EPF Form 10c

EPF Form 10C: Meaning, Benefits, Eligibility

Learn how EPF Form 10C works, its benefits, eligibility rules, and the documents required to claim or preserve your EPS pension benefits easily

Written by : Knowledge Centre Team

2026-02-23

1412 Views

6 minutes read

Exit Pop Up

Introducing BSE 500 Enhanced Value 50 Fund with Promise4Wealth

50 High-Potential Companies, One Smart Decision

Name is required Name should be Valid
Mobile Number is required Mobile Number should be Valid
DOB is required DOB should be Valid
Annual Income is required
Please tick to proceed further.

Thank you for your interest in our product. Our financial expert will connect with you shortly to help you choose the best plan.

In India’s employee benefits system, some of the most important financial safeguards work quietly in the background. EPF Form 10C is one of them. It plays a key role when an employee leaves a job, allowing them either to withdraw certain pension benefits or to preserve those benefits for the future through a Scheme Certificate. At a time when changing jobs has become common, this form ensures that your pension rights are not lost along the way.

Managed by the Employees' Provident Fund Organisation (EPFO), Form 10C helps employees stay connected to their long-term retirement security. Understanding how Form 10C works can help you make informed decisions. This guide explains its meaning, benefits, eligibility, and the steps to file it so you can access your EPS benefits smoothly.

Key Takeaways

  • EPF Form 10C allows employees to claim or preserve benefits under the Employees’ Pension Scheme (EPS)

  • It is commonly used when changing jobs, withdrawing pension contributions, or obtaining a scheme certificate

  • Employees with less than 10 years of service can withdraw EPS funds, subject to eligibility conditions

  • A scheme certificate helps carry forward service history to maximise future pension benefits

  • The form can be filed online through the EPFO portal or submitted offline with the required documents

What is EPF Form 10C?

EPF (Employee Provident Fund) is one of the most popular retirement savings schemes for salaried employees. It is used by employees to claim benefits under the pension scheme when they leave a job covered by the Employees’ Provident Fund (EPF).

It is issued and processed by the Employees' Provident Fund Organisation (EPFO) and is specifically related to the Employees’ Pension Scheme (EPS).

Your employer’s EPF contribution is deposited in two parts: EPF and EPS (Employee Pension Scheme). An 

EPS is a pension account that receives a contribution from your employer only. Form 10C in EPFO is a form that you will use to receive your benefits from the EPS account. For this, you can either visit the nearest EPFO branch or visit their website to fill out the form online.

Save Taxes While Building Long-Term Wealth

Please enter correct name Please enter the Full name
Please enter valid mobile number Please enter Mobile Number
Please enter valid email Please enter Email
Consent is required

Enter OTP

An OTP has been sent to your mobile number

Didn’t receive OTP?

Application Status

Name

Date of Birth

Plan Name

Status

Unclaimed Amount of the Policyholder as on

Name of the policy holder

Policy No.

Address of the Policyholder as per records

Unclaimed Amount

Error

Sorry ! No records Found

.  Please use this ID for all future communications regarding this concern.

Request Registered

Thank You for submitting the response, will get back with you.

Thank you for your interest in our product. Our financial expert will connect with you shortly to help you choose the best plan.

When to Use Form 10C?

You can use Form 10C to either withdraw the pension amount or commute your pension to the next employer. Here are the main situations when Form 10C is used:

  1. When you leave your job before completing 10 years of service: If your total service is less than 10 years, you can use Form 10C to withdraw your pension amount (Withdrawal Benefit).

  2. When you want a Scheme Certificate: Instead of withdrawing, you can apply for a Scheme Certificate. This helps you carry forward your pension service to your next job and use it later for pension benefits.

  3. When you leave a job but plan to work again: If you expect to join another EPF-covered organisation in the future, using Form 10C to get a Scheme Certificate helps protect your pension eligibility.

  4. When an employee reaches age 58 but has less than 10 years of service: In this case, the employee can use Form 10C to claim withdrawal benefits since they are not eligible for a monthly pension.

What is the Eligibility for Form 10C in EPFO?

Eligibility for Form 10C depends on your service tenure, age, and employment status at the time of exit. The categories below outline the different scenarios under which members or their families can apply.

