF interest rate

However, the details of the official agenda of the meeting have not been made public yet. But according to reports, it will mainly decide the interest rate of the Employees Provident Fund (EPF) for the financial year 2024-25. Experts believe that this rate may remain at 8.25% like last year.

Impact of EPF interest rate on employees

Under the EPFO ​​Act, 12% of the employees’ basic salary and dearness allowance (DA) goes into the PF account. The employer also contributes the same amount, out of which 3.67% goes to EPF and 8.33% to the Employees’ Pension Scheme (EPS).

Benefits of EPF

Savings and Safety – EPF is a government-guaranteed scheme that helps employees save for retirement.

Tax free interest – The interest earned on EPF is tax-free (up to a prescribed limit), making it an attractive investment option.

High interest rates and fixed returns – EPF offers better and stable returns compared to other fixed-income schemes.

Emergency Financial Support – Partial withdrawal can be made from PF to meet needs like medical emergency, education, or purchasing a home.

PF interest rates in previous years

CBT decides the interest rate of EPF every year in consultation with the Finance Ministry. After this meeting of EPFO, a formal announcement will be made regarding the interest rate. Employees hope that the returns on their savings will increase. The interest rates have been like this in the last 15 years.

Annual Interest Rate (%)

• 2010-11: 9.50
• 2011-12: 8.25
• 2012-13: 8.50
• 2013-14: 8.75
• 2014-15: 8.75
• 2015-16: 8.80
• 2016-17: 8.65
• 2017-18: 8.55
• 2018-19: 8.65
• 2019-20: 8.50
• 2020-21: 8.50
• 2021-22: 8.10
• 2022-23: 8.15
• 2023-24: 8.25

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The post PF interest rate: EPFO likely to keep PF deposit rate unchanged at 8.25% for FY 2024-25 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.

You need your UAN to check your EPF account balance, withdraw money, apply for loans against your PF, or access any other services. In this article, we will talk all about the UAN activation process.

What is UAN?

UAN or Universal Account Number is a 12 digit number provided by the Employees’ Provident Fund Organisation to all the employees who subscribe to EPF. With this number, an employee can easily do all transactions relating to the EPF on the EPFO website or through the UMANG App of the Government.

Why is the UAN Important?

People change multiple jobs during their professional careers. But, the UAN or the Universal Account Number remains the same throughout. That becomes the connecting factor between your PF accounts.

When you change a job, you can give your UAN to your new employer and then the new PF contribution can be added to the same account. This makes the process of maintaining a PF account much simpler.

It makes it easier for both you and the employer to track your account and check it.

Steps to UAN Registration & Activation

In order for individuals to activate their UAN, it is mandatory that they know their UAN number, Member ID, Aadhaar number, or PAN. The procedure that must be followed by employees to activate their UAN is mentioned below:

Step 1: First, employees must visit https://unifiedportal-mem.epfindia.gov.in/memberinterface/

Step 2: Next, the employee must click on ‘Activate UAN‘.

Step 3: On the next page, the employee must enter their UAN, Member ID, Aadhaar number, or PAN.

Step 4: Next, the employee must fill up details such as name, date of birth, mobile number, email ID, and captcha.

Step 5: Once the above details are filled, the employee must click on ‘Get Authorization Pin‘.

Step 6: The employee will receive the PIN on their mobile number that has been registered with the UAN.

Step 7: On the next page, the employee must enter the OTP, check the ‘I Agree‘ disclaimer checkbox, and click on ‘Validate OTP and Activate UAN‘.

Step 8: The employee will receive password details on the registered mobile number.

Step 9: The employee must use their UAN, password, and captcha details to log in to the EPFO portal. Employees are also allowed to change the password that they have received on their registered mobile number.

Step 10: In case employees forget the password, they will be able to reset the password on the EPFO portal. However, employees will need to know their UAN in order to reset the password.

Documents Required for UAN Activation

UAN activation is a very simple process and very few documents are needed. It is generally activated when you start your career and a PF account is created. These are the documents required –

• Your Aadhaar card and number

• Your valid PAN card

• Your Bank account details and IFSC

• Any other proof of identity or address, if required

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The post UAN Registration & Activation Online 2025 – Quick step by step guide 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.

Withdraw your pension from any bank branch anywhere in the country

Union Minister Dr Mansukh Mandaviya said that after this change, pensioners will not face any problem in withdrawing their pension from any bank, any branch anywhere in the country. The direct meaning of this decision is that now EPFO ​​pensioners can withdraw their pension from any regional EPFO ​​office in the country. The centralized pension payment system has been implemented in all 122 regional EPFO ​​offices in the country.

