The government has fixed an annual interest rate of 8.25% on the Employees' Provident Fund (EPF) for the financial year 2024-25. This interest is calculated every month on the closing balance of your EPF account, but it is credited to your account only once a year. That is, interest will be added to the amount of money in your account at the end of the year.

But, do you know that if your EPF account remains inactive for 36 months continuously, then you will not get interest on it? Inactive means that there is no transaction in the account, such as depositing money or withdrawing money. Because only interest credit is not considered a transaction.

When does a PF account become inactive?

According to the rules of EPFO, if your EPF account remains without any transaction for 3 years, i.e., 36 months, then it becomes inactive. This simply means that you will no longer get any interest on that account. Especially if you have retired at the age of 55, then your account will be considered active only for three years, and after the age of 58, this account will become inactive.

So if you change jobs, then it becomes very important to transfer. If you are not doing any job at the moment, then it would be better to withdraw EPF money so that your money does not get stuck in an inactive account. You can know the status of your account from the EPFO website or mobile app.

EPFO advised members
EPFO told people on the social media platform X that if the EPF account is not transferred or withdrawn for 36 months, then that account will become inactive and interest will not be available on it. EPFO says that if you are still working, then transfer the money from your old account to the new EPF account. If you are not working at the moment, then it would be better to withdraw the EPF money.

EPFO 3.0: New digital platform will be launched soon
EPFO is preparing to launch its service platform EPFO 3.0. It was earlier scheduled to be launched in June 2025, but has been delayed due to technical testing. The new platform aims to make claim processing much faster and provide users with digital features such as withdrawal through UPI.

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