EPF Form 10C

EPF Form 10C allows employees to withdraw or transfer their pension fund, ensuring financial security during job changes or retirement.
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EPF Form 10C
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4 mins
09-December-2024

The Employees’ Provident Fund (EPF) is a retirement benefits scheme that is available to all salaried employees in India, managed by the Employees’ Provident Fund Organisation (EPFO). One of the forms that is used in the EPF scheme is Form 10C. In this article, we will discuss what is Form 10C its benefits, eligibility criteria, how to download it, how to fill it, and the documents required.

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What is Form 10C?

The Employee Provident Fund (EPF) scheme presents a valuable retirement savings option for salaried individuals. Employer contributions to the EPF are divided into two components: the EPF account and the Employee Pension Scheme (EPS). The EPS is a dedicated pension account funded solely by employer contributions. To claim benefits from your EPS account, you can utilise Form 10C. This form can be submitted either in person at your nearest EPFO branch or electronically through their website.

When to use Form 10C?

Form 10C serves as the official claim form for various purposes related to your Employee Pension Scheme (EPS) account. It facilitates the processing of the following requests:

  1. Employer contribution refund: If you are no longer employed and have not completed ten years of service, you may be eligible to claim a refund of your employer's contributions to your EPS account.
  2. Scheme certificate: This document serves as verification of your membership and accumulated service within the EPS. It is crucial if you wish to transfer your EPS benefits to a new employer who also participates in the scheme.
  3. Withdrawal of EPS balance: Under specific circumstances, Form 10C allows you to initiate a claim for the withdrawal of your accumulated EPS balance. This may be applicable if you meet the eligibility criteria for early withdrawal.

Please note: The current version of the EPFO claim process may utilize a composite claim form instead of separate forms like the 10C. It's advisable to consult the EPFO website for the latest claim procedures.

Reasons why an employee need to fill out Form 10C

  1. To Update Personal Information: Employees can use Form 10C to update their personal information like name, address, date of birth, etc., ensuring accurate record-keeping.
  2. To Claim PF Benefits: Filling out Form 10C is crucial for claiming benefits like pension, withdrawal, and transfer. Accurate information ensures smooth processing of claims.
  3. To Ensure Correct PF Contributions: By providing correct details, employees can ensure that their employer is making the right contributions to their EPF account.
  4. To Avoid Delays in Claim Processing: Incomplete or inaccurate information can lead to delays in processing PF claims.
  5. To Enable Seamless Transfer of PF: When an employee switches jobs, accurate information in Form 10C facilitates a smooth transfer of their PF balance to the new employer's account.
  6. For EPS Benefits: Form 10C is essential for availing benefits under the Employee Pension Scheme (EPS), which provides a pension after retirement.

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How to fill Form 10C online?

Employees' Provident Fund (EPF) account holders can fill Form 10C online or offline to claim various benefits. Here's a simplified guide for online submission:

  • Step 1: Login: Access the EPF member portal using your UAN and password.
  • Step 2: Online Services: Navigate to "Online Services" and select "Claim (Form 31, 19, and 10C)."
  • Step 3: Verify Bank: Enter the last 4 digits of your bank account and click "Verify."
  • Step 4: Agreement: Sign the "Certificate of Undertaking" and confirm your agreement.
  • Step 5: Claim Selection: Choose "Only Pension Withdrawal (Form 10C)."
  • Step 6: Address & Aadhaar: Enter your complete address and click "Get Aadhaar OTP."
  • Step 7: OTP & Submission: Enter the OTP received on your Aadhaar-registered mobile number and click "Validate OTP and Submit Claim Form."

Upon successful submission, your Form 10C will be processed, and funds will be disbursed to your bank account after EPFO verification.

Benefits of Form 10C

Scheme certificate

If you have worked for over 9.5 years and are under 50 years old, you can obtain a scheme certificate. This certificate preserves your past service record when you switch jobs, even between different organisations.

Withdrawal benefit

If you have worked for less than 9.5 years and are under 50, you can apply for a Withdrawal Benefit. This allows you to access your pension funds since you do not yet qualify for a pension.

Note: Withdrawal Benefit is not applicable if you have been a member for less than 180 days (excluding any non-contributing period).

Eligibility to apply for Form 10C

The eligibility criteria for the three types of members are illustrated in the table below.

Sr No.

Eligibility criteria I

Eligibility criteria II

Eligibility criteria III

1

If you have left your job before completing 10 years of service

If you have completed 10 years of service when leaving your job but are under 50 at the time of applying

Family /nominee/legal heir of a member who passed away after turning 58 before completing 10 years of service.

2

If you turned 58 before completing 10 years of service

If you are between the age of 50 to 58 years and do not want a reduced pension

-

How to download EPF Form 10C?

Form 10C can be downloaded from the official website of the EPFO. Here are the steps to download Form 10C:

  1. Go to the official website of the EPFO.
  2. Click on the ‘Downloads’ tab.
  3. Click on the "Claim Forms" option.
  4. Click on the ‘Form 10C’ option.
  5. The form will be downloaded in PDF format.

Also read: What is Form 10E

Documents required

The following documents are required to be submitted along with Form 10C:

  • A copy of blank or cancelled cheque
  • Birth certificate of children (for scheme certificate applications)
  • Member's death certificate (in case the member passes away)
  • Succession certificate for legal heirs
  • Rs. 1 stamp (if applying for withdrawal benefit through a bank)

Attestation procedures

PF Form 10C attestation depends on the situation and can be done by either the employer or both (employer and employee). The requirements vary based on different cases.

