Important: the three 2026 schemes were placed on EPFO’s official Acts & Manuals page. For a claim or contribution position, read the exact paragraph and subsequent notification/circular.
| Scheme | Paragraph / block | Subject | Finin2min use |
|---|---|---|---|
| EPF Scheme 2026 | 1–2 | Short title, application and definitions | Start with coverage, excluded employee, international worker, UAN and key terms. |
| EPF Scheme 2026 | 3–14 | EPFO administration and governance | Officer powers, offices, accounts, meetings and operational governance. |
| EPF Scheme 2026 | Membership/contributions block | Membership, wage base, contribution and employer duties | Reconcile eligibility and contribution using the exact paragraph text and notified wage ceiling. |
| EPF Scheme 2026 | 44 | Nomination | E-nomination, family restrictions, marriage reset and minor nominee guardian. |
| EPF Scheme 2026 | 45 | Existing life-insurance policies | Transitional financing/re-assignment of policies financed under the former scheme. |
| EPF Scheme 2026 | 46 | Partial withdrawals | Purpose, 12-month membership, eligible member balance, 25% minimum balance and frequency controls. |
| EPF Scheme 2026 | 47–48 | Membership computation and payment of withdrawal | Service aggregation and payment channel. |
| EPF Scheme 2026 | 49 onward | Final withdrawal, death and settlement | Exit event, waiting period, incapacity, migration, death and claim process. |
| EPS Scheme 2026 | Complete scheme | Membership, contribution, eligible service, pension, withdrawal benefit and family pension | Use the June 2026 official PDF for paragraph-level reliance and tables. |
| EDLI Scheme 2026 | Complete scheme | Membership, contribution, assurance benefit, nomination and claims | Use the June 2026 official PDF for formula and claim conditions. |
Official scheme documents
Key current-era controls
- Capture prior membership and UAN before deciding excluded-employee status.
- Reconcile payroll, ECR, bank payment and contractor worker list UAN-wise.
- Use e-nomination and monitor nomination invalidation on marriage/family change.
- For partial withdrawal, test purpose, membership, eligible balance, minimum retained balance and frequency.
- Use the current EPS/EDLI scheme tables and formula; historic illustrations are not controlling.