The Employees’ Provident Fund Organisation (EPFO) has introduced a wave of digital-first reforms to simplify access and improve the user experience for over 7 crore members in India’s organised sector. These reforms target everyday challenges such as accessing PF balances, updating personal details, and transferring PF accounts, making EPFO’s services more accessible, faster, and user-friendly.
For users struggling to access the EPF Passbook portal—often due to high traffic, scheduled maintenance, or incomplete KYC details—EPFO offers reliable alternatives. Members can now check their Provident Fund (PF) balance even without internet access through SMS or missed call services. To use the SMS facility, users must ensure their UAN is active and linked to Aadhaar, PAN, and bank account. Then, simply send an SMS to 7738299899 in the format: EPFOHO UAN ENG (replace ‘ENG’ with the preferred language code like HIN for Hindi or TAM for Tamil). This service supports 10 languages including English, Hindi, Tamil, and Bengali. Alternatively, with updated KYC details, members can give a missed call to 011-22901406 from their registered mobile number. After two rings, the call disconnects, and the user receives an SMS with their latest balance.
Among the most noteworthy updates is the simplification of the profile update process. Members with Aadhaar-linked UANs can now change personal details such as name, date of birth, and nationality online—without needing to submit any physical documentation. This update accelerates the process and reduces dependency on employers. However, members whose UANs were generated before October 2017 may still need employer approval for specific changes.
Starting January 15, 2025, the process of transferring PF accounts during job changes has been streamlined. The traditional requirement of employer approval in most transfer cases has been eliminated, making it easier for employees to move their PF funds swiftly. The digitalisation of the joint declaration form supports this transition, marking a shift toward seamless and autonomous service access.
Another game-changer is the launch of the Centralised Pension Payment System (CPPS), operational since January 1, 2025. This system enables direct pension payments through the NPCI platform, bypassing the older method of transferring Pension Payment Orders (PPOs) across regional EPFO offices—a step that often caused delays. Now, pensions are disbursed directly to bank accounts, and new PPOs must be linked to UANs, allowing pensioners to submit Digital Life Certificates with ease.
To address pension calculations for higher-earning employees, EPFO has established a uniform policy for higher pension eligibility. Members earning beyond the specified salary threshold can now opt for higher pension contributions. This move enhances transparency, empowers members with clearer choices, and mandates private trusts not directly under EPFO’s management to follow similar protocols—standardising the system across platforms.
In essence, EPFO’s 2025 reforms mark a significant stride toward transparency, ease of access, and digital efficiency—transforming how millions interact with their retirement savings.
