PF Pension Withdrawal

Table of Content

1. How is the Pension Amount Calculated under EPS??

2. How to Withdraw Pension Contribution Online?

3. Track Your EPF Withdrawal Status Online?

4. How to Withdraw Pension Contribution Offline?

5. Documents Required to Withdraw Your Pension Contribution from EPF?

6. What is the PF Withdrawal Limit?

7. How Much Money Can You Take Out from Your EPF Account?

8. What are the Eligibility Criteria to Withdraw a Contribution from EPF?

9. When Can You Withdraw Your Pension Contributions?

10. How is Pension Amount Calculated Under EPS?

11. EPF Pension Withdrawal Rules

12. Benefits of Withdrawing EPF Online

13. How to Withdraw EPF for a Deceased Person?

14. Life Insurance & Retirement Planning

15. Conclusion

16. FAQs on PF Pension Withdrawal

The Employee Pension Scheme (EPS) was introduced in 1995 under the Employees' Provident Fund Organisation (EPFO). The primary purpose was to help private-sector employees accumulate a sizeable amount for their post-retirement years. 

It is a social service scheme that offers primary retirement security by providing a monthly pension to eligible employees. You can combine EPS with other savings options, such as the Unit Linked Insurance Plan (ULIP), which offers dual benefits of investments and insurance or the National Pension Scheme (NPS), which is a market-linked voluntary contribution scheme for even better financial stability and steadier post-retirement income.  

Employees contribute 12% of basic pay to EPF; the employer also contributes 12% of which 8.33% is directed to EPS (employees do not directly contribute to EPS). It is a mandatory fund for individuals with a monthly salary of less than ₹15000. 

Nature of the Pension:

The amount accumulated in the EPS scheme is modest; it works as a post-retirement financial support. It is mandatory for all the eligible employees under EPFO. 

How is the Pension Amount Calculated under EPS?

Gaining an understanding of pension amount calculation under EPS is essential for proper planning of your retirement. Staying well informed about your expected monthly pension enables you to make informed decisions and secure your future once you retire. 

Following the EPF law, the formula for calculating of EPS pension is as follows:

Monthly Pension = (Pensionable Salary*Pensionable Service Period)/70

• Pensionable Salary

The pensionable salary means the average basic salary of an individual for 5 years from time of retirement. It considers the basic salary only and dearness allowances (DA), and not other bonuses and allowances. 

1. If your salary is Rs. 15,000 per month, then only Rs. 15,000 is taken into consideration for calculation 

2. For instance, if your salary on average is Rs. 12,000 over the last 60 months, it indicates your pensionable salary.

• Service Period

The pensionable service period means the working tenure of an employee while he/she keeps on contributing to the respective EPS and EPF account. The formula for calculation of EPS pension underwent revision by the EPFO in 2014. Prior to this, the average basic salary during the last one year was the pensionable salary.

Let's consider a real-life example. Suppose, Ritesh enrolled in EPS scheme during January 2010, and then he quit working during February 2025. Thus, till August 2014, the employment span was 4 years and 7 months. Remaining, considering from September 2014 till February 2025, the employment span was 10 years and 5 months. Now, let's assume that the pensionable wage till August 2014 of Ritesh was Rs. 6500, and from September 2014, the pension amount was Rs. 15,000. 

Considering this, the pension amount calculation between the period of January 2010 and August 2014 will be (Rs. 6500*5 years)/70 = Rs. 464.28

On the other hand, the pension amount calculation between September 2014 and February 2025 will be (Rs. 15000*10 years)/70 = Rs. 2,142.85 

Thus, the total pension amount to be paid to you will be (Rs. 464.28 + Rs. 2,142.85) = Rs. 2607.13.

How to Withdraw Pension Contribution Online?

Here is a detailed guide on the steps on how to withdraw PF pension amount online mode:

Step 1: 

Visit the official EPFO website.

Step 2: 

Click on the ‘For Employees’ option under the ‘Services’ tab.

Step 3: 

Click on the ‘Member UAN/Online Service (OCS/OTCP)’ option under the ‘Services’ tab on the new webpage.

Step 4: 

Log into your account using your Universal Account Number (UAN) and your password.

Step 5: 

Click ‘Online Services’ and then on the Claim option.

Step 6:

Select the form that applies to you. Use Form 10C if you haven’t completed 10 years of service otherwise use Form 10D.

Step 7: 

Proceed to fill out the form entirely.

Step 8: 

Check the details and status of your employment.

