Which provident form one needs to fill to claim, withdraw or transfer EPF in India?

One of the most tax friendly retirement tool is the Employee Provident Fund (EPF). It gives a tax benefit and if an employee withdraws EPF amount after working for 5 consecutive years then the withdrawal is totally exempted from tax.

In order to claim or withdraw your EPF amount you need to fill the specific provident forms. Get an idea on which form to fill depending on your need.

1. To take loan or settling EPF amount after leaving job:

* Need loan or advance from the balance - EPF form 31.

* Job change (to other company) - EPF form 13.

* Left job, need settlement of EPF account - EPF form 19.

2. Forms to fill if you want to settle pension after leaving job:

If you are above 58 years of age:

* Completed 10 years of service - Pension form 10D.

* Did not complete 10 years of service - Form 10C for Pension Fund Scheme Cerification.

If your age is between 50 -58 years of age :

* Completed 10 years of service - Form 10D for Reduced Pension or form 10C for Pension Fund Scheme Certificate.

* Did not complete 10 years of service - Form 10 C for Pension Fund Scheme Certificate or withdrawal benefit.

If you are below 50 years of age:

* Completed 10 years of service - Form 10C for Pension Fund Scheme Certificate.

* Did not complete 10 years of service - Form 10C for Pension Fund Scheme Certificate or withdrawal benefit.

3. Left job due to disability

* For the settlement of pension amount - EPF Form 19.

Age below 58 years - EPF form 10D.

* Age below 58 years and completed 10 years of service - Pension form 10D for monthly member pension.

* Age below 58 years and not completed 10 years of service - Pension form 10C Pension Fund Withdrawal Benefit.

4. On the death of the PF account holder :

* Died while in service - Form 20 for PF settlement, Form 10D for Monthly Pension and Form 51F EDLI insurance.

* Died while not on service - Form 20 for PF settlement and Form 10D for Monthly Pension.

Age is above 58 years,

* Died while in service completing 10 years: Form 20 for PF settlement, Form 10D for Monthly Pension and Form 51F EDLI insurance.

* Died while in service but not completed 10 service years - Form 20 for PF settlement, Form 10C for Pension Withdrawal Benefit and Form 51F EDLI insurance.

* Died while away from service and completed 10 service years - Form 20 for PF settlement and Form 10D for Pension.

* Died while away from service but not completed 10 service years - Form 20 for PF settlement and Form 10C for Pension Withdrawal Benefit.

Conclusion

If you want to transfer, withdraw or claim your EPF amount then check which form you need to fill first. If you end up filing the wrong form then your claim will be rejected.

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