EPFO 3.0 Introduces UPI Withdrawals, Rs 5 Lakh Auto Claims & CITES

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. 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.