The Employees Provident Fund Organization (EPFO) has announced several important changes related to the PF account in 2025. These changes will not only make services easy for employees, but will also strengthen their financial safety.
Under the new rules, along with simplifying the process of withdrawing money from the PF account, many new facilities have also been added. But with these changes, some precautions are also necessary, as a small mistake can block your PF account.
In this article, we will discuss in detail about new rules, their characteristics, and potential risks so that you can use your PF account correctly.
What are the new rules related to PF account?
PF withdrawal facility from ATM
EPFO has announced that since 2025 employees will be able to withdraw money from their PF account through ATM card. This facility will be available 24 × 7 and the process of withdrawing money will become faster and easier.
- How will it work?
- EPFO will issue a special PF ATM card.
- Employees will be able to use this card related to their UAN (Universal Account Number) and bank account.
- Only up to 50% withdrawal of PF balance will be possible.
PF contributing in border change
Till now, employees had to deposit 12% of their basic salary in PF, with a range of up to ₹ 15,000. Under new rules:
- Employees can contribute on the basis of their full salary.
- This will make it possible to save more for retirement.
IT system upgrade
EPFO has decided to upgrade its IT system. Its purpose:
- To intensify claim processing.
- Stopping fraud.
- Bringing transparency in services.
KYC update compulsory
To protect the PF account from blocking, KYC (Know Your Customer) details must be correct. This includes the correct of Aadhaar, PAN, and bank details.
How to avoid mistakes related to PF account?
Under the new rules, if there is an error in your PF account or the KYC details are incomplete, your account may be blocked. Here are some important things:
- Update KYC: Make sure your base, PAN and bank details are correct and updated.
- Use the UAN correctly: Link the UAN correctly so that all the services can run smoothly.
- Do not keep an error in details: There is no mistake in the name, date of birth or other personal information.
- Use online transfer: Transfer your PF online on changing jobs.
PF Account: Summary of main features
| Rules/facility | Description |
| ATM withdrawal facility | ATM card withdrawn up to 50% of PF balance |
| Contribution limit was removed | Permission to contribute to the entire salary |
| IT system upgrade | Claim processing fast and transparent |
| KYC mandatory | Aadhaar, PAN and Bank details verification |
| Online transfer facility | PF transfer easy for changing jobs |
| Equity investment option | PF funds permission to invest in equity |
What to do when PF account is blocked?
If your PF account is blocked, adopt the following process:
- Update KYC: Go to your nearest EPFO office and correct KYC details.
- Enter online request: Go to the EPFO portal and enter the unblock request.
- Seek the help of the employer: If your UAN is linked to another account, get it transferred.
- Go to the field office: If your employer is closed then go to EPFO Field Office and seek help.
Benefits of new rules
With the implementation of new rules, employees will get many benefits:
- Easy withdrawal: ATM card facility to withdraw money immediately.
- Better savings: The option to contribute to the entire salary.
- Transparency: IT system upgrade will reduce fraud.
- Emergency Fund: Up to 50% of PF balance will be available immediately.
Conclusion
The new rules implemented by EPFO will prove to be convenient and beneficial for employees. But it is necessary to use them properly so that your PF account is safe and there is no problem in future.
Disclaimer
This article is based on new rules declared by EPFO. Please confirm from the official website or concerned office whether these features apply to your situation.
