What is the new rule for pension in 2025?

The 2025 rule allows faster online pension processing, linking Aadhaar with PPO, and digital life certificate updates through mobile apps.

What is the minimum pension hike for EPS 95 2025?

EPS 95 pensioners may see a minimum hike of ₹1000 to ₹1500 per month as per the proposed revision.

What is the new rule for PF withdrawal?

PF withdrawal rules now allow partial withdrawal for emergencies, housing, or medical needs through online EPFO portal.

Can I withdraw 100% from EPFO?

Yes, you can withdraw 100% of your EPF balance after two months of unemployment or at retirement age.

What is the new rule of the employee pension scheme?

The new EPS rule ensures better pension calculation, online verification, and inclusion of more workers under the scheme.

What is the new pension policy 2025?

The 2025 pension policy focuses on ensuring minimum pension security and simplified online claim settlement.

What is the pension adjustment for 2025?

The 2025 adjustment includes a potential 5%–10% increase in pension based on inflation and government review.

What is the pension limit for 2025?

The pension limit for 2025 may increase up to ₹12,000 per month under EPS, subject to government approval.

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EPS Withdrawal Rules 2025: Key Changes and How They Benefit You

Samridhi

Author

Updated: 28-10-2025 at 3:30 PM

The Employees’ Pension Scheme (EPS) of 1995 has been revised by the government to allow members who have worked for less than six months to get PF withdrawal benefits. On June 28, 2024, a Press Information Bureau release stated that this new regulation will benefit more than seven lakh EPS members every year. Moreover, table D was modified by the government to ensure that withdrawal benefits are paid fairly; over twenty-three lakh members would gain from this change.

In this article, you will get the detailed information about the EPS Rules, How to fill Form 10C for EPS withdrawal, its benefits, recent changes and much more.

Latest Updates on Employees’ Pension Scheme (EPS)

The Employees’ Provident Fund Organisation (EPFO) has increased the waiting period for full pension settlement under EPS from 2 months to 36 months after job loss, aiming to strengthen long-term pension discipline.
The government is considering a raise in the minimum pension payout under EPS-95 from ₹1,000 to around ₹3,000–₹5,000 per month to benefit millions of low-income retirees.
Clarifications have been issued in response to criticism: The Ministry of Labour states the changes still allow for 100 % PF withdrawals, but with a mandatory minimum retention of 25 % and EPS pension eligibility rules remain intact.

These updates reflect a push to make the pension scheme more sustainable while balancing accessibility and long-term security.

New Flexibility in EPS Withdrawal

Earlier, for any member’s withdrawal benefit under the Employees’ Pension Scheme (EPS), a minimum of six months of contributory service was necessary. This, however, has been broadened by this new regulation which allows even members with less than six months of service to receive a EPS withdrawal online benefit as well. It is anticipated that over 7 lakh EPS members will be beneficiaries of this change annually.

Enhanced EPF Benefits for Shorter Contributions

This is a crucial improvement since it means that the lump sum EPS withdrawal form benefit under the EPS rule Table D now depends not only on full years but total months of service as well. Recalibrating these changes equalises the distribution of withdrawal benefits for EPS members, particularly those who exit the pension scheme earlier than expected.

Also Read: How To Track Your EPF Claim Progress Easily?

Who Stands to Benefit from the New EPS Rules

Increased Coverage for Short-term Employees

These employees who left without any retirement benefits at all if they had contributed less than six months were not covered by the previous system. However, these modified rules now give some financial security to more employees. This development is particularly significant in high employee turnover sectors, ensuring that more people can enjoy their retirement entitlements.

Fairer Calculation of Withdrawal Benefits

Accordingly, drawing such benefits as per amended Table D Government amendments to EPF withdrawal Form 31, Table D for determining return on contribution would be fairer. For instance, someone contributing for 80 months can anticipate receiving an amount based specifically on that duration instead of rounding down their period of service using previous methods. Therefore, departing workers get accurate and better outcomes.

Government Pension Reforms Aimed at Inclusivity

This implies a wider effort by the government to ensure that pension benefits are more representative of India’s diverse workforce. The government is, through revising the EPS withdrawal online benefit calculation, responding to the need for a more flexible and supportive pension framework.

Expanded Benefits for New EPF Subscriber Benefits

The changes in EPS have resulted in an easy way for existing contributors to claim their benefits while attracting new entrants as well. With more possibilities of EPF withdrawal login and fairer calculations, young people are now likely to think about longer-term financial planning if they join the EPS.

Simplification of Early Exit Pension Benefits

These amendments clarify early exit from funded pension scheme procedures. Whether because of job changes, personal causes, or anything else, workers could now know what would happen financially after leaving such a scheme better since it has recently been restructured.

If you are wondering how to withdraw PF online with UAN, the EPFO portal offers a simple process where you can log in using your UAN number, fill in the EPF withdrawal Form 31, and submit your only pension withdrawal Form 10C online for a seamless experience.
Also Read: Comparing India’s Pension Schemes: Delving Into The Differences Between OPS, NPS, & The New UPS

Clarifications in Lump Sum Withdrawal from EPS

Many employees have been confused about how their lump sum will be calculated when they leave EPS early. The redrafted Table D has a clear-cut month-by-month breakdown of potential returns, thus making it easier for workers to assess what is due to them.

Impact on the Overall Pension Scheme

These measures are part of a wider reform agenda aimed at guaranteeing the safety and dependability of Government pensions. The government through these moves aims at bolstering financial protection for its aged population by widening the pool of beneficiaries in this scheme.

What Do These Changes in EPS Withdrawal Benefits Mean for You?

This may lead to increased security and predictability in the financial future of members of EPS. All members, especially those planning early exit, must appreciate how these changes can affect their pension benefits. To fully comprehend how their circumstances might alter under the new regulations, members are encouraged to seek advice from human resources departments or independent financial advisors or to learn more about how to fill Form 10C for EPS withdrawal through the EPFO website.

Conclusion

The recent amendments made to the Employees’ Pension Scheme indicate a progressive change towards more inclusive and equalizing pension provisions. These shifts reflect the government’s commitment to aligning its policies with changing labour market dynamics.

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