New Labor Laws: The Government of India has included four new codes in the 29 year old labor laws. Notification of new applicable codes has also been issued on November 21, 2025, after which companies will have to make major changes in their salary structure. In the labor codes implemented by the government, more attention has been paid to social security, but it can also be a disadvantage for the employees, such as their take home or in-hand salary may be reduced.

Actually, under the new Labor Code, the basic salary of the employees must be at least 50 percent of their CTC. Till now, companies used to increase the allowances of their employees by keeping their basic pay low, which included HRA, DA etc. By doing this, the PF and gratuity contribution of the employees was reduced and their take home salary was higher. Now let us understand what kind of changes have been made in the new labor code and by how much the take home salary will be reduced.

Why were new labor codes brought?

The purpose of implementing the new labor code is to ensure social security of the employees. The purpose of increasing basic salary to 50 percent of CTC is that their contribution towards PF and gratuity will increase, due to which they will have a strong fund at the time of retirement. This will provide long term benefits to the employees, but at present the burden on their pockets may increase.

Understand the complete calculation like this

Let us assume that the CTC of an employee is Rs 50000. In this his basic salary is between 15 to 20 thousand rupees. On this, 12 percent PF contribution is deducted, which is between Rs 1800 to Rs 2400. Now with the implementation of the new labor code, companies will have to pay 50 percent of CTC basic salary to their employees. According to 50 thousand CTC it becomes 25 thousand. On this, PF contribution will be Rs 3000, which is more than Rs 1200 to Rs 600. This will increase retirement savings, but Rs 1200 more will be deducted from the take home salary. Similarly, gratuity will also be deducted on take home salary.

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Nowadays, problems in the job world have increased a lot. Sometimes the company gets closed, sometimes the job is lost, and sometimes due to some reason we ourselves have to leave the job. In such a situation, the biggest fear is that what will happen to our PF now, will the money we have deducted from our salary for years? Will it all sink? If you also have such questions in your mind, then let us tell you today that if you have lost your job or you have left it yourself, then what will be the condition of your PF account and the money deposited in it?

Does the money deposited in PF account sink?

Even if you have lost your job and now no new deposit is being made in your EPF account every month, you do not need to panic. Your money remains completely safe. The rule of EPF Organization (EPFO) is that even if contribution is not received in an account for some time, the deposited amount still remains there, neither it disappears nor disappears. Even when you leave the job and no new contributions come in, interest continues to be earned on your old balance for the first three years.

When does PF account become active?

If there is no new contribution in the account for 3 consecutive years, then EPFO ​​considers that account as active. This means that now you will not get interest on it, but your principal amount and all the interest till now remains safe. You can withdraw the amount whenever you want. Also, according to the rules of EPF, if you have been unemployed for more than two months, then you are entitled to withdraw money from your account. If you want, you can withdraw some part or even withdraw the entire amount.

Always keep KYC and Aadhaar updated

Many times people do not update KYC in their old account, due to which it becomes difficult to withdraw money later. Therefore, always keep your Aadhaar number, bank account, PAN card and mobile number updated in your EPF account. If you have multiple PF accounts, merge them into one. You can do this work easily from EPFO ​​website or Umang app. This will not only make it easier to keep an eye on interest and balance, but there will also be no problem in making any claims in future.

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PF Balance Checking Process: PF i.e. Provident Fund is an important savings for employees. Which provides financial security during employment and after retirement. Every month a part of your salary is deposited in the PF account and the same amount is also given by the company. But many people do not know how much money has been deposited in their account so far or how much interest has been received.

The good thing is that now there is no need to go to the office to check PF balance. You can check balance, passbook and transaction history in minutes right from your mobile phone. Let us know the easy ways to check PF balance from mobile and what options are available to you.

Check PF balance from website

To check from the website, you can visit the official website of EPFO. https://www.epfindia.gov.in You will have to go here where you can see complete information about your PF account. On the website you will have to click on the option of e-Passbook. After this you will have to login by entering UAN and password. As soon as you login, complete details of your account will appear in front of you. In which you can check information about the amount deposited so far, the company’s contribution and interest.

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Check PF Balance from UMANG App

After downloading UMANG app, checking PF balance becomes even easier. Open the app and go to EPFO ​​Services and select View Passbook or Balance option. After this, login by just entering the registered mobile number and OTP. As soon as you login, your PF account balance and transaction history will be visible directly on the mobile screen. So that you can easily see your PF details even without a computer.

