EPF Form 10C

Left your job before completing 10 years of service? Use Form 10C to unlock your EPS benefits and secure your financial future. Here’s a step-by-step guide to get started.
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EPF Form 10C
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4 mins
11-September-2025

Form 10C is used by employees to either withdraw their pension amount prematurely or to obtain a scheme certificate. Out of the 12% contribution made to the EPF account, 8.33% is allocated to the Employees’ Pension Scheme (EPS). While this portion is primarily meant for retirement, it can be withdrawn under certain circumstances such as unemployment for over two months, medical emergencies, and other critical needs. By submitting Form 10C, employees can access these benefits while still retaining their membership in the Employees’ Pension Fund (EPF).

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What is Form 10C?

Form 10C is an official EPFO claim form used to withdraw or transfer benefits under the Employees' Pension Scheme (EPS). Out of the 12% contribution made by an employee to EPF, 8.33% goes to EPS. Form 10C enables eligible individuals to:

  •  Withdraw pension funds (if service is under 10 years)
  •  Apply for a scheme certificate (to retain service history for future pension)
  •  Initiate pension benefits for family/legal heirs in case of a member's demise

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By proceeding, you agree to our Terms and Conditions

When to use Form 10C?

You can use Form 10C in the following situations:

  • Less than 10 years of service? Apply for EPS withdrawal.
  • Completed 10 years but under 50 years of age? Claim a scheme certificate.
  • Switched jobs? Use Form 10C to preserve your pensionable service.
  • Legal heir of deceased member (before 10 years of service)? File to claim pension benefits.

Note: The EPFO has introduced a composite claim form that combines Form 10C functions. Check the EPFO portal for updates.

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How to fill Form 10C online

Filing online is quick and paperless. Here’s how:

  1. Log in to the EPFO portal with your UAN and password

  2. Go to Online Services > Claim (Form 31, 19 & 10C)

  3. Enter the last 4 digits of your bank account, click Verify

  4. Agree to the Certificate of Undertaking

  5. Choose "Only Pension Withdrawal (Form 10C)"

  6. Enter your full address and click Get Aadhaar OTP

  7. Submit the OTP and complete the claim process

The amount will be credited to your bank account once approved.

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Eligibility to apply for Form 10C

Criteria 1

  • Members who leave employment before completing 10 years of service.
  • Members who reach the age of 58 without completing 10 years of service.

Criteria 2

  • Members who have completed 10 years of service at the time of leaving but are below 50 years when filing the application.
  • Members between 50 and 58 years who do not wish to opt for a reduced pension.

Criteria 3

  • Family members, nominees, or legal heirs of a member who passed away after the age of 58 but before completing 10 years of service.

Documents required with Form 10C

  • A cancelled cheque
  • Birth certificates (for scheme certificate claims)
  • Death certificate of member (if applicable)
  • Legal succession certificate (if claiming as legal heir)
  • Rs. 1 revenue stamp (for manual withdrawal form)

Key benefits of Form 10C

  • Scheme Certificate - Ideal for employees who’ve worked 9.5+ years but are not eligible for pension yet. It retains your EPS history for future claims.
  • Withdrawal Benefit - If you’ve worked for less than 10 years and are under 50, you can withdraw your EPS contributions—but only if your membership has lasted over 180 days.
  • Family Benefits - If the member passes away before completing 10 years, the family or nominee can file Form 10C to claim eligible benefits.

Also Read: What is Form 10E

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Who can apply?

Eligibility Criteria I Eligibility Criteria II Eligibility Criteria III
Left job before 10 years Completed 10 years but under 50 Legal heir if member passed away after 58 but before 10 year
Turned 58 before 10 years Between 50–58 years and opt out of reduced pension -

 

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Attestation rules for Form 10C

Attestation requirements vary depending on how you obtained the form:

Case Attestation Required
Downloaded online Signature from both employee and employer
Collected from center Employer’s attestation
Establishment is closed Attestation from Magistrate, Bank Manager, Gazetted Officer, or Panchayat Head

 

Where to download Form 10C?

You can download Form 10C directly from the EPFO Downloads page:

1. Go to the EPFO website

2. Click on Downloads > Claim Forms

3. Select Form 10C (Withdrawal/Certificate)

4. The PDF will begin downloading

Contents of Form 10C

  • Full name, DOB, father/spouse name

  • Establishment code and PF number

  • Date of joining and leaving

  • Scheme certificate preference

  • Address and family details

  • Deceased member information (if applicable)

  • Bank account details for payout

Also Read: PF Transfer Form

Conclusion

Whether you’re transitioning careers or exiting early, Form 10C is your gateway to unlocking EPS pension benefits. It ensures your contributions are not lost and your service history is preserved for future pension eligibility. Submitting the form—either online or offline—is straightforward with the right documents and details.

