New Delhi, Aug. 9 -- If you are a salaried employee, you most likely have an EPF account, where a portion of your salary is deposited every month and your employer makes a matching contribution. Over the years, these contributions, along with interest credited by EPFO, can build a substantial retirement corpus.

Because of this, many retirees assume that if the Employees' Provident Fund (EPF) balance is left untouched after retirement, it will continue earning interest indefinitely and keep growing through the power of compounding.

However, that is not the case. EPFO follows a fixed rule on how long interest will be credited and after that period, the amount lying in the account stops earning further interest, even if you have not withdr...