Must know these rules of Employee Pension Scheme.


One small mistake of yours can trap your entire EPF fund. That is why it is necessary that the rules related to pension and withdrawal of EPFO ​​must be known.

  • Devesh Tiwari

Employee Pension Scheme Rules:

Provident Fund money is useful not only at the time of your need. Rather, it is also a companion of your retirement. Not only this, the Provident Fund also takes care of the family of the member. It also comes in handy for the family when the EPFO ​​member dies. But, do you know that one small mistake of yours can trap your entire fund. Do you know that as soon as a person gets married, the rules of EPF and EPS change for him.

Nomination is canceled after marriage

Actually, after the marriage of a person, his nomination in EPF and EPS gets canceled. This is mentioned in the rules of the Employees’ Provident Fund (EPFO) Scheme, 1952. According to the rules, whatever nominations a member makes for EPF and EPS before marriage, they become invalid after marriage. This means that after marriage, there is a need to do nomination again. Experts say that nominations in EPF and EPS before marriage are automatically canceled after marriage.

Rules for EPF-EPS nomination

Who can be family members in the EPF Act, it has been clearly told. Only these people are allowed to nominate in the Provident Fund account. Under the EPF Act, ‘Family’ in the case of a male member means the wife, children (whether married or not), dependent parents and the wife and children of the deceased son. ‘Family’ in the case of a female member means the husband, children, dependent parents, mother-in-law and the wife and children of the deceased son.

What happens if there is no ‘family member’?

According to the rules, if the EPF member does not have any family member, then he can nominate any person. But, the nomination will become invalid after marriage.

What if the nomination was not done after marriage and died?

If no nomination has been made under the EPF scheme, then the entire amount deposited in the fund will be divided equally among the family members. If the person is not married, the amount will be given to the dependent parents.

Can one nominate a non-family member?

Only the family members mentioned under the rules should nominate in the EPF and EPS accounts. If you want to exclude a family member like your husband or father, then in case of EPF, you have to give it in writing to the EPFO ​​commissioner. Similarly, if the husband and wife get divorced and they do not have children, then on the death of either of them, the pension will be given to the dependent parents.


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