Maximize Your Retirement Security with Form 10C: Download Now from the Official EPFO Website

Last Updated : Aug. 8, 2023, 12:36 p.m.

Form 10C is an essential document that needs to be completed and submitted when claiming benefits from the Employee Pension Scheme (EPS). It is a comprehensive four-page form readily available for download on the official website of the Employee Provident Fund Organization (EPFO) in India.

It’s important to note that 8.33% of the 12% contribution deposited in your EPF account by your employer is allocated towards your pension. This allocation is a valuable safeguard for retirement, ensuring financial security. However, in situations such as prolonged unemployment or medical emergencies, it is possible to withdraw a portion of this pension amount if necessary. When required, certain benefits from your PF account can be accessed through the submission of Form 10C in EPFO.

Why is Form 10C Essential?

Your PF account is divided into two funds: EPF (Employee Provident Fund) and EPS (Employee Pension Scheme). With the assistance of Form 10C, individuals can withdraw their employer’s contribution specifically allocated to the EPS plan. This document plays a significant role in ensuring a smooth process for employees seeking to access their accumulated funds for retirement purposes.

Use Form 10C for the following:

• Employer share fund
• Member Retention Scheme Certificate
• Withdrawals

Eligibility Criteria to Submit Form 10C

The following individuals are eligible to apply for Form 10C in EPFO.

• Firstly, it includes members who left their employment before completing 10 years of service but have reached the age of 58 before completing 10 years of service.
• Secondly, individuals with at least 10 years of service at the time of their departure but who are under 50 years old when applying can also be eligible.
• Additionally, members between 50 and 58 who are not eligible for a reduced retirement benefit can submit Form 10C.
• Finally, family members, representatives, or legal heirs of individuals who passed away after reaching the age of 58 but did not complete 10 years of service can also be eligible to apply.

These eligibility criteria aim to ensure that the benefits of Form 10C are available to those who meet specific conditions and fulfil the requirements.

Downloading Form 10C

Users can easily download Form 10c for Claiming Withdrawal Benefit/Scheme Certificate from the official EPFO website. This user-friendly platform offers a convenient way to access the required document. Users can effortlessly navigate to the designated section and locate the Form 10C download option.

Filling Form 10C

To claim benefits under the Employee Retirement Plan (EPS), you must complete and submit Form 10C. It can also be done online.

Follow these steps to complete Form 10C in EPFO:

• Step 1: Visit the official EPF website .
• Step 2: Log in to the UAN member portal with your Universal Number (UAN) and password.
• Step 3: Click the “Online Services” tab in the top menu bar.
• Step 4: Select Applications 10C, 19, and 31 from the menu.
• Step 5: The website will redirect you to the next page. You will find your membership, service, and KYC details here.
• Step 6: Click the option that says continue the online application.
• Step 7: You will land on the Cleam Section. You will find details like PAN Number, Mobile Number, and UAN Number here.
• Step 8: Select your claim type – withdraw only PF or only pension.
• Step 9: Fill out the claim form correctly.
• Step 10: After completing the form, your mobile number will receive a one-time password. Type in the OTP on your form to initiate the withdrawal.
• Step 11: After completing the application, you will be informed via SMS to your registered mobile number.
• Step 12: Once the request is processed, funds will be transferred to your bank account.

Details Required to Fill the Form 10C

When filling out Form 10C, please ensure that the following particulars are accurately provided without errors, strikes, corrections, or overwriting. If any corrections are necessary, they should be attested for validity.

• Name: Write your full name as per official records.
• Aadhar Number: Provide your unique Aadhar identification number.
• Pension Number or UAN: Mention your pension or Universal Account Number ( UAN ) if applicable.
• Father’s Name or Husband’s Name: Specify the name of your father or husband, as required.
• Date of Birth: Put in your date of birth in the format DD/MM/YYYY.
• Date of Joining and Leaving: Indicate the dates of your joining and leaving the organisation or establishment.
• Enter PAN: Provide your Permanent Account Number (PAN) issued by the Income Tax Department.
• Mention Reason for Leaving: State the specific reason for leaving the job or organisation.
• Bank Account Details: Include your bank account number, branch, and IFSC code for smooth processing of any monetary transactions.

It is important to ensure accuracy and completeness while filling out the form to avoid delays or issues with the process.

Conclusion

Form 10C in EPFO is a must-submit document to attain a pension or the provident fund. It legalises the income and ensures not to add unnecessary tax liability. It helps the employees provide all the fundamental rights and payments.

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