The Employees’ Provident Fund Organisation’s (EPFO) latest rule changes aim to modernise and streamline access for over seven crore subscribers.

But alongside greater digital access and simpler partial withdrawals, the new rules introduce tighter timelines for full settlements and a permanent 25% lock-in—raising questions around flexibility and financial planning. Advertisement

As part of its EPFO 3.0 roadmap, the Central Board of Trustees has simplified 13 partial withdrawal provisions into three broad categories—Essential Needs, Housing, and Special Circumstances—making it easier for members to access funds.

Withdrawal limits have been liberalised, minimum service requirement cut to 12 months, and several claims can now be processed without documentation.

However, the full and final

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