Case

Attestation requirement

If an individual applies using a form obtained from a center

Needs to be attested by the employer of the previous establishment

If the individual downloads EPF Form 10C online

Needs to be attested by both the employers and employees

If the previous establishment is a closed organisation

Attestation can be done by officials such as a Magistrate, Postmaster, Chairman or Secretary of District Local Board, Gazetted Officer, Bank manager related to the individual’s savings account, or President of Village Union or Panchayat.


Also read: PF Transfer Form

Contents in EPF Form 10C

The EPF Form 10C typically includes the following fields:

  • Claimant's name
  • Date of birth
  • Father's name
  • Husband's name (in case of married women)
  • Address and the company's name where the member worked before retirement
  • Region code, establishment code of last company, and individual PF account number
  • Joining date in the previous establishment
  • Reason and date of leaving service
  • Claimant's complete address
  • Preference for a scheme certificate instead of withdrawal benefits
  • Family details, including spouse (if any) and children (if any) and nominee
  • In the case of a deceased member, the date of death, the applicant's name, and their relationship with the late member
  • Mode of remittance: (1). Postal Money Order or (2). Cheque or electronic payment

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Conclusion

Form 10C is a key to unlocking pension benefits in the Employees’ Provident Fund (EPS) framework. This article aims to educate on the process of availing pension and covers eligibility criteria, the online filing process, and pension withdrawals. With this knowledge, you can confidently approach the Form 10C withdrawal process.

Also read below articles related to EPF

Frequently asked questions

Should I visit the PF office if I apply to withdraw the amount online?

No, you do not need to visit the PF office if you have applied to withdraw the amount online. You can initiate the claim using Form 10C online by visiting the EPF member e-SEWA portal.

Is it compulsory to fill out Form 10C each time I change jobs?

No, it is not compulsory to fill out Form 10C each time you change jobs. However, if you want to transfer the same EPS account to your new employer, you can use Form 10C to do so.

What is an EPS scheme certificate?

An EPS scheme certificate is a document that shows the amount of pension that a member is entitled to. The scheme certificate can be used to transfer the service period of the member to another establishment.

How long does Form 10C take to process?

The processing time for Form 10C varies depending on the circumstances. However, it usually takes around 5-30 days to process the form.

Is form 10C filled for pension withdrawal?

Yes, Form 10C is typically filled for pension withdrawal from the Employee Provident Fund (EPF) account.

Why is form 10C rejected?

Form 10C may be rejected due to incomplete or inaccurate information, mismatched details with records, or failure to meet eligibility criteria. It's crucial to ensure all required fields are correctly filled and supporting documents are provided accurately.

What is the Form 10C deduction?

There is not actually a deduction associated with Form 10C. It is a form used to claim benefits from the Employee Pension Scheme (EPS) in India, which is part of your Employee Provident Fund (EPF).

What is form 10C of EPF?

Form 10C is a document provided by the Employees' Provident Fund Organisation (EPFO) that allows members to claim various benefits from their EPF account. These benefits can include:

  • Scheme Certificate: This document serves as proof of your past service record and is particularly helpful when switching jobs between different organizations, especially if you've worked for more than 9.5 years and are under 50 years old.
  • Withdrawal Benefit: If you haven't completed 9.5 years of service and are under 50, you can use Form 10C to claim your pension contributions. Note: This benefit is not applicable if your membership is less than 180 days (excluding non-contributing periods).

How many days PF claim form 10C settlement?

The typical processing time for a complete and verified Form 10C claim is around 20 days. However, it's important to note that this is an estimate and actual processing times can vary depending on factors like the specific EPFO office handling the claim, the complexity of the case, and any additional verification required.

Who is eligible for Form 10C?

Eligibility

Description

Scheme Certificate

Available to members under 50 years old with more than 9.5 years of service.

Withdrawal Benefit

Available to members under 50 years old with less than 9.5 years of service.


Note: Withdrawal Benefit is not applicable for memberships less than 180 days (excluding non-contributing periods).

What happens if 10C is rejected?

Here is what happens if form 10C is rejected

Rejection

Possible Reason

Action

Form 10C Rejection

Incomplete or inaccurate information

Review your application, rectify any errors, and resubmit the form.

EPF Claim Rejection

Form 10C rejection or other verification issues

Contact your EPFO office for clarification and guidance on resolving the issue.
Why is form 10C used?

Purpose

Description

Scheme Certificate

Obtains a document preserving your service record when switching jobs (for those under 50 with more than 9.5 years of service).

Withdrawal Benefit

Claims your accumulated pension contributions if you haven't completed 9.5 years of service and are under 50.

Employer Share Refund

(Not directly mentioned in the reference content, but commonly used with Form 10C) Requests a refund of your employer's contributions (applicable in specific situations).
How do I claim 10C online?

Step

Description

Login

Access the EPF member portal with your UAN and password.

Online Services

Navigate to "Online Services" and select "Claim (Form 31, 19 and 10C)."

Bank Verification

Enter the last 4 digits of your bank account and click "Verify."

Agreement

Sign the "Certificate of Undertaking" and agree to the terms and conditions.

Claim Selection

Choose "Only Pension Withdrawal (Form 10C)" (or other claim type).

Address & Aadhaar

Enter your complete address and click "Get Aadhaar OTP."

OTP & Submission

Enter the OTP received on your Aadhaar-registered mobile number and click "Validate OTP and Submit Claim Form."
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