EPFO Vishwas 2026: Settle PF Dues by Dec 28

EPFO has launched a one-time settlement scheme called Vishwas 2026 for employers with pending or disputed PF contributions. It offers reduced or waived damages if dues are cleared before December 28, 2026. Employees should check if their PF deposits are up to date.

Here's what happened: EPFO launched Vishwas 2026, a one-time window for employers to settle pending or disputed EPF contribution arrears with reduced damage charges, open until December 28, 2026.. Normally, delayed EPF deposits attract damages ranging from 5% to 25% per annum depending on the delay period — Vishwas 2026 significantly reduces this burden for eligible employers.. Online applications and dedicated helpdesks are available through EPFO's regional offices, making it easier for small and medium employers to participate and clear outstanding dues..

What you should do: Check your EPFO passbook at passbook.epfindia.gov.in — look for any months where employer contributions are missing or zero despite salary deductions.. File a grievance on EPFiGMS (epfigms.gov.in) if you spot missing deposits — mention specific months and amounts for faster resolution.. If you are a small business owner or employer with pending PF arrears, contact your nearest EPFO regional office before December 28 to apply under Vishwas 2026 and avoid full penal damages..

Even if your employer has enrolled you in EPFO, PF deposits can lag by months. A passbook gap of even one month reduces your interest earnings and disrupts your UAN-linked insurance and pension credits.

If you're considering settling a loan, our loan settlement guide walks through the process.