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Know PF balance through missed call or SMS

If you don’t have internet. Still, you can easily know the balance of your PF account. For this you have to give a missed call on 9966044425 from the registered mobile number. A message will come on your phone in a few seconds. In which complete information about the balance will be there. Apart from this, you can also get this information by sending SMS to EPFO.

For this type EPFOHO UAN ENG and send it to 7738299899. Here instead of ENG, you can also enter the language code of your choice, like HIN for Hindi. This service is completely free and is available 24 hours.

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An essential part of the earnings of every job is saved for the safety of his future. Which we call PF i.e. Provident Fund. This scheme, run through EPFO ​​in India, is not only a means of savings, but also a strong economic support after retirement. Every month 12 percent of the salary of the employee is deposited in the PF account and the same contribution is made by his company. This amount increases gradually every month, and the government also pays interest on it. The aim of this is that when a person retires or becomes financially weak, then he can get support from this deposit.

Although EPFO ​​also allows the account holders to withdraw money from their PF account in some important circumstances, such as buying houses, children’s education, marriage, medical emergency or unemployment, but do you know that there are some expenses and works for which you cannot withdraw money from your PF account. In such a situation, let us know what things or works cannot withdraw money from PF account.

PF cannot withdraw money for these things

1. As long as you are in the job, you cannot withdraw full money of PF – If you are still working somewhere, then you cannot remove the entire PF balance. The EPFO ​​allows only those people to remove the full and final settlement of PF, who have retired or have been without jobs for at least 2 months.

2. Daily expenses, hobbies or PF cannot be removed for walking – If you think that you have to take a new mobile by withdrawing PF money, buy a car, or go on a tour, then you cannot do it. The withdrawal of PF is done only due to some necessary reasons, which are fixed in EPFO ​​guidelines.

3. To clear the loan, you cannot remove PF for stock market, mutual funds, or other investment – You cannot invest in stock market or mutual funds with your PF money. Also, you cannot withdraw its money to clear the loan. This money is kept safe only for special circumstances so that you can use it after retirement or in emergency.

4. Can not withdraw PF money to buy a house or car – Many people think that they can buy home, car or bike with their PF money, but EPFO ​​does not allow it.

6. PF cannot be extracted to avoid tax – Some people think that TDS will not be deducted by filling the form 15G or 15H, but if you close the PF account before 5 years and the amount is more than 50,000, then the TDS will be deducted. In this, the tax does not be deducted by keeping the PF account running for at least 5 years.

7. Withdrawal in the name of marriage or education – Some limitations and conditions are fixed to withdraw money from PF. You can withdraw money once for children’s education or marriage, but every time these reasons cannot be withdrawn.

8. Document withdrawal in the name of medical expenses – If you want to remove PF for the treatment of a disease, then you have to give a solid medical document. Money cannot be withdrawn only in the name of medical expenses.

9. Can’t withdraw money by closing PF account – Some people think that as soon as you leave the job, stop the PF account and withdraw money, but this does not happen, unless you are unemployed at least 2 months, you cannot withdraw your PF balance.

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Almost every jobman has a PF account and people consider it to be the most trusted option of their savings. This account is not only useful for retirement. Rather, it also helps even when needed. Till now, you have to claim online to withdraw money from it and after the claim is approved, it takes several days to come to the account account.

Because of this, many times people get upset in emergency. Now preparations are being made to make this process easier and fast. After changing the rules, withdrawing money from PF will be very smooth beforehand and the employees will get quick relief.

PA money will reach the account in minutes

It will now be easy for crores of employees of the country to withdraw from PF account. Let us tell you that this year a big change is going to come. Employees Provident Fund Organization i.e. EPFO ​​is going to launch 3.0 platforms soon. At present, employees process online claims to withdraw money from their account. But it takes time.

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Now after the new facility, you will be able to withdraw money within minutes through UPI and ATM. This will directly benefit about 8 crore account holders. Not only withdrawing but also updating the details and the claim process will also be faster than before.

ATM and UPI will work easier

With the arrival of EPFO ​​3.0, PF withdrawal will be very simple for employees. In this, employees will be able to withdraw money directly from the ATM after linking their UAN number to Aadhaar. For this, separate ATM cards will be issued by EPFO. Which will be called EPFO ​​withdrawal card.

