EPF News: EPFO’s official website was closed for maintenance for some time. Now this website has been restarted in a new way. But not only the website has been updated but many more facilities have now come for its members. Which will help them to fulfill their future and dreams. One of these dreams is ‘to build one’s own house’.

Who doesn’t dream of building their dream home? Now EPF has also found a way to help its members in this. With this new change, you can build or buy your dream home with the help of EPF. Let us know about this new facility.

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House will be built with EPF
Actually this new facility is EPF Advance, with the help of which building a house has become very easy. If this dream of yours is still unfulfilled, then this facility of Employees Provident Fund Organization i.e. EPFO ​​can be very useful for you. A post has been shared about this through the official x (Twitter) account of EPFO. See the post here:

EPF Advances Simplified for Life’s Needs

Know all about EPF Advance for Housing!#EPFO #EPFOWithYou #HumHainNa pic.twitter.com/NTb0FJpulY

— EPFO ​​(@officialepfo) July 9, 2026

Through this post it has been told that EPF advance has made the needs of life easier. Now you can take help of EPF advance to build a house. Along with this, it has been told how EPF can help you in building your dream house.

Features of EPF advance

• Through EPF advance, advance up to 75% of the amount deposited in the account can be taken.
• Through this facility, you can get help in purchasing a house, flat or plot.
• With the help of this facility, you can build a new house and repay home loan.
• You can also get repair, renovation or improvement work done in the house or flat.
• This facility can be availed by those who have been a member of EPF for at least 12 months i.e. 1 year.
• Housing advance can be taken maximum 5 times during EPF membership.

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Employees will get relief
Let us tell you that this scheme is especially a relief for those employees who want to buy their first house or want to reduce the burden of the home loan already taken. This may also reduce the need to take extra loan from the bank. However, withdrawing advance from EPF may affect your retirement fund. Therefore, before withdrawing money, it is important to keep in mind your future needs and savings.

EPFO Update 2026: After being closed for about eight days due to technical upgrade, the online portal of the Employees’ Provident Fund Organization (EPFO) has finally become operational. After a long period of maintenance and system updates, now members and employers will be able to use its services again. According to EPFO, there may still be slight delays or some technical problems in the working of some online facilities in the beginning.

EPFO says that the database and software have been upgraded on a large scale to make the portal faster and better than before. Its main objective is to provide better and reliable services to the users in future.

Why was the website closed?

EPFO’s website was closed for about a week due to maintenance and technical upgrade. Earlier this service was planned to start from June 29, but later it was extended to July 1 and July 3, 2026. At the same time, the website has been restarted today afternoon and all the major services seem to be gradually becoming normal.

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What changed in claim and passbook service?

According to EPFO, now PF claims and service requests will be processed in a phased manner. Additional verification and validation of every application will be done for the first two weeks, so that there is no glitch of any kind in the system and it works completely properly. During this period, processing of PF claim, passbook and some other online services may take more time. Currently all services are now available to use.

EPFO says that all the software has been upgraded to make the system better, faster and safer than before. However, they have not given any information as to what new features have been added to the passbook or claim service after the upgrade and how much easier the process will be compared to before.

EPFO issued important advice for members

• Do not submit the same claim or request repeatedly.
• Avoid logging in again and again or checking the status of the claim if not necessary.
• All members should be patient during technical upgrade.

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EPFO News: The website of EPFO ​​i.e. Employees Provident Fund Organization was closed for the last several days. That’s because this website was being updated for better experience of the people. Even now this website is closed. However, now EPFO ​​has told its customers when they can avail this facility again.

When will the services start?
In fact, since the time the system was being updated, information was being continuously updated on EPFO’s social media. Now EPFO ​​has told when they are going to launch their website again.

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A post has been shared through the official X (Twitter) account of EPFO. Through which it has been told that EPFO’s website will reopen from 12 midnight on 3rd July. In this official message, it has been said that this upgrade is being done with the aim of providing better, faster and more secure digital experience to the members. Expressing regret for the inconvenience caused due to disruption of services, the organization has also appealed to the people to remain patient.

EPFO System Upgrade in Progress
Just a Little Wait for a Better Digital EPFO ​​Experience.

Member and Employer services will resume on 3 July 2026 | 00:00 Hrs.

We deeply regret the inconvenience caused and appreciate your patience. pic.twitter.com/L1gnytM64w

— EPFO ​​(@officialepfo) July 2, 2026

When was the website closed?
EPFO portal was closed for the last 7 days. Earlier it was told that EPFO ​​portal is going to remain closed from 26th to 30th June. But after 30th, 1st date, then 2nd date and now 3rd date has been mentioned. In such a situation, consumer confidence is also wavering. Now consumers are beginning to feel that they will not be able to take advantage of this facility. Even many people say that after posting on 3rd, it will be said that the portal will start from 4th, and the date will keep getting extended like this.

