NPS & EPF Rules Transformed: More Flexibility, Faster Access to Retirement Savings
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News18•10-01-2026, 14:14
NPS & EPF Rules Transformed: More Flexibility, Faster Access to Retirement Savings
- •NPS annuity requirement reduced from 40% to 20%, allowing 80% lump sum withdrawal for retirees.
- •NPS corpus of Rs 8 lakh or less can be fully withdrawn without annuity, benefiting small savers.
- •NPS exit possible after 15 years; partial withdrawals increased to four times before age 60.
- •Non-government NPS investors can now allocate up to 100% to equity from October 2025.
- •EPF withdrawal reasons simplified to 3 categories; employer approval mostly removed for transfers.
Why It Matters: New NPS and EPF rules offer greater flexibility, easier access, and digital convenience for retirement savings.
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