EPFO Passbook Download
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In summary
Here are the key rules to understand before submitting Form 10C:
- Core purpose: Form 10C is used for an eligible EPS withdrawal benefit or Scheme Certificate.
- 10-year service boundary: Members with less than 10 years of eligible service may qualify for a withdrawal benefit; after completing 10 years, the withdrawal benefit route is no longer available.
- Updated Table D: Since June 2024, EPS withdrawal benefits are calculated using completed months of contributory service rather than only completed years.
- Short service: The earlier six-month minimum has been removed for eligible members covered by the amended rules. Completed months of service are now considered for the withdrawal calculation.
- Scheme Certificate: A Scheme Certificate can preserve eligible pensionable service for use with subsequent EPS-covered employment.
What is the difference between EPF and EPS?
How to check EPF claim status
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EPF and EPS are both administered under the EPF framework, but they provide different benefits.
- EPF: Primarily provides a retirement savings corpus, with contributions and applicable interest credited to the member's EPF account.
- EPS: Provides pension-related benefits under the Employees' Pension Scheme.
- Form 19: Generally relates to final settlement of the EPF balance.
- Form 10C: Relates to an eligible EPS withdrawal benefit or Scheme Certificate.
- Form 10D: Used for applicable monthly pension claims under EPS.
The employer's contribution is divided between the EPF and EPS components according to the applicable statutory provisions.
How is the Form 10C withdrawal benefit calculated?
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The withdrawal benefit is calculated using Table D of the EPS, 1995.
A simplified representation is:
Withdrawal Benefit = Wages at Exit × Applicable Table D Factor
The wages at exit are subject to the applicable statutory ceiling, while the Table D factor depends on the member's completed months of contributory service.
What changed in Table D in 2024?
Before the amendment, the calculation was based primarily on completed years of service, with certain fractional periods not fully reflected.
The amended Table D now provides a proportion for each completed month of service. This means that a member leaving after, for example, two years and five months receives a calculation based on 29 completed months, rather than having the additional months ignored.
Selected Table D factors
Completed service Table D factor Illustrative benefit at Rs. 15,000 wages 1 month 0.08 Rs. 1,200 3 months 0.25 Rs. 3,750 6 months 0.51 Rs. 7,650 12 months 1.02 Rs. 15,300 24 months 1.99 Rs. 29,850 36 months 2.98 Rs. 44,700 48 months 3.99 Rs. 59,850 60 months 5.02 Rs. 75,300 72 months 6.07 Rs. 91,050 84 months 7.13 Rs. 1,06,950 96 months 8.22 Rs. 1,23,300 108 months 9.33 Rs. 1,39,950 Note: These are illustrative calculations using Rs. 15,000 as the wage figure. The actual benefit depends on the wages on which EPS contributions were received and the member's completed months of contributory service. The revised Table D runs from one month through 113 months, with the factor reaching 9.33 at 108 months and remaining at 9.33 thereafter.
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Who can apply?
Applicant category Form 10C outcome Member leaving before ten years’ service Withdrawal benefit or Scheme Certificate, subject to eligibility Member reaching 58 before ten years’ service Withdrawal benefit Member completing ten years and aged below 50 Scheme Certificate Member aged 50 to 58 with ten years’ service Scheme Certificate when reduced pension is not selected Eligible claimant after the member’s death Applicable benefit, subject to EPS rules and family-pension eligibility Waiting for your PF claim? Don’t let your funds sit idle?
PF or pension benefits needed for immediate expenses should remain accessible. Investors should avoid locking emergency money into a long-term deposit. Those holding independent surplus savings may consider Bajaj Finance Fixed Deposit, which provides assured returns unaffected by market movements. Effective w.e.f 07 October, 2026, rates reach 7.75% p.a. for customers below 60 and 8.15% p.a. for senior citizens. Tenures range from 12 to 60 months, with deposits starting at Rs. Rs. 15,000. Investors should check current FD rates before booking.