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Consumers are not able to take advantage of these facilities
Let us tell you that due to this updation work, employees and companies are not able to use many online facilities. Which also includes viewing PF balance, downloading passbook, filing claim, updating KYC, services related to UAN and contribution related work by employers.

EPFO New Rule: Employees’ Provident Fund Organization (EPFO) has made a major change in the provident fund rules for its eight crore active subscribers, the impact of which may be visible on your take-home salary. Regarding the new rule, EPFO ​​has said that from now onwards the PF contribution of Rs 1800 every month will be completely voluntary.

Employees will have the option to deduct more PF

Under the new rule, a contribution of 12% up to the legal salary limit (which is currently Rs 15,000 per month) is mandatory. Contribution more than this will be considered voluntary. According to the provisions of the Employees’ Provident Funds Scheme, 2026, notified on Wednesday, “An employee may choose to make additional contributions on a voluntary basis at the statutory rate or at any rate higher than the statutory salary limit.

The new rule is not for everyone

That is, if your basic salary is Rs 15000 per month or more, then according to the government rules, you will have to pay 12% of it i.e. Rs 1800 every month as PF contribution. The new change made in the rules is for those people whose salary is very high.

For example, if someone’s basic salary is Rs 50,000, then as per the earlier rule, 12% (approximately Rs 6000) of his salary was deducted in PF. Now under the new rule, even if your basic salary is Rs 1 lakh per month, the company will deduct Rs 1800 only on the initial limit of Rs 15000, which is mandatory. The employer will also contribute equally in this. Whether you have to deduct more PF from the remaining salary as retirement savings or not, it will completely depend on your choice.

How will you benefit from this?

If you do not deduct PF on the remaining salary above Rs 15,000, then that amount will be added to your take-home salary, that is, your salary will increase. Companies will also benefit from this because they will not legally have to pay a correspondingly large contribution on the employee’s high salary.

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Want to claim PF? Wait! EPFO portal will not work today, know when will the services start?

EPFO Portal: Employees Provident Fund Organization (EPFO) is going to stop all its online services till the night of July 1, 2026 due to technical upgradation (Centralized IT System 2.0). This includes everything from PF claim to passbook download and UAN. As per the notice given on the EPFO ​​portal, the services will no longer be available till 11:59 pm on July 1 and are expected to resume from 12:00 am on July 2, 2026.

Why is the deadline being extended?

This time limit is being extended with the aim of increasing the speed of the portal and increasing the speed of claim settlement in future. These days, EPFO ​​is busy in the work of consolidating the database of its claim processing system and upgrading the software since June 26.

After this upgradation, the time taken for claim settlement will be significantly reduced, processing efficiency and service delivery will be better and the problem of frequent portal crashes will also be fixed. However, as long as the work continues, members and employers will not be able to access online services through the member interface and employer interface.

pic.twitter.com/Gn2rcyLbA7

— EPFO ​​(@officialepfo) July 1, 2026

Now what is the solution?

If you have to claim PF or check your passbook for any important work, then wait for the restart of the system on July 2. However, if there is any situation like marriage or medical emergency, you can go to your nearest PF office and submit the physical form.

Deadline extended twice

When EPFO ​​initially started functioning from June 26, it had said that online services would be closed till June 28 and they would be reinstated on June 29. Later the maintenance deadline was extended to June 30 and it was told that the service would start from July 1. Now in the latest notice it has been said that there will be a delay of one more day in starting the service. Now services on the portal are expected to be available from July 2.

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EPFO Interest Rate News: Every person working in private or government institutions is aware of Employees Provident Fund (EPF). Under this, funds are deposited to secure the future of the employees and ensure continuous financial support even after retirement. Now the government has taken a big step for the employees availing the benefit of this fund and has increased the interest rates on it.

The Finance Ministry has given official approval to increase the interest rate to 8.25% for more than 7 crore account holders of the Employees’ Provident Fund Organization (EPFO). The government has increased the interest rates on deposits in the Employees Provident Fund (EPF) for the year 2025-26. According to media reports, the Finance Ministry has approved the 8.25% interest rate fixed by the Central Board of Trustees (CBT). It is expected that this month this amount will be deposited in the accounts of about 7 crore EPF members. Let us tell you that CBT is the biggest decision making body of the Employees Provident Fund Organization (EPFO).

