The Employees Provident Fund Organization (EPFO) has made several significant changes in its rules in the year 2025. These changes are very important for members of EPF (Employees ‘Provident Fund and EPS (Employees’ Pension Scheme). These changes have made it easier for procedures such as PF transfer, pension payment, and member profile updates. Understanding these rules will help you manage your EPF account better.
These changes include Centralized Pension Payment System (CPPS), joint declaration process, and guidelines for high pension benefits. These changes have been made to increase EPFO’s administrative efficiency and improve members’ experiences. In this article, we will discuss these changes in detail and tell you what you have to do according to these rules.
EPFO Rules Change Views
The table below gives details of the major changes made by EPFO in 2025:
| Change of rules | Description |
| EPF Transfer | Now in some cases there is no need for online transfer application through pre -or current employer. |
| Member profile update | It has become easier for members of Aadhaar verified UAN to update personal details online. |
| Centralized pension payment system (CPPS) | This system makes pension payment more efficient and error-free. |
| Joint declaration process | This process has been simplified and members are classified into three categories. |
| High pension benefits | Clarity has been brought in the guidelines for pension on high salary. |
Change in EPF transfer rule
EPFO has implemented new rules to simplify the PF transfer process. Now in some cases there is no need for online transfer application through pre -or current employer. This rule applies to members who have Aadhaar verified UAN and whose names, date of birth, and gender are the same in all accounts.
- The same UAN and Aadhaar: If you have the same UAN that is created after 1 October 2017 and is connected to Aadhaar, you can easily transfer between your accounts.
- Various UAN and the same basis: If you have different UAN but all are connected to the same base, you can still transfer.
- Old UAN: If your UAN is built before 1 October 2017 and is linked to Aadhaar, you can still transfer your name, date of birth, and gender are the same in all accounts.
Changes in the rule of member profile update
EPFO has also simplified the members profile update process. Now members of Aadhaar verified UAN can update their personal details such as names, date of birth, gender, nationality, parental information, matrimonial status, spouse information, and job dates without any document. However, if your UAN is released before 1 October 2017, in some cases the employer’s confirmation may be necessary.
Centralized pension payment system (CPPS)
EPFO has implemented the Centralized Pension Payment System (CPPS), which is effective since 1 January 2025. This system makes pension payment more efficient and error-free through the National Payments Corporation of India (NPCI). Now pensioners will get the facility to get pension in their UAN-KYC linked accounts, which will not delay the payment. Aadhaar registration will be necessary for the new pension order so that digital life certificate can be submitted.
Change in joint declaration process
EPFO has issued new guidelines to simplify the joint declaration process. This process replaces the SOP Version 3.0, which was released on 31 July 2024. Members are now classified into three categories:
- Category A: Members whose UANs are created after 1 October 2017 and verified by Aadhaar can submit requests online.
- Category B: The members whose UAN are created before 1 October 2017 and whose name, date, and gender base can also submit online requests.
- Category C: Members who do not have Aadhaar verification or do not have UAN, or those belonging to dead members will submit requests physically.
Guidelines for high pension benefits
EPFO has brought clarity in guidelines for high pension benefits. These guidelines ensure transparency and equality in high -pay cases on pension. These include justified and uniform pension calculation, strict adherence to the trust funds, and handling the outstanding dues and handling the pension outstanding.
Important steps for EPF account holders
According to these rules, EPF account holders should take the following steps:
- Aadhaar Verification: Be sure to link your UAN to Aadhaar so that you can easily update your account and take advantage of the transfer process.
- Profile Update: Update your personal details online so that your records are up to date.
- Pension Payment: Keep your UAN-KYC up to date to ensure your pension payment under CPPS.
- Joint Declaration: If necessary, follow the new guidelines of the joint declaration process.
Disclaimer: This article is written with the aim of providing general information. The information given in it should not be taken as personal financial advice. For detailed and updated information about rules and procedures related to EPFO, please contact the official EPFO website or concerned authorities.
