A rep from the Joint Congressional Committee on Inaugural Ceremonies -- which oversees the swearing-in process -- tells TMZ, the team is still planning to hold the big event in-person ... not virtually.

We're told the JCCIC is going to require masks and social distancing for everyone sitting on the dais with Biden -- which you'd expect -- but the Committee is also considering imposing mandatory testing for anyone who will be in the Prez-elect's immediate vicinity.

The stage construction is in full swing and, at this point, a pivot to a virtual ceremony or one significantly scaled back on head count is not in the works. However, a lot can change between now and January 20, as far as the pandemic's concerned.

We're told the congressional committee is still weighing how to go about ticketing, hoping to make it safe, but also inclusive.

Now, as far as the folks who wanna gather on the National Mall and watch the inauguration -- the District of Columbia has already laid out ground rules. It's requiring masks and distancing ... which most likely will translate to a limited capacity.

Outside of the Inauguration, DC already has pretty strict regulations for out-of-town travelers ... including negative tests, and a 14-day quarantine if you're coming from certain states.

Regarding the parade that usually follows the swearing-in, we're told that falls on the city as well. The D.C. Mayor's Office tells us they are planning for a parade as well the other inauguration traditions.