EPFO 3.0 New Features: PF Withdrawal Through ATM, UPI Access and Other Changes Explained

by Jobuza Team | Jul 1, 2026 | BLOG, Trending News

The Employees’ Provident Fund Organisation (EPFO) is set to introduce major digital upgrades under the EPFO 3.0 platform. The new system aims to make provident fund services faster, simpler, and more convenient for millions of subscribers across India.

One of the biggest changes expected under EPFO 3.0 is the introduction of PF withdrawal facilities through UPI apps and EPF-linked ATMs. This move is expected to reduce paperwork, speed up fund access, and provide members with easier ways to manage their retirement savings.

Apart from instant withdrawal options, EPFO 3.0 will also bring several digital improvements, including faster claim processing, easier fund transfers, and improved online services.

What Is EPFO 3.0?

EPFO 3.0 is a digital transformation initiative introduced to modernise the EPFO system and improve the overall experience for employees. The platform focuses on making provident fund-related services more accessible through technology.

Under this upgrade, EPFO members are expected to get features such as UPI-based PF withdrawals, ATM withdrawal facilities, auto claim settlements, faster fund transfers, and simplified KYC updates.

The objective is to reduce dependency on manual processes and allow subscribers to access their PF services digitally.

When Will EPFO 3.0 UPI and ATM Withdrawal Facility Start?

The UPI and ATM withdrawal facility under EPFO 3.0 is expected to be rolled out soon. According to media reports, the service may become available by the end of June, although EPFO has not announced an official launch date yet.

The new system has reportedly completed testing, and the final rollout is expected after necessary approvals and preparations.

Once launched, EPFO subscribers will also be able to check their provident fund balance through UPI applications, making account management more convenient.

Will EPFO Members Get an ATM Card for PF Withdrawal?

Under the proposed EPFO 3.0 system, members may get access to EPF-linked ATM cards that will allow direct withdrawal of provident fund money through ATMs.

These cards are expected to be connected with the member’s PF account and will provide another digital option for accessing eligible funds without following lengthy withdrawal procedures.

However, detailed information regarding the issuance process, card availability, and operational guidelines is yet to be released by EPFO.

EPFO 3.0 Withdrawal Limit Through UPI and ATM

EPFO has not officially announced any separate withdrawal limit for UPI or ATM transactions under the new platform.

The existing EPF withdrawal rules are expected to remain applicable even after the introduction of digital withdrawal facilities.

Currently, eligible members can withdraw a portion of their PF balance depending on the purpose of withdrawal and applicable conditions. Reports suggest that the new system may allow instant withdrawal of up to 75% of the available EPF balance through digital channels.

The remaining amount will continue to remain invested as a retirement savings component to ensure long-term financial security.

How Will PF Withdrawal Through UPI and ATM Work?

The new withdrawal process under EPFO 3.0 is expected to work through digital authentication and linked financial accounts.

Members may need:

• An active Universal Account Number (UAN)
• Aadhaar-linked UAN
• Updated PAN details
• Verified bank account information
• Registered mobile number for OTP verification

Once eligibility and verification requirements are completed, members may be able to access PF withdrawal services through supported UPI platforms or EPF-linked ATMs.

Who Will Be Eligible for EPFO 3.0 Digital Withdrawal?

EPFO members with updated KYC details are expected to use the new digital withdrawal facilities.

To avoid issues during transactions, subscribers should ensure that their Aadhaar, PAN, bank account details, and mobile number are correctly linked with their EPF account.

Members with incomplete or outdated KYC information may need to update their details before using the new services.

Other Major Changes Expected Under EPFO 3.0

Apart from UPI and ATM withdrawal facilities, EPFO 3.0 will introduce several other improvements to make services more user-friendly.

Faster Auto Claim Settlement

EPFO has already increased the automatic claim settlement limit from ₹1 lakh to ₹5 lakh. This will allow more eligible claims to be processed automatically without manual intervention.

Face Authentication Through UMANG App

The platform is also expected to support Face Authentication Technology through the UMANG application. This feature will help simplify identity verification and reduce paperwork during claim processing.

Easier KYC Updates

EPFO members will be able to update personal details and make corrections through Aadhaar-based OTP verification, making account management easier.

Improved Pension and Fund Transfer Services

EPFO 3.0 is also expected to improve pension withdrawal processes and enable smoother fund transfers between accounts.

