EPFO Rule– Big news for EPFO members. EPFO has taken a big decision in their interest. This decision is important for those families whose member has died. Now EPFO has made the settlement process of death claims easier than before.
According to a new circular of EPFO, now money will be deposited directly in the bank account of the minor children of the deceased member. For this, there will be no need for a guardianship certificate. Till now, on the death of any member of the Employees’ Provident Fund Organization, his family used to face a lot of trouble in withdrawing PF, pension or insurance money. They had to get a guardianship certificate from the court. It used to take several months to submit all these documents. This not only caused financial problems to the families, but they also had to run around a lot.
What is said in the new circular?
EPFO has issued a circular in this regard on 13 August 2025. It states, “In order to simplify the process and ensure quick payment to minor children, it is directed that no separate guardian certificate is required if payment is being made into the bank accounts of minor children.” EPFO says that they want the money to be received quickly and the children get their rights without any hassle.
EPFO says that in order to easily withdraw the EPFO claim money, a separate bank account will have to be opened in the name of each child of the member. After this, the PF and insurance money will be deposited directly in the same account. Once the claim amount is credited to this account, there will be no problem in withdrawing it.
Which form for this?
An EPF Form 20 is in circulation in the Employees Provident Fund Organization. This is a special form, which is used to withdraw money from the PF account of a deceased EPF member. It can be filled by the nominee, legal heir or guardian of the deceased member. This form is for making a final claim of the PF account.