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EPFO 3.0 Introduces UPI Withdrawals, Rs 5 Lakh Auto Claims & CITES
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Fusion42 · 16 July 2026 · Fusion42 review
India's EPFO 3.0 overhauls provident fund services with UPI-based withdrawals, raises auto-settlement limits to Rs 5 lakh (five-fold increase), enables automatic transfers between jobs, and centralises subscriber data. The phased rollout targets faster, simpler access to retirement savings for India's 300+ million organised workforce.
This Wire brief sits within Fusion42's coverage of Fintech.
◆ ◆ The Wire takeaway
If you build payroll, benefits, or HR software for India, EPFO just became your infrastructure. UPI withdrawals and auto-transfers mean you need to integrate with EPFO 3.0 or your customers will route around you.
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1 source · 16 Jul 2026
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