Trying to give the benefit of advanced features of EPFO

Union Labor Minister Dr Mansukh Mandaviya said that the Centralized Pension Payment System reflects our commitment to advance EPFO ​​​​services and ensure transparency with convenience for our pensioners. The first pilot project of CPPS was successfully completed in Jammu, Karnal and Srinagar Regional Offices in October 2024. Under this, a total of 11 crore pensions were distributed to 49,000 EPS pensioners. The second pilot program was successfully completed in 24 regional offices of the country. Through these 24 local offices, pension of Rs 213 crore was distributed to more than 9.3 lakh pensioners.

A Major Milestone in Modernizing EPFO!

EPFO’s Centralized Pension Payments System is now fully operational. This modern system ensures that pensioners can access their pensions from any bank, anywhere in India swiftly and hassle-free.

Union Minister Mansukh Mandaviya shared the post

On this occasion, the Union Minister shared a post on X and informed about this. He said that through this the need for physical verification will be eliminated and pension distribution will be disbursed in a very easy way. With this rollout, we are setting a new benchmark in pension service distribution.

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The post EPS Pensioners: Centralized Pension Payments System Fully Rolled Out in All Regional Offices of EPFO 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.

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.

If you are worried about the cost of pension after retirement, if you are also worried about how you will meet your expenses at the age of 60, then this news is for you. Did you know that if you have worked in a company for even 10 years, you will get pension from there after retirement. Here we are talking about EPS pension run by EPFO, under which you will get monthly pension. Let’s know the complete information about this scheme. Let’s understand all the things when you will get pension, how much you will get and what is its eligibility.

Employees’ Pension Scheme (EPS)

The Employees’ Pension Scheme was issued by EPFO ​​on 16 November 1995. Under which a scheme was prepared to provide monthly pension to employees working in the organizational sector. Under this scheme, the pension is determined according to the number of days the employee works. If you have worked in a company for 10 years and your PF is deposited there, then let’s understand how much monthly pension you will get.

Eligibility for EPS

You will get the benefit of EPS i.e. Employees Pension Scheme only if you have worked in at least some organized sector and under this scheme you will get a minimum monthly pension of Rs 1000. However, there has been a demand for increasing the minimum pension amount to Rs 7,500 per month for many days. Apart from this, the benefit of this scheme will be available only after the age of 58 years and the most important thing is that the employee should have a PF account in which he has deposited money during his employment.

EPF members contribute 12% of their basic salary to PF through EPFO. The same amount is also deposited by the company. At the same time, the amount deposited by the company is divided into two parts, in which 8.33 percent goes to EPS and 3.67 percent goes to PF.

You will get this much pension.

Under EPS, the pension of employees is determined based on their working hours and their salary. Here we are going to tell you the calculation of pension for an employee who has worked for 10 years and whose monthly salary is Rs 15 thousand.

Monthly Pension = (Pensionable SalaryX Pensionable Service)/ 70

Pensionable Salary = Average of your last 60 months of salary

The pension of employees is determined by this formula. Let us now understand this through an example.

If you have worked in the company for 10 years and your pensionable salary is Rs 15,000, you will receive a monthly salary of Rs 2,143 from the age of 58.

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The post EPFO Pension : Even if you work for 10 years, you will get a pension of this amount, know the rules first appeared on Rightsofemployees.com.

EPFO News Update New Delhi : There is big news for the nearly 8 crore active account holders of the Employees Provident Fund Organization. EPFO ​​will start self-declaration service for account holders from June 2025. After the self-attestation facility is available in this, employees will not need to take approval from company officials to complete the KYC process.

The KYC process will be simplified.

EPFO account holders have to complete the KYC process once. In which KYC details are linked with the UAN number. Currently, the approval of the company is required to complete the KYC process. The KYC process is currently completed after the approval of the employer. Now, after the self-attestation facility is available under 3.0 from EPFO, completing the KYC process will become easier.

After the new process is started, the account holders will save time to complete the KYC process. Sometimes, due to the closure of companies, the account holders could not complete the KYC process. Due to this, the new facility will reduce the paperwork process. Due to this, the rate of rejection of EPF claims will also decrease.

The process of launching EPFO ​​3.0 is underway. This facility will be launched in it. EPFO ​​will completely improve its IT infrastructure. After the implementation of employment linked schemes, the workload on EPFO ​​will increase.

It will reduce after the launch of 3.0. After the implementation of ELI, the number of EPFO ​​account holders will go up to Rs 10 crore. Therefore, if the IT infrastructure is improved, EPFO ​​can provide better services to its members.

PF amount can be withdrawn without claim

The Ministry of Labour and Employment is going to launch EPFO ​​3.0 by the end of 2025. It will be implemented in 2025-26. In EPFO ​​3.0, a facility is being considered in collaboration with banks. In which EPF subscribers can withdraw funds from their corpus up to a certain limit. Generally, it can be up to 50 percent.

