Official pension sources in India — where to check EPF, EPS, NPS, UPS, APY, PPF and SCSS rules

Pension rules in India come from several authorities. EPF and EPS are governed by the Code on Social Security, 2020 and the schemes made under it, and run by EPFO under the Ministry of Labour and Employment. NPS, UPS, Atal Pension Yojana and NPS Vatsalya are regulated by PFRDA under the PFRDA Act, 2013, with NPS Trust overseeing pension funds. PPF and SCSS are government small-savings schemes whose rules and quarterly rates come from the Ministry of Finance, explained by the National Savings Institute and operated by India Post and banks. Annuities are insurance products regulated by IRDAI. When an article (including ours) and an official source disagree, the official source wins. This page lists where to check what, and how to read official notices.

Who is the authority for what

Topic	Primary authority	Where to check
EPF contributions, interest, withdrawals	EPFO	epfo.gov.in
EPS pension rules	EPFO	epfo.gov.in
Wage ceiling and scheme notifications	Ministry of Labour and Employment	labour.gov.in
EPFO complaints	EPFO	epfigms.gov.in
NPS, UPS, APY, NPS Vatsalya regulations	PFRDA	pfrda.org.in
NPS fund returns and pension fund oversight	NPS Trust	npstrust.org.in
UPS for central government staff	Department of Expenditure	doe.gov.in
Central government pension policy	Department of Pension and Pensioners' Welfare	doppw.gov.in
PPF and SCSS rules and rates	Ministry of Finance; National Savings Institute	nsiindia.gov.in
Post office accounts	India Post	indiapost.gov.in
Annuities and insurer complaints	IRDAI	irdai.gov.in
Insurance Ombudsman	Council for Insurance Ombudsmen	cioins.co.in
Bank complaints (PPF/SCSS at banks, auto-debits)	RBI	rbi.org.in
Laws as enacted	Government of India	indiacode.nic.in and egazette.gov.in
Escalating grievances against government bodies	DARPG	pgportal.gov.in

The laws behind the schemes

Code on Social Security, 2020: consolidates the earlier Employees' Provident Funds and Miscellaneous Provisions Act, 1952 and other social security laws. The Employees' Provident Funds Scheme, 2026 was notified under it on 29 June 2026 (G.S.R. 525(E)); a new pension scheme and deposit-linked insurance scheme were reported as notified at the same time, but EPFO material from August 2026 still names the Employees' Pension Scheme, 1995, so check EPFO for the current texts.
Pension Fund Regulatory and Development Authority Act, 2013: the basis for PFRDA and NPS. PFRDA's regulations, such as the exit and withdrawal regulations amended in December 2025, set the detailed rules.
Government Savings Promotion Act, 1873 and schemes notified under it: the legal basis for PPF and SCSS since the small-savings laws were consolidated.
Insurance Act, 1938 and IRDAI regulations: govern annuity products.

How to check a rule or a rate

Find the date. Rates (EPF yearly; PPF and SCSS quarterly) and rules change. Look for the notification or circular date on the official page.
Prefer the notification over the press release. A Cabinet decision or press release announces a change; the gazette notification or circular makes it operational. The date of effect can differ.
Check the scheme it applies to. NPS rules for government and non-government subscribers differ; UPS rules apply only to central government staff who opted in.
Read FAQs, then the regulation. PFRDA and EPFO FAQs are easier to read, but where they differ from the regulation, the regulation prevails.
Keep a copy. Save the PDF or a screenshot with the date, in case the page changes.

Worked example: checking the wage ceiling

Suppose you read that the EPF wage ceiling is now ₹25,000. To confirm it:

Look for the Cabinet decision announced by the government (PIB release of 16 September 2026; effective from 17 September 2026).
Search the eGazette for the notification amending the ceiling under the Code on Social Security, 2020, and note its G.S.R. number and date.
Check EPFO's circulars section for operational instructions to employers, such as how the change applies to EPS contributions and to members already on the rolls.
Compare your salary slip after the change with what the circular says.

If step 2 or 3 is missing, treat details in news reports as provisional. The same method works for an NPS exit rule (PFRDA regulation and circular) or a PPF rate (Ministry of Finance notification for the quarter).

Spotting unreliable information

Articles that still quote the 60:40 NPS rule for everyone, the ₹15,000 wage ceiling as current, or PMVVY as open.
"Guaranteed" NPS returns. NPS is market-linked.
Unofficial "helpline" numbers in search ads or social media.
Calculators that hide the return assumption.
Posts that cite a Cabinet decision but not the notification that brought it into force.

How this site uses sources

We describe rules as we understand them in October 2026 and name the authority for each one. Rates are given with the period they apply to. Where reports differ or we could not confirm a detail from an official text, we say so in the guide. Returns in examples are assumptions and are labelled illustrative. This site gives general information, not financial advice; see the common pension mistakes guide for typical pitfalls, and the EPFO grievance and NPS grievance guides if you need to complain. For EPF claim problems see EPF claim rejections, and for job changes see EPF transfers and UAN.

Frequently asked questions

Is epfo.gov.in still EPFO's website?

Yes, EPFO's long-standing address now redirects to EPFO's current domain. Use the official address and follow the links from there rather than search results.

Where can I find the latest PPF rate?

The Ministry of Finance notifies rates before each quarter. The National Savings Institute and India Post websites publish them.

Where are PFRDA's regulations?

On PFRDA's website under regulations and circulars, and in the Gazette of India.

Can I rely on bank or insurer websites?

They are useful for their own products and procedures, but for scheme rules, check the regulator or the government source.

Official sources

EPFO — EPF and EPS schemes and circulars
PFRDA — NPS, UPS and APY regulations
National Savings Institute — small-savings schemes
eGazette of India — official notifications
India Code — consolidated laws