EPF Alert: Are You Losing Money? Check How Interest Works on Your PF After Leaving Job

PF is deducted for employees working in private companies. The company deposits 12% of your basic salary into your PF account. The company also deposits the same amount from its side. The government gives interest on the money in your PF account. For the financial year 2024-25, the interest rate was 8.25%. The government changes the interest rate from time to time.

Many people withdraw money from their PF account after leaving a job. This is because many do not know that even after leaving the job, the government gives interest on the money in the PF account for some time. But how many days the interest continues, let us explain.

Interest on PF After Leaving Job

Even after leaving a job, you continue to get interest on the money in your PF account. But this is only for a limited time. Your PF account will get interest for 36 months (3 years) from the date of the last contribution.

After three years, the account becomes inactive and stops getting interest. So, if you have left your job, the government will pay interest on your PF money for three years from the last credit made by your company.

Interest on PF After Retirement

If an employee retires and has a PF account, the money in the account will earn interest for three years after retirement. After this period, the PF account becomes inactive and stops earning interest.

Even though interest stops, your PF balance remains safe. No further interest will be added until you either reactivate the account or withdraw the money.