Form 10C

What is Form 10C?

Form 10C is an Employees’ Provident Fund Organisation (EPFO) form used to claim benefits under the Employee Pension Scheme (EPS). Employees who leave their job before completing pensionable service or before reaching retirement age can use this form to withdraw pension contributions or obtain a scheme certificate.

Form 10C is commonly filed when an employee changes jobs, leaves employment, or wants to transfer pension benefits for future use.

Who is Eligible for Form 10C?

An employee can apply for Form 10C if they meet the following conditions:

• They are a member of the Employee Pension Scheme (EPS)
• Their age is below 58 years
• They have left employment before completing 10 years of service
• They have completed at least 6 months of service
• They have not yet claimed pension benefits under EPS

Employees with more than 10 years of service are generally eligible for a Scheme Certificate instead of pension withdrawal.

What Benefits Can You Claim with Form 10C?

Form 10C allows employees to claim:

• Withdrawal benefit from the Employee Pension Scheme (EPS)
• Scheme Certificate for retaining pension benefits
• Pension transfer benefits when changing jobs
• Family pension-related benefits in eligible cases

The form helps employees preserve or withdraw pension contributions accumulated during employment.

Types of Claims Under Form 10C

1. Withdrawal Benefit

Employees with less than 10 years of eligible service can withdraw the EPS amount accumulated in their pension account.

2. Scheme Certificate

Employees with more than 10 years of service but below retirement age can apply for a Scheme Certificate. This certificate helps carry forward pensionable service to future employment.

3. Retention of Pension Benefits

The Scheme Certificate also helps employees retain pension benefits until retirement age.

What Documents Are Required for Form 10C?

The following documents are generally required while filing Form 10C:

• Aadhaar Card
• PAN Card
• Bank account details linked with UAN
• Cancelled cheque
• UAN (Universal Account Number)
• Date of joining and leaving employment
• Employer details
• Scheme Certificate details (if applicable)

Ensure that KYC details are updated and verified on the EPFO portal before applying.

How to Download and Fill Form 10C (Step-by-Step)?

Step 1: Visit the EPFO Portal

Go to the official EPFO member portal.

Step 2: Login Using UAN

Enter your UAN, password, and captcha details.

Step 3: Navigate to Online Services

Click on “Online Services” and select “Claim (Form-31, 19 & 10C).”

Step 4: Verify Member Details

Confirm your bank account and KYC information.

Step 5: Select Form 10C

Choose “Only Pension Withdrawal (Form 10C)” from the claim options.

Step 6: Submit the Claim

Upload required details and authenticate using OTP linked to Aadhaar.

Step 7: Track Claim Status

You can track the claim status directly from the EPFO portal.

How to Fill Out Form 10C?

When filling out Form 10C, you need to provide:

• Name of the member
• Father’s or husband’s name
• UAN and PF account number
• Date of birth
• Date of joining and leaving
• Reason for leaving employment
• Full postal address
• Bank account details
• Aadhaar details
• Scheme Certificate preference (if applicable)

Double-check all information before submission to avoid rejection or delays.

Form 10C vs Form 19 vs Form 10D

Form 19 deals with PF balance withdrawal, while Form 10C focuses on pension benefits under EPS.

Common Issues or Rejection Reasons

Form 10C claims may get delayed or rejected due to:

• Incorrect bank details
• Aadhaar not linked with UAN
• KYC mismatch
• Incomplete service details
• Employer verification pending
• Date mismatch in EPFO records
• Multiple UAN accounts
• Signature mismatch

Employees should verify all EPFO records before applying.

FAQs on Form 10C

• What is Form 10C used for?

Form 10C is used to claim Employee Pension Scheme (EPS) withdrawal benefits or obtain a Scheme Certificate after leaving employment.

• Can I withdraw full pension using Form 10C?

No. Form 10C only allows withdrawal of EPS benefits under eligible conditions. Monthly pension benefits are claimed using Form 10D.

• Is Form 10C online or offline?

Form 10C can be submitted both online through the EPFO portal and offline through the employer or EPFO office.

• How long does Form 10C take to settle?

Generally, Form 10C claims are settled within 20 to 30 working days, depending on verification and documentation.

• What is the difference between Form 10C and Form 19?

Form 10C is used for pension-related claims under EPS, while Form 19 is used to withdraw the Provident Fund balance.

• Who cannot apply for Form 10C?

Employees above 58 years of age or those already eligible for monthly pension benefits under EPS cannot apply for Form 10C withdrawal benefits.

• Can I claim both Form 19 and 10C?

Yes. Employees can claim both forms simultaneously — Form 19 for PF withdrawal and Form 10C for pension withdrawal benefits.

• Can I withdraw full PF amount with Form 10C?

No. Form 10C only covers pension contributions under EPS. PF balance withdrawal requires Form 19.

• How many days will the 10C claim settle?

Most Form 10C claims are processed within 20–30 days after successful submission and verification.

• What is the settlement time for PF Form 10C?

The average settlement time is around 2 to 4 weeks, depending on EPFO processing timelines.