New PF Rules 2025 : Ab 12 Mahine ke Baad 75% Provident Fund Nikaal Sakte Hain

 Sarkar ne Provident Fund (PF) nikaasi ke niyamon ko bahut hi saral aur aasaan bana diya hai. Ab karamchari sirf 12 mahine kaam karne ke baad apne PF balance ka  75% nikaal sakta hai — jisme employer (naukri dene wale) ka yogdaan bhi shamil hoga. Yeh naya niyam eligibility aur claim rejection dono ko kam karega, jisse karamchariyon ko apna paisa nikaalne mein aasani hogi.

 

  New PF Rules 2025 : Pehle ka System

 

Pehle PF nikaalna bahut mushkil tha. Alag alag situation ke liye  13 alag niyam  bane hue the. Har niyam mein minimum service period alag tha — kahin 5 saal, kahin 7 saal tak kaam karna padta tha. Is wajah se logon ke claims reject ho jaate the aur process lamba ho jaata tha.

Partial withdrawal ke itne zyada rules hone se logon ko samajhna mushkil ho jaata tha ki kis condition mein kitna paisa nikaal sakte hain.

 

 Naya Simplified Framework

Ab Labour aur Employment Mantralaya ke mutabiq, in  13 alag alag partial withdrawal rules ko mila kar ek  saral aur unified niyam bana diya gaya hai.

Ab karamchari sirf apna hissa aur interest hi nahi, balki employer ka hissa bhi nikaal sakta hai. Matlab ab karamchari apne PF ka  75%  tak nikaal sakta hai — pehle ke mukable mein yeh rashi kaafi zyada hai.

 

 Eligibility Period Ab Sirf 12 Mahine

Pehle eligibility period 1 se 7 saal tak alag alag hota tha. Ab sabhi ke liye  sirf 12 mahine ka period rakha gaya hai. Isse system samajhna aasaan ho gaya hai aur employees jaldi apna paisa nikaal sakte hain.

 

Repeated Withdrawals ka Nukhsan

Baar baar PF nikaalne se karamchariyon ke retirement ke time balance bahut kam reh jaata tha. Report ke mutabiq,  50% logon ke paas sirf ₹20,000 se kam PF bacha tha, aur  75% ke paas Rs 50,000 se kam.

Chhoti tankhwa wale karamchari compound interest (8.25%) ka pura faida nahi le paate the kyunki unhone apna paisa pehle hi nikaal liya hota tha.

Isliye  Central Board of Trustees (CBT) ne faisla kiya hai ki  25% contribution PF me bacha rahe, taaki retirement ke samay ek accha corpus ban sake aur lambi avadhi ki social security mile.

 

Berozgaari ke Samay PF Withdrawal

Agar koi vyakti  berozgar ho jaata hai, toh wo apne PF balance ka  75% (employer aur employee ka yogdaan aur interest milakar) turant nikaal sakta hai. Baaqi ka  25% ek saal baad nikaalne ki anumati di gayi hai.

Pure PF (100%) ka nikaasi tab ho sakta hai jab vyakti 55 saal ke baad retire ho, permanent disability ho, retrenchment ho, voluntary retirement le le, ya desh chhod kar permanently bahar settle ho jaaye.

 

 New PF Rules 2025   : Pension Par Koi Asar Nahi

Naye niyamon se pension system par koi prabhav nahi padega. Pension ab bhi 58 saal ki umr mein milegi.

Agar koi member 10 saal se kam seva karta hai, toh wo apna pension fund kabhi bhi 10 saal ke andar nikaal sakta hai. Lekin agar usne 10 saal poore kar liye, toh retirement ke baad usse  monthly pension milti rahegi — jo uske aur uske parivaar ke liye lambi avadhi ki suraksha hai.

Filhaal,  75% pension members apna pura pension fund 4 saal ke andar hi nikaal lete hain, jisse unki membership khatam ho jaati hai aur wo future ke pension aur benefits se vanchit ho jaate hain.

 

Family Pension ka Faida

Agar pension fund nikaala nahi gaya hai, toh member ke marne ke baad uske parivaar ko  3 saal tak pension milti rahegi, chahe contribution band ho gaya ho. Lekin agar fund pehle hi nikaal liya gaya ho, toh yeh labh khatam ho jaata hai.

Isliye sarkar ne ab naya rule banaya hai ki pension accumulation  2 mahine ke bajay 36 mahine (3 saal) baad hi nikaal sakte hain. Iska uddeshya hai logon ko  10 saal tak pension membership banaye rakhne ke liye prerit karna, taaki unke parivaar ko bhi lambi avadhi tak pension ka fayda mil sake.

 

 New PF Rules 2025  : EPFO ka Vishal Fund

 Employees’ Provident Fund Organisation (EPFO) ke paas is samay  Rs 28 lakh crore ka vishal corpus hai. Yeh sanstha croreon logon ka bharosa jeet chuki hai, kyunki yahan unka paisa surakshit hai aur tax-free high returns milte hain.

 

Naye Niyam ke Fayde

1. Saral aur spasht niyam – Ab alag alag rules ka jhanjhat khatam.

2.  Jaldi paisa nikaalne ki suvidha – Sirf 12 mahine ke baad paisa mil sakta hai.

3.  Employer ka hissa bhi shamil  – Ab PF nikaasi mein dono ka yogdaan milega.

4.  Retirement ke liye suraksha  – 25% balance PF me bacha rahega.

5.  Parivaar ke liye pension suraksha  – 3 saal tak family ko pension ka labh milega.

6.   Tax-free return  – EPFO ka return zyada cases mein tax se mukt hai.

 

New PF Rules 2025  : Ease of Living  

 Sarkar ka yeh kadam sirf PF nikaasi ko saral banana nahi, balki logon ko  arthik suraksha aur discipline  ki taraf badhane ka bhi ek prayas hai. Ab karamchari apne paison ka upyog zarurat ke samay kar sakte hain, par unka ek hissa surakshit rahega jo unke  buzurgi ke dino mein sahara  banega.

Yeh naya framework “Ease of Living  aur “Social Security for All” ke uddeshya ko majboot banata hai — ek aise Bharat ke liye jahan logon ke jeevan mein suvidha, suraksha aur vikas dono ka santulan bana rahe.