Understand EPF Scheme 2026

On 29 June 2026, a new rulebook — the EPF Scheme, 2026 — quietly took over under the Code on Social Security, 2020. This guide breaks it down into what actually matters for HR:

Contribution rates — what's still 12%, and who now qualifies for 10%

Every withdrawal rule, tabulated — illness, education, marriage, housing, general-purpose

Nomination rules — including the clause that silently voids nominations after marriage

Compliance checklist — claim timelines, penalties, and the 2026 Enrolment Campaign window

A one-page cheat sheet — every key number, no legal language