Form 10C is a crucial document for those looking to withdraw their pension from the Employee Pension Scheme (EPS). While 12% of an employee’s salary is contributed to the EPF account, 8.33% goes towards the pension. This form allows members to withdraw their pension funds under specific circumstances, such as unemployment for over two months or a medical emergency, while maintaining membership in the Employee Pension Fund (EPF).

Who Can Apply for Form 10C?

Eligibility Requirements:

Criteria 1:

• Members who have left their job before completing 10 years of service.
• Members who have reached 58 years of age but have not completed 10 years of service.

Criteria 2:

• Members who completed 10 years of service but have not yet reached 50 years old at the time of application.
• Members aged between 50 to 58 who do not agree to a reduced pension.

Criteria 3:

• Family members, nominees, or legal heirs of a deceased member who died after turning 58 but before completing 10 years of service.

What Benefits Are Available?

Types of Benefits:

• Members under Criteria 1 and 3 can apply for withdrawal benefits.
• Members under Criteria 2 are eligible for a Scheme Certificate. If a member under Criteria 2(b) agrees to a reduced pension, they can apply using Form 10D.
• Members who left service due to permanent disablement are eligible for a disablement pension and must apply with Form 10D.

Required Documents for Form 10C

Documents Needed:

• Copy of a blank or canceled cheque
• Birth certificates of member’s children (if applying for Scheme Certificate)
• Death certificate (in case of the member’s death)
• Succession certificate (if the legal heir is applying)
• A revenue stamp of Rs.1 to be attached with the form

Advantages of the Scheme Certificate

Benefits Include:

• Previous service period is considered when taking up a new job.
• If the member doesn’t take up new employment, their family can receive a family pension if the member dies before turning 58. If the member survives, they get withdrawal benefits.

Steps to Submit Form 10C Online

Online Submission Process:

1. Visit the EPF Member e-SEWA Portal:

   • Go to the EPF e-SEWA portal.

2. Login:

   • Enter your UAN, password, and captcha code, then click ‘Sign in’.

3. Access Claim Form:

   • Click on ‘Claim Form (Form-31, 19, 10C & 10D)’ under the ‘Online Services’ menu.

4. Verify Member Details:

   • Check the auto-filled information and verify the last four digits of your bank account.

5. Consent to Proceed:

   • Click ‘Yes’ on the ‘Certificate of Undertaking’ pop-up.

6. Proceed with Online Claim:

   • Select ‘Proceed for Online Claim’.

7. Select Claim Type:

   • Choose either ‘Withdraw PF Only’ (Form 19) or ‘Withdraw Pension Only’ (Form-10C).

8. Fill Claim Form:

   • Enter the relevant details.

9. OTP Verification:

   • Enter the OTP sent to your registered mobile number and submit.

10. Confirmation SMS:

    • An SMS will be sent upon successful submission.

11. Receive Funds:

    • The requested amount will be transferred to your bank account upon processing.

Downloading Form 10C for Offline Submission

Offline Submission Process:

• Download Form 10C from the official EPFO website.
• Fill out the form and submit it to the EPFO office after attestation from your employer.

Details Required in Form 10C

Information Needed:

• Name
• UAN/Pension Number
• Aadhaar Number
• Father’s/Husband’s Name
• Date of Birth
• Date of Joining and Leaving
• PAN and Reason for Leaving
• Bank Account Details
• Full Postal Address

Ensure all details are accurate and without corrections. Any corrections should be attested.

Attestation for Offline Submission

Attestation Requirements:

• The form must be attested by both the employer and the employee.
• If the establishment is closed, the following officials can attest with their office seal:
  • Magistrate
  • Gazetted Officer
  • Post/Sub-Post Master
  • President of Village Union/Panchayat
  • Chairman/Secretary/Member of Municipal/District Local Board
  • Member of Parliament/Legislative Assembly
  • Member of Central Board of Trustees/Regional Committee of EPF
  • Bank Manager
  • Head of a recognized Educational Institution

By following these steps and ensuring all details are correct, you can successfully submit Form 10C for pension withdrawal from your EPF account. For more information or assistance, visit the EPFO website or contact your employer’s HR department.