Step 9:

Enter the last 4 digits of your bank account number and click ‘Verify’.

Step 10: 

Click on the ‘Yes’ option to sign the certificate.

Step 11:

Select the pension withdrawal mode.

Step 12: 

Choose the ‘Aadhaar OTP’ mode of verification.

Step 13: 

Enter the OTP that you receive on the mobile number linked with your Aadhaar.

Step 14:

Click on the ‘Validate OTP and Submit Claim Form’ option.

Your pension withdrawal request will be placed. After due verification, your pension will be credited to the linked bank account within a few days.

Track Your EPF Withdrawal Status Online?

Tracking your PF pension withdrawal status online helps you know if your claim is approved, in process, or credited. Log in using your UAN, open ‘Online Services,’ and select ‘Track Claim Status.’ Let us go through the steps in detail below:

Step 1 – Log in to the UAN Portal 

After visiting the official EPFO portal, log in using your UAN and password. It ensured that the user account is authentic. The UAN is an essential requirement that you must activate before attempting to track the claim.

Step 2 – Navigate to ‘Track Claim Status’

After logging in, click on the “Online Service” tab on the dashboard. Select the “Track claim Status” from the drop-down. It is necessary to reach the dedicated page where EPF claim statuses are displayed.

Step 3 – Enter Your Claim Reference Number

The reference number provided at the time of the PF pension withdrawal application helps in checking the claim status. You can find the number in the acknowledgement email or in the receipt you received when submitting the withdrawal request. Ensure that the reference number is accurate to get the appropriate claim data..

Step 4 – View Your Claim Status

After providing the reference number, the EPFO portal displays the present status of the EPF withdrawal claim. You can see whether it is pending, under verification or Approved. If you see that the status has not been updated within the expected timeline, follow up with the EPF office.

How to Withdraw Pension Contribution Offline?

If you are wondering how to withdraw pension contributions in EPF offline, follow these steps: 

 Step 1: Visit the official website to download Forms 10C and 10D

Visit the official EPF website and download the accurate Composite Claim Form for smooth withdrawal. 

Please note: If you have completed 10 years of service, you must complete Form 10D when withdrawing your pension. However, if you have not completed 10 years of service and wish to withdraw your PF amount prematurely, you must complete Form 10C.

Moreover, there are different forms available for Aadhaar-linked and non-Aadhaar-linked applications.  

Step 2: Fill in the Form

Provide accurate bank account details, ensuring the Aadhaar is linked with the UAN.  

This step is crucial for verifying identity and facilitating secure pension fund transfers. Any information mismatch can lead to claim delays or rejection. 

Step 3: Link Aadhaar

Employees who submit non-Aadhaar-linked forms must complete Aadhaar seeding to link their EPF records to their Aadhaar. By ensuring authenticity, this step helps verify the claim, a significant step before pension processing.

If a claimant is unable to seed Aadhaar, it may result in delays or rejection of the withdrawal request. 

Step 4: Submit the PF Pension Withdrawal Form

Submit a duly filled form, including all the supporting documents, to the jurisdictional EPF office. Before submission, verify all details. Retain all acknowledgement receipts and understand verification timelines. After proper verification, the pension amount will be credited to your bank account. 

Documents Required to Withdraw Your Pension Contribution from EPF?

For easy withdrawal of your pension contribution, submission of the following documents is mandatory. You can submit all these documents online by visiting the EPFO portal and offline at your nearest EPFO regional office. 

Here is the list of documents mandatory to submit for EPFO pension withdrawal:

• Form 10C: If you have not finished serving 10 years of service

• Form 10D: If you have attained the age of 50 or 58

• Proof of address

• Identity proof (e.g., PAN card and Aadhaar card)

• Latest statement of your bank account

• Two revenue stamps

Make sure all these details are accurate and consistent to avoid delays in processing.

What is the PF Withdrawal Limit?

Now that you know how to withdraw pension contributions from the PF, it is time to learn the withdrawal limit. According to the latest 2025 withdrawal rules, users can withdraw 100% of their EPF corpus, including both employer and employee contributions, under special circumstances. For partial PF pension withdrawal, the minimum service period has been reduced to 12 months.  

Let us look at the PF pension withdrawal limit in detail: 

1. Complete Withdrawal 

To withdraw the full PF balance, including the 25% mandatory portion to ensure retirement security, the employee must be at least 55 years of age. In addition, if an employee experiences permanent disability, retrenchment, permanent departure from India, or is unable to work, they are eligible to withdraw the full PF amount.  