Also Read: Form 27EQ
Attestation rules for Form 10C
Submission method General certification requirement Aadhaar-based online claim Aadhaar authentication ordinarily replaces physical employer attestation Composite Claim Form with Aadhaar Employer attestation is generally unnecessary when prescribed conditions are satisfied Non-Aadhaar or legacy paper claim Employer certification may be required Employer unavailable or establishment closed Certification from an authorised official may be accepted Also Read: Form 10F
Where to download Form 10C?
Steps to download the form
- Visit the official EPFO website.
- Open the Downloads or Claim Forms section.
- Select Form 10C, described as the withdrawal benefit or Scheme Certificate form.
Download the PDF and read every instruction before completing it.
Members can access the official EPF Form 10C PDF or use the available composite claim facility.
Contents of Form 10C
Form 10C requests information needed to establish identity, service history, family particulars, eligibility, and the correct payment destination.
- Member and claimant names
- Date of birth
- Parent’s or spouse’s name
- UAN and previous PF account details
- Establishment name and code
- Joining and leaving dates
- Reason for leaving employment
- Scheme Certificate preference
- Family and nominee particulars
- Death-related information, where applicable
- Bank-account and payment details
Applicant declaration and signature
Also Read: PF Transfer Form
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How to initiate claim using Form 10C online?
Steps for initiating Form 10C online
- Open the EPFO Member e-SEWA portal and sign in using your activated UAN.
- Select the composite claim service under the Online Services menu.
- Check your pre-filled personal, employment, PAN, Aadhaar, and bank information.
- Verify the bank account using the requested digits.
- Accept the displayed Certificate of Undertaking.
- Select Proceed for Online Claim.
- Choose Only Pension Withdrawal, corresponding to Form 10C, when eligible.
- Complete the displayed claim fields and verify the entered information.
- Request the Aadhaar OTP and enter it within the permitted period.
- Submit the claim and retain the acknowledgement for tracking.
- Monitor the application through the online claim-status service.
EPFO credits an approved withdrawal benefit to the verified bank account.
Portal wording can change after service updates. Applicants should select the option matching their intended EPS benefit.
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Contents in EPF Form 10C
Below is a step-by-step guide of how to initiate claim using Form 10C:
Section Information required Personal details Name, date of birth, parent or spouse name, UAN, address, and contact information Employment details Establishment details, PF account, joining date, exit date, and departure reason Benefit selection Withdrawal benefit or Scheme Certificate request Service details Pensionable service, previous Scheme Certificates, and related employment records Family details Spouse, children, nominee, or legal-heir information, where applicable Payment details Verified bank account, IFSC, and payment information Declaration Claimant’s confirmation, signature, authentication, and applicable certification All entries should match EPFO records. Differences involving names, dates, bank details, or service periods can delay claim processing.
Attestation - Offline submission
A physical Form 10C may require certification from the last employer, particularly when Aadhaar-based self-verification is unavailable.
If the establishment has closed, an authorised official may attest the form with their official seal, subject to EPFO acceptance.
Such authorised officials can include:
- A Magistrate or Gazetted Officer
- A Postmaster or Sub-Postmaster
- A bank manager maintaining the claimant’s account
- A Member of Parliament or Legislative Assembly
- An authorised municipal or district local-body representative
- A Village Panchayat President
- An eligible EPFO trustee or regional committee member
The head of a recognised educational institution
Applicants should confirm the accepted signatory with the relevant EPFO office before submitting an independently attested physical claim.
Before submitting EPF Form 10C, verify that your Aadhaar, PAN, and bank details are correctly linked with your UAN. Accurate information helps EPFO process eligible claims more efficiently and reduces the chances of correction requests.
