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Can I contribute to PF after 58 and be eligible for pension?

T S Khurana |563 Answers |Ask -Follow

Tax Expert - Answered on Sep 30, 2024

A certified management accountant since 1993, T S Khurana is a fellow member of The Institute of Cost Accountants of India. His areas of expertise are income tax, specifically litigation cases, and GST.

Since the last 21 years, he has also been providing expert advice on financial matters, including investments and diversification of funds, and wealth building in the long term to his clients.
He believes that investment in real estate is the safest way for better returns and wealth generation over a period of time.

A former chairman of the Chandigarh Chapter of Institute of Cost Accountants of India, T S Khurana has also served as member of its technical committee.... more

Asked by Anonymous - Sep 30, 2024Hindi

Money

hi sir My query is that is it possible to contribute to PF account after attaining the age of 58 years so to complete 10 years of service for getting eligible for pension

Ans: 01. If you continue to be in Job, deduction for PF account will continue, but if you leave the job or get retired, your contribution to PF account would discontinue.
Main point is 10 years of service & not your contribution for 10 years to PF account for Pension benefits.
You may either continue in the present job or join some other & complete 10 years to be eligible for pension benefits, under the scheme.
Most welcome for any further clarification. Thanks.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Dear Sir, I am now 60 years old and still employed. My company continues to contribute to my PF as I am still working. I was told that there is no interest for PF 3 years after 58 years age. If I am not getting any interest in my PF account, please advice what I should do. Thanks a lot for your advice. Vijay

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I am now 56, I am currently working in company where they are depositing PF in my account regularly. i want to know whether i have to get scheme certificate before attaining 58 years of age to get pension benefit. Another question i worked in a company whose PF account was in Rajasthan, other companies PF accounts are in Delhi. how to get the services merged to get the pension benefit or they will be merged automatically.

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At the age of 56, with ongoing contributions, you do not need a scheme certificate. The pension is payable upon turning 58, provided you have at least 10 years of total service.
>> Scheme Certificate is generally needed if you leave service before the age 58 and have over 10 years of service, to carry forward pensionable service. Since you are currently working, this is not mandatory for you now.

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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