If a user loses their job, they can withdraw 75% of the total PF corpus immediately, including employer contributions and interest. They can withdraw the remaining 25% after one year of unemployment.

2. Partial Withdrawal 

To know how to withdraw PF pension contribution, it is essential to understand that partial withdrawals fall into three categories: basic needs, housing, and special circumstances.

Employees with at least 12 months of service can apply for partial withdrawals. After a partial withdrawal is completed, subject to the applicable conditions and limitations, the remaining balance continues to earn interest. 

• For Medical Requirements: Individuals will receive 6 months' basic salary and DA, or an employee share with interest (which is less). 

• Land Purchase: Users can withdraw up to 90% of the total corpus.

• Home Renovation: 12 times the monthly salary with dearness allowance. 

• Marriage: Up to 5 withdrawals are allowed. 

• Education: Up to 10 withdrawals are allowed. 

Other cases: 

• Employees who have not received a salary for more than 2 months can withdraw 100% of their employee share, including any accrued interest. 

• If the establishment has remained closed for more than 15 days, and employees have become unemployed without any compensation. 

Please note: A Partial Withdrawal does not affect the user’s overall pension eligibility, but it reduces the available EPS corpus. This is why it is crucial to plan partial PF pension withdrawals responsibly.  

Also, the exact withdrawal percentages and conditions may vary based on the latest EPFO notifications. Always verify current limits and eligibility criteria through the official EPFO portal before applying.

How Much Money Can You Take Out from Your EPF Account?

Withdrawing money from your EPF (Employees Provident Fund) is easier under certain conditions that include unemployment, retirement, and other needs, such as purchasing a house or in medical emergencies. The amount you wish to withdraw depends on specific reasons, years of service, and balance maintained in your EPF account. 

The table below showcases the conditions under which you can withdraw EPF and the limit for withdrawal:

What are the Eligibility Criteria to Withdraw a Contribution from EPF?

Individuals must meet the desired eligibility criteria for partial withdrawal and final settlement on their respective EPF accounts. Let's look into the eligibility conditions necessary to meet for withdrawal of the contributed amount from EPF:

• Eligibility for Full EPF Withdrawal Upon Retirement

To withdraw the full EPF amount, an employee should attain the retirement age of 58 years. Reaching this age, they are eligible for withdrawal of the entire contributed amount, including the share and interest of the employer. After retirement, however, there are no penalties charged on the withdrawal amount. 

• Mandatory KYC and UAN Requirements

For EPF pension withdrawal, make sure to activate your Universal Account Number (UAN) and link it with your PAN and bank account. The KYC process is mandatory to complete for both the online and offline processes of withdrawal. Without proper verification of KYC details, the withdrawal request might be rejected. 

• Advance Withdrawal Option Before Retirement (90% Rule)

If you have an EPF account, you are eligible for withdrawal of about 90% of the accumulated balance upon attaining 54 years of age. This way, you can attain your financial needs before retiring. 

• EPF Withdrawal in Case of Job Loss Due to National Emergencies

Under cases of natural calamities, lockdowns, and pandemics, people who have become unemployed or facing financial hardship can apply for a withdrawal amount from their respective EPF account. Such withdrawals are, however, allowed under special provisions launched by the government during emergency scenarios. 

• Online EPF Withdrawal Facility with Employer Approval

Employees are eligible to submit withdrawal requests online through the EPFO portal using UAN. However, approval of the employer is equally necessary unless the KYC of the employee is verified fully and Aadhaar is linked with UAN. 

• EPF Withdrawal Rules During Unemployment (75% Withdrawal Clause)

If an employee remains unemployed for more than one month, they are eligible to withdraw approximately 75% of the balance maintained in the EPF account. The remaining 25% can be withdrawn if the employee is unemployed for two months or more. This opportunity thereby provides financial assistance during job transition.

When Can You Withdraw Your Pension Contributions?

PF pension withdrawals are restricted to specific conditions under the Employees’ Pension Scheme (EPS). The eligibility to withdraw pension contribution in EPF depends on the employee’s age, length of service and unemployment status. 

In this section, we will discuss various scenarios so that you can understand when you can withdraw your pension contributions: 

Scenario 1: Age 58 or above + 10 years of service

Employees aged 58 and above who have completed 10 years of service can withdraw 100% of their retirement corpus. They have the freedom to withdraw the pension amount either as a lump sum or opt for a monthly pension. 

