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Switched careers and stopped EPF contributions? Know what happens to your PF and pension
Mint 1 hr ago·6 Sept 2026, 7:09 am
Employees' Provident Fund (EPF) is a key retirement savings scheme in India. If you leave a job and stop contributing to it, your account remains active. You can continue to manage it online, withdraw the balance after two years of unemployment, or transfer it to a new employer. The government also provides a pension under the Employees' Pension Scheme (EPS) for those with at least 10 years of service.
This matters to investors because EPF offers a safe, tax-free return, often higher than bank fixed deposits. Leaving it idle or withdrawing it prematurely can reduce your long-term retirement corpus. To maximize benefits, it is advisable to keep the account active or transfer the funds to a new job rather than withdrawing them.
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