10/10/2025
*EPF – Pension: After the Age of 58*
In the Employees’ Provident Fund (EPF) system, contributions to the Pension Fund (EPS) are required only until the age of 58.
By the time an employee turns 58, they must have completed a minimum of 10 years of service to become eligible for a pension.
If the service period is less than 10 years, the amount contributed to the Pension Fund must be withdrawn by submitting a claim.
Unfortunately, the EPF portal doesn’t always alert members about this automatically — and most of us also fail to pay attention to it.
What if someone continues working after 58?
After completing 58 years of age, no further contributions should be made to the Pension Fund (EPS). The entire employer’s share should instead go into the EPF account alone.
In earlier times, many continued contributing to the Pension Fund even after turning 58. Later, while applying for pension or withdrawal, they had to manually transfer the post-58 pension contributions to the EPF account through a separate application — only then could they receive the settlement.
Now, with the new system update, the EPF portal itself automatically alerts members upon reaching 58 years of age and prevents pension contributions beyond that point.
Let’s not question why such a digital update took a decade to implement — instead, let’s appreciate that it’s finally been done. 🙂
— R. Muniasamy,
Member,
GSTPS
