EPFO 3.0 Brings Major PF Rule Changes: What Employees Must Know

• EPFO 3.0 introduces new rules for partial withdrawals, aiming for simplified services and greater flexibility.
• Unemployment withdrawal: 75% immediately after job loss; 100% after 12 months continuous unemployment.
• Pension withdrawal after job loss now requires 36 months of unemployment, up from 2 months, for long-term security.
• Withdrawals for education and marriage expenses are more flexible, allowing up to 10 times for education and 5 times for marriage.
• A minimum 12-month service period is now mandatory for most partial withdrawals, including natural disasters, medical needs, and housing.

Why It Matters: EPFO 3.0 simplifies PF withdrawals, offering flexibility while ensuring long-term security with new service period requirements.