Skip to content

EPFO Plans Separate Benchmarks for EPF, EPS and EDLI

13 October 20251 min read
ECONOMYEPFO PlansSeparateBenchmarks forEPF, EPS and EDLI13 October 2025safalsetu.com

Why in the news

RBI questioned pooling three schemes’ roughly ₹25 trillion corpus under one strategy, so EPFO is studying separate benchmarks.

Key facts

  • Schemes: EPF, EPS, EDLI; one benchmark for EPF, another for EPS and EDLI.
  • Performance now judged by Crisil against bond yields, Sensex and Nifty 50.
  • Approval chain: external experts, EPFO Investment Committee, then government.
  • Gains: alignment with each scheme’s liabilities and tighter monitoring of fund managers.

Digital life certificates

  • CBT to approve doorstep service via India Post Payments Bank for about 8 million EPS pensioners.
  • Fee falls from ₹70 to ₹50, reimbursed by EPFO.

Exam angle

  • Equity share currently 5-15% via index funds.

Test yourself

1. Which agency assesses EPFO's investment performance according to the 2025 report?

Performance is currently assessed by Crisil.

2. Which body is to deliver doorstep digital life certificates to EPS pensioners?

The CBT is to approve delivery via India Post Payments Bank.

3. To what amount was the digital life certificate charge reduced for EPS pensioners?

The charge was cut from ₹70 to ₹50, reimbursed by EPFO.