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.

Employees' PF to Gratuity: How To Claim In Case of Death

The Employee Provident Fund (EPF) and Gratuity are two important components of an employee’s retirement benefits. In the event of an employee’s death, their family or beneficiaries can claim both the EPF and Gratuity amount. However, there are certain criteria that must be met for the claims to be processed.

EPF Claim in case of Death

The EPF balance consists of contributions made by the employee and employer. In the event of the employee’s death, the nominee or legal heir can claim the EPF balance along with the accumulated interest. The process of claim PF amount after the employee’s death is straightforward and can be done by following these steps:

Step 1: Inform the Employer

The first step is to inform the employee's employer about the unfortunate event. The employer must initiate the process of transferring the EPF balance to the nominee or legal heir.

Step 2: Submission of Required Documents

The nominee or legal heir must submit certain documents to initiate the claim process. These documents include:

• Death certificate of the employee
• Claim Form 20
• Claim Form 10D (For the Pension Scheme, if applicable)
• Nomination forms submitted by the employee (if any)
• Legal heir certificate or succession certificate

Step 3: Verification of Documents

The EPF office will verify the submitted documents and ensure that the claimant is the rightful nominee or legal heir.

Step 4: Settlement of Claim

After the verification process, the EPF amount will be settled and transferred to the nominee or legal heir's bank account. 

PF Claim Status

Claim status of the EPF can be checked online by visiting the EPFO portal. The portal provides two options to check the claim status – by entering the PF account number or the claim reference number. Once the pf claim status is processed, the same can be viewed online by logging into the EPFO portal.

Gratuity Claim in Case of Death

Gratuity is a benefit that an employee accrues after completing five years of continuous service with their employer. In the event of the employee's death, the nominee or legal heir can claim the gratuity amount. The process of claiming the gratuity amount after the employee's death is straightforward and can be done by following these steps:

Step 1: Inform the Employer

The first step is to inform the employee's employer about the employee's death. The employer must initiate the process of transferring the gratuity amount to the nominee or legal heir.

Step 2: Submission of Required Documents

The nominee or legal heir must submit certain documents to initiate the gratuity claim process. These documents include:

• Death certificate of the employee
• Claim Form I
• Legal heir certificate or succession certificate

Step 3: Verification of Documents

The employer will verify the submitted documents and ensure that the claimant is the rightful nominee or legal heir.

Step 4: Settlement of Claim

After the verification process, the gratuity amount will be settled and transferred to the nominee or legal heir's bank account.

Please note that both the EPF and gratuity claims may take some time to process. However, the claims will be settled as per the established timelines and rules.

In conclusion, the EPF and gratuity benefits are important for an employee's financial security and retirement planning. In the event of an employee's death, their family or beneficiaries can claim both the EPF and gratuity benefits. The claim process can be initiated by following the aforementioned steps and submitting the required documents. It is important to keep track of the claim status and ensure that all the necessary documents and information are provided to avoid any delays or rejections.

Disclaimer: Investors must gauge all the pros and cons of trading in the Indian financial market before making any investment decisions. This article is for informational purposes only and should not be construed as investment advice. The author and the website are not liable for any investment decisions made by the readers.

Summary:

The Employee Provident Fund (EPF) and Gratuity are two important components of an employee’s retirement benefits. After an employee's death, his/her family or beneficiaries can claim both the EPF and Gratuity amount. The article provides a step-by-step process of claiming the EPF and gratuity benefits in case of an employee’s death. The article also highlights the importance of keeping track of the claim status to avoid any delays or rejections. The article cautions investors to gauge all the pros and cons of trading in the Indian financial market before making any investment decisions.