New PF Rules 2025: Contribution, Pension, Investments And More- EPFO's Key Changes

The Employees’ Provident Fund Organisation (EPFO) is planning to make significant updates to its guidelines and services in 2025. These changes aim to make retirement savings more flexible, accessible, and efficient for both private and government employees.

Key Updates To New EPFO Rules

1. Higher Contribution Limits

Employees contribute 12 per cent of their basic salary and have a maximum limit up to Rs 15,000. According to proposed changes, employees can make contributions based on actual salaries, allowing higher savings and pensions.

2. ATM Withdrawals for PF

Members can withdraw provident fund (PF) money using an ATM card which is likely to be issued by 2025-26. Using this facility, PF amount can be withdrawn anytime, anywhere.

3. IT System Upgrade

According to official reports, EPFO’s IT infrastructure system is likely to be upgraded by June 2025. This will allow people for faster claim settlements and increase in transparency reducing fraud.

4. Direct Equity Investment

EPFO may allow members to invest their money directly in stocks, offering better growth of savings and diversified investments. 

5. Easy Pension Withdrawals

Under new rules, pensioners will be able to withdraw pensions from any branch of bank without any additional verification. This will save time and make it hustle free for employees.

6. Higher Pension Deadline

Under new rules, employers must upload employee wage details by January 31, 2025, and provide clarifications by January 15, 2025, to process higher pension applications.

These updates reflect EPFO’s commitment to improving services and helping members better manage their retirement savings.