Can't Manually Deposit PF After Job Loss? Understand the 36-Month Rule & Options

• You cannot manually deposit money into your EPF account after leaving a job; contributions are employment-linked.
• EPF accounts remain active and earn interest for 36 months (three years) from the last contribution date.
• After 36 months without new contributions, the account becomes inoperative, but still earns interest.
• Unemployed individuals can withdraw up to 75% of PF balance after one month and 100% after two months.
• Alternatives for retirement savings include PPF, NPS, or Mutual Fund SIPs if not employed.