The Employees’ Provident Fund Organization (EPFO) has introduced significant updates in 2025 aimed at improving member services and simplifying processes. These changes include streamlining the joint declaration process, implementing the Centralized Pension Payment System (CPPS), enabling easy PF transfers, enhancing the member profile update process, and clarifying pension policies for higher wages. Understanding these updates can help EPF members manage their accounts more efficiently.
Key Changes Introduced by EPFO in 2025
Easy Provident Fund (PF) Transfers
The EPFO has made transferring PF accounts significantly easier for members switching jobs. According to a circular issued on January 15, 2025, the following cases no longer require online transfer requests to be routed through previous or current employers:
- Transfers between Member IDs linked to the same UAN issued on or after October 1, 2017, validated by Aadhaar.
- Transfers between Member IDs linked to different UANs issued on or after October 1, 2017, validated by the same Aadhaar.
- Transfers between Member IDs linked to the same UAN issued before October 1, 2017, where Aadhaar and personal details (name, DOB, gender) are consistent across Member IDs.
These updates aim to ensure seamless and error-free PF transfers for members.
Did you know? You can check your latest EPFO balance on the MobiKwik app.
Enhanced Member Profile Updation
EPFO has simplified the process for updating member profiles, ensuring better data accuracy and accessibility. Key highlights of this update include:
- Members with Aadhaar-verified UANs can update personal details such as name, DOB, gender, marital status, joining and departure dates, and nationality without the need for supporting documents.
- For UANs issued before October 1, 2017, employer certification may be required in specific cases.
This initiative reflects EPFO’s commitment to providing user-friendly services and maintaining accurate member records.
Simplified Joint Declaration Process
The EPFO has revised the joint declaration process, replacing specific recommendations outlined in SOP Version 3.0 issued on July 31, 2024. As per the updated circular dated January 16, 2025, the new guidelines simplify the process by categorising members into distinct classifications:
- Category A: Member IDs linked with UANs generated post-October 1, 2017, and validated by Aadhaar (requests submitted online).
- Category B: Member IDs linked with UANs generated before October 1, 2017, with name, date of birth (DOB), and gender validated by UIDAI (requests submitted online).
- Category C: Member IDs without Aadhaar validation, UANs, or belonging to deceased members (requests submitted physically by members or claimants).
This streamlined approach is expected to reduce procedural delays and improve efficiency.
Introduction of the Centralized Pension Payment System (CPPS)
Effective January 1, 2025, the EPFO has implemented the Centralized Pension Payment System (CPPS) to streamline pension disbursements. Key features of CPPS include:
- Pension payments are processed through the National Payments Corporation of India (NPCI) for any scheduled commercial bank account across India.
- No need to transfer Pension Payment Orders (PPOs) due to jurisdictional changes in banks or branches.
- Aadhaar-linked UAN-KYC bank accounts can be used for pension claims, reducing payment errors.
- New PPOs require Aadhaar details for seamless submission of Digital Life Certificates (DLCs).
As per the EPFO’s circular dated January 17, 2025, regional offices are now CPPS-enabled, ensuring a centralized and error-free pension payment process.
Clarifications on Pension for Higher Wages
The EPFO has issued clarifications regarding Pension on Higher Wages (PoHW) under the Employees’ Pension Scheme (EPS) to address policy issues raised by field offices. The clarifications include:
- Ensuring equitable pension computation for all categories of pensioners.
- Strict adherence to trust rules for exempted establishments.
- Clear demarcation of processes for dues and pension arrears, ensuring transparency and consistency.
These clarifications, developed in consultation with the Ministry of Labour & Employment (MoL&E), aim to enhance legal and procedural compliance while resolving member grievances effectively.
Conclusion
The major changes introduced by EPFO in 2025 reflect a significant shift towards member-centric services and operational transparency. From simplified joint declaration and PF transfer processes to the implementation of CPPS and clarifications on pension policies, these updates are set to benefit millions of EPF members across India. Staying informed about these changes can help members make better use of EPFO’s services and manage their accounts with ease.
Track Your EPF with the MobiKwik App
Managing your EPF account is now more convenient with the MobiKwik App. The app offers a feature to track your PF account, balance, and interest credited by simply fetching your UAN number. Users can view their monthly EPFO account contributions and check the total balance to date. This seamless tracking tool ensures members stay updated on their EPF status, making financial planning more efficient and hassle-free. These updates from the EPFO, coupled with tools like the MobiKwik App, make managing your provident fund simpler, more transparent, and accessible to all members.
How to Check PF Balance on the MobiKwik App
- Install the MobiKwik app from the Google Play Store or Apple App Store.
- Open the app and log in using your mobile number and OTP.
- Tap on the “All Services” section
- Tap on “Track EPF balance”
- Enter UAN linked to your EPF account.
- Verify OTP
- View your EPF account details, including your total balance, monthly contributions, and interest earned.