Interest rates remain stable for the third consecutive year

In the CBT meeting chaired by Union Labor Minister Mansukh Mandaviya on March 2, it was decided to fix the interest rate at 8.25% for the financial year 2025-26. It is noteworthy that this is the third consecutive year when it was decided to maintain the interest rate at 8.25%. The interest rate in the financial year 2022-23 was 8.15%, which was increased to 8.25% in 2023-24 and now the same rate will be applicable at present also.

The annual interest rate of 8.25% on monthly basis comes to 0.688% per month. That means, at the end of every month, whatever balance is there in your PF account (employee and employer’s contribution), interest is added at the rate of 0.688%. At the end of the year, it is credited to your PF account simultaneously.

How to check balance?

• Whether the interest amount has been credited to your PF account or not. You can see this through Umang App. Download the app and search EPFO. Then you can see the balance by going to View Passbook and entering your UAN and OTP.
• You can also download the passbook by visiting EPFO ​​Member Passbook Portal and entering your UAN, password and captcha.
• You can send SMS by writing EPFOHO UAN ENG (last three letters are for your language, for Hindi write HIN) from your registered mobile number to 7738299899.
• You can get balance information by giving a missed call to 9966044425 from the registered mobile number.

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EPFO Nomination: EPFO has made e-nomination very important for all its members under the rules of EPF scheme. Proper nomination ensures that in case of death of the member, the PF benefit can easily be given to the chosen nominee.

Apart from this, making nomination helps in avoiding fights and legal complications among family members while claiming EPF money. Since the nomination facility is available online on the EPFO ​​portal, members can easily submit the required information from the comfort of their homes. However, e-nomination is considered valid only when you e-sign it in time.

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What does the e-nomination document say?

It is stated in the EPF e-nomination document that no action will be taken on the e-nominations which have only been filed and whose PDF has not been e-signed, in the event of death of the member. E-nomination is considered complete only when the PDF is e-signed.

Rules related to EPF nomination

The rules for nomination under EPF and EPS are different. According to the EPF Act, the wife, children (married or unmarried), elderly parents and son’s widow and children will be considered family. Whereas in the case of a female employee, her husband, children (married or unmarried), their dependent parents, dependent parents of the spouse and son’s widow and children will be considered as family.

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Similarly, in case of EPF, family means the employee’s spouse, minor son or daughter of the employee and adopted son or daughter, who has been adopted before the death of the member.

EPFO 3.0: With the arrival of EPFO ​​3.0, accessing your PF (Provident Fund) account will be much easier than before. One of its biggest features is that in this you will be able to withdraw your PF money through ATM and UPI. This means that now you will not have to visit the bank or EPFO ​​office to withdraw funds.

The purpose of this digital transformation is to make your access to the savings in your PF account faster and easier so that there is no need to run here and there in times of emergency.

The entire system will be as easy as the bank.

A PF ATM card can be issued to subscribers under EPFO ​​3.0. With its help, you will be able to withdraw cash by going to any ATM and entering your PIN or OTP. Similarly, you will also be able to link your UPI ID to your PF account. After this, you will be able to transfer money directly to your bank account through EPFO ​​portal or Umang app.

To avail the facility of withdrawing money from ATM and UPI, EPFO ​​members will have to fulfill certain conditions. All users will be required to have a valid Universal Account Number (UAN). Apart from this, the mobile number linked to UAN should also be active. Members must also ensure that their UAN is completely KYC-compliant, including linking to Aadhaar, PAN, bank account details and IFSC code.

Cash withdrawal limit

In this, members can be allowed to withdraw only 50 to 75 percent of their total PF balance using ATM or UPI. This restriction has been imposed so that some part of the savings remains reserved for future needs or emergency situations. You can make partial withdrawal 5 times for marriage and 10 times for education. At the same time, after one month of leaving the job, you can withdraw up to 75 percent of the funds. Another specialty of this is that the auto-settlement limit has been increased from Rs 1 lakh to Rs 5 lakh without any manual verification.

Why is there a delay in the process?

EPFO 3.0 is targeted to be activated from April itself. During this time, a new mobile application can also be launched, which will allow withdrawal of cash from UPI. Due to this, partnership has also been made with 32 government and private banks. It is being told that there is a delay due to some technical challenges in UPI-EPFO and ATM linkage, work on which is going on. It is expected that it will be fully launched in the middle of the year.

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EPFO 3.0 Update: The government has given a new information about EPFO ​​3.0 in the Parliament. Taking another step forward towards digitalization, a change has been made, the aim of which is to make provident fund and pension services faster, easier and paperless.

Responding to a question in the Lok Sabha, Minister of State for Labor and Employment Shobha Karandlaje said that EPFO ​​3.0 has been designed to simplify operations and reduce paper processes, allowing members to manage their accounts through a single platform. Its objective is to reduce the need for documents, speed up settlement of claims and reduce dependence on owners. Let us understand this in 5 easy points.

