EPFO 2025: New Digital Rules for Faster Pension Claims, Home-Improvement Advances and More

The Employees’ Provident Fund Organisation (EPFO) introduced new rules on April 17 to make the pension claim process smoother, faster, and more digital. Here are five key updates every member should know:

Easy Home-Improvement Claims Without Documents

EPFO members can now take an advance from their PF account for home improvements under Para 68B (7) by simply declaring that the house is at least 5 years old. They no longer need to submit any proof or documents of earlier withdrawals. This self-declaration speeds up the approval process and reduces paperwork.

Read More, EPFO 2025: Major Reforms You Should Know About. 

No More Bank Document Uploads or Employer Approval

Members don’t need to upload scanned cheque leaves or attested passbook copies anymore to link their bank accounts. Also, employer approval is no longer required. Now, bank details can be directly updated on the EPF portal, making the process simpler and reducing the chances of rejection due to unclear documents.

Faster Claims with IT System Upgrades

Thanks to upgraded backend systems, EPFO can now automatically verify eligibility and approve claims. Earlier, it took 10–15 working days to process a withdrawal. Now, most claims are expected to be settled in under a week.

Secure Access Through Facial Recognition on UMANG App

EPFO has introduced facial authentication via the Aadhaar-linked UMANG app for UAN activation. This new feature ensures accurate details and prevents fraud. In the future, this security step will also be used for PF withdrawals, combining safety with speed.

Other Key Changes in 2025

• Simplified Form 13: PF transfers between jobs are now easier with an improved online form. 
• Updated Dearness Relief (DR): Pensioners will get revised DR rates from January 1, 2025. 
• Centralised Pension Payments: Pensioners can now receive payments from any bank branch across India. 

Conclusion

These updates show EPFO’s push to make pension-related services faster, paperless, and more user-friendly. By cutting down on physical paperwork and introducing digital tools, EPFO is helping members access their benefits more easily and securely.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.                             

Investments in securities market are subject to market risks, read all the related documents carefully before investing.