EPFO 3.0: TCS, Infosys, Wipro to Build Next-Gen PF Platform for Millions

Big changes are coming to how millions of Indians manage their Provident Fund (PF). The Employees’ Provident Fund Organisation (EPFO) is building a new digital system called EPFO 3.0, and it’s bringing in the country’s biggest tech companies—TCS, Infosys, and Wipro—to make it happen.

What’s Changing?

EPFO 3.0 promises to make PF services quicker, easier, and more user-friendly. Here’s what you can expect:

• Faster Claim Settlements: No more long waits—claims will be processed automatically.
• PF Withdrawals from ATMs: You might soon be able to withdraw your PF money just like cash from an ATM.
• Update Details from Home: Need to change your name or date of birth? You’ll be able to do it online—no need to visit an EPFO office.
• OTP-Based Verification: Say goodbye to paperwork. Changes will be verified using your mobile number.
• Pension Payments from Any Bank: Pensioners under the EPS 1995 scheme will get their money from any bank, anywhere in India.
• Better Complaint System: EPFO will use technology to solve member issues faster.

Who’s Building It?

To make this high-tech system a reality, EPFO has selected TCS, Infosys, and Wipro—India’s top three IT companies known for handling large government and corporate projects.

EPFO invited companies to show interest in June 2025. After reviewing their experience and capabilities, these three were shortlisted. The final contracts are yet to be awarded, but the groundwork has begun.

What It Means for You

This upgrade means less paperwork, fewer visits to EPFO offices, and faster access to your money and services. Whether you’re a salaried employee, a pensioner, or someone planning to withdraw PF, EPFO 3.0 is designed to make your life easier.