Under EPFO 3.0, the PF claim process has been expedited. According to the government, online EPF claims are now processed in an average of 8 days, and funds are deposited directly into accounts.
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EPFO 3.0 Update: If you’re employed and have your money deposited in EPF, this news is a huge relief. The Employees’ Provident Fund Organization (EPFO) has significantly digitalized and smartened its system. With the changes made under EPFO 3.0, withdrawing PF funds has become easier and faster than ever before.
The central government has informed the Rajya Sabha that online EPF claims now take an average of just 8 days to process. This means that if your information is correct and your KYC is complete, the money could be credited to your account within a week.
No Longer Waiting for PF Claims
Earlier, EPF claims used to take weeks or months to process. Files would get stuck, employer approvals would be delayed, or funds would be held up due to profile errors. However, this scenario is changing with the reforms implemented in EPFO 3.0. According to government data, in the financial year 2025-26, as of January 23, 2026, the EPFO has processed over 85.3 million claims. This number is higher than the previous year, indicating that the system has become faster and more efficient.
Transfer Claims Will Be Available Even Without Company Approval
The biggest benefit of EPFO 3.0 is for those whose e-KYC is fully updated. Such employees can now file PF transfer claims directly online without the approval of their old or new employer. This will especially benefit employees who frequently change jobs or who are unable to contact their old company. Now, employees can complete their work themselves through the portal.
Employees will now be able to make their own profile corrections.
The EPFO has simplified the profile correction process from January 2025. Employees can now update or correct their name, date of birth, or other important information themselves. Previously, this required frequent visits to the office, but now the process is online and less hassle-free. According to the government, as of January 2026, the EPFO has processed over 2.7 million profile correction requests.
Pension will be available from any bank in the country.
Under EPFO 3.0, a centralized pension payment system has also been implemented. This means that pensioners no longer have to depend on a specific bank or branch. They can receive their pension from any scheduled bank in the country. This facility will be especially beneficial for elderly pensioners.
Now, UAN will be created using your face
The government has further expanded the use of technology by introducing a face authentication system. Face authentication will be mandatory for new employees to create a UAN from August 2025. Through the UMANG app, employees can create and activate their own UANs using Aadhaar-based face verification. This eliminates the need to rely on employers and ensures more secure identity.
Passbook access also becomes easier
The Member Passbook Lite feature has been added to EPFO 3.0. Employees can now easily view their recent transactions, ensuring they can verify whether funds have been deposited or not and whether there are any discrepancies. All these changes under EPFO 3.0 are designed to simplify the lives of employees and pensioners. With a digital system, faster claim processing, and reduced paperwork, withdrawing PF funds is no longer as difficult as it once was. If your KYC is complete and the information is correct, then now the entire PF amount can come into your account within a few days.
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