EPFO Rolls Out Major Reforms in 2025 to Enhance Subscriber Experience

The Employees' Provident Fund Organisation (EPFO) has introduced a series of significant reforms in 2025 aimed at simplifying procedures and enhancing digital accessibility for over 7 crore active members in India's organized private sector.

EPFO has streamlined the process for updating member profiles. Members whose Universal Account Number (UAN) is linked with Aadhaar can now update personal details such as name, date of birth, gender, nationality, parents' names, marital status, spouse's name, and date of joining online without the need for additional documentation. However, members with UANs created before October 1, 2017, may still require employer approval for certain updates. 

Hassle-Free PF Transfers

Transferring Provident Fund (PF) accounts during job changes has been made more straightforward. Effective January 15, 2025, in most cases, PF transfers no longer require approval from either the previous or new employer, expediting the process and ensuring quicker fund accessibility for employees. 

Digital Joint Declaration Process

The joint declaration process, essential for correcting member details, has been digitized. Members with Aadhaar-verified UANs can now submit joint declarations online. However, in cases where the UAN is not Aadhaar-verified, not yet created, or pertains to deceased members, physical submission remains necessary. 

Centralized Pension Payment System (CPPS)

EPFO has launched the Centralized Pension Payment System (CPPS) from January 1, 2025. This system enables direct pension disbursements to any bank account through the National Payments Corporation of India (NPCI) platform, eliminating delays caused by transferring Pension Payment Orders (PPOs) between regional offices. New PPOs are now mandatorily linked to UANs, facilitating easier submission of Digital Life Certificates by pensioners. 

Clarity on Higher Pension Eligibility

EPFO has provided clear guidelines for employees opting for pensions based on higher salaries. Employees earning above the prescribed limit can now avail themselves of higher pension benefits by making additional contributions. This uniform approach ensures transparency and assists members in maximizing their pension entitlements. 

EPFO has also updated Form 13 to reflect taxable and components of PF interest separately, simplifying tax compliance for members. Furthermore, employers can now generate UANs in bulk without the need for Aadhaar seeding, particularly benefiting members associated with exempted PF trusts or those undergoing recovery proceedings. 

These reforms underscore EPFO's commitment to enhancing user experience through digital empowerment, transparency, and streamlined processes.