The Employees’ Provident Fund Organisation (EPFO) is preparing to launch a new, feature-rich mobile application by April 2026, aimed at making provident fund services as simple and quick as everyday banking. This upcoming app will be a major relief for salaried employees whose PF is deducted every month, as it is designed to eliminate long waiting periods and complex procedures traditionally associated with PF withdrawals and claims.

One of the most significant features of the new EPFO app is the ability to withdraw PF money directly to a bank account using Unified Payments Interface (UPI). With this facility, users will be able to access their eligible PF savings from home, without paperwork or repeated follow-ups. The government’s goal behind this move is to ensure that PF-related services are as fast, transparent, and user-friendly as modern digital payment systems.

The app will also clearly display a breakup of the PF balance, making it easier for users to understand their funds. The total amount will be divided into two categories: Eligible Balance and Locked Balance. The eligible balance will be the portion that can be withdrawn as per rules, while at least 25% of the total PF amount will remain locked and accessible only after retirement. This clear separation will help users plan withdrawals without confusion.

Another major upgrade is the introduction of automatic claim settlement. Under this system, PF claims of up to ₹5 lakh will be processed electronically and settled within just three days, without any human intervention. This auto-settlement feature is expected to significantly reduce delays and workload at EPFO offices and can be used for essential needs such as medical treatment, education, marriage, or home construction.

Overall, the upcoming EPFO app is expected to transform how employees interact with their provident fund accounts. By combining UPI-based withdrawals, transparent balance details, and rapid claim settlement, the app aims to give users quicker control over their savings and a smoother, more reliable experience than ever before.