If you’ve ever worried about what would happen to your loved ones if something unexpected occurred during your working years, you’re not alone. For many salaried people, that fear is real. That’s why the Employees’ Provident Fund Organisation (EPFO) has made an important update — one that could bring real relief to families during their hardest moments.
What Has Changed in EPFO’s Death Relief Fund?
Until now, the ex gratia amount provided under the Death Relief Fund stood at ₹8.8 lakh. But from April 1, 2025, EPFO has raised this amount to ₹15 lakh.
This money is not given to every PF holder but specifically to the family or nominee of employees who pass away while still in service.
Who Will Receive the ₹15 Lakh Support?
The benefit is aimed at easing the financial stress of families after an untimely loss. The payout goes to:
- The legal heir
- The nominated person
- Or the immediate family members
But here’s a key detail: This applies only to employees connected with the Central Board of Trustees of EPFO.
Why Did EPFO Increase the Amount?
The decision came after discussions by the Central Board of Trustees, which includes representatives from the government, employers, and employees. The reason is simple:
- Rising costs of living mean families need stronger financial security.
- The Staff Welfare Fund will be the source of this support.
- From April 1, 2026, the amount will increase by 5% every year, helping it stay relevant against inflation.
Quick Facts at a Glance
| Previous Amount | New Amount | Effective From | Yearly Increase |
|---|---|---|---|
| ₹8.8 lakh | ₹15 lakh | April 1, 2025 | +5% (from 2026) |
Why This Matters to You
Even if you’re healthy and working, life is unpredictable. For many families, ₹15 lakh can mean:
- Keeping children’s education on track
- Covering medical bills or home expenses
- Having breathing space in a difficult time
As someone who contributes to PF every month, it’s worth knowing that this safety net exists for your family.
Final Thought
If you’re a PF account holder, take a moment to check your nominee details and make sure they’re updated. Because in the worst of times, this support could be the difference between a family sinking or staying afloat.