And while your pension claim is being processed, consider Fixed Deposits from Bajaj Finance as a stable, high-interest investment option to keep your money growing. Together, EPF and FD can create a strong financial foundation for your future.

Also read below articles related to EPF

Frequently asked questions

What is Scheme Certificate form 10C?

Form 10C is an important document under the Employees’ Pension Scheme (EPS) that enables employees to either withdraw the pension portion of their EPF or retain their pension scheme membership. It is typically submitted when an employee leaves a job before reaching retirement age or completing the minimum service period required for pension benefits.

Are FDs better than keeping money idle during job transitions?

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Should I visit the PF office if I apply to withdraw the amount online?

No, you do not need to visit the PF office if you have applied to withdraw the amount online. You can initiate the claim using Form 10C online by visiting the EPF member e-SEWA portal.

Is it compulsory to fill out Form 10C each time I change jobs?

No, it is not compulsory to fill out Form 10C each time you change jobs. However, if you want to transfer the same EPS account to your new employer, you can use Form 10C to do so.

What is an EPS scheme certificate?

An EPS scheme certificate is a document that shows the amount of pension that a member is entitled to. The scheme certificate can be used to transfer the service period of the member to another establishment.

How long does Form 10C take to process?

The processing time for Form 10C varies depending on the circumstances. However, it usually takes around 5-30 days to process the form.

Is form 10C filled for pension withdrawal?

Yes, Form 10C is typically filled for pension withdrawal from the Employee Provident Fund (EPF) account.

Why is form 10C rejected?

Form 10C may be rejected due to incomplete or inaccurate information, mismatched details with records, or failure to meet eligibility criteria. It's crucial to ensure all required fields are correctly filled and supporting documents are provided accurately.

What is the Form 10C deduction?

There is not actually a deduction associated with Form 10C. It is a form used to claim benefits from the Employee Pension Scheme (EPS) in India, which is part of your Employee Provident Fund (EPF).

What is form 10C of EPF?

Form 10C is a document provided by the Employees' Provident Fund Organisation (EPFO) that allows members to claim various benefits from their EPF account. These benefits can include:

  • Scheme Certificate: This document serves as proof of your past service record and is particularly helpful when switching jobs between different organizations, especially if you've worked for more than 9.5 years and are under 50 years old.
  • Withdrawal Benefit: If you haven't completed 9.5 years of service and are under 50, you can use Form 10C to claim your pension contributions. Note: This benefit is not applicable if your membership is less than 180 days (excluding non-contributing periods).

How many days PF claim form 10C settlement?

The typical processing time for a complete and verified Form 10C claim is around 20 days. However, it's important to note that this is an estimate and actual processing times can vary depending on factors like the specific EPFO office handling the claim, the complexity of the case, and any additional verification required.

Who is eligible for Form 10C?

Eligibility

Description

Scheme Certificate

Available to members under 50 years old with more than 9.5 years of service.

Withdrawal Benefit

Available to members under 50 years old with less than 9.5 years of service.


Note: Withdrawal Benefit is not applicable for memberships less than 180 days (excluding non-contributing periods).

What happens if 10C is rejected?

Here is what happens if form 10C is rejected

Rejection

Possible Reason

Action

Form 10C Rejection

Incomplete or inaccurate information

Review your application, rectify any errors, and resubmit the form.

EPF Claim Rejection

Form 10C rejection or other verification issues

Contact your EPFO office for clarification and guidance on resolving the issue.
Why is form 10C used?

Purpose

Description

Scheme Certificate

Obtains a document preserving your service record when switching jobs (for those under 50 with more than 9.5 years of service).

Withdrawal Benefit

Claims your accumulated pension contributions if you haven't completed 9.5 years of service and are under 50.

Employer Share Refund

(Not directly mentioned in the reference content, but commonly used with Form 10C) Requests a refund of your employer's contributions (applicable in specific situations).
How do I claim 10C online?

Step

Description

Login

Access the EPF member portal with your UAN and password.

Online Services

Navigate to "Online Services" and select "Claim (Form 31, 19 and 10C)."

Bank Verification

Enter the last 4 digits of your bank account and click "Verify."

Agreement

Sign the "Certificate of Undertaking" and agree to the terms and conditions.

Claim Selection

Choose "Only Pension Withdrawal (Form 10C)" (or other claim type).

Address & Aadhaar

Enter your complete address and click "Get Aadhaar OTP."

OTP & Submission

Enter the OTP received on your Aadhaar-registered mobile number and click "Validate OTP and Submit Claim Form."
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