Epfo pf claim rule change: EPF Withdrawal Rules

EPF Withdrawal Rules : Then and Now (2021–2025 Reforms) I. Executive Summary: The Provident Fund Paradigm Shift (2021–2025) The Employees’ Provident Fund Organisation ( EPFO ) has executed a major regulatory overhaul, culminating in rules approved around October 2025, which fundamentally redefine the balance between providing immediate financial liquidity and enforcing long-term retirement savings integrity. 1 This policy shift reflects an institutional effort to harmonize two previously ... In this article, we break down the new EPFO claim settlement rules for 2025, their impact on employees, and how they will make the process of withdrawing or transferring PF funds easier. Why the New EPFO Rules Matter? The Employees’ Provident Fund Organisation ( EPFO ) has recently rolled out a series of significant reforms designed to overhaul and streamline the claim settlement process for its members. These changes , which are set to take effect from April 1, 2025, aim to simplify the process, reduce paperwork, and make the experience faster and more efficient for EPF account holders. Key Changes in EPFO Rules 1. Change in Contribution Limits Currently, employees contribute 12% of their basic salary to their EPF accounts, but there is a limit of ₹15,000. In the future, employees may be able to contribute based on their actual salary, allowing them to save more for retirement and receive a higher pension. 2. ATM Withdrawals for PF Money Soon, EPFO members will be able to withdraw their provident fund money using an ATM card. This new service, which will be available by ...