PF Money Grows Even After Job Exit: EPFO Clarifies Interest Rules

• Many mistakenly believe PF stops earning interest after leaving a job, leading to early withdrawals.
• EPFO confirms PF accounts linked to UAN continue to accrue interest even after job changes or becoming inactive.
• Interest continues until age 58 or full withdrawal, even if the account is "inoperative" after 36 months.
• For FY 2024-25, the interest rate is 8.25%, making PF a reliable long-term safety net.
• Interest earned on PF after leaving a job is taxable as 'income from other sources' if it exceeds ₹50,000; UAN linkage is crucial for consolidation and tracking.

Why It Matters: Your PF savings continue to grow with interest even after leaving a job, offering a secure financial future.