Inoperative EPF Account: Interest Stops, Revival Process Explained

• An EPF account becomes inoperative if no contribution or claim is made for 36 months after eligibility for final settlement.
• Interest continues on EPF balance until age 58, and for three years thereafter, even if contributions stop.
• After the three-year window post-58, if unclaimed, the account becomes inoperative and stops earning interest.
• Inoperative EPF accounts can be reactivated by updating KYC, ensuring an active UAN, and submitting a valid claim.
• EPS accounts do not become inoperative like EPF; pensioners must submit an annual life certificate to continue receiving pension.