An employee has a pension fund when employed with an organisation. If there is a change of employment from one organisation to another organisation, the employee can carry forward the same account for pension. However, if the employee does not find a new job, the employee may apply for withdrawal of funds. Therefore to avail the benefits but retaining the membership with Employee Pension Fund (EPF) the employee files a Form 10C.
Eligibility to Apply for Form 10C
Eligibility Criteria I
- A member who left job before the completion of 10 years of service
- A member who obtained 58 years of age before completion of 10 years of service, whether in service or having left.
Eligibility Criteria II
- A member though having completed 10 years of service, he has not attained the age of 50 years at the time of application.
- A member who is more than 50 years of age, but not exceeding 58 years, and not willing to get pension at a reduced rate.
Eligibility Criteria III
- Family members/ nominee/ legal heir of a deceased member who died after attaining the age of 58 years but with a number of completed years of service less than 10 years.
Based on the eligibility criteria discussed above, the following can be done-
- A member falling in category 1 and 3 above, shall apply for withdrawal benefits.
- A member falling in category 2 above, is eligible for Scheme Certificate only. In case of 2(b) above, if the member is willing to accept reduced pension, he is eligible to apply in Form10D.
- A member who left service on account of any permanent disablement, is eligible for disablement pension and he has to apply in Form 10D.
Benefits of Scheme Certificate
The benefits of the scheme certificate are listed below:
- Service period with the previous employer will be considered on taking up a job in a new establishment.
- In case, a member does not take up employment, his family can get a family pension, if he dies before attaining 58 years of age.
- In case, a member does not take up employment and he survives, then, he can get the withdrawal benefits.
Details required in Form 10C
- Name
- UAN/ Pension Number
- Aadhaar Number
- Father’s name/ Husband’s name
- Date of birth
- Date of joining and leaving
- PAN and reason for leaving
- Bank account details
- Full Postal Address
All the particulars are to be filled in without any strikes/ corrections/ over writing. In case of any corrections, it shall be attested.
How to initiate a claim using Form 10C online?
- Step 1: Visit the EPF member portal at https://unifiedportal-mem.epfindia.gov.in/memberinterface/.
- Step 2: Enter your UAN, password, and captcha code in the respective fields and click on ‘Sign in’ button to log into your account.
- Step 3: Click on ‘Claim Form (Form-31, 19, 10C & 10D)’ under the ‘Online Services’ menu item and select Form 10C
- Step 4: You will see the ‘Member Details’ screen with auto-filled information about your name, father’s name, date of birth, contact details, bank account details, and more. Just enter the last four digits of your bank account and verify it.
- Step 5: Give your consent to proceed further by clicking ‘Yes’ on the ‘Certificate of Undertaking’ pop-up window.
- Step 6: Select the ‘Proceed for Online Claim’ option in the screen that follows.
- Step 7: In the claims section, your details such as PAN, mobile number, and UAN will be displayed.
- Step 8: Choose the claim type ‘Withdraw Pension Only’.
- Step 9: Now, fill the claim form with the relevant details.
- Step 10: An OTP will be sent to your registered mobile number. Enter this OTP in the form and submit.
- Step 11: Upon successful submission, an SMS will be sent to your registered mobile number.
- Step 12: Upon processing, the requested amount will be transferred to your bank account.
Attestation
The application form is to be submitted through the employer, under whom the member was last employed.
If the application was downloaded from the website of epfindia, then all the pages are to be attested by both the applicant and employer.
In case of a closed establishment, whose Authorized Signatory/ Employer is not available, any of the following authorized official shall attest with his office seal:
- Magistrate
- Gazetted Officer
- Post/ Sub-Post Master
- President of Village Union
- President of the Village Panchayath, when Union Board is not present
- Chairman/ Secretary/ Member of Municipal/ District Local Board
- Member of Parliament/ Legislative Assembly
- Member of Central Board of Trustees/ Regional Committee of Employee’s Provident Fund
- Manager of the Bank in which Savings Bank account is maintained
- Head of any recognized Educational Institution
Documents to be attached
- Copy of blank/cancelled cheque
- Date of birth certificate cheque of children of the member, if applying for Scheme Certificate
- In case of death of the member, then member’s death certificate
- Succession certificate, in case application is made by the legal heir
- Revenue stamp of Rs.1 to be attached with the form .
CAclubindia