  • Category 1:
    1. Members who left employment before completing 10 years of service
    2. Members who reached 58 years of age but had not completed 10 years of service
  • Category 2:
    1. Members who completed 10 years of service but are below 50 years at the time of applying
    2. Members aged between 50 and 58 who choose not to opt for a reduced pension
  • Category 3: Nominees, family members, or legal heirs of a member who passed away after turning 58 but before completing 10 years of service

How to Submit Form 10C Online?

Here’s a step-by-step process to submit Form 10C online:

  • Log in to your member account using your UAN (Universal Account Number)

  • Click on ‘Online Services’ on the menu and select ‘Claim Form 10C, 19 and 31’

  • The next page shows your member and KYC status. Click on ‘Proceed Online Claim’ on this page

  • Choose the type of claim you want to make:

    1. Withdraw PF only

    2. Withdraw Pension only

  • Fill out the online claim form 10C with the required details

  • Upon completion, you will receive an OTP at your registered mobile number. Enter the OTP on the website to start your withdrawal

You will receive an SMS with the status of your withdrawal, and the amount will be transferred directly to your bank account.

Do you know

Did You Know?

You can submit Form 10C online using your UAN through the EPFO Member Portal, making EPS claims faster and reducing paperwork


Source: EPFO

Cut Tax Stress 46,800

Documents Required to Submit with Form 10C

You will need to submit the form through the employer, as the document needs signatures from both the employee and the employer. However, in the case where the employer no longer exists, you can get the form attested by a gazetted officer.

Submit the form along with the following documents at your nearest EPFO branch:

  • Blank passbook copy/cancelled cheque

  • Date of birth certificates of children when applying for the scheme certificate

  • Death certificate if the member is deceased

  • Succession certificate for the legal heirs of the member

  • ₹1 stamp in case of applying for the withdrawal benefit through a bank

Key Benefits of EPF Form 10C

EPF Form 10C offers multiple advantages depending on your service tenure and eligibility, helping you either preserve or access your EPS benefits effectively.

  • Scheme Certificate: A Scheme Certificate is useful for employees who have completed 9.5 years or more of service but have not yet reached pension eligibility. Instead of withdrawing the pension amount, you can retain your EPS service record through this certificate, which helps you combine service periods later and claim a higher pension when you become eligible.
  • Withdrawal Benefit: If your total service is less than 10 years and you are below 50 years of age, you can opt to withdraw the accumulated EPS amount using Form 10C. However, this is allowed only if your EPS membership has been active for at least 180 days, and withdrawing means you forgo future pension benefits for that period.
  • Family Benefits: In case the member passes away before completing 10 years of service, the nominee or family members can submit Form 10C to claim the applicable EPS benefits. This ensures that the member’s pension contributions are not lost and provides financial support to dependents.

Conclusion

EPF Form 10C plays an important role in ensuring that your pension benefits remain secure and accessible when your employment situation changes. Whether you choose to withdraw eligible funds or preserve your service history through a scheme certificate, understanding how this form works helps you make decisions that align with your long-term financial security. Taking the time to file it correctly ensures that the savings built through your EPS contributions continue to support you or your family when they are needed most.

Glossary

  1. EPS: A government-backed pension program providing retirement income from employer contributions to eligible EPF members
  2. Scheme Certificate: A document issued by EPFO that preserves an employee’s pensionable service for future pension claims
  3. UAN: A unique identification number assigned to EPF members to manage and track their provident fund accounts
  4. Withdrawal Benefit: The option to withdraw accumulated EPS funds when eligibility conditions, such as service tenure, are met
  5. EPFO (Employees’ Provident Fund Organisation): The statutory body that administers EPF and EPS schemes and processes related claims
Glossary book
Uncertain About Insurance?

FAQs

PF Form 10C is used to claim benefits under the Employees’ Pension Scheme, such as withdrawing eligible pension contributions or obtaining a scheme certificate to retain service history.

PF Claim Form 10C means an application submitted to the EPFO to access or preserve EPS benefits after leaving a job, depending on your service period and eligibility.

You should choose a scheme certificate if you plan to continue working in EPF-covered organisations, as it helps carry forward your pensionable service and increases future pension eligibility.

It is not mandatory, but filing Form 10C is recommended to either withdraw eligible benefits or preserve your EPS record for future claims.

