# EPFO: EPF interest stops 3 years after retirement, pension rules 2026-08-08T16:10:46+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet Livemint reports that EPFO stops crediting interest on EPF balances three years after retirement, even if the corpus is not withdrawn. For those retiring at 58, interest stops at 61. The balance remains safe and can be claimed later, but no further growth occurs. Separately, the EPFO's Employees' Pension Scheme 1995 offers monthly pension to members with over 10 years of service. The formula uses average salary of the last 60 months and service years divided by 70. A member who joins at 23 and retires at 58 with the wage ceiling of Rs 15,000 receives about Rs 7,500 per month. Disability pension is available without the 10-year requirement. ## Coverage - livemint.com - livemint.com Tags: employees, EPFO, EPS-95, pension, PF withdrawal, retirement Canonical: https://indianopinion.org/epfo-pension-scheme-eligibility-calculation-and-rules-explained/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/epfo-pension-scheme-eligibility-calculation-and-rules-explained/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.