For this, there will be no need to claim from EPFO. Labour Minister Mansukh Mandaviya said that EPFO ​​is creating such a platform, from which employees can withdraw money from PF accounts without any problem.

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The post EPFO ​​will start a new service! KYC process will be simplified, soon PF amount will be available without claim first appeared on Rightsofemployees.com.

EPFO News Update: 8 crore active subscribers of Employee Provident Fund are going to get a big relief in the coming days. EPFO ​​i.e. Employee Provident Fund Organization is going to start Self-Attestation Facility for its subscribers from June 2025. After the start of this process, employees will not need to take approval from their employers to complete the KYC process.

KYC will be done through self-attestation

KYC for Employee Provident Fund (EPF) subscribers is a one-time process that helps subscribers to verify their KYC details while linking them with Universal Account Number (UAN). Currently, approval of the employer is required to complete the KYC process of the employee. After the introduction of self-attestation facility for subscribers, it will become very easy for the members to do this and the time wasted in getting the approval of the employer can be avoided. Many times, the process of KYC for subscribers gets stuck after the closure of companies. With the introduction of this new facility, this paperwork will end and the cases of rejection of EPF claims will also decrease.

This facility will start in EPFO ​​3.0

This facility will be started in the preparations being made to launch EPFO ​​3.0. EPFO ​​is busy revamping its IT infrastructure so that it will be possible to manage the workload that is going to increase on EPFO ​​after the implementation of Employment Linked Incentive Schemes. After the implementation of ELI scheme, the number of EPFO ​​members is expected to increase to 10 crores. With the improvement in IT infrastructure, EPFO ​​will be able to provide better services to its members.

Provident fund can be withdrawn without any claim

The Ministry of Labor and Employment can launch EPFO ​​3.0 by the end of March 2025 and it will come into effect from the new financial year 2025-26. Under EPFO ​​3.0, it is considering launching a facility in collaboration with banks in which EPF subscribers will be able to withdraw funds from their corpus up to a limit. There will be no need to apply to claim this. Labor Minister Mansukh Mandaviya has said that EPFO ​​is preparing such a platform in which subscribers will be able to withdraw their hard-earned money without any hassle.

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The post EPFO set to introduce self-verification facility to complete KYC process 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.

Let us tell you that EPFO ​​has extended the deadline for activating UAN and linking bank account with Aadhaar to January 15, 2025. Earlier the last date for activating UAN was November 30, 2024, which was later extended to December 15, 2024.

What is ELI Scheme

Let us tell you that the government had announced the ELI scheme in Budget-2024. This scheme includes 3 types of schemes, A, B and C. The aim of all three schemes is to promote employment generation and provide financial assistance to new employees.

How to activate UAN number

• First of all go to EPFO ​​website epfindia.gov.in.
• Now click on For Employees in the Services section visible on the left.
• Click on Member UAN Online Service OCS OTCP appearing at second place in the Services column on the left.
• After this click on Activate UAN.
• Now fill the 12 digit UAN and Aadhaar number, name, date of birth, Aadhaar linked mobile number, captcha code etc.
• After this, click on the declaration check box given below. Now click on the Get Authorization Pin button visible below.
• Now enter the OTP and click on submit button.
• In this way your UAN has been activated.

The post EPFO members should complete this work related to EPFO ​​by 15 January, or else… first appeared on Rightsofemployees.com.

The Ministry of Labor has asked the Employees’ Provident Fund Organization to accept Aadhaar as the identity document to eliminate the complexities of documentation in the process of settlement of payment claims. The Ministry of Labor hopes that this will not only facilitate the claims of EPF account holders but will also reduce the time taken in the process of settlement of claims.

This will be done to settle the EPF claims in case of delay

To reduce the delay in settlement of EPF claims, the Labour Ministry has also asked to start the process of automatically bringing an application into the fast track process of the organization as soon as it is pending for more than 30 days. Union Labour and Employment Secretary Sumita Dawra, in a review meeting of the functioning of 21 regional offices of EPFO ​​​​across the country, emphasized on Aadhaar to end the delay in settlement of claims due to lack of authentic documents.

The Secretary said that the use of Aadhaar as an identity document simplifies government delivery processes, enhances transparency and efficiency, and also ensures that beneficiaries receive their entitlements seamlessly.

The need to prepare these documents will end

According to him, Aadhaar-based verification will eliminate the need for EPF employees to produce many other documents to prove their identity for settlement of claims. In this regard, while giving UAN number to new members joining EPF, it should be linked to Aadhaar.

