Employees in India have recently made major changes in their services, which will benefit millions of employees and pensioners. These changes will not only simplify the process, but will also save time. In this article, we will discuss in detail about these new reforms and services made by EPFO.
EPFO New Services Overview
Below is a summary of the major changes made by EPFO:
| Speciality | Description |
| Auto claim limit | Increased from ₹ 1 lakh to ₹ 5 lakh |
| Claim process | Cancel without check or passbook |
| Pension payment system | Centralized pension payment system (CPPS) riders |
| PF withdrawal by ATM and UPI | Available soon |
| Minimum pension | Increased from ₹ 1,000 to ₹ 3,000 |
| Digital life certificate | Base based |
EPFO Claim Process simplification
Rapid PF Nutrition Process
EPFO has made the PF withdrawal process more simpler than before. Now the member will neither have to upload cancel check nor submit a copy of the passbook for bank account verification. Apart from this, the process of replacing bank account has also become easier. Members can only enter new account number and IFSC code, which will be verified by Aadhaar based OTP.
Employer approval does not require approval
Earlier, the approval of the employer was required for the bank account verification, but now it has been completely abolished. This will reduce the claim rejection rate and speed up the process.
Centralized pension payment system
Importance of cpps
EPFO has implemented Centralized Pension Payment System (CPPS) since January 2025. Under this, pensioners can get their pension from any bank branch of the country. This system works through Digital Life Certificate, which eliminates the requirement of physical verification.
Benefits of CPPS
- Pension payment increases
- PPO transfer is not required for changing bank branch
- Reduction in payment errors
PF withdrawal by ATM and UPI
EPFO will soon launch PF withdrawal facility through ATM and UPI. This facility will provide quick access to employees to their funds. With the implementation of this service, employees will be able to use their PF funds at any time and anywhere.
Minimum pension increase
Revised minimum pension
EPFO has increased the minimum pension amount from ₹ 1,000 per month to ₹ 3,000 per month. This decision has been taken keeping in mind the increasing cost of inflation and living.
Pension increase benefits
- About 6 million pensioners will benefit.
- Financial stability of low income group employees will be ensured.
- Fund allocation will be done by the government and EPFO.
Auto claim limit increase
EPFO has increased the auto claim limit from ₹ 1 lakh to ₹ 5 lakh. This change will be especially beneficial for those members who require an advance claim for reasons like education, marriage or buying a house.
Expansion of digital services
Member profile update
EPFO has made the member profile update process easier. Now members with Aadhaar-verified UAN can update their personal details like names, date of birth, gender etc. online.
IT system upgrade
The EPFO is upgrading its IT system to speed up and secure the claim process. This upgrade is expected to be completed by June 2025.
Rejuvenation
This article is based on new services and reforms declared by EPFO. The objective of these services is to ensure financial security of employees and pensioners. However, some services have not yet been implemented and will be implemented in a phased manner in the future.
If you want to take advantage of these services, make sure that your UAN is linked to Aadhaar and your documents are correct. The information given by EPFO is real and can be considered based on government announcements.