Benefits of EPFO 3.0 for Salaried Employees

The new digital platform will provide several advantages to EPFO subscribers, including:

• Faster PF withdrawal through UPI and ATM facilities
• Reduced paperwork and simpler claim processing
• Quick auto-settlement of eligible claims
• Easier KYC updates through digital verification
• Improved access to EPFO services online
• More convenient management of provident fund accounts

Conclusion

EPFO 3.0 is expected to bring significant changes to how employees access and manage their provident fund accounts. With features like UPI-based withdrawals, ATM access, faster claim settlement, and improved digital services, the platform aims to make EPFO services more transparent and convenient.

However, until EPFO releases official guidelines, existing withdrawal rules, eligibility criteria, and tax regulations will continue to apply. Subscribers should wait for official updates before using the new facilities.

Best Cars Under ₹10 Lakh in India: Practical Features, Price and Key Highlights

by Jobuza Team | Jul 1, 2026 | BLOG, Trending News

Buying a car under ₹10 lakh is no longer only about finding an affordable vehicle for daily commuting. Today’s buyers are more focused on features that improve comfort, convenience, safety, and overall ownership experience.

Instead of choosing cars based only on attractive specifications, customers are looking for practical additions that they can use regularly. Features such as automatic transmission, CNG options, 360-degree cameras, rear AC vents, and factory-fitted dashcams are becoming increasingly important for everyday driving.

With several options available in this price range, choosing the right car can be challenging. Here is a list of the top 5 cars under ₹10 lakh that offer useful features and strong value for money.

Hyundai Exter (Starting Price: ₹5.80 Lakh)

The Hyundai Exter is one of the most practical micro-SUVs available in the Indian market. It offers a good balance of features, comfort, and affordability, making it a popular choice among urban car buyers.

Selected variants of the Exter come equipped with a factory-fitted dual-camera dashcam, which adds an extra layer of safety while driving. The SUV also gets rear AC vents, wireless smartphone connectivity, and automatic climate control for improved cabin comfort.

For buyers looking for better fuel efficiency, Hyundai offers Hy-CNG Duo variants. The twin-cylinder CNG setup helps maintain usable boot space while delivering better running costs.

Tata Punch (Starting Price: ₹5.65 Lakh)

The Tata Punch is another strong option for buyers looking for a practical and reliable car under ₹10 lakh. Its SUV-inspired design, high ground clearance, and strong road presence make it suitable for Indian road conditions.

The Punch comes with useful features such as automatic headlamps, rain-sensing wipers, and a twin-cylinder iCNG setup that helps retain luggage space. Newer variants also offer features like a 360-degree camera, larger touchscreen infotainment system, and six airbags for enhanced safety.

With its compact dimensions and rugged build, the Tata Punch is well suited for both city driving and occasional highway journeys.

Maruti Suzuki Dzire (Starting Price: ₹6.26 Lakh)

The Maruti Suzuki Dzire continues to be a popular choice among buyers who want a comfortable and economical family sedan. Its efficient 1.2-litre Z-Series petrol engine delivers good mileage while keeping maintenance costs affordable.

The sedan comes with important safety and convenience features, including six airbags as standard, electronic stability control, rear parking camera, keyless entry, and push-button start.

The Dzire is a practical choice for customers who want a spacious car with low ownership costs and reliable performance.

Nissan Magnite (Starting Price: ₹5.65 Lakh)

The Nissan Magnite has gained popularity by offering SUV styling and premium features at an affordable price. It provides several features that are usually found in higher-priced vehicles.

One of the biggest highlights of the Magnite is its 360-degree camera, which makes parking and navigating tight spaces easier. The SUV also offers wireless smartphone connectivity and a spacious cabin for passengers.

For buyers who frequently drive on highways, the turbo-petrol engine option provides stronger performance while keeping the overall price within budget.

Mahindra XUV 3XO (Starting Price: ₹7.54 Lakh)

The Mahindra XUV 3XO is among the most feature-packed SUVs available under ₹10 lakh. It offers a combination of strong performance, safety features, and premium equipment.

The SUV comes with six airbags as standard across variants, making it a safer choice for families. Its 2,600mm wheelbase provides better rear-seat comfort, while the turbo-petrol engine delivers confident performance for both city and highway driving.

Mahindra also offers a 6-speed AISIN torque converter automatic transmission. Other useful features include wireless charging, cruise control, bi-LED projector headlamps, and dual-zone climate control.

Conclusion

The under ₹10 lakh car segment has become highly competitive, with manufacturers offering more practical and useful features than ever before. Buyers now have options that provide better safety, comfort, fuel efficiency, and convenience without crossing their budget.