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This card will act like a bank ATM card and will be directly connected to the PF account. That is, as you withdraw money from the normal ATM. In the same way, you can easily withdraw money from this card. Apart from this, if someone wants to withdraw money from UPI, he can withdraw money by linking his UPI account to PF account.

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If you have started a job in a new company and the money of PF (Provident Fund) from your old company has not been transferred yet, then it can be a matter of great concern. Nowadays it is common to change the job, but it is equally important to take PF account along. PF account creates a strong fund for your retirement, which also gets interest every month. If PF transfer is not done, then it can affect your interest, tax benefits and later on extracting funds. In such a situation, let us know that if PF is not being transferred, then why this happens, what is the solution and where to complain.

What are the reasons for PF transfer?
1. Date of Exit Lack of EXIT – If your old company has not updated the date of exit correctly, then PF will not be automatically transferred.

2. To be two UAN number – Many times people have more than one UAN number. This causes problems in PF transfer.

3. KYC details not updated – If your Aadhaar, PAN or bank account is not updated correctly, PF transfer may stuck.

4. Not depositing funds – Some companies do not deposit the amount of PF on time, due to which it is not transferred.

How to transfer PF?
Now the process of PF transfer has been completely online. For this, EPFO’s website or https://unifiedportal-mm.epfindia.gov.in/memberinterface/
log onto. After this, go to Online Services and choose One Member One EPF Account (Transfer Request) option. Then fill the details of the old company and fill Form 13. Choose verification from one of the new company or old company. After submitting, it is transferred to 10 to 20 working days.

If PF is not being transferred, where and how to complain?
If you are not transferring PF, you can file a complaint and there are many ways –

1. Enter a complaint on EPFIGMS portal – Go to https://epfigms.gov.in and file a complaint. Complain online by filling your UAN, PF account number, details etc. here.

2. Send email – You can also complain via email if you do not have PF transfer. Complain by going to Employeefeedback@ePfindia.gov.in.

3. EPFO ​​toll -free helpline – If you are not transferring PF, then you can also file a complaint on EPFO’s toll-free helpline number 14470 or 1800-118-005. You can file your complaint or take updates by calling here.

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Almost everyone has PF accounts in the country. The PF account acts like a savings account in a way. In this account, 12 percent of the salary of the employees is deposited. The same contribution is given by the company. Interest is also given on the amount deposited in this account. When there is a sudden passion in life.

So PF account can be very useful. Many people think that withdrawing money from it is a long and complicated process. But now it is not so. Now you can get money in your bank account in a few hours. For what will happen, let’s tell you.

In this way PM claim

To withdraw money from PF account, you have to fill the PM claim form on the online portal. First of all go to https://unifiedportal-mm.epfindia.gov.in and login with your UAN number and password. Then go to the ‘Online Services’ section and select ‘Claim Form-31, 19, 10C & 10D’ option. After this, verify the bank account and Aadhaar information.

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If your KYC is complete and the bank account is linked to UAN. So the process is quick. Choose the cause of the claim in the form, fill the necessary details and submit the claim after OTP verification. If everything goes well, money can come in your bank account within a few hours. Keep in mind that there is no mistake while filling the form.

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Money will reach the account in 72 hours

If you fill the claim form on the EPFO portal correctly and all your information like UAN, Aadhaar, bank details and KYC are updated. So your claim process is very fast. After claiming online, if there is no mistake and all documents are correct. So in most cases the money is transferred directly to your bank account within 72 hours i.e. 3 days. Earlier, it used to take a lot of time for this process. But now the process has become very fast. That is, now you can claim PF anytime if needed and in a short time money will be in your account.

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EPFO on Digilocker: Employees Provident Fund Organization (EPFO) has now made its services available on Digilocker App. Due to this, subscribers who use Android smartphones can check PF balance and passbook from anywhere. Apart from this, documents like UAN Card, Pension Payment Order (PPO) and Scheme Certificate can also now access digitally.

