Understanding PF: How Long Can You Keep It After Leaving a Job and When Can You Withdraw While Employed?

Post-Employment PF Retention

1. After leaving the company, how long can I keep my PF amount with the government?

PF Withdrawal While Employed

2. Under what circumstances is PF withdrawal allowed while still working?

You can keep the account up to your 58 years, with the assumption of joining another PF-providing organization at any point in time. However, note that more than 3 years of inoperative accounts will not accrue interest. It will then be a waste to keep the money idle. PF can be withdrawn under various circumstances after 5 years of contributory services in general; for some special cases, mandatory services are not required. It is an advance, not a loan. Please refer to the attached file for details.

With warm regards,

S. Sethupathy
Excellent HR Services
Erode
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