What is new about the EPF 2026 Scheme and what it means for subscribers
Last Update Date: 05-10-2026
Published by Business Standard
Abhishek Kumar's role: Quoted
Abhishek Kumar cautioned that high earners could see long-term wealth erosion if employers cap their matching contribution at the ₹15,000 wage ceiling, and said subscribers should keep a separate emergency fund of six to 12 months' expenses.
More of Abhishek's views on retirement
The article explains what has changed under the Employees' Provident Funds Scheme, 2026, which replaced the 1952 scheme. It covers voluntary contributions above the wage ceiling, simpler partial withdrawal categories, a 25% minimum balance rule, a longer wait for full withdrawal after job loss, and the need to update digital records and nominations.
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What is new about the EPF 2026 Scheme and what it means for subscribers