<p>With the EPFO 3.0 upgrade, provident fund withdrawals will become easier via ATM and UPI. Also, learn about the upcoming changes in PAN-Aadhaar linking, digital banking, and ATM transaction charges.</p><img><p>The EPFO 3.0 upgrade by March 2026 will simplify PF withdrawals. You can withdraw up to 75% of your PF from ATMs and instantly transfer funds to your bank via UPI.</p><img><p>PAN cards not linked with Aadhaar will become inactive from January 1, 2026. This will block opening new bank accounts or depositing large sums. A ₹1000 fine will apply.</p><img><p>In 2026, the RBI will launch a new security framework to stop cyber fraud. It includes strict biometric checks for large transfers and a system to monitor unusual transactions.</p><img><p>The RBI now requires banks to get clear, documented consent for digital services. Banks can’t force customers into digital banking to get debit cards or other products.</p><img><p>Despite earlier reports of a plan to merge 12 public sector banks, the government has told Parliament there are no current discussions on bank mergers, as per the Finance Minister.</p><img><p>The ATM fee hike from May 2025 will continue in 2026. After the free monthly limit, each transaction will cost ₹23. The rule of 5 free transactions at your bank’s ATM remains.</p>
