EPFO New Rules 2025: The Employees’ Provident Fund Organisation (EPFO) has announced some major changes in guidelines and policies for its crores of subscribers. Most of these changes are likely to be implemented from the new year. The retirement fund body is preparing to launch many new facilities for its subscribers.
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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