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EPFO Rule: 8 rules of EPFO changed, will have a direct impact on the pockets of employees

newscrab | November 9, 2025 3:39 AM CST

Every employee in the organized sector has a PF account. Each month, a fixed amount is deposited into the PF account from an employee's salary. The EPFO manages PF accounts. Meanwhile, the EPFO has changed some of its rules, directly impacting pension and retirement funds. The EPFO has changed eight key rules in the last 10 months.

1. Higher Pension Option (Pension Calculation)

According to EPFO rules, pension calculations have changed. Previously, pensions were based on your last salary. However, now pensions will be based on your salary 60 months prior to retirement. This will benefit employees.

2. You can withdraw PF money in a few minutes (PF withdrawal)

The EPFO has made a significant decision for millions of employees. Now, you can withdraw money in advance for various purposes, such as building a house, marrying your children, and medical emergencies. To achieve this, the EPFO has launched an auto-settlement system. This will take just a few minutes.

3. The entire amount can be withdrawn

The EPFO has changed the rules for PF withdrawals. You can now withdraw 100% of your PF under certain circumstances. This includes both employee and employer contributions. Meanwhile, the 25% retirement savings required for retirement accounts will remain unchanged.

4. Pension

Now the government has changed the pension rules. The maximum pension limit has been increased from 7,500 to 15,000.

5. PF can be withdrawn from ATM

You can now withdraw your PF funds from an ATM. The EPFO has simplified the online claim process.

6. Money can be transferred

Transferring money from an old PF account to a new one after changing jobs can be quite cumbersome. Consequently, the EPFO has strengthened the auto-transfer facility.

7. E-nomination mandatory

EPFO members are now required to file e-nomination. It is mandatory for PF account holders to nominate their family members. This will facilitate the transfer of funds to their nominees upon the account holder's death.

8. UAN Aadhaar Link

Linking your UAN and Aadhaar is mandatory for PF account holders. If you don't link your UAN, you won't be able to deposit funds into your PF account.

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