Procedures for certification
Application scenario Certification method Online application Aadhaar-based electronic authentication, subject to portal eligibility Composite Claim Form with Aadhaar Member’s self-certification under applicable conditions Non-Aadhaar paper application Employer attestation generally required Closed establishment Attestation by an authorised official may be accepted Legal-heir claim Supporting legal and identity documentation may be required Members should not use outdated attestation instructions without checking the latest form, portal prompts, or directions from their regional EPFO office.
Authorised officials include a Gazetted Officer, Magistrate, Postmaster, Bank Manager, Member of Parliament, Member of Legislative Assembly, Village Panchayat President, or the Head of a recognised educational institution. Using the correct certification method helps prevent delays in claim processing.
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Conclusion
Form 10C in EPFO helps eligible EPS members withdraw available pension benefits or preserve pensionable service through a Scheme Certificate.
A Scheme Certificate may be valuable when future employment could help the member complete ten years’ service and qualify for pension.
Before applying, members should verify their age, contributory service, KYC, exit date, bank details, and the correct benefit category.
Investors with separate surplus funds may consider Bajaj Finance Fixed Deposit for assured returns, flexible tenures, and high credit-safety ratings.
Also read below articles related to EPF
What is the difference between a Scheme Certificate and withdrawal benefit?
An eligible member with less than 10 years of service generally has to consider whether to take the withdrawal benefit or preserve pensionable service through a Scheme Certificate.
| Parameter | Pension Withdrawal Benefit | EPS Scheme Certificate |
|---|---|---|
| Immediate payment | Withdrawal benefit is paid according to the applicable calculation. | No immediate withdrawal benefit is paid. |
| Past service | The withdrawn service is not available for future pension-service aggregation. | Eligible past service is preserved. |
| Future EPS employment | Past pensionable service is not carried forward through the withdrawn benefit. | Previous service can be combined with subsequent eligible service. |
| 10-year pension threshold | Does not help build future pensionable service after withdrawal. | Helps preserve the previous service period towards the applicable pension entitlement. |
| Primary consideration | Provides access to the eligible withdrawal benefit. | Preserves pension-service continuity. |
EPFO's Form 10C instructions specifically state that members who have completed 10 years do not have the withdrawal-benefit option and can receive a Scheme Certificate instead. They also explain that preserved service can be carried forward when the member takes up employment in another establishment.
Who can claim a Form 10C withdrawal benefit?
A member may qualify for a withdrawal benefit where the applicable EPS conditions are met and the member has not completed 10 years of eligible service.
The 2024 amendment is particularly relevant to short-service members because the earlier six-month minimum for receiving a withdrawal benefit was removed. The revised rules provide for proportionate benefits based on completed months of service.
What happens after completing 10 years?
Once a member has completed the applicable 10 years of pensionable service, the withdrawal-benefit option is no longer available.
The member may instead retain the pension entitlement through the Scheme Certificate route and claim the applicable monthly pension when eligible.
Under EPS rules, a member who has completed 10 years of eligible service can generally claim a monthly pension on reaching the prescribed pension age. Reduced pension provisions may also apply in eligible cases where the member claims pension before age 58.
How can you submit Form 10C online?
Eligible members can submit applicable Form 10C claims through the EPFO Member e-Sewa Portal.
Step-by-step process
- Log in to the Member Portal: Open the official EPFO Member e-Sewa Portal and sign in using your UAN and password.
- Open the claim section: Select Online Services > Claim (Form-31, 19, 10C & 10D).
- Verify bank details: Confirm the bank account registered with your UAN.
- Select the applicable claim: Choose the Form 10C withdrawal-benefit option or Scheme Certificate option available to you.
- Enter the required details: Provide the requested address and other claim information.
- Complete authentication: Submit the claim using the authentication method displayed by the EPFO portal.
- Track the claim: Use the applicable EPFO claim-status facility to monitor the progress of the application.
The exact options displayed can vary depending on the member's service history, KYC status, Date of Exit and eligibility.
What documents may be required?
