Leaving Job? Here's How To Use Form 10C To Withdraw EPS Funds Or Get Scheme Certificate

Employee Provident Fund (EPF) is one of the most trusted retirement savings schemes for salaried employees. Out of the employer's 12% contribution, 8.33% is allocated to the Employee Pension Scheme (EPS). While this amount is primarily meant to provide financial security after retirement, it can also be accessed under certain circumstances, such as prolonged unemployment, medical emergencies, or other eligible situations. To claim EPS-related benefits while maintaining membership in the pension scheme, employees are required to submit Form 10C.

What Is Form 10C? When Should You Use It?

Form 10C is used to claim benefits under the Employee Pension Scheme (EPS) when an employee leaves a job or changes employers. It can be used in the following situations:

1. Withdrawal of EPS Balance

If you have worked for less than 10 years and are leaving your job, you can use Form 10C to withdraw the pension amount accumulated under the EPS.

2. Obtaining a Scheme Certificate

If you do not wish to withdraw your EPS balance and plan to continue your pension benefits with a future employer, you can apply for a Scheme Certificate through Form 10C. This certificate helps preserve your pensionable service and benefits for future use.

How To File Form 10C Online?

1. Visit the EPFO Member e-SEWA portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/
2. Log in using your Universal Account Number (UAN), password, and captcha code.
3. Under the Online Services menu, click on Claim (Form-31, 19, 10C & 10D).
4. On the Member Details page, verify the pre-filled information, including your name, date of birth, contact details, and bank account information. Enter the last four digits of your bank account number for verification.
5. Click Yes on the Certificate of Undertaking pop-up window to provide your consent.
6. Select Proceed for Online Claim.
7. Your details, including PAN, mobile number, and UAN, will be displayed on the next screen.
8. Choose the appropriate claim type: Withdraw PF Only (Form 19), or Withdraw Pension Only (Form 10C)
9. Fill in the required details in the claim form.
10. An OTP will be sent to your registered mobile number. Enter the OTP and submit the claim.
11. After successful submission, you will receive a confirmation SMS on your registered mobile number.
12. Once the claim is processed, the eligible amount will be credited directly to your bank account.

Documents Required For Form 10C

The following documents may be required along with Form 10C:
• Copy of a cancelled cheque or bank passbook
• Birth certificates of children (if applying for a Scheme Certificate)
• Death certificate (if the EPF member is deceased)
• Succession certificate for the legal heirs of the deceased member
• Rs 1 revenue stamp when applying for withdrawal benefits through a bank