Labor Ministry gave target to EPFO

The meeting also discussed strategies to improve the EPF grievance redressal mechanism and grievance redressal strategies to deal with delays in settlement of claims due to errors in member profiles, non-compliance by employers, technical glitches, etc. The labour ministry, meanwhile, gave EPFO ​​the target of improving settlement of claims as well as reducing rejection rates.

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The post EPFO: Big news for crores of members, Now AADHAAR will be necessary for this work first appeared on Rightsofemployees.com.

Employees’ Provident Fund Organization (EPFO) is very helpful for those people who are generally employed and are not able to save much money over time. In such a situation, the company and the employee deposit the same amount in the account opened in EPFO. Sometimes this amount becomes so much on retirement that any retiree can easily live his life ahead. But sometimes money is needed during the job itself.

In such a situation, the biggest problem is how to withdraw EPFO ​​money. For this, EPFO ​​has made some rules on the basis of which money can be withdrawn. But with time, many big changes have also taken place in this. Now EPFO ​​account holders will be able to withdraw their money from ATM just like bank ATM.

Update came regarding EPFO ​​ATM

A big information has come out regarding EPFO ​​account holders. This information has been given by Union Minister Mansukh Mandaviya himself. He told that EPFO ​​will update its software by June this year. That means EPFO ​​3.O will start with this.

How will the new system work

According to the Union Minister, the new system of EPFO ​​will work like the banking system in the country. Its facilities will also be like any bank and the account holders will be provided an ATM card. All its information will be uploaded on the EPFO ​​website and focus is being laid on making the website interface work in a simple manner for more users.

ATM card will be issued in EPFO ​​3.0

With the launch of EPFO ​​3.0, all account holders will also be provided an ATM card. The special thing is that through this ATM card, all account holders will be able to withdraw as much money as they want from their account. This ATM will also work in all bank ATMs. That means now any EPFO ​​account holder will not face any problem in withdrawing money.

It is being said that the work on the system will be completed by June and after that ATMs will be distributed to the account holders. However, this process may take a few months. But it is being said that this work will also be completed by the end of this year and people will continue to get the facility to withdraw money.

The limit for withdrawing money will be fixed

Let us tell you that EPFO ​​account holders will be able to withdraw money from ATM but this amount will also be limited. According to media reports, account holders will be able to withdraw only 50 percent of their deposited amount. However, this amount can be increased under certain conditions.

The post Great news for EPFO ​​account holders, you can withdraw money from ATM from this day! 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.

It is said that EPFO ​​and ESIC are focusing on making their facilities digital. For this, both want to use modern technology.

Discussion with RBI on the plan

Secretary of the Ministry of Labor and Employment, Sumita Dawra, recently gave important information about this. She said that the government has discussed this plan with the Reserve Bank ( RBI ). This will greatly benefit the subscribers of both organizations. Currently, the claim settlement money is transferred directly to the subscribers’ bank accounts. She said that discussions are going on to prepare a system to transfer the settlement money to e-wallet. For this, the help of banks will be needed.

Increased use of IT for services

Dawra had told some time ago that the government is improving the information technology infrastructure to provide better facilities to the subscribers. In the recent past, the speed of auto settlement of claims has increased. If advanced technology is used in EPFO ​​like the banking sector, then it will be easy to offer better facilities to the subscribers. He said that the facility of withdrawing EPF money from ATM is a big step.

RBI approval required

Experts say that it will take time to start the facility of ATM withdrawal of EPFO ​​claim money. The reason for this is that this proposal is still in its initial stage. It will require extensive discussions with many parties. First of all, RBI’s approval is required for this. RBI is very cautious in using new technology. The matter can move forward only after it is assured of its security aspect.

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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 post EPFO gives relief… You can submit wage details till 31st January for higher pension first appeared on Rightsofemployees.com.

According to the government, at present these applicants have contributed or are contributing up to the prescribed limit of Rs 15,000 per month, irrespective of their actual basic salary.

17 lakh applicants applied

In a written reply to a question in the Rajya Sabha, Minister of State for Labour and Employment Shobha Karandlaje said, “In implementation of the judgment passed by the Supreme Court on November 4, 2022, an online facility was provided by the EPFO, wherein a total of 17.49 lakh applications were successfully submitted by the applicants for verification of options/combined options.”

The Supreme Court had given the order in 2022

The Supreme Court on November 4, 2022, ruled in favour of existing employees being able to opt for higher pension under the Employees’ Pension Scheme (EPS), 1995.

The Employees’ Pension Scheme 1995 (EPS-95), introduced by the Employees’ Provident Fund Organisation (EPFO) on November 19, 1995, is a social security initiative aimed at meeting the retirement needs of employees in the organised sector. Administered by the EPFO, the scheme guarantees pension benefits to eligible employees on reaching the age of 58 years.

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The post Big update on EPFO! 17.49 lakh members will get increased pension, government told the reason in Parliament first appeared on Rightsofemployees.com.

