EPF Form 10C

EPF Form 10C is a claim form under the Employees’ Pension Scheme (EPS). It allows you to either:

• Withdraw your pension contributions (if you have less than 10 years of service), or
• Obtain a Scheme Certificate (to preserve pension service history for future employment).

Who is Eligible?

You fall into one of these categories:

1. Member Type 1:
   • Left service before completing 10 years, or
   • Reached age 58 before completing 10 years.
2. Member Type 2:
   • Completed 10 years of service before age 50; or
   • Age between 50–58 but does not want reduced pension.
     → Can get a Scheme Certificate only (no withdrawal).
3. Member Type 3:
   • Legal heir or nominee of a deceased member aged over 58 but with under 10 years of service.
     → Eligible for withdrawal by beneficiary.

Benefits of Filing Form 10C

• Withdraw 8.33% pension contributions (if under 10 years service).
• Scheme Certificate preserves your pensionable service—crucial for future jobs or family pension eligibility.
• Death benefit: If member dies before 58 with <10 years, family can claim via withdrawal.

Documents Needed

• Blank or cancelled cheque (for bank details),
• Revenue stamp of ₹1,
• Birth certificate (if child seeking Scheme Certificate),
• Death and succession certificate (for legal heirs),
• Employer attestation (if offline) or self attestation online.

How to File (Online or Offline)

Online via EPFO e‑SEWA:

1. Log in using UAN, password, and captcha.
2. Navigate to Online Services → Claim Form (Form‑31/19/10C/10D).
3. Verify KYC, bank details (last 4 digits), and type of claim.
4. Select “Withdraw Pension Only” (Form 10C) or “Scheme Certificate.”
5. Submit OTP for confirmation.
6. Track status; funds are usually credited in a few days to weeks.

Offline:

• Download or obtain the form from EPFO office.
• Fill it out, attach documents, get employer attestation or authority if employer closed.
• Submit at the EPFO regional office.

Timeline & Processing

• Online claims get processed in 5–30 days; you’ll also receive updates/SMS.

Quick Table Summary

Category	Eligibility	Benefit
Member Type 1	<10 yrs service or ≥58 yrs but <10 yrs	Withdrawal (+certificate)
Member Type 2	≥10 yrs service before 50 or 50–58 yrs	Scheme Certificate only
Member Type 3	Legal heir of deceased member ≥58 yrs & <10 yrs	Withdrawal by heir

Why It Matters

Form 10C gives you access to your own pension contributions if you’re not yet pension-eligible. Or, you can preserve your years of pensionable service via a Scheme Certificate—essential for anyone switching jobs or planning for long-term security.