{"id":3399,"date":"2026-07-02T15:01:02","date_gmt":"2026-07-02T09:31:02","guid":{"rendered":"https:\/\/www.sgcms.com\/regulatory-updates\/?p=3399"},"modified":"2026-07-07T15:03:10","modified_gmt":"2026-07-07T09:33:10","slug":"employee-provident-fund-pension-and-deposit-linked-insurance-scheme-2026","status":"publish","type":"post","link":"https:\/\/www.sgcms.com\/regulatory-updates\/employee-provident-fund-pension-and-deposit-linked-insurance-scheme-2026\/","title":{"rendered":"Employee Provident Fund, Pension and Deposit Linked Insurance Scheme, 2026"},"content":{"rendered":"<p>On 29 June 2026, the Ministry of Labour &amp; Employment reshaped the foundation of India&#8217;s provident-fund system. Through three Gazette notifications it brought into force the <strong>Employees&#8217; Provident Fund Scheme, 2026<\/strong>, the <strong>Employees&#8217; Pension Scheme, 2026<\/strong>, and the <strong>Employees&#8217; Deposit-Linked Insurance (EDLI) Scheme, 2026<\/strong> \u2014 all under the Code on Social Security, 2020. Together they supersede the schemes that had governed retirement savings, pensions and death-in-service insurance for decades: the EPF Scheme of 1952, the pension scheme of 1995 (and the older Family Pension Scheme of 1971), and the EDLI Scheme of 1976. For the millions of members and lakhs of establishments in the EPFO system, this is the most significant structural overhaul in a generation.<\/p>\n<h3><strong>The Employees&#8217; Provident Fund Scheme, 2026<\/strong><\/h3>\n<ul>\n<li>Contribution rates are unchanged \u2014 12% each for employer and employee (10% for notified classes of establishments).<\/li>\n<li>The most visible change for members is how partial withdrawals, or \u2018advances\u2019, work. The old scheme carried a long, purpose-specific list \u2014 separate rules and waiting periods for housing, home-loan repayment, illness, marriage and education, with minimum-service requirements ranging from none to ten years. The 2026 scheme consolidates these into a few clear heads \u2014 illness, education and marriage; housing; and special circumstances \u2014 with a <strong>uniform 12-month eligibility<\/strong> for almost all of them.<\/li>\n<li>In exchange for that simplicity, a new safeguard applies: at least <strong>25% of the total corpus<\/strong> (your and your employer&#8217;s contributions plus interest) must remain in the account after any partial withdrawal. In short, advances become easier to access, but the account can no longer be emptied through them.<\/li>\n<li>Other notable changes: the Central Government may now notify a <strong>separate employee contribution rate<\/strong> \u2014 the employee share no longer has to mirror the employer&#8217;s; voluntary contributions above the wage ceiling are formally recognised, with employer matching optional; and the member experience is fully digital \u2014 e-nomination, an electronic pass book, and a consolidated employer return (Form V) due within <strong>15 days<\/strong> of the scheme applying.<\/li>\n<\/ul>\n<h3><strong>The Employees&#8217; Pension Scheme, 2026<\/strong><\/h3>\n<ul>\n<li>EPS 2026 unifies the pension landscape by replacing <strong>both<\/strong> the 1995 pension scheme and the 1971 Family Pension Scheme. The familiar benefits carry over: a minimum of ten years&#8217; service to qualify for pension, a Scheme Certificate for those who leave earlier, the \u20b91,000 minimum monthly pension, and the full range of family, widow, children&#8217;s, orphan and disability pensions.<\/li>\n<li>The most consequential change is <strong>legal clarity on higher pension<\/strong>. For years, entitlement to pension on wages above the statutory ceiling was governed by a patchwork of Supreme Court rulings and administrative circulars, leaving employers and members uncertain. EPS 2026 writes higher-pension provisions into the scheme itself \u2014 a welcome step towards certainty. Alongside this, the scheme introduces formal investment rules and the same 20-day claim-settlement discipline seen across the trio.<\/li>\n<\/ul>\n<h3><strong>The Employees&#8217; Deposit-Linked Insurance Scheme, 2026<\/strong><\/h3>\n<ul>\n<li>EDLI is the life-insurance cover funded entirely by employers, paying a lump sum to a member&#8217;s family if the member dies while in service. Here, the numbers hold steady: the assurance benefit remains in the <strong>\u20b92.5 lakh to \u20b97 lakh<\/strong> band, and the calculation \u2014 35 times average monthly wages plus a share of the average balance \u2014 is unchanged. There is no employee contribution.<\/li>\n<li>Instead of a rate fixed in the scheme, the EDLI contribution rate will now be <strong>notified by the Government on the basis of periodic actuarial valuation<\/strong>, so employers should watch for the notified figure.<\/li>\n<li>The fund carries an assured interest floor of 8.5% per annum, and, as with EPF and EPS, claims must be settled within 20 days.