EPFO Introduces Major Reforms to Enhance Member Experience
MAS Team | 19 September 2025
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The Employees' Provident Fund Organisation (EPFO) has announced significant reforms designed to streamline services and improve user experience for its vast network of over 75 million subscribers. Union Minister for Labour & Employment Dr. Mansukh Mandaviya unveiled these changes, emphasizing their potential to enhance transparency, reduce complaints, and provide more efficient services.
Streamlined Access with Passbook Lite
One of the most notable introductions is the 'Passbook Lite' feature, now integrated directly into the EPFO Member Portal. This innovation eliminates the need for members to navigate between different portals to access their account information.
Previously, employees were required to use a separate Passbook Portal to view their contribution and withdrawal details. The new system offers several advantages:
- Unified access: Members can now view all essential information through a single login
- Simplified overview: The feature provides a condensed view of contributions, withdrawals, and current balance
- Improved performance: By reducing traffic on the original portal, users experience fewer delays and system slowdowns
- Retained functionality: Those requiring comprehensive details can still access the traditional passbook portal
This change particularly benefits working professionals who need quick access to verify employer contributions or check account status without the hassle of multiple logins or system delays.
Enhanced Transparency for Job Transfers
The second major reform addresses a common challenge faced by employees changing jobs. EPFO has made the Transfer Certificate (Annexure K) directly accessible through the member portal in downloadable PDF format.
Previously, when employees switched employers, their PF accounts were transferred using Form 13, generating an Annexure K certificate. However, this crucial document was only exchanged between PF offices, with members having to specifically request access.
The new system provides several benefits:
- Real-time tracking: Members can monitor the progress of their transfer applications online
- Verification capability: Employees can confirm that their PF balance and service tenure have been accurately transferred to their new account
- Digital record keeping: Members can maintain permanent digital copies for future reference, particularly important for pension calculations
- Increased confidence: The transparency helps build trust in the transfer process
This reform is especially valuable for mobile professionals who frequently change jobs across different cities, providing them with complete visibility into their PF transfer status.
Streamlined Approval Processes
To further enhance efficiency, EPFO has restructured its approval hierarchy for various services including transfers, settlements, advances, and refunds. The organization has decentralized decision-making authority from higher-level officers to Assistant PF Commissioners and their subordinates in a systematic manner.
This restructuring addresses previous issues where multi-layered approval processes caused significant delays in claim processing. The new framework is expected to:
- Accelerate processing times for member claims
- Simplify administrative workflows
- Improve accountability at regional offices
- Reduce bureaucratic bottlenecks
These comprehensive reforms collectively aim to transform the user experience for EPFO's extensive member base. By providing unified access to services, transparent transfer processes, and faster claim settlements, the organization is positioning itself to better serve the needs of India's formal sector workforce.
The changes represent a significant step toward digitalization and user-centric service delivery, reflecting the government's broader commitment to improving ease of doing business and enhancing citizen services through technology-driven solutions.
Dear Investor,
In case of any grievance / complaint :
In case of any grievance / complaint :
- Please contact Compliance Officer Shraddha Mhatre at [email protected] and Phone No. - 91-22-35131664.
- You may also approach CEO Debashis Basu at email- id [email protected] and Phone No. - 91-22-35131664.