I retired at an age of 58 from a private company and my PF contribution stopped. After 3 months I applied for Pension and I am getting it regularly. I shall be of 59 shortly in May 2025. I want to know till what time I keep getting interest . I am seeing confusing statements that account becomes inoperative at 58 as EPF takes age of retirement as 55. - Deepak Patwardhan

Ans: Interest Accrual on EPF
Interest Calculation: EPF continues to earn interest even after retirement.
Time Frame: Interest is credited until three years post-retirement.
Passbook Details: Check for updates periodically for interest credits.
Withdrawal Process
No Immediate Withdrawal Needed: You are not required to withdraw immediately.
Flexibility: You can withdraw your EPF anytime as per your convenience.
Form Submission: Use the correct forms to process withdrawals.
Retention Period
Interest Duration: Interest accrues for three years post-retirement.
Inactive Account: After three years, the account is marked as inactive.
Interest Stoppage: No interest is earned on inactive accounts.
Monitoring Your EPF
Regular Checks: Check your EPF passbook regularly.
Update Issues: Sometimes updates may be delayed, so check periodically.
EPF Website: Use the EPF portal for accurate information.
Final Insights
Interest Earned: EPF continues to earn interest for three years post-retirement.
Inactive Accounts: After three years, the account becomes inactive, and interest stops.
Withdrawal Flexibility: You can withdraw your EPF anytime as per your needs.
Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

Ans: You should be entitled to Interest on your PF account, at least for 3 years after your retirement.
Most welcome for any further clarifications. Thanks.

Ans: Hello;

EPS closes at 58 but you may keep contributing to pf as long as you stay in active employment.

You will get interest on all your contributions. No need to worry.

Ensure entire 12% of employer contribution is credited to your pf account.

Best wishes

Ans: If no contributions are made for more than three years after retirement, the account becomes inoperative.
It stops earning interest.
The existing balance remains safe.