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EPF

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To generate and submit a Digital Life Certificate (DLC), the pensioner must have a valid Aadhaar number and an active mobile number, with the Aadhaar number already registered with the Pension Disbursing Agency (PDA), such as a bank or post office.
EPFO Jeevan Pramaan Patra online: How pensioners can submit life certificate using Aadhaar Face ID?

Pensioners who are not comfortable using a smartphone or Aadhaar face authentication can take the help of a family member,…

August 10, 2026 20:10 IST
Keeping nomination details updated ensures that records remain aligned with the member's present wishes and reduces the possibility of administrative complications or competing claims in the future.
EPFO Rules 2026: Got married? Here’s why you should update your EPF nomination immediately

Members should ensure that their nomination details are accurate, review them after key life events such as marriage, divorce, remarriage,…

July 29, 2026 19:13 IST
Most EPS disputes arise due to interpretation of scheme rules, record mismatches, or delays in claim processing.
EPS pension disputes: Top 5 reasons cases reach EPF Appellate Tribunals and courts

Avoid EPS pension disputes by knowing the top legal triggers, EPFO record checks, common claim mistakes, and available grievance redressal…

July 27, 2026 19:53 IST
Breaking Your Nest Egg for a Home? Why Withdrawing Your EPF Could Cost You Crores
Think twice before tapping your EPF to buy a house

It can cost you five times of the interest you would pay on a home loan

Updated: July 27, 2026 05:14 IST
Employees may assume that simply leaving the money untouched guarantees uninterrupted credit of current interest of 8.25% per annum but under the current framework, that is not generally the case.
EPFO rules explained: When your EPF balance stops earning interest?

EPF remains one of India’s relatively stable long-term retirement savings instruments, with annual interest declared by the EPFO. Premature withdrawals…

July 23, 2026 17:22 IST
The Universal Account Number (UAN) has become the anchor of an employee's EPF account, making it essential for accessing services such as viewing passbooks, filing claims, transferring balances, and updating KYC.
Forgot your UAN? EPFO lets you retrieve it online in minutes—here’s how

EPFO’s online UAN retrieval facility has significantly reduced dependence on employers by allowing members to recover their Universal Account Number…

July 22, 2026 18:05 IST
Regardless of the circumstances, the scheme only covers disputes over damages under Section 128 of the Code on Social Security, 2020 or Section 14B of the EPF Act.
Google Trends: Pending EPF disputes? EPFO VISHWAS 2026 Scheme offers a fresh opportunity

Regardless of the circumstances, the scheme only covers disputes over damages under Section 128 of the Code on Social Security,…

July 22, 2026 11:13 IST
The Employees' Pension Scheme (EPS), 2026, notified under the Code on Social Security, 2020, broadly retains the withdrawal benefit framework that existed under the earlier EPS, 1995.
EPS Scheme 2026: Know when you can claim a lump-sum withdrawal and when you can’t

Short career breaks do not necessarily break pensionable service, but failure to transfer previous EPS records can create gaps in…

July 17, 2026 17:44 IST
The most important fact to understand is that the EPFO does not stop crediting interest at the age of 55, nor is there a rule that stops it exactly three years after you retire.
EPF after retirement: The age at which your PF balance actually stops earning interest

Under the Employees’ Pension Scheme (EPS), 50 is the threshold where an individual becomes legally eligible to opt for an…

July 16, 2026 19:48 IST
While the Employees' Provident Fund (EPF) continues to remain a long-term retirement savings instrument, the recent reforms fundamentally change how employees access and manage these savings.
How is EPFO 3.0 changing retirement planning for salaried individuals?

Historically, many employees viewed EPF as a cumbersome system that was difficult to access when genuinely needed. EPFO 3.0 changes…

July 15, 2026 17:01 IST
An employer can apply under VISHWAS 2026 if the dispute is still pending at any stage.
EPFO VISHWAS 2026: Who can apply, how lower penalties work, and key conditions to settle PF disputes

The EPFO VISHWAS 2026 scheme is designed exclusively for past defaults. Its benefits apply only to delays or defaults that…

July 14, 2026 17:00 IST
Employers running recognised provident fund trusts without formal EPFO exemption can now regularise their status under a one-time Amnesty Scheme and receive relief from pending legal proceedings, subject to conditions.
EPFO Amnesty Scheme 2026: Who can apply, key benefits, eligibility and 6-month deadline

The scheme is quite significant because it strengthens regulatory alignment between the Income Tax framework and the EPF regime under…

July 13, 2026 14:05 IST
EPF interest calculation often confuses many salaried employees. A common belief is that if the EPF interest rate is 8.25% a year, your PF balance earns a fixed 0.69% interest every month (8.25% ÷ 12).
EPF interest at 8.25%: Why your PF doesn’t earn a fixed monthly return?

While the interest becomes visible only once a year, the corpus is effectively growing every month through fresh contributions and…

July 10, 2026 17:38 IST
The Employees' Pension Scheme (EPS), 2026, is fundamentally a transition to the social security framework envisaged under the Code on Social Security, 2020.
New EPS Scheme 2026 Explained: 10 things every employee should know about what changed and what did not

The biggest structural change is that EPS-2026 replaces the Employees’ Pension Scheme, 1995, and operates under the Code on Social…

July 10, 2026 17:22 IST
It is important to note that, under current EPFO rules, even inoperative EPF accounts continue to earn interest until the member reaches the age of 58, provided the account remains eligible under the applicable provisions.
Lost track of your old EPF account? Here’s how EPFO’s new service history feature can help

The feature is intended to provide members with a single, authenticated record of their employment and provident fund service, making…

July 9, 2026 16:11 IST
The retirement challenge hidden inside the new EPF rules: Could VPF become your biggest retirement tool?
New EPF rules could leave a gap in your retirement corpus. Here’s how voluntary PF can help

The proposed EPF Scheme, 2026, makes it clear that the mandatory EPF contribution remains capped at 12% of the statutory…

July 6, 2026 19:49 IST
Under the new EPF Scheme, 2026, members can make partial PF withdrawals for specific purposes, subject to eligibility conditions.
New EPF rules: Check 5 valid reasons for partial PF withdrawal and how much you can get

Planning to withdraw from your PF? Understand the new EPF Scheme 2026 rules, valid withdrawal reasons, eligibility, and how much…

July 3, 2026 18:30 IST
EPF retirement planning: Why your final 5 working years matter more than you think
Retiring at 53 or 58? These 5 years could make over Rs 1 crore difference to your EPF corpus

Your last five working years could be the most important phase of your EPF journey. An illustration shows how staying…

July 3, 2026 17:35 IST
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