Auto-settlement up to Rs 5 lakh- Now claims up to Rs 5 lakh will be settled automatically without any approval. The software will automatically check your data and the money will come directly into your bank account. Earlier this limit was only Rs 1 lakh.

Less time to get money- Earlier it used to take 7-15 days for PF money to arrive. Sometimes it would take a month. But now with the new system, the money will come to your account within 3-4 days of filing the claim.

Paperwork finished- Earlier, there was a need to upload a photo of the check or bank passbook along with the claim form. With EPFO ​​3.0, if your KYC (Aadhaar, PAN and Bank) is updated then the system will automatically verify it.

Less rejection- Earlier, PF claims used to be rejected due to minor mistakes, but the ‘error correction’ system in EPFO ​​3.0 is better. While filling the form you will be informed whether there is any mistake or not.

Completely digital- With EPFO ​​3.0 being completely digital, you will be able to track the status of your claim in real-time. With less human interference, there will be less corruption as well as less scope for delay.

Centralized Pension System

One of the most important changes made under EPFO ​​3.0 is the introduction of Centralized Pension Payment System (CPPS). The government said that this system has been completely implemented in all EPFO ​​offices from January 1, 2025. Now pension payments are processed from a single centralized location and can be given through any scheduled bank branch across India. More than 70 lakh pensioners benefit from this initiative every month. According to the information provided, CPPS ensures faster payment of pension, thereby reducing the delays and mistakes that pensioners often had to face earlier.

minimum pension update

The government has not yet announced any change regarding the long standing demand of increase in EPS pension. At present the minimum pension under EPS is Rs 1000 per month and the fund is supported by contributions from employers (8.33 per cent) and the government (1.16 per cent). The government said it is fully committed to strengthening social security, but also stressed the need to maintain a balance between sustainability of the fund and future liabilities.

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The government also gave information about the progress made under the Employee Enrollment Scheme 2025. Under this scheme, 4815 institutions participated and more than 39000 Universal Account Numbers (UAN) were issued. Benefits under the PM-VBRY scheme—which will come into effect from March 2026—will be available after completion of six months of eligibility.

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PF Retirement Fund: There are crores of PF account holders in the country and money is deposited in PF every month from the salary of most of the working employees. PF account is also considered a strong long-term savings plan. In this, 12 percent of the employee’s salary is deposited every month and the same contribution is also made by the company. This is the reason why a huge amount can be made in it over time.

Many people wonder how a big fund can be created by making a small deduction every month. But when this money keeps getting deposited for years and interest is also earned on it. So by the time of retirement this amount becomes quite big. If an employee continuously invests in PF on a salary of Rs 50 thousand and works for a long time. So at the time of retirement, a fund worth crores of rupees can be created. Know the complete calculation.

How does PF become a source of big savings?

To safeguard the savings of the employees, the Central Government has created the system of Employees Provident Fund Organization i.e. EPFO. This is considered a very important scheme especially for the employees working in the private sector. During job, money is deposited in PF every month and this amount later creates a big retirement fund.

• The most important thing about PF is that it includes the contribution of the company along with the employee.
• 12 percent of the employee’s basic salary goes into PF every month.
• The company also contributes the same 12 percent.
• That means overall 24 percent amount is deposited in the account every month.
• Annual interest fixed by the government is also available on this money.

This is the reason why this fund gradually turns into a huge amount on regular investment.

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How can a big fund be made on a salary of Rs 50 thousand?

If the monthly salary of an employee is around Rs 50 thousand, then a good amount of money can be deposited in his PF account every month. As salary increases with time, the amount going into PF also increases. This is the reason why the fund starts growing rapidly in the long run.

If we understand this calculation in a simple way then the situation could be something like this.

• Monthly salary should be considered to be around Rs 50 thousand.
• There should be an average increase of 6 percent in salary every year.
• Employees should start working at an early age.
• Every month the contribution of both employee and company should go into PF.

In these circumstances, the amount deposited over many years gradually increases and by the time of retirement this fund can reach crores.

The amount increases due to interest.

The biggest strength of PF account is the interest received on it. At present, around 8.25 percent interest is being given annually on PF. This interest keeps getting added to the deposited amount every year, due to which the total fund starts increasing rapidly.

If an employee starts investing in PF at the age of around 22 years and continues to contribute till retirement, then the amount deposited and the interest earned on it together can generate a huge amount.

• Continuous investment continues for a long time.
• The fund grows rapidly as interest is added every year.
• With increase in salary, the amount deposited in PF also increases.

Combined with all these aspects, one can create a corpus of more than Rs 5.5 crore by the time of retirement. This is the reason why PF is counted among the most reliable savings plans for retirement.

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