For this, they will now have to link their UAN and bank account with Aadhaar by December 15. Earlier its last date was November 30, but a large number of employees missed it. EPFO ​​has given them another chance.

EPFO says that by activating UAN, employees will be able to avail the benefits of Employment Linked Incentive (ELI) scheme. The organization has instructed employers to update the UAN and bank account of all new employees within the stipulated time limit.

What will be the loss if you do not link

Direct Benefit Transfer (DBT) of the scheme is possible only when Aadhaar and bank account are registered with UAN number with complete details. Currently, information is being updated only for employees who joined the job in the current financial year. In the next phase, old employees will also have to update their details.

Activate UAN number like this

• First go to the EPFO ​​portal (https://www.epfindia.gov.in/). Click on the Activate UAN link under Important Links.
• Enter UAN, Aadhaar number, name, date of birth and mobile number linked with Aadhaar.
• Employees have to ensure that their mobile number is linked with Aadhaar.
• After that agree to Aadhaar OTP verification.
• Click on Get Verification PIN to receive OTP on your Aadhaar linked mobile number.
• Enter the OTP to complete the activation.
• On successful activation a password will be sent to your registered mobile number.

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The post PF account: Make sure to link your Aadhaar with your PF account by December 15, activate UAN like this first appeared on Rightsofemployees.com.

EPFO ​​has extended this deadline to 15 December 2024. Earlier this deadline was 30 November 2024. EPFO ​​has given this information on the social media platform X. Apart from this, the government has also extended the last date for linking bank account with Aadhaar.

The scheme came in the budget of 2024-25

In the budget for the financial year 2024-25, three schemes A, B and C were announced for the employment-related incentive scheme. It has a target of generating employment, skills and other opportunities for 4.1 crore youth in 5 years with an expenditure of Rs 2 lakh crore. The target of the ELI scheme is to create more than 2 crore jobs in 2 years. In this, Scheme A will focus on first-time employment and EPF scheme. Scheme B will focus on creating jobs in manufacturing and Scheme C will focus on employer support.

Dear Employers,
The date of UAN activation and Aadhaar seeding of Bank Account has been extended till 15th December.
Ensure to do the same for all employees who have joined in the current financial year, starting with the latest joinees, to avail the benefit of the Employment… pic.twitter.com/u0Sob5Qujf

— EPFO (@socialepfo) December 4, 2024

You will be able to take advantage of many services

Activating UAN will give employees access to many services of EPFO. This will enable them to manage their PF accounts well. They can view and download PF passbook. Apart from this, employees can make partial withdrawals or submit claims for advance or transfer.

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The requirement to link Universal Account Number (UAN) with Aadhaar has been abolished for certain categories of employees. This step has brought relief to those employees for whom it is not possible to get Aadhaar. This change will provide great relief to those employees for whom Aadhaar related problems were a hindrance in PF claims till now.

Employees who do not have Aadhaar can still make claims under EPFO. They have the option of verification through passport, citizenship certificate or other official identity cards. Apart from this, identity will also be verified through PAN card, bank account details and other criteria. In cases of claims of more than ₹ 5 lakh, the employer will be asked to confirm the authenticity of the member.

Which employees will get exemption?

According to the rules of EPFO, if any employee has to settle PF claim i.e. withdraw money from PF, then his Universal Account Number and Aadhaar number should be linked for that. Now EPFO ​​has exempted some employees from this rule. These employees are….

• International workers who have returned to their country after working in India and could not obtain Aadhaar.
• Indians holding foreign citizenship who could not get Aadhaar.
• Citizens of Nepal and Bhutan, for whom Aadhaar will not be mandatory.
• Former Indian citizens who have gone abroad permanently also come under the purview of this exemption.

The post EPFO changed the rules for PF claims, Aadhaar is no longer mandatory for everyone first appeared on Rightsofemployees.com.

This exemption has been given to some categories of employees in the requirement of linking Universal Account Number (UAN) with Aadhaar. This step will make it easier to claim for those employees for whom it is difficult to get Aadhaar or in other words, they cannot get documents like Aadhaar.

Which employees will get exemption?

International employees registered under the Employees Provident Fund Organization are exempted under this. Also, those employees who went to their country after working in India and could not get Aadhaar. Apart from this, Indians with foreign citizenship, who could not get Aadhaar, former Indian citizens who have gone abroad permanently and citizens of Nepal and Bhutan are also exempted under this.

Alternative options other than Aadhaar

Aadhaar is not mandatory for those employees covered under the EPF&MP Act who live outside India and do not have Aadhaar. With the implementation of this change, those employees can also claim under EPFO. A separate option will be kept for them.