Depending on the claim type and current EPFO workflow, members may need:
- UAN and login credentials.
- Aadhaar-linked mobile number for authentication.
- Valid bank account details.
- KYC-approved bank account.
- Cancelled cheque or other bank-account proof where requested.
- Details relating to employment and Date of Exit.
The current online claim interface determines which documents or information are required for the particular claim.
What are the common reasons for Form 10C claim issues?
Service history shows 10 years or more
A withdrawal-benefit claim may not be available when the member has completed 10 years of eligible service.
What to do: Check the service history, including previous Member IDs and transfer-in service. If 10 years or more is correctly recorded, the Scheme Certificate or applicable pension route may be relevant instead.
Short-service calculation appears incorrect
Since the 2024 amendment, completed months of service are considered for the withdrawal-benefit calculation.
What to do: Check the service period recorded in the EPFO records and the wages used for EPS contribution. If the information appears incorrect, follow the applicable EPFO correction or grievance process.
Date of Exit is not available
The claim may not be processed if the required employment-exit information has not been updated.
What to do: Check the Date of Exit recorded against the relevant Member ID. Where eligible, the member can use the Manage > Mark Exit facility after the applicable waiting period.
Bank details do not match
A mismatch between the registered bank details and the claim information can prevent settlement.
What to do: Verify that the bank account is correctly seeded and KYC-approved before submitting the claim.
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What are the tax rules for Form 10C withdrawal benefits?
The tax treatment of an EPS withdrawal benefit is different from the tax treatment of an EPF final settlement.
The applicable tax treatment depends on the nature of the payment, the member's service period and the provisions of the Income-tax Act applicable to the relevant year.
Therefore, the commonly stated rule that a Form 10C withdrawal is automatically taxable or automatically exempt after a fixed number of years should not be applied without checking the specific payment and current tax provisions.
For tax reporting, members should retain:
- Form 10C claim and settlement details.
- EPFO service records.
- Payment statements.
- Relevant income-tax documents.
Where the amount is material or the member's tax position is complex, the applicable tax treatment can be confirmed with a qualified tax professional.
Can a Form 10C settlement be placed in a Fixed Deposit?
An eligible Form 10C withdrawal benefit provides a lump-sum payment rather than a continuing monthly EPS pension. If the amount is received and the member is considering where to hold it, a Fixed Deposit is one possible fixed-income option to evaluate alongside other alternatives.
For example, Bajaj Finance currently offers Fixed Deposit rates of up to 7.75% p.a. for customers below 60 and up to 8.15% p.a. for senior citizens, depending on tenure and payout option. These rates are applicable from w.e.f 07 October, 2026 and can change in future.
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- Credit ratings: Bajaj Finance Fixed Deposits carry CRISIL AAA/STABLE and ICRA AAA(Stable) ratings.
- Loan against FD: Eligible depositors can access a loan against the FD without necessarily closing the deposit, subject to applicable terms. Current product information indicates loans of up to 60%-75% of FD value, depending on the applicable deposit and terms.
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Frequently Asked Questions
Overview
What is Scheme Certificate form 10C?
Form 10C enables eligible EPS members to obtain a Scheme Certificate preserving pensionable service for future employment, pension, or qualifying family benefits.
Are FDs better than keeping money idle during job transitions?
Absolutely. Instead of letting your funds sit in a savings account, invest in an FD for better interest returns and capital safety. Get up to 8.15% p.a. returns with Bajaj Finance FD. Start with just Rs. Rs. 15,000, Invest now.
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 does the FD interest rate work?
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.
Why can Form 10C be rejected, and is there any deduction associated with it?
Form 10C may be rejected due to incomplete or inaccurate information, mismatched details with EPFO records, or failure to meet the applicable eligibility criteria. Form 10C itself does not involve a deduction. It is used to claim benefits under the Employee Pension Scheme (EPS), which forms part of the EPF system.
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).
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