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    <title>IS ‘EMPLOYEES’ PROVIDENT FUND ORGANISATION’  NEED  REFORMS?  </title>
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    <description>The article calls for comprehensive EPFO reforms to remedy opaque account management, long claim delays, excessive documentary demands and growing unclaimed contributions. It diagnoses causes including poor employer recordkeeping, fictitious enrolments and member unawareness, and proposes operational and governance measures: single application Aadhar linked online settlements, full transparency of deposits and interest, balance checking kiosks, front office training, field verification of employee data, accountability for delays, an independent redress mechanism, and targeted adjustments to pension and interest practices to improve member outcomes.</description>
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    <pubDate>Mon, 27 Feb 2017 10:09:38 +0530</pubDate>
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      <description>The article calls for comprehensive EPFO reforms to remedy opaque account management, long claim delays, excessive documentary demands and growing unclaimed contributions. It diagnoses causes including poor employer recordkeeping, fictitious enrolments and member unawareness, and proposes operational and governance measures: single application Aadhar linked online settlements, full transparency of deposits and interest, balance checking kiosks, front office training, field verification of employee data, accountability for delays, an independent redress mechanism, and targeted adjustments to pension and interest practices to improve member outcomes.</description>
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