Form 10C is a form that should be filled and submitted when claiming benefits under the Employee Pension Scheme (EPS). Every month a part of the overall PF contributions is segmented into the Employee Pension Scheme, and this section of the proceeds from your PF account can be withdrawn using Form 10C.
Form 10C can be filed both online and offline. These are the steps needed to follow to file the online form, post visiting the official website of Employees’ Provident Fund –
Step 1 – Scroll down to the Employers Portal tab and click on it.
Step 2 – In the next page, enter your UAN number and password in the Username and password section.
Step 3 – Select the tab “Online Services” from the menu bar at the top.
Step 4 – Click on ‘Claim Form 10C, 19, and 31’ from the dropdown menu.
Step 5 – Check your employment, KYC, and member details on the next page.
Step 6 – Enter the last 4 digits of your registered bank account for verification.
Step 7 – Agree to the terms and conditions of “Certificate of Undertaking”.
Step 8 – Go to the bottom of the next page and click on the “I want to apply for” and select “Only Pension Withdrawal Form 10C”.
Step 9 – Select the “Get Aadhaar OTP” button after entering your address.
Step 10 – You will receive an OTP which you need to put in your form and click on “Validate OTP and Submit Claim Form”.
After completion of the EPF withdrawal form 10C filing process, you will receive an SMS notifying the same. The accumulated amount will be transferred to your registered bank account within a few days.
The benefits of Form 10C are available to three sets of members who fulfil specific eligibility criteria. For member type 1, the eligibility criteria are mentioned as follows –
- An individual resigned from his job before completing 10 years of service.
- An individual turned 58 years, before completing 10 years of service.
The benefit available to this set of members is –
- He/she can avail PF withdrawal post-filing Form 10C their EPF before permanent retirement.
The eligibility criteria for member type 2 to apply for EPF Form 10C are –
- Individuals who have fulfilled 10 years of service before turning 50 years.
- Individuals who are above 50 years and below 58 years.
Benefits available to such a member are –
- An individual fulfilling both the criteria is entitled to receive a scheme certificate.
- An individual meeting only the ‘b’ criteria can withdraw a reduced pension after filing Form 10D.
The eligibility criteria for member type 3 is –
- If the individual is a legal heir or nominee of a deceased member, past the age of 58 without completing 10 years of service.
The benefit to such members is –
- The individual can avail withdrawal benefits after filing EPF Form 10C.
If any member has retired service due to some bodily impairment, he/she can also withdraw his EPS under disablement pension after filing Form 10D.
The Scheme Certificate, which will be provided to Member Type 2, also has certain benefits to it. These are –
- It acts as proof of the years of service of an employee.
- The individual can avail EPF withdrawal using Form 10C if that individual is unable to find employment after retiring from their previous job.
- In case, the member dies before 58 years of age, family members or legal nominee of the individual can withdraw the amount from EPS account.
The eligibility criteria of the 3 kinds of members are demonstrated in the following table
| Member 1 | Member 2 | Member 3 |
| Did not complete 10 years of service. | Completed 10 years of service before turning 50 years. | Legal heir or nominee of a deceased member, who was past the age of 58 and could not complete 10 years of service. |
| Turned 58 years before completing 10 years of service | Is above 50 years of age but less than 58 years. |
An individual is not eligible to receive any benefits if he/she is only a member for less than 180 days.
All members of the EPS scheme satisfying the below mentioned criteria can apply:
- A person who has left employment before completion of 10 years and who has attained 58 years of age before completion of 10 years of service.
- A person who has completed 10 years in service and not attained 50 years of age, or a member who is between 50 to 58 years of age and is unwilling to settle with reduced pension.
- Family/nominee of a member who died before completing 10 years of service and was more than 58 years at the time of death.
This form is to be used to claim any of the following:
- Employer share refund
- Scheme certificate for member retention
- Withdrawal benefit
These benefits can be explained as:
- Scheme Certificate: This certificate can be claimed when the overall period of service of an employee is more than 9.5 years and he/she hasn’t reached 50 years of age as of application date. The scheme certificate allows a member to carry forward his earlier service period when he rejoins as an employee in the same or different organization. A member can withdraw their PF accumulations while availing a scheme certificate.
- Withdrawal Benefit: This certificate is issued to applicants who have been in service for less than 9.5 years and he/she hasn’t touched 50 years of age as of application date. The scheme allows for pension fund money back as the employees aren’t yet entitled for pension. Withdrawal benefit is not applicable when the membership is less than 180 days excluding the non-contributing period.
ATTESTATION OF CLAIM FORM
The application should be submitted through the employer under whom the member was last
employed. In case the claim is through a form downloaded from the epfindia website, all pages
should be signed by the claimant as well as the employer.
In case of a closed establishment whose Authorised Signatory/Employer is not available, the
claimant may forward the claims duly signed in the presence of any of the following authorized
official and got attested over his official seal.
Magistrate/ Gazetted Officer/Post or Sub-Post Master/President of Village Union/ President of
the Village Panchayat where there is no Union Board/Chairman or Secretary or Member of the
Municipal or District Local Board/Member of Parliament/Legislative Assembly/Member of
Central Board of Trustees/Regional Committee of Employees’ Provident Fund/Manager of the
Bank in which the Saving Bank Account is maintained/Head of any recognized educational
Institution.
DOCUMENTS TO BE ATTACHED
1. Copy of blank/cancelled cheque
2. Date of Birth Certificates of children of member, if applying for Scheme Certificate
3. Death Certificate of member in case of death of member
4. Succession Certificate in case of application by the legal heir after death of member
5. Affix Re 1 stamp if opted for payment of Withdrawal Benefit through Bank.
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Posted by Ramesh Kumar Gupta