Whether you prefer a compact SUV, sedan, or fuel-efficient family car, models like Hyundai Exter, Tata Punch, Maruti Suzuki Dzire, Nissan Magnite, and Mahindra XUV 3XO offer features that make everyday driving easier.

Prices mentioned above are starting ex-showroom prices and may vary depending on location, taxes, registration charges, and other additional costs.

ATM Fraud Explained: Common Types, Risks and 5 Effective Ways to Protect Your Money

by Jobuza Team | Jul 1, 2026 | BLOG, Trending News

Automated Teller Machines (ATMs) have transformed the way people access banking services. They provide quick, convenient and paperless banking facilities, allowing customers to withdraw cash, check account balances and view recent transactions anytime without visiting a bank branch.

However, the growing use of ATMs has also increased the risk of financial fraud. Fraudsters use advanced techniques to steal sensitive banking information such as ATM PINs, card details, and OTPs, which can lead to unauthorised transactions and financial losses.

With the rise in digital banking scams, it has become important for every bank customer to understand how ATM fraud works and learn the right ways to keep their money safe. Staying informed about new fraud techniques and following basic security practices can help prevent such incidents.

What Is ATM Fraud?

ATM fraud refers to illegal activities where criminals steal money or confidential banking information from ATM users. Fraudsters often use hidden devices, fake equipment, or social engineering techniques to access card details and misuse them for unauthorised transactions.

These scams can affect anyone using an ATM, making awareness and caution essential while carrying out banking transactions.

Common Types of ATM Fraud

Card Skimming

Card skimming is one of the most common ATM fraud methods. In this technique, fraudsters install illegal devices on ATM card slots to secretly capture card information. The stolen data is then used to create fake cards or make unauthorised transactions.

Card Trapping

In card trapping scams, criminals use physical devices to block or trap a user’s card inside the ATM machine. When the customer leaves to seek assistance or contact the bank, fraudsters remove the card and use it to withdraw money or access banking information.

Shoulder Surfing

Shoulder surfing involves secretly watching a user’s activities while they enter their ATM PIN. Fraudsters may observe PIN details directly or use hidden cameras to record sensitive information. They later use these details to access the account and carry out fraudulent transactions.

Phishing Scams

Phishing scams involve tricking users into sharing confidential banking details through fake calls, messages, emails or websites. Fraudsters often ask for information such as ATM PINs, OTPs, CVVs or card details by pretending to be bank representatives.

Once these details are obtained, criminals can misuse them for unauthorised transactions.

How Can ATM Fraud Affect Customers?

ATM fraud can cause serious financial and emotional difficulties for victims. Some common impacts include:

• Loss of money through unauthorised transactions
• Theft of personal and banking information
• Stress and anxiety while recovering funds
• Risk of identity theft
• Damage to financial security and confidence

Victims often spend considerable time reporting fraud, blocking cards, contacting banks and trying to recover lost funds. In severe cases, such incidents can create major financial challenges for individuals and their families.

5 Smart Ways to Protect Your Money from ATM Fraud

1. Check the ATM Before Using It

Always inspect the ATM carefully before starting a transaction. Look for unusual devices, loose card slots, damaged keypads or suspicious attachments that may indicate tampering.

Avoid using ATMs that appear damaged or located in isolated areas.

2. Protect Your PIN While Entering It

Always cover the ATM keypad while entering your PIN. This prevents hidden cameras or nearby individuals from viewing your confidential information.

If someone is standing too close while you are making a transaction, maintain a safe distance and avoid sharing any banking details.

3. Use ATMs in Safe Locations

Prefer using ATMs located inside bank branches, shopping centres, busy markets or areas with proper CCTV surveillance and security arrangements.

Avoid using ATMs in poorly lit or less crowded locations, especially during unusual hours.

4. Enable Transaction Alerts

Activate SMS alerts, mobile banking notifications and email alerts for your bank account. These notifications help you identify suspicious transactions quickly and take immediate action.

If you notice any unauthorised activity, contact your bank immediately.

5. Do Not Take Help from Strangers

If your ATM card gets stuck inside the machine, do not accept help from unknown people nearby. Fraudsters often use such situations to steal card details or money.

Always contact your bank’s official customer support number or visit the nearest bank branch for assistance.

Conclusion

ATM fraud methods are becoming more advanced with time, making awareness and careful banking habits more important than ever. By understanding different types of ATM scams and following basic safety measures, customers can significantly reduce the risk of financial fraud.

Protecting your money starts with staying alert, keeping banking information private and using ATMs responsibly.