EPFO: Are you employed and single? Can you nominate your sibling as a nominee for your EPF and pension?

EPS Pension Nomination Rules: If you are a salaried employee, unmarried, and wondering who will receive your EPF or pension money after you, then this news is for you. Employees often wonder whether an unmarried employee can nominate their brother or sister (EPF nomination for unmarried members). The Employees' Provident Fund Organisation (EPFO) has issued a clarification regarding this, answering all your questions.

What does the EPFO ​​rule say?
The EPFO ​​states that an employee can nominate their brother or sister, but with some important conditions. EPFO ​​rules clearly state that separate nominations are required for the Provident Fund (PF) and the Employees' Pension Scheme (EPS).

According to Paragraph 2(g) of the Employees' Provident Fund Scheme, 1952, the definition of 'family' is given. In the case of a male member, it includes the wife, children, and dependent parents. In the case of a female member, it includes the husband, children, dependent parents, and the husband's dependent parents.

What does the rule say about siblings?
However, there is a crucial rule here. According to Paragraph 61(4) of the EPF Scheme, if the employee has no family at the time of nomination, they can nominate any person, including a brother or sister.

However, as soon as the employee gets married or acquires a family, the old nomination automatically becomes invalid, and it becomes necessary for them to make a new nomination in the name of a family member (EPFO family definition nomination).

The rules are also clear regarding pensions.
Now, let's talk about pensions. In Paragraph 2(vii) of the Employees' Pension Scheme, 1995, the definition of family includes only the spouse and children. According to Paragraph 16(5)(a) of the EPS, if the employee is unmarried or has no surviving spouse or eligible child, they can nominate any person for the pension. The condition here is the same – the nomination will be canceled as soon as a family is formed.

Separate forms required for PF and pension
In simple terms, if an employee is unmarried (unmarried PF nomination rules 2025) and does not have any eligible family member, they can nominate their brother or sister for both PF and pension (PF pension separate nomination), but it is necessary to fill out separate nomination forms for both. A small mistake can cause significant loss to your family, so it is crucial to keep your nominations updated on time.

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