You can also make a claim under these documents

For these categories of employees, EPFO ​​has allowed settlement of PF claim through other documents. This includes verification documents – passport, citizenship certificate or other official ID proof. Verification will be done through PAN, bank account details and other eligibility criteria. For claims above ₹ 5 lakh, the authenticity of the member will be verified from the employer.

What is the rule for claim?

The rule made by EPFO ​​states that any claim should be carefully examined by the officials. After this, approval is necessary through the e-office file through the Approval Officer-in-Charge (OIC). At the same time, employees are advised to maintain the same UAN number or transfer the previous service record to the same UAN number. This makes it easier to get the claim.

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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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According to a report by CNBC-Awaaz, the Employees Provident Fund Organization (EPFO) is going to make radical changes in the PM account withdrawal process. EPFO ​​will provide an ATM card to the PF holder just like banks. Money can be withdrawn with the help of this ATM. That means there will be no hassle of filling forms and no need to visit the office. The government is also considering abolishing the limit of PF contribution and increasing the PF limit under EPFO ​​3.0 version.

This facility will not be available at all ATMs. Under this facility, EPFO ​​will tie up with select banks. These ATM cards can be used only in those ATMs with which EPFO ​​has an agreement. This scheme can be implemented by May-June 2025. This new facility will be a big relief for PF account holders, allowing them to easily access their funds and also improve their pension. Currently, EPF members have to wait for 7 to 10 days to transfer the withdrawal amount to their bank account linked to the EPF account. This happens after completing all the withdrawal formalities and submitting the required documents to the EPFO.

Preparations are also being made to change the pension scheme

The government is also planning to remove the current limit of 12% of employee contribution in PF. Now employees will be able to contribute more as per their wish, which will also increase their pension. The money for higher contribution will go to EPS (Employees Pension Scheme), which will provide more pension in future.

There is also a consideration on increasing the salary limit. Currently, the wage ceiling for PF is Rs 15,000, which is being considered to be increased. Employees earning more than this salary will also get the benefit of this scheme. Along with this, the government is also planning to implement PAN 2.0. Now the new PAN card will come directly on the e-mail, which will make the process of making PAN fast and simple.

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Private sector employees will be able to invest more than the fixed limit in PF. Now there will be no limit on investment. After PAN 2.0, the central government is now preparing to launch EPFO ​​3.0 scheme. Many new facilities will be added to this scheme, which will prove beneficial for PF subscribers. Removing the limit of 12% PF contribution of employees is being considered.

Withdrawing money from PF will be as easy as withdrawing money from ATM

Under EPFO ​​3.0, subscribers will get the facility to withdraw money from PF through ATM. This new service is expected to be implemented by May-June 2025. This proposal of EPFO ​​is currently at the initial stage of discussion. In doing so, the government’s aim is to give subscribers more flexibility and better service for their savings and pension. After the implementation of EPFO ​​3.0 scheme, subscribers will get better retirement benefits and PF management will become easier than before.

Employees will be able to invest more in PF – there will be no limit of 12%

Also, subscribers can get the option to contribute more to their PF account according to their savings. Now employees can deposit more money than the fixed limit in their PF account at any time if they want. However, the contribution of employers or companies will remain salary based, which will maintain the stability of the system.

Reforms in pension schemes

The government is also planning to make changes in EPS-95 i.e. Employee Pension Scheme 1995. The entire 12% contribution of the employee goes to the EPF account, while the employer’s 8.33% contribution is deposited in EPS-95 and 3.67% in the EPF account. Under the new scheme, employees may get the option to contribute directly to EPS-95. This will enable subscribers to increase their pension amount.

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What is ELI scheme?

In the Union Budget 2024, Finance Minister Nirmala Sitharaman launched the Employment-Linked Incentive (ELI) scheme. The scheme was aimed at increasing employment and encouraging companies to hire new employees. The government has divided this scheme into three parts.

Scheme A: Under this scheme, companies will get a subsidy of ₹15,000 on hiring new graduates, which will be given in three installments. This is expected to provide employment to 30 lakh youth.

Scheme B: This is specifically for the manufacturing sector. Under this, companies will get Rs 3,000 per employee per month for two years on new recruitments. For eligibility, companies have to add 50 new employees or increase their workforce by 25%.

Scheme C : This scheme will provide general incentives to increase the workforce in different industries. Not much is known about it and it will be developed further.

Why is it important to activate and link UAN?

EPFO said in a notification on 22 November 2024 that every EPFO ​​member should have an Aadhaar-linked UAN. It is necessary to activate it by logging in to the portal. Through an active UAN, employees can view PF passbook, apply for online claim, update personal information and track claim status. To avail any Direct Benefit Transfer (DBT) scheme, it is necessary to link the beneficiary’s bank account with Aadhaar, so that the benefits can be deposited directly into the bank account.

