EPF Form 10C: Withdrawal of Pension Benefits from EPS

EPF Form 10C: Withdrawal of Pension Benefits from EPS

The Employees’ Pension Scheme (EPS) is a key part of the EPF benefits provided to salaried employees in India. If you leave your job before completing 10 years of service or are ineligible for monthly pension benefits, you can claim your withdrawal benefit from EPS by submitting EPF Form 10C.

This guide by IndiaLends explains what EPF Form 10C is, when to use it, how to fill it, and important compliance points.

What is EPF Form 10C?

EPF Form 10C is used to:

• Withdraw pension amount from EPS if the employee has worked for less than 10 years.
• Get a Scheme Certificate if the employee has worked for more than 10 years but hasn’t reached pensionable age (58 years).
• Transfer pension benefits when changing jobs.

When to Use EPF Form 10C?

Eligibility Criteria for EPF Form 10C

• Must be an EPF and EPS member.
• Age: Below 58 years.
• Should not have availed reduced pension (before 58 years).
• Not employed in any establishment covered under EPF at the time of claim.

Details Required in EPF Form 10C

• Name of the member.
• Date of birth.
• Father’s or husband’s name.
• Name & address of the establishment.
• PF account number.
• Date of joining & date of leaving.
• Reason for leaving service.
• Bank account details.
• Aadhaar & PAN details.

How to Fill and Submit EPF Form 10C

Documents Required

• Filled & signed Form 10C.
• Copy of Aadhaar & PAN.
• Cancelled cheque with IFSC code.
• Employer’s attestation (if applicable).

Processing Time & Payment

• Claims are usually processed within 15–30 days from submission.
• The pension withdrawal amount will be credited directly to your bank account linked to EPF.

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FAQs on EPF Form 10C

Q1. Can I submit Form 10C online without employer approval?
Yes, if your KYC is complete and approved by your employer.

Q2. Can I withdraw my EPS amount after 10 years of service?
No, after 10 years you can only get a Scheme Certificate, not a withdrawal benefit.

Q3. How many times can I withdraw EPS benefits?
Only once per EPS membership period.

Q4. Is PAN mandatory for Form 10C?
Yes, to avoid higher TDS deductions.

Q5. How do I check my Form 10C claim status?
You can track it on the EPFO claim status portal using your UAN.