25 February 2011
In my opinion, you can keep & continue the epf account even after your retirement. but, recently the PF deptt has come up with a view that the interest payments will be ceased after the continuation of 3 years of non-contribution in any pf account. So its always advisable to either withdraw it or to transfer in some other EPF Account.
Further, EPF & PPF are separate accounts & cannot be merged.