EPF Scheme 2026: Is Your Private PF Trust Compliant?

India replaced its 70-year-old EPF law with a new 2026 scheme. Interest rates and contributions stay the same — but private PF trusts now face stricter rules, and delays or non-compliance could affect when you actually get your money.

Here's what happened: EPF Scheme 2026 replaces the 1952 version under the new Social Security Code, modernising the legal framework for 6+ crore salaried employees.. Core rules remain unchanged: 12% contribution from employee and employer each, 8.25% interest rate, and your existing UAN carries forward with no disruption.. Private or exempted PF trusts — run by large employers — now face stricter governance, digital reporting, and compliance mandates under the new framework..

What you should do: Check whether your employer runs an exempted private PF trust — ask HR or look at your salary slip for 'PF Trust' versus 'EPFO' as the remittance destination.. Log into your UAN portal at unifiedportal-mem.epfindia.gov.in and verify your PF balance is being updated monthly — gaps may signal trust compliance failures.. If you're switching jobs, request a PF transfer via Form 13 immediately rather than leaving funds in a private trust you can no longer monitor..

Private trust members are legally entitled to the same interest rate as EPFO members — if your trust credits less than 8.25% for FY2024-25, you can raise a formal grievance on the EPFO portal.