EPFO Services Now on Digilocker!
Access your important EPFO Documents Anywhere:
1 UAN Card
2
3 3ky Scheme Certificate

seamless. Secure. Smart.
Empowering Citizens through digital convenience!
Visit: https://t.co/rgiryeuo0d, pic.twitter.com/ncntg0jmph

– EPFO (@Socialepfo) July 17, 2025

Now Umang app will not be needed

Till now you had to go to the UMANG app to see the PF passbook, but on July 17, the EPFO said through a post on X that now we will be able to get all the information directly through Digilocker. However, iOS users still have to use the UMANG app. EPFO gave another update on 16 July, saying that now the verification of UAN (Universal Account Number) can also be done through Face Authentication in the UMANG app. This process is easy, safe and completely digital.

Why is UAN Activation important?

UAN Activation is not only necessary for EPFO services, but it is also mandatory to avail employment linked incentive (ELI) scheme. Under this scheme launched by Prime Minister Narendra Modi, the government aims to provide employment and skill training to four crore youth. A budget of Rs 2 lakh crore has also been kept for this.

EPFO has asked its subscribers to activate their UAN and link Aadhaar to the bank account to avail all the services and schemes digitally. If you do not activate UAN, you will not be able to avail many important services of EPFO.

UAN Activation through UMANG app

• Install the Umang app on your mobile and open it.
• Go to ‘EPFO’ service section.
• Click on the option of ‘UAN Activation’.
• Enter your UAN number, name, date of birth and registered mobile number.
• Click ‘Get OTP’ and enter OTP.
• Now choose the option of ‘face authentication’.
• The camera will be turned on the app and your face will be scanned on the screen.
• After verification, your UAN will be activated.

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There are crores of people in our country who are engaged in some job and whose salary is deposited in the provident fund i.e. PF account from every month’s salary. This money is deposited for the future so that when the person leaves the job or retires, he has some economic security. PF account is actually a kind of long term survival savings, in which both employees and employees put money. This money is safe with EPFO and it is invested by the government in safe places like government bonds etc. But people are often confused about whether they can withdraw money from PF account in emergency or how much and how can they withdraw money from PF account in emergency.

Can PF account in Emergency withdraw money?

According to the rules of EPFO, you can withdraw money from PF account in certain reasons. For example, you can withdraw money for medical emergency, home to build or buy, for marriage or study and when you are uniped for more than 2 months.

How much money can you withdraw from PF account in Emergency?

The amount of withdrawing money from PF account in Emergency depends on how many years you have deposited in PF and for what reason you are withdrawing money. For example, you can withdraw some percentage of money deposited in medical emergency, you can also withdraw up to 90 percent of the deposits for the house. EPFO sets different limits for every reason.

Easy process to withdraw pf money

To withdraw money from PF account in Emergency, go to the official website of EPFO and login to the universal account number, password and captcha in it. If your UAN is not activated, first activate it. After login, click on the Online Services tab seen above on the screen. Click on Form 31, 19, 10 C option in Claim here. Now your bank details will appear. Verify them and then click on Proceed for Online Claim.

Now you will be asked which form you want to fill, like PF Advance Form 31. Then you have to tell why you want to withdraw money like disease, home, marriage. After this you have to tell how much money you want to withdraw. Now after filling all these things, upload a copy of the bank passbook or a photo of cancell check. At the same time, give your consent in the last and verify Aadhaar OTP. When all the information is filled correctly and the document is cleared, the money is usually transferred to your bank account within 3 to 7.

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PF Interest: Is happy for salaried employees across the country. The government has submitted an interest rate of 8.25 % before the scheduled time in 96.51 percent Employees Provident Fund (EPF) account for financial year 2024-25. The government had fixed an interest rate of 8.25 percent for the current financial year on 22 May, 2025. The process of depositing interest has increased compared to earlier. Where in earlier years, PF was deposited in the interest account between August and December. At the same time, this time this process started in June itself.

Money sent to the account of crores of subscribers

According to Union Labor Minister Mansukh Mandavia, the Employees Provident Fund Organization (EPFO) will complete the work of depositing the remaining amount by the end of this week, which will benefit crores of employees across the country. This means that if you are a working professional and you have a PF account, then your latest interest installment may have already deposited or will be deposited soon. He said, “The annual account was to be updated for 13.88 lakh companies with 33.56 crore accounts for FY 2025 this year, out of which till July 8, 32.39 crore accounts of 13.86 lakh companies have been deposited at the rate of 8.25 % in the accounts. That is, the work of updating the annual accounts for 99.9 percent companies and 96.51 percent employees has been completed.

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