Big news for salaried employees! New EPFO ​​rules for 2026: What changes for your PF account and what stays the same?

In the picture, it can be seen that a big announcement has been made by the central government, in which the EPF scheme 2026 has been notified. In fact, this new scheme comes under the purview of the Social Security Code 2020, which will replace the old EPF scheme of 1952. These changes are also important because now PF will work completely under this new legal framework, which will promote a digital and transparent system.

In this picture, an employee is seen checking the details of his PF account, which is a matter of relief. Because under the new scheme, there will be no impact on the PF account of existing employees, their deposits or old benefits. That is, your old money is completely safe. Just now there will be more focus on the digital framework, which will make your data even more secure.

This photo shows the digital interface of EPFO, which is now completely online. Digital services have been formally included in the new scheme. That is, now facilities like online filing of returns, electronic maintenance of records, digital member account, online claim submission and electronic annual statement will become even easier. Digital inspection will increase transparency.

The picture shows the mathematics of contributions with calculators and stacks of money. The good news is that the PF contribution of 12-12% from both the employee and the employer will continue as before. At the same time, the provision of 10% contribution for notified institutions will also remain intact. That is, the amount of PF deducted from your salary will continue to be deducted in the same proportion.

In this picture, the graph of interest rates is shown, in which the figure of 8.25% is clearly visible. Recently, EPFO has approved an interest rate of 8.25 per cent for 2025-26. This is the third consecutive year that the rate has been maintained. Remember, in 2022-23, this rate was 8.15%. So your PF money is still giving good returns, which is better than many other savings options.

In the picture, a person is seen filling up the Voluntary PF (VPF) form to increase his savings. In the new scheme, the facility of additional investment in VPF will be available as before. That is, if you want, you can contribute more than 12% to PF at will and take advantage of higher interest. This will help you plan for your retirement.

In this photo, UAN (Universal Account Number) has been shown as the base of PF. In the new scheme, the rules related to UAN will remain exactly the same. That is, your UAN is your identity, with which you can transfer your PF when you change jobs in any company and see all the details online. There has been no change in the system.

In the picture, a person is seen filling an online form for PF withdrawal. The rules for PF withdrawal in the EPF scheme 2026 will continue to be applicable as before. That is, you can withdraw PF only under the old rules in situations like unemployment, marriage, buying a house, or medical emergency. The process of withdrawal has now become even easier.

In this picture, a family is seen choosing the nominee of their PF. The nomination rules will remain the same as before. That is, you can make anyone a nominee for your PF account, so that your family can get your PF in your absence. This is an important security cover, which has been continued in the new scheme.

In this photo, a file is seen being signed in the government office, which is related to the emergency. Under the new scheme, the government has been given the right to temporarily reduce or postpone the EPF contribution for a maximum of three months in the event of a pandemic, national disaster or other extraordinary circumstances. However, this will be applicable only in emergency situations.

In the last picture, an employee is seen submitting the PF transfer form while joining the new company. The PF transfer rules will remain the same as before. Whenever you change jobs, you will be able to easily transfer your old PF to the new account. Due to the digital system, this process has now become faster and easier.