No, EPF Form 10C is not always required after exiting a PF-covered organisation, but it is required if you want to claim or preserve your pension (EPS) benefits.

If you do not submit Form 10C, your EPS contributions remain unclaimed and may not be easily accessed or transferred later, potentially affecting your future pension benefits.

Disclaimer - This article is issued in the general public interest and meant for general information purposes only. The views expressed in this blog are solely those of the writer and do not necessarily reflect the official policy or position of Canara HSBC Life Insurance Company Limited or any affiliated entity. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the blog or the information, products, services, or related graphics contained in the blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk. You should consult with a qualified professional regarding your specific circumstances before taking any action based on the content provided herein.

Recent Blogs

Tax Deductions for Salaried Employees
Tax Deductions for Salaried Employees - How to Save More Tax?
24 May '26
393 Views
7 minute read
Discover all income tax deductions for salaried employees & how to optimize your income to save more tax in India.
Read More
Tax Saving
Importance Of Taxes Hero Mobile
Income Tax Slabs and Rates Under New Tax Regime for FY 2026-27
13 May '26
12190 Views
15 minute read
Check old regime tax slab & new tax regime rates for FY 2026-27 and (AY 2027-28). Understand old income tax slabs, tax deduction slabs, taxable income rules & your tax liability in 2026.
Read More
Tax Saving
Importance Of Taxes Thum Desktop
E-Filing - File Income Tax Returns (ITR) Online in India 2026
13 May '26
10347 Views
15 minute read
Learn how to file your income tax return online in India with a step-by-step ITR e-filing guide. Understand forms, documents, and the complete process easily.
Read More
Tax Saving
Importance Of Taxes Thum Desktop
Short Term Capital Gains Tax & Calculation | STCG Tax India
13 May '26
10716 Views
11 minute read
Understand short term capital gains tax, calculation method, and applicable tax rates. Explore how STCG differs from long term gains to plan taxes better.
Read More
Tax Saving
What is the income tax in India?
What is Income Tax in India? Know Income Taxation System
13 May '26
5730 Views
14 minute read
Learn everything about tax on income in India 2026 - what is income tax, who pays it, current tax slabs, and smart tips to reduce your tax liability.
Read More
Tax Saving
What is Professional Tax
Professional Tax Online: Meaning, Slab Rates, and Applicability
13 May '26
4426 Views
12 minute read
Pay or check professional tax online with ease. Learn what is professional tax, how it's deducted from salary, and slab rates across different states.
Read More
Tax Saving
Importance Of Taxes Thum Desktop
Section 80GG: How to Claim HRA Tax Deduction Without HRA?
13 May '26
1929 Views
10 minute read
Save tax on rent with Section 80GG of Income Tax Act 1961! Learn how to claim deductions, eligibility criteria & how to reduce your tax liability effectively.
Read More
Tax Saving
Importance Of Taxes Thum Desktop
Section 80CCD (1B): Deductions Under Section 80CCD of Income Tax Act
09 May '26
1852 Views
7 minute read
Learn about tax benefits under Section 80CCD (1B) for NPS contributions, including additional deductions under Section 80CCD(1B) to maximize your savings.
Read More
Tax Saving
Tax Planning for High Income Earners
Tax Planning for High Income Earners: Save Tax Above ₹30 Lakhs
24 Apr '26
73 Views
7 minute read
Learn smart tax saving strategies for high income earners, deductions, exemptions & ways to reduce tax liability legally.
Read More
Tax Saving

Tax Savings - Top Selling Plans

We bring you a collection of popular Canara HSBC life insurance plans. Forget the dusty brochures and endless offline visits! Dive into the features of our top-selling online insurance plans and buy the one that meets your goals and requirements. You and your wallet will be thankful in the future as we brighten up your financial future with these plans.

Family Shield: Enhanced Protection

iSelect Smart360 Term Plan
  • 3 Plan options
  • Life cover till 99 years
  • Steady income benefit
  • Block your premium at inception

Fixed Returns, Zero Risks & Worries

iSelect Guaranteed Future Plus
  • 4 Plan options
  • Life cover + Guaranteed benefits
  • Accidental death benefit
  • Premium protection cover

Start Young, Pay Less, Stay Secured

Young Term Plan
  • Life cover till 99 years
  • Coverage for spouse
  • Block your premium rate
  • Covers 40 critical illness