The Ministry of Labour & Employment, Government of India has directed 30th November as the last date to employers for Aadhaar-based UAN Activation of its new employees. It is important to activate your UAN to enjoy the services of EPFO such as PF, Pension, Insurance, and most… pic.twitter.com/Wb8TIW4EZN

— EPFO (@socialepfo) November 28, 2024

Process to activate UAN

Visit the EPFO ​​member portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/

Click on the ‘Activate UAN’ link. Enter your UAN number, Aadhaar number, date of birth, and mobile number linked with Aadhaar. Check that your mobile number is linked with Aadhaar.

Give consent for Aadhaar OTP verification

Click on ‘Get Authorization PIN’ and enter the OTP received on your Aadhaar-linked mobile number. The password will be sent to your registered number after activation is complete.

Employer

Employers or companies have to ensure that all their employees have completed the process of activating UAN and linking Aadhaar by 30 November 2024. So that they can avail the benefits of ELI scheme.

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An official of the ministry said that it is being considered to allow more contribution for pension. The official said that currently the return from EPS is about 8 percent and if the contribution increases, a good pension will be arranged by the time of retirement.

How much is the contribution now?

Currently, with a basic salary limit of Rs 15,000, the contribution to EPFO ​​is 12% each from the employee and the employer. 8.33% of the employer’s contribution goes to the Employees’ Pension Scheme. The entire 12% of the employee goes to the EPF account. There is no plan to increase the contribution limit from the employer’s side, the employee will get an opportunity to contribute more to EPS.

8505 crore in inactive PF accounts

The amount deposited in inactive Employees Provident Fund (EPF) accounts in the financial year 2023-24 has increased five times to Rs 8,505.23 crore as compared to 2018-19. This information was given in the Lok Sabha a few days ago. This amount was Rs 1,638.37 crore in the financial year 2018-19. Union Minister of State Shobha Karandlaje said that there is no unclaimed account in the EPF scheme run by EPFO.

About 19 lakh employees joined in September

In September, a net 18 lakh 81 thousand employees from the organized sector joined EPFO. These figures were recently released by the Ministry of Labor and Employment. According to the figures, this number was 9.33% higher than a year ago. Among the total employees who joined EPFO ​​in September, about 9 lakh 47 thousand were new members. This number is 6.22% higher than a year ago.

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Let us tell you that currently 12 percent of the salary (basic salary and dearness allowance) of EPFO ​​​​members goes to the EPF account. Out of the employer’s 12 percent contribution, 8.33 percent goes to EPS-95, while the remaining 3.67 percent is deposited in the EPF account.

What is the plan

A source said that if members contribute more to their EPS-95 account they will get more pension. Therefore, the ministry is considering options to allow more contribution to EPS. Employees may also be allowed to contribute to EPS-95 to increase pension benefits under the revised framework.

The source said that apart from improving social security benefits, the Narendra Modi government is also focusing on job creation in the country. He said that according to estimates, a capital expenditure of Rs 1 crore creates three to six jobs. The source said that major infrastructure projects worth Rs 4.19 lakh crore have been approved and it is estimated that this will create more than 1.26 crore jobs.

The Labor Ministry said this to EPFO

Recently, the Ministry of Labor asked the EPFO ​​to focus on promoting IT infrastructure and capacity building preparations to launch the Employment Linked Incentive (ELI) scheme. Let us tell you that Finance Minister Nirmala Sitharaman had announced the launch of three employment-related schemes based on enrollment in EPFO ​​in the Union Budget.

Three schemes for ELI were announced in the Budget 2024-25 under the Prime Minister’s package of five schemes and initiatives. Under this, a target has been set to create employment, skills and other opportunities for 4.1 crore youth in five years with an expenditure of Rs 2 lakh crore.

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EPFO Pension Rules: All the employed people in India have PF accounts. In India, PF accounts are managed by the Employee Provident Funds Organization i.e. EPFO. These accounts are also seen as a kind of savings scheme. Every month 12% of the employee’s salary is deposited in this account. At the same time, the same amount is deposited by the company as well.

You can use the money deposited in the PF account whenever you need it. Along with this, if you contribute to EPFO ​​for more than 10 years, then you also become eligible to get pension. But if you withdraw more than a fixed limit from it, then you do not get pension. Let us tell you what are the rules of EPFO ​​regarding pension, how much money is withdrawn to not get pension.

Pension is not available on withdrawing the entire amount

12% of the salary is deposited in the account of the PF account holder. The same amount is deposited in their PF account by the employer i.e. the company. The company contributes 12%. Out of that, 8.33% goes to the pension fund i.e. EPS of the PF account holder. And the remaining 3.67% amount goes to the PF account. If any PF account holder contributes to the PF account for 10 years.

