Will I Lose Employer's PF Contribution If I Resign Before 6 Months? Seeking Clarity

Query on Provident Fund Contributions

I have been working with an organization for about 5 months, and my last day is 3 days before I complete 6 months. I know I can transfer my entire PF amount if I join a company that provides PF. However, I am in the non-profit sector, and not all organizations offer PF.

I have been told that I will lose the amount that the employer contributes to PF if I leave before 6 months. Is this true? Also, let's say I don't withdraw my PF money right now and withdraw it after retirement, will I still lose the contribution from the employer?

Just to make it clear, my next few jobs may not have PF; therefore, transferring my PF amount may not be a possibility.

Thanks

In India, as per the Employees' Provident Funds and Miscellaneous Provisions Act, 1952, if an employee resigns before completing 6 months of continuous service, the employer's contribution to the Employee Provident Fund (EPF) is not payable to the employee. This means that if you leave your current organization before completing 6 months, you will not receive the employer's contribution portion of the PF amount.

Regarding withdrawing your PF after retirement, the employer's contribution will not be forfeited in that scenario. The employer's contribution remains a part of your PF account and can be withdrawn along with your contributions and interest after retirement.

Given your situation where your future jobs may not offer PF, it's important to consider the implications of withdrawing your PF prematurely. If you anticipate not having PF in your future roles, you may want to explore options like transferring your PF to a personal retirement account or investing it in other retirement savings instruments to ensure financial security in the long term.