EPF Scheme 2026 Explained: 12 Major Rules on Interest Rate, PF Withdrawal, Pension and Contributions

The EPF Scheme 2026 has officially come into effect, replacing the long-standing Employees' Provident Fund Scheme, 1952, as part of the implementation of the Code on Social Security, 2020. While the new framework modernises the legal structure governing provident fund, pension and insurance benefits, it does not significantly alter the core benefits enjoyed by EPF subscribers. From interest rates and withdrawal rules to pension calculations and contribution limits, many employees are keen to understand what has changed and what remains the same. Here's a detailed look at the 12 most important provisions of the new EPF Scheme 2026.