India has notified the new EPF Scheme, 2026, replacing the 74-year-old EPF Scheme, 1952. But what does this actually mean for salaried employees? In this episode of Kharcha Paani, we break down every important change in simple language—from the new PF withdrawal rules, the 25% minimum balance requirement, withdrawal limits, and when you can withdraw your full PF, to what happens if you change jobs. We also explain mandatory vs voluntary PF contributions with easy examples, why employers may no longer have to match higher voluntary contributions, and what remains unchanged, including the 12% contribution rate, ₹15,000 wage ceiling, tax rules, and existing EPF accounts. We also examine the concerns raised by experts about easier withdrawals, why the government introduced safeguards like the 25% retention rule, and what these changes mean for your retirement savings. If you are a salaried employee or your salary slip has an EPF deduction, this is a must-watch explainer.
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Production: Shruti
Video Editor: Sameer Khan
