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EPFO Rules: If you are employed and are about to get married, you must read this news. EPFO ​​has revised the rules concerning nominees following marriage. Find out what steps are necessary after marriage.

EPFO Nomination Rules: If you are employed and hold an EPF account, this news is crucial for you. Marriage changes not only your marital status but also the rules governing your PF nomination. EPFO ​​has clarified that any nomination made prior to marriage automatically becomes invalid after the wedding. Consequently, every member is required to file a new nomination post-marriage. Failure to do so could cause difficulties for the family in claiming PF, pension, and insurance funds in the future.

What does the EPFO ​​rule state?

This rule is contained in Paragraph 44 of the Employees' Provident Fund Scheme, 2026. According to it, any nomination made prior to marriage ceases to be legally valid after the wedding. In other words, if a member gets married but does not submit a new nomination, the person previously named cannot directly receive the EPF funds. This rule applies specifically to marriage; nominations do not change automatically upon changing jobs or generating a new UAN.

However, when filing a new nomination after marriage, it is not mandatory to name only the spouse. Under EPFO ​​rules, a member can nominate any eligible family member—such as a spouse, parents, or children. You can add more than one nominee and specify the percentage share each is entitled to receive.

EPF nomination is not limited solely to the accumulated PF balance; it also applies to benefits under the EPS and EDLI schemes. The EDLI scheme provides an insurance cover of up to ₹7 lakh to the eligible family. Consequently, if the nomination is not updated, claiming benefits under these schemes could become difficult.

How to update e-nomination from the comfort of your home:

Updating the nomination after marriage is quite simple. Members need to log in to the EPFO ​​Unified Member Portal using their UAN. Next, navigate to the 'Manage' section and select the 'e-Nomination' option. After entering the nominee's details, relationship, and share percentage, verify the process using the OTP sent to the mobile number linked to your Aadhaar.

Employer approval is not required to submit the application.

EPFO also advises members to link their Aadhaar with their UAN and ensure that their mobile number, address, and other essential details are accurate on the portal before updating the nomination. If a member has not registered a nominee, the PF, pension, and insurance amounts will be disbursed to the eligible family or legal nominees in accordance with the rules in the event of the member's death. However, having an updated nomination significantly simplifies and accelerates the claims process.