The Employees’ Provident Fund Organization (EPFO) has announced major changes to withdrawal rules for its members. The new rules apply to both EPF and EPS from October 13, 2025. With these changes, member will able to withdraw their money in a simple way. In the past, withdrawal PF money used be a complex process, which are going to change massively.
Easy money withdrawal process
The EPFO states that these changes are intended to simplify the withdrawal process, promote digital transactions, and ensure the long-term security of the Employees’ Pension Scheme (EPS). The Employees’ Provident Fund Organization (EPFO) recently revised the terms and conditions for partial withdrawals from the Pension Scheme (EPS) and PF. The new rules are now simpler and more digital, allowing members to easily manage their accounts as needed. The Employees’ Provident Fund Organization (EPFO) has made significant changes to EPS withdrawal rules. Employees will now be able to withdraw EPS funds only after 36 months (3 years) of leaving their job or becoming unemployed. Previously, this period was only 2 months, which allowed many employees to withdraw their pension upon job loss. The government states that the new rule aims to retain members in the scheme for a longer period and provide them with long-term pension benefits.
Preparations are underway to increase the minimum pension amount under the EPS-95 scheme under the Employees’ Provident Fund Organization. The current minimum pension is ₹1,000 per month, a figure set approximately 11 years ago. According to sources, the Parliamentary Standing Committee on Labor has reviewed this amount and recommended an increase. While this decision is still pending, it is expected that an announcement regarding the minimum pension increase may be made in the coming months.
Important tips for EPS account holders:
- Always keep your UAN number and KYC details updated.
- Read the rules carefully before withdrawing.
- Avoid withdrawal of the entire amount to retain pension benefits.
- In case of unemployment, wait for one year.
- Use the EPFO portal or mobile app to eliminate the need for an agent.
The new EPFO rules are tailored to the modern workforce, offering less hassle, more convenience, and pension security. These reforms are expected to increase transparency in EPS and strengthen employee confidence. These changes will prove beneficial in the long run for employees planning for retirement in the coming years.
