New EPFO Rules 2025: Higher Pension, Early Withdrawal, and Digital Pension Claims | Check Fresh Reforms

Decisions related to the Employees’ Provident Fund (EPF) often attract significant attention, given that they impact the retirement savings of crores of workers. Unsurprisingly, the latest reforms proposed by the Employees’ Provident Fund Organisation (EPFO) on October 13 have sparked considerable interest.

The EPFO, which manages provident funds, has introduced several important rule changes aimed at benefiting contributors to the EPF. Every month, a portion of an employee’s salary is deposited into their PF account, and these updates will directly affect those contributions.

If you are a PF account holder, you are likely to benefit from these changes. Let’s take a closer look at what has been revised.

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EPFO New Rules: What Has Changed?

- Increased Pension Limit

Following a Supreme Court order, the EPFO has made a significant revision to its pension scheme. Previously, retirees could receive a maximum pension of Rs 7,500 per month under the EPFO. This limit has now been doubled to Rs 15,000 per month.

This increase will provide much-needed relief to former employees who had higher salaries but were limited by the previous pension cap.

- Pension Withdrawal Now Possible at Age 50

Earlier, the minimum age to withdraw a pension under EPFO was 58. Now, pension benefits can be accessed starting at age 50. However, opting for early pension withdrawal may result in a reduced pension amount.

Under the newly enacted EPFO rules of 2025, individuals can withdraw up to 100 per cent of their EPF balance eligibility, which includes both the employee’s and employer’s contributions combined.

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- Online Pension Claims

Claiming a pension was once a cumbersome process that often took months for approval. EPFO has now digitised most of its services. From submitting pension claim forms to receiving approvals, the entire process can be completed online.

Additionally, EPFO has launched the Centralized Pension Payment System (CPPS) for EPS pensioners. This system allows pensioners to receive their pension from any bank branch, regardless of where the Pension Payment Order (PPO) was issued.