Inoperative EPF Account: When it happens and how to reactivate it

• An EPF account becomes inoperative if eligible for final settlement, no withdrawals for three years, and no contributions.
• Interest continues to accrue until age 58, even if contributions stop; it continues for three more years after 58 if funds are not withdrawn.
• UAN remains active for life; only the specific EPF account linked to employment becomes inoperative.
• Reactivate an inoperative EPF account by updating KYC (Aadhaar, PAN, bank details) and submitting a claim online or offline.
• EPS (pension account) differs from EPF; it continues even after contributions stop, but a life certificate is required annually.