Archive · 30 Dec 2025
2025 Changes to Tax, NPS, and Labour Codes
In 2025, there were big changes to how your money is managed for retirement and taxes.
The EPFO, which handles your provident fund, is making it easier to manage your money by putting all your accounts under one number.
This will make things like transferring or withdrawing money simpler.
The NPS, which is a pension system, is now more flexible.
You can put more of your money into stocks, up to 100%, and there are more choices for how your money is invested.
These changes will start affecting your wallet in 2026, making it easier and more flexible to save for retirement.
EPFO 2.0 will consolidate and streamline employee databases, making it easier to manage EPF accounts under one UAN.
NPS equity exposure increased to 100% from 75%, offering more investment options.
Pension fund managers can now offer multiple schemes with pre-defined asset allocation.
Changes will impact employees' and pensioners' wallets in 2026.
Improvements in EPFO services expected soon.
- Who
- Employees and pensioners in India.
- What
- Changes in tax, NPS, and labour codes.
- When
- Changes will affect wallets in 2026.
- Where
- India.
- Why
- To improve services and flexibility in pension and provident fund systems.
- EPFO 2.0
- Consolidates and streamlines employee databases, enabling smoother integrations of EPF accounts under one UAN.
- NPS Equity Exposure
- Increased to 100% from 75%.
- NPS Flexibility
- Expanded equity universe and multiple schemes with pre-defined asset allocation.
- Effective Date
- Changes will impact wallets in 2026.
- EPFO Services
- Improvements in services expected soon.