EPFO New Rules 2025: 5 big changes for PF account holders, know full details!
EPFO New Rules 2025: 5 major changes for PF account holders
The Employees’ Provident Fund Organization (EPFO) has made some important changes for 2025 which will directly affect the PF account holders. Let us know about these 5 major changes in detail.
- Expansion of Higher Pension Scheme
Now PF account holders can apply for Higher Pension Scheme.
Eligibility will be decided on the basis of date of appointment and contribution period.
- Speed up in online claim settlement
EPFO has implemented new technology to make online claim settlement faster than before.
Now the claim settlement will be done within 3 to 5 days.
- Link to Aadhaar mandatory
It has been made mandatory to link all PF accounts with Aadhaar.
Contribution can be stopped in accounts without Aadhaar link.
- Announcement of new interest rates
The interest rate for the financial year 2025 has been announced at 8.3%.
This rate is higher than last year.
- Increase in free insurance cover
The insurance cover under the EDLI scheme has been increased to ₹8 lakh.
This insurance cover will be available to the family of PF account holders.
Tips for you:
If you have a PF account, it is important to stay updated about these changes.
EPFO online claim process and pension scheme information
- How to claim EPFO online?
Step-by-step guide:
Login to EPFO portal: Visit the EPFO website and login with UAN number and password.
Go to the Manage section: Update your Aadhaar, bank details and PAN correctly.
Click on Online Services:
Select the Claim (Form-31, 19 & 10C) option.
KYC Verification: After KYC is correct, claim option will appear.
Submit Claim:
Fill the form and upload required documents.
Save Tracking ID after submission.
Check Status: Know the status from “Track Claim Status” option.
Claim settlement time: 3 to 5 working days.
- Apply for EPFO Higher Pension Scheme
Important Eligibility:
Both EPF and EPS contribution must be made during the job.
Joining date and PF saving data are required for application.
Online Application Process:
Visit EPFO Pension Portal.
Click on “Pension on Higher Wages” link.
Login with UAN number and Aadhaar.
Fill in the required information and upload documents.
Submit the application and note down the receipt number.
Required Documents:
Aadhar Card
Bank Passbook
Job Joining Letter
Passport Size Photo