The Employees Provident Fund Organization (EPFO) has announced several important changes in 2025, which will prove to be beneficial for employees and pensioners. These changes include PF withdrawal from ATM, change in border, pension withdrawal from any bank, equity investment permission, and IT system upgrade. These rules will not only increase financial security for employees, but will also provide facilities for pensioners.
The main objective of these new rules is to help employees in their retirement planning and provide more flexibility to pensioners. These decisions of EPFO will benefit millions of employees and pensioners, which will strengthen their economic condition. Let us know in detail about these new rules.
EPFO Rules Change 2025: Overview
| Description | Information |
| Date of implementation | 2025 |
| Beneficiary | All PF account holders |
| Main change | Facility to withdraw money from ATM |
| Contribution limit | Employee contribution change in limits |
| IT system | EPFO IT System Upgrade |
| Equity investment | Permission to invest directly in equity |
| Pension withdrawal | Pension withdrawal from any bank |
Change in pension and contribution
EPFO has made several significant changes to improve pension under Employees’ Pension Scheme (EPS-95). In these, it is proposed to increase the salary limit from ₹ 15,000 to ₹ 21,000, so that even employees who get more salary will be able to avail this scheme. In addition, the minimum pension has been demanded to increase from ₹ 1,000 to ₹ 7,500, although it is still under consideration.
Increase in pay limit
- Current Pay limit: ₹ 15,000
- Proposed Pay limit: ₹ 21,000
- Benefits: Employees who get high salary will also be able to avail EPS-95.
Minimum pension increase
- Current minimum pension: ₹ 1,000
- Demand: ₹ 7,500
- Benefits: Pensioners will get financial strength.
PF withdrawn to ATM
EPFO has decided to issue ATM cards to its members, so that they will be able to remove their PF funds 24/7. This feature will be especially useful in emergency situations. Currently, it takes 7-10 days to withdraw PF money, but the ATM card will speed up this process.
Benefit
- Immediate withdrawal: You will be able to withdraw money at any time.
- Helpful in emergency situations: immediate availability of money will be ensured.
- Facility: You will be able to withdraw money from anywhere and anytime.
Pension withdrawal from any bank
EPFO has implemented Centralized Pension Payment System (CPPS), so that pensioners will be able to remove their pension from any bank branch. This facility has started from 1 January 2025. This will provide pensioners to get pension from any bank near their home, so that they will not need to go away.
Benefit
- Facility: You will be able to remove pension from any bank.
- Flexibility: You will be able to get pension from anywhere across the country.
- Time savings: Will not have to wander for pension.
Equity investment allowed
The EPFO has considered allowing its members to allow direct equity investment, allowing them to invest a part of their PF funds directly in Stock Market. This decision will provide members the opportunity to get high returns, although it will also include risk.
Benefit
- Possibility of high returns: Investment in stock market can give more returns.
- Investment Options: Members will get a chance to diversify their funds.
- Risk: Equity involves high risk in investment.
IT system upgrade
The EPFO is going to upgrade its IT system, making the claims and withdrawal process faster and more transparent. This upgrade is expected to be completed by June 2025. This will give members the benefit of online services and will reduce the possibility of fraud.
Benefit
- Fast process: claims and withdrawal will accelerate.
- Transparency: Processes will be more transparent.
- Security: The possibility of fraud will be less.
conclusion
These new rules will provide many benefits to employees and pensioners. These decisions of EPFO will not only increase financial security, but will also give more flexibility to pensioners. However, equity investment involves risk, so members should take careful decisions.
Disclaimer: This article is for general information and is based on the possibilities of changing EPFO rules. This information can be based on real and official announcements, but it would be appropriate to confirm the official EPFO website or concerned officials before any decision.