Then he becomes entitled to get pension. In such a situation, if he leaves the job or for any reason he withdraws the entire amount present in the PF account and his EPS fund remains intact, then he gets pension. But if he withdraws the entire amount of EPS along with the money of the PF account, then he does not get pension.

Which PF account holders get pension?

According to the rules set by the Employees’ Provident Fund Organization (EPFO), if any employee deposits money in his PF account for 10 years, then he becomes eligible to get pension. That employee can claim pension after the age of 50 years.

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However, for this the employees will have to do one thing first. The central government has issued instructions to implement Aadhaar payment bridge and 100% biometric Aadhaar authentication to deliver the benefits of the schemes to the beneficiaries in a direct and transparent manner. In this direction, the Ministry of Labor and Employment has directed the EPFO ​​to run a special campaign to reach the benefits of the Employment Linked Incentive (ELI) scheme announced in the Union Budget 2024-25 to maximum employers and employees.

UAN activation time limit

In the first step, employers will have to activate the Universal Account Number (UAN) of their employees through Aadhaar based OTP process by 30 November 2024. This process will be applicable to all existing employees starting from new employees.

Benefits of UAN activation

After UAN activation, employees can easily avail all the online services of EPFO. These services are mentioned below.

• Management of Provident Fund (PF) Account
• Viewing and downloading PF passbook
• Submit a claim online
• Update your personal information
• Real-time claim status tracking
• This process provides 24/7 service to employees at their homes, eliminating the need for physical visits to EPFO ​​offices.

How to activate UAN

• Visit the EPFO ​​member portal.
• Click on Activate UAN link.
• Enter UAN, Aadhaar number, name, date of birth, and Aadhaar linked mobile number.
• Agree to Aadhaar OTP verification.
• Click on Get Authorization PIN and get OTP.
• Complete the process by entering OTP.
• On successful activation password will be sent to the registered mobile number.

In the second phase, the service of face recognition technology biometric authentication will be added to UAN activation. This initiative will prove to be a big step in connecting employees to digital services and providing them the benefits of schemes directly.

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The central government is planning to increase the minimum wage limit under the Employee Provident Fund (EPF) to further strengthen the social security of organized sector employees. The current minimum wage limit of Rs 15,000 can be increased to Rs 21,000. Along with this, the minimum number of employees in a company to join EPFO ​​is also likely to be reduced from 20 to 10-15, so that more companies can be brought under this purview.

The last change was made in 2014

The minimum wage limit for Employee Provident Fund was last revised in 2014, when it was increased from Rs 6,500 to Rs 15,000. There has been no change in this limit in the last 10 years. Labour and Employment Minister Mansukh Mandaviya has stressed the need to increase this limit after reviewing the pending cases.

Employees will have to contribute more

With the increase in the salary limit, employees and employers will have to contribute more to EPF and EPS (Employees Pension Scheme). As per the current rules, 12% of the basic salary goes into the EPF account. Out of this, 8.33% of the employer’s contribution is deposited in EPS and the remaining 3.67% in EPF. With the increase in the limit, these contributions will also increase.

Long standing demand of employee unions

In the meetings of the Central Board of Trustees of EPFO, the employee unions have been constantly demanding to increase the minimum wage limit. This move of the government is expected to improve the social security of the employees and ensure more savings for their future.

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The remaining funds can be transferred to a new EPFO ​​account upon getting a new job. EPFO ​​has made changes in the withdrawal rules in this regard, making the withdrawal process more simple.

Fund Deposit and Withdrawal Process in EPFO

A salaried person deposits a part of his salary in EPFO, which matures after retirement. However, partial amount can be withdrawn from it from time to time if required.

Under the new rules, any member can apply for withdrawal of his deposit amount online. There is a provision for withdrawal of funds for education, purchase or construction of a house, marriage, or medical expenses.

90% withdrawal facility up to one year before retirement

According to the new rules, any employee can withdraw up to 90 percent of his total deposit amount one year before retirement. For this, the minimum age of the member should be 54 years. This provision is beneficial for those who are approaching retirement and need money immediately.

Provision of tax benefits

If an employee contributes to EPF for five years, he can get the benefit of tax exemption at the time of withdrawal. TDS (Tax Deducted at Source) will also be applicable on maturity. However, if the withdrawal is less than Rs 50,000, TDS will not be deducted. 10 percent TDS will be deducted on submission of PAN card, while in the absence of PAN card, this deduction will be 30 percent.

Online Application Process

EPFO members can use the EPF portal or Umang app to withdraw their funds. After submitting the application, the amount is transferred directly to the bank account upon approval from the employer. Along with this, members can also check the status of their application online, which keeps the process completely transparent.

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