<\/li>\n<li>Establishments running their own group-insurance arrangements in place of EDLI will find the exemption route tightened \u2014 an IRDAI-approved policy certified as more beneficial, majority-employee consent, a six-month advance application, monthly online returns and a three-year validity, with the employer underwriting the benefit if the insurer defaults.<\/li>\n<\/ul>\n<h3><strong>The Common Thread<\/strong><\/h3>\n<p>Benefits \u2014 rates, pensions and payouts \u2014 are broadly preserved. The legal foundation shifts decisively to the<strong> Code on Social Security, 2020<\/strong>. Administration becomes digital-first, from nomination to claims. Exempted trusts face sharper accountability. And members gain a faster, more enforceable service standard: a 20-day claim window backed by 12% penal interest recoverable from the officer responsible. This is a <strong>modernisation of the framework, not a redrawing of the deal.<\/strong><\/p>\n<p>Please find attached the following gazette documents:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/>\u00a0<strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Employees-Pension-Scheme-2026-.pdf\">Employees Pension Scheme 2026<\/a> <\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/>\u00a0<strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Employees-Depoist-Linked-Insurance-Scheme-2026.pdf\">Employees Depoist Linked Insurance Scheme 2026<\/a><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/>\u00a0 <strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Employees-Provident-Fund-Scheme-2026.pdf\">Employees Provident Fund Scheme 2026<\/a> <\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/>\u00a0<strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Rate-of-Interest-EPF.pdf\">Rate of Interest &#8211; EPF<\/a><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/>\u00a0<strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Gazette-notification-regarding-rate-of-EDLI-contribution.pdf\">Gazette notification regarding rate of EDLI contribution<\/a>\u00a0<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/> <strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Gazette-notification-regarding-rate-of-EPS-contribution.pdf\">Gazette notification regarding rate of EPS contribution<\/a><\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2162\" src=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png\" alt=\"pdf icon\" width=\"25\" height=\"36\" srcset=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-210x300.png 210w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon-105x150.png 105w, https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2024\/09\/pdf-icon.png 512w\" sizes=\"auto, (max-width: 25px) 100vw, 25px\" \/> <strong><a href=\"https:\/\/www.sgcms.com\/regulatory-updates\/wp-content\/uploads\/2026\/07\/Gazette-notification-regarding-rate-of-EPF-contribution.pdf\">Gazette notification regarding rate of EPF contribution<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On 29 June 2026, the Ministry of Labour &amp; Employment reshaped the foundation of India&#8217;s provident-fund system. Through three Gazette notifications it brought into force the Employees&#8217; Provident Fund Scheme, 2026, the Employees&#8217; Pension Scheme, 2026, and the Employees&#8217; Deposit-Linked Insurance (EDLI) Scheme, 2026 \u2014 all under the Code on Social Security, 2020. Together they&hellip; <a class=\"more-link\" href=\"https:\/\/www.sgcms.com\/regulatory-updates\/employee-provident-fund-pension-and-deposit-linked-insurance-scheme-2026\/\">Continue reading <span class=\"screen-reader-text\">Employee Provident Fund, Pension and Deposit Linked Insurance Scheme, 2026<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":2137,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[120,57,17,109],"tags":[111,54,24,106],"class_list":["post-3399","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-code-on-social-security","category-compliance","category-epfo","category-labour-codes","tag-code-on-social-security","tag-compliance","tag-epfo","tag-wage-code","statesofindia-central","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Employee Provident Fund, Pension and Deposit Linked Insurance Scheme, 2026 - Regulatory Updates by SGCMS<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sgcms.com\/regulatory-updates\/employee-provident-fund-pension-and-deposit-linked-insurance-scheme-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Employee Provident Fund, Pension and Deposit Linked Insurance Scheme, 2026 - Regulatory Updates by SGCMS\" \/>\n<meta property=\"og:description\" content=\"On 29 June 2026, the Ministry of Labour &amp; Employment reshaped the foundation of India&#8217;s provident-fund system. Through three Gazette notifications it brought into force the Employees&#8217; Provident Fund Scheme, 2026, the Employees&#8217; Pension Scheme, 2026, and the Employees&#8217; Deposit-Linked Insurance (EDLI) Scheme, 2026 \u2014 all under the Code on Social Security, 2020. 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