After retirement the Employees’ Provident Fund (EPF) delivers financial security to employees who work under the scheme. The essential documentation related to EPF includes EPF Form 10C which enables workers to receive pension benefits from the Employee Pension Scheme (EPS), 1995. The specific form caters best to workers who move on from their employment before reaching the milestone of ten years.
This guide by SBI life insurance combines essential details about how EPF Form 10C operates together with its proper use criteria and step-by-step filling instructions for employees.
What Is EPF Form 10C?
The Employee Provident Fund utilizes Form 10C as an essential document for employees to execute certain functions.
The pension fund will give early retirement to those employees who finished their service before 10 years.
EPF scheme certificate becomes available to workers who passed ten years of work but do not qualify for pension benefits.
The EPS 1995 provides benefits to employees through pension benefit claiming.
Employees benefit from this form because it allows them to secure pension benefits for future use or withdraw their contributions depending on their circumstances.
Who Can Submit EPF Form 10C?
Everyone who fulfils any one of these requirements can submit the EPF Form 10C:
- The total service period for you does not exceed 10 years.
- The form is available for workers who fall between 50 and 58 years of age while seeking reduced pension payments.
- The EPF Form 10C is appropriate if you quit your current employment position without intending to move your EPF savings to a different workplace.
- The purpose of submitting EPF Form 10C is to receive a Scheme Certificate that will benefit your future pension claims.
The withdrawal of your pension is restricted after serving 10 or more years of employment yet you remain eligible to request the Scheme Certificate.
How to Fill EPF Form 10C?
Understanding each step for Form 10C completion leads to an easy process.
Step 1: Download the Form
The EPFO official website allows you to get EPF Form 10C either directly from their site or through their Unified Member Portal online service.
Step 2: Provide Personal Details
Complete the form by entering your personal information including name and father/spouse name and birth date and PF account number.
Step 3: Mention Employment Details
Ensure to provide the employment information by entering your joining and last working dates and service duration.
Step 4: Choose Claim Type
You should pick withdrawal benefit if you are eligible or Scheme Certificate otherwise.
Step 5: Provide Bank Details
For direct bank transfer you must include your cancelled cheque and insert both your bank account number and the IFSC to complete this step.
Step 6: Sign & Submit
Complete the form by signing it before sending the required documents either to your employer or at the EPFO office.
Documents Required for EPF Form 10C
Your submission of EPF Form 10C requires you to provide three required attachments.
📌Aadhaar Card (for identity verification)
📌 Bank Account Details (Cancelled cheque with IFSC code)
You must provide PAN details in case the tax officials determine TDS applicable.
📌 Service Certificate (if available)
📌 EPS Scheme Certificate (if applicable)
Common Mistakes to Avoid
❌Incorrect entries of PF account information together with bank data can occur during application submission.
❌The requirement of attaching a cancelled cheque with bank IFSC code gets missed.
❌ Failure to obtain the required signature from the employer occurs when submitting the records.
❌Selecting the wrong claim option (Withdrawal vs. Scheme Certificate).
Users can monitor their EPF Form 10C status through which steps?
- Users can monitor their claim status after completing form submission.
- Users can visit the EPFO member portal to check “Track Claim Status” from their online interface.
- Two methods exist for tracking EPFO services: dial the free telephone number 1800-118-005 or visit any nearby EPFO facility.
