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Employee provident fund: The central government has fixed an annual interest rate of 8.25 percent on the Employees Provident Fund (EPF) for the financial year 2024-25. This interest is deposited in your account once a year by adding this interest on the closing balance of the account every month. But, if your EPAF account remains inactive for 36 months in a row, that is, there is no deposit or withdrawal in that account, then interest will be stopped on that account. EPFO posted it on social media and made it clear on 27 August 2025.

According to EPFO, an account is considered to be inactive when there is no transaction for three years except interest credit. The most important thing is that after retirement, the EPF account remains active for only 3 years.

Understand this example

That is, after retiring at the age of 55, your account will continue to earn interest till the age of 58, after that he will not be active. In such a situation, if you have changed the job, then it is necessary to get an old account transfer by opening a new EPF account. On the other hand, if you are not doing a job at the moment, it would be better to take out EPF funds in time, so that your fund does not become Nactive.

EPFO has given advice to members

The Employees Provident Fund Organization has clearly stated on its official social media channel that if your EPF account is more than 36 months inactive, then it becomes inoperative and will not get any interest on it. Therefore, employed members have been advised to transfer their old EPF account to the new EPF account immediately. And those who are not working right now, start the process of extracting their EPF funds so that there is no loss of interest.

EPFO 3.0 will be launched soon

EPFO is going to launch its digital platform EPFO ​​3.0 soon. This new service was earlier to be launched in June 2025, but it was delayed due to technical reasons. EPFO 3.0 aims to intensify claim processing and users Upi To provide new digital facilities like EPF withdrawn directly through. For this project EPFO The three major IT companies have shortlisted Infosys, TCS and Wipro which will help in its implementation, operation and maintenance.