india employmentnews

Hit enter to search or ESC to close.

Good News for Employees: PF Account Earns Interest Even After Job Loss — Check Rules and Balance Online

By Siddhi Jain | Updated: Sep 15, 2025, 08:26 IST
vdf

Losing a job can be a stressful experience, but there is some financial relief for employees in India. The Employees’ Provident Fund Organisation (EPFO) has clarified that even if you lose your job or voluntarily leave employment, the money already deposited in your Provident Fund (PF) account will continue to earn interest.

This rule ensures that your savings keep growing until you reach retirement age, giving you much-needed financial security during uncertain times.

How Long Will PF Earn Interest?

According to EPFO guidelines:

  • If you lose your job or quit, your PF account will continue to earn interest until the age of 58.

  • The deposits in your PF account remain active and keep growing with the applicable annual interest rate declared by EPFO.

  • However, once you turn 58, interest on your PF balance will stop. The government assumes that by this age, a person is retired and should withdraw the accumulated funds.

This means it’s important to plan withdrawals or transfers from your PF account before the cut-off age to maximize benefits.


Why This Rule Matters

The clarification from EPFO is significant because many employees worry that their PF account becomes inactive immediately after they lose their job. With this rule, you can rest assured that your savings won’t remain idle. Instead, they will continue to grow until you reach retirement age.

This also means that even if you’re in between jobs, your PF balance continues to work for you, adding an extra layer of financial stability.

Easy Ways to Check Your PF Balance

EPFO provides multiple user-friendly options for employees to check their PF balance. Here are the most popular methods:

1. Missed Call Facility

  • Give a missed call to 9966044425 from your registered mobile number.

  • You will receive an SMS with details of your PF balance.

2. SMS Service

  • Send an SMS in the format “EPFOHO UAN ENG” to 7738299899 from your registered mobile number.

  • Within seconds, you’ll get an SMS with your PF balance and account details.

3. EPFO Website

  • Visit the official EPFO website.

  • Log in using your UAN (Universal Account Number) and password.

  • Go to the “Passbook” section to view your PF balance and transaction history.

4. UMANG App

  • Download the UMANG mobile app on your smartphone.

  • Navigate to the EPFO section.

  • You can check your balance, passbook, and claim status directly from the app.

These services make it extremely convenient for employees to track their PF savings anytime, without visiting the EPFO office.

Key Takeaways for Employees

  • Your PF account continues to earn interest even after you stop working, until you turn 58.

  • After 58 years of age, no interest will be credited — so it’s best to withdraw or plan utilization before this age.

  • EPFO offers simple digital tools like SMS, missed call services, and the UMANG app to help you check your PF balance instantly.

  • Regularly monitoring your PF account ensures better financial planning and security.

Bottom Line

The EPFO’s rules make sure that employees’ savings are protected and continue to grow, even in the event of job loss. By taking advantage of online facilities and keeping track of your PF account, you can plan your finances wisely and secure a stable future.

Around The Web

You May Also Like

Trending