EPF Form 10C – Benefits, Eligibility & Documents of Form 10C

Ever left a job before completing 10 years of service? Or planning to switch, but unsure what happens to your pension money? That’s where EPF Form 10C comes in.

This form helps you either withdraw your pension amount or get something called a Scheme Certificate (more on that in a bit). It might sound like paperwork, but don’t worry — we’re breaking it down in a way that’s super easy to follow.

EPF Form 10C?

Think of EPF Form 10C as your go-to form for anything related to the Employees’ Pension Scheme (EPS) — especially when you’re no longer working with your employer and haven’t completed 10 years in service.

Here’s what it helps you do:

• Withdraw your EPS amount if you’ve worked for less than 10 years
  
• Or, get a Scheme Certificate to carry forward your pension benefits when you join a new job later

It’s a simple form, but it plays a big role in protecting the pension contributions you’ve made.

Who to Fill EPF Form 10C?

Not sure if this applies to you? Here’s a quick check: You can submit EPF Form 10C if:

• You’ve completed at least 6 months but less than 10 years in service
  
• You are no longer working with the same employer
  
• You’re part of the Employees’ Pension Scheme
  
• You’re between 18 and 58 years old

Still working? You don’t need to fill this yet. But if you’ve moved on, this is your chance to either take the pension money or hold on to your pension service through the Scheme Certificate.

How to Fill 10C Form?

The good news? You can do this online — no need to run around with printed forms.

Here’s how to fill EPF Form 10C online:

1. Go to the EPFO Member Portal
   
2. Log in with your UAN and password
   
3. Click on “Online Services” > “Claim (Form-31, 19 & 10C)”
   
4. Select “Form 10C” from the dropdown and follow the steps

Want to keep a hard copy or just check it out? You can also download EPF Form 10C from the official EPFO website.

Here’s a quick look at what you’ll be asked:

Field	What to Enter
Name	As per your PF records
Date of Birth	Match with Aadhaar
Father’s/Husband’s Name	For identification
Date of Joining & Exit	These come from your PF account
Reason for Leaving	Mention resignation, layoff, etc.
Opting for Scheme Certificate	Choose ‘Yes’ to carry forward pension, or ‘No’ to withdraw
Bank Account Details	For crediting your claim amount

Benefits of EPF 10C Form?

You may wonder, “Why bother with another form?” But this one’s actually worth your time.

Here’s how EPF Form 10C helps:

• Instant access to your pension contribution if you don’t plan to continue
  
• Keeps your pension benefits safe for the future with a Scheme Certificate
  
• Lets you carry forward your service years if you join another company later
  
• Helps you avoid losing money you’ve already earned

Contents in EPF Form 10C

The form asks for basic details like:

• Your name, date of birth, and family details
  
• Employment history (start and exit dates)
  
• Pension account number (linked with UAN)
  
• Your choice — withdraw pension or get a certificate
  
• Bank details for the payout

Make sure all your details (especially Aadhaar and bank info) are accurate — it avoids delays or rejections later.

Attestation Procedures

If you’re filing EPF Form 10C online and your Aadhaar is linked to your UAN — you’re all set. No need to get anything signed.

But for offline submission, you’ll need attestation from:

• Your previous employer
  
• Or a gazetted officer/bank manager (in case your employer isn’t available)

This just confirms your identity and employment history.

Documents Required

Here’s a simple checklist before you hit submit:

• UAN number
  
• Aadhaar card (make sure it’s linked to UAN)
  
• PAN card (especially if you’re withdrawing funds)
  
• Cancelled cheque or bank passbook (for account verification)
  
• Employment details (automatically fetched online)
  
• Passport-size photo (only if offline)

FAQs

1. What is the eligibility for pension withdrawal from Form 10C?

You can apply if you’ve worked for 6 months to less than 10 years under the EPS and are no longer employed with the same organisation.

2. Who is eligible to use 10C?

Anyone who has contributed to EPS and hasn’t completed 10 years of service is eligible to fill Form 10C.

3. Why does form 10C get rejected?

Most common reasons are:

• Mismatch in details (like Aadhaar, PAN, or bank info)
  
• Employer hasn’t marked your exit date
  
• UAN not activated or Aadhaar not linked

4. How many days for form 10C claim settlement?

Usually, 15 to 20 working days after the form is submitted — if all details are correct.

Final Thoughts

If you’re switching jobs, taking a break, or moving on from your current workplace, don’t leave your pension contributions behind. EPF Form 10C helps you claim what’s rightfully yours — whether you want the money now or want to carry it forward for your future. So go ahead — download EPF Form 10C, or fill it online today. It’s one small step that keeps your retirement plans on track.

Disclaimer : Investments in debt securities/ municipal debt securities/ securitised debt instruments are subject to risks including delay and/ or default in payment. Read all the offer related documents carefully.