Since no penalties or reductions apply, these employees are eligible for a complete PF pension withdrawal. It allows them to plan for long-term financial security, including other types of pension plans, investments, or retirement planning strategies. 

Scenario 2: Age 58 or above + less than 10 years of service

Those who are 58 years old and above and do not have 10 years of service experience are eligible for PF pension withdrawal. However, in this context, they can withdraw the pension only as a lump sum, not as a monthly pension.

Usually, late entrants working in the organised sector often fall under this category. They should consider alternative retirement savings to supplement the monthly pension.

Scenario 3: Age 50 or above + 10 years of service

In this scenario, employees aged 50 and above with at least 10 years of service can choose early pension withdrawal. However, in this scenario, the pension will be reduced by 4% each year until they reach retirement age or 58.

When a PF pension withdrawal is early, it offers financial flexibility while reducing monthly pension benefits proportionately. Therefore, these employees need to assess their future income requirements before choosing early withdrawal to avoid financial shortfalls post-retirement.

Scenario 4: Age below 50 + under 10 years of service

Employees under 50 years of age with less than 10 years of service are subject to strict restrictions on PF pension withdrawals. They need to complete at least 6 months of service and 2 months of unemployment. In this scenario, employees have limited access to their pension corpus, particularly when they are unemployed. 

Furthermore, they receive limited benefits. It is ideal for them to explore alternative emergency funds, as the PF pension amount will not cover their long-term financial needs.

How is Pension Amount Calculated Under EPS?

As of now, you have understood how to withdraw pension contribution, but you must also have an idea how to calculate the same. The amount of pension in your provident fund depends on the pensionable service and also the pensionable salary of the individual. The monthly pension of an individual is calculated according to the EPF pension calculator formula or EPS formula as stated below:

Member’s Monthly Pension = (Pensionable Salary x Pensionable Service) / 70

• Pensionable Salary

The average monthly income for the final 60 months before an employee departs from the Employees' Pension Scheme (EPS) is referred to as their pensionable wage. The employee continues to receive the relevant benefits even if there were any non-contributory periods during the previous 60 months. The non-contributory days are not calculated.

For example, if a person starts work on the fifth of the month and gets paid Rs. 18,000 every month, their salary for 26 days would be Rs. 15,600 (four days' worth of Rs. 600 less per day). However, the monthly compensation of Rs. 18,000, or 30 days, would still be taken into account for the EPS.

The maximum pensionable salary is capped at Rs. 18,000 per month. The employer contributes 8.33% of this salary to the employee's EPS account. Therefore, the monthly contribution to the employee's EPS account is calculated as follows:

Member’s Monthly Pension = Rs. 18000 x 8.33/100 = Rs. 1499.4

• Service Period

  The time a member is considered eligible for a pension is determined by the actual length of service they have completed. This term is computed by adding up service time from many employers. An EPS Scheme Certificate must be obtained and given to the new employer each time an employee changes positions. It's significant to remember that the employee is eligible for a 3-year bonus after reaching 15 years of service.
  

A member's service time will be reset to zero if they leave the EPS fund before completing their five-year service period and subsequently join another organisation. In this case, they will need to start contributing to the EPS account. Every six months, the amount of time spent in pensionable service is evaluated.

There is a six-month minimum pensionable service requirement. For example, the pensionable service time is 7 years if the service duration is 7 years and 3 months. On the other hand, it is regarded as 8 years if the service time is 7 years and 9 months.

EPF Pension Withdrawal Rules

Employees' contributions, interest on employees' contributions and employers' contributions and interest on their contributions are primary components of EPF payout. 

Although employees’ contributions to their EPF accounts are not taxable, the interest accrued on those contributions is subject to tax as income from other sources. Both the employer’s contributions and the interest accrued on their contributions are fully taxable. 

Understanding tax rules helps users avoid surprises and plan withdrawals more efficiently. This applies to both partial and full EPF withdrawal. 

1. Tax Implications of Early PF Withdrawals 

PF pension withdrawals made within five years of opening an EPF account are taxable. It also includes five years of continuous service. Within this five-year timeline, the tenure of the previous employer is also included. In this context, withdrawals of up to ₹50,000 are exempt from TDS. 

2. Partial Withdrawal and Loan Facility 

EPF allows partial withdrawals or loans for specific purposes, such as house purchase, medical emergencies, or other emergencies. It is essential to ensure employees are meeting eligibility requirements, limits, and the required documentation for applying. Partial withdrawals do not close the EPF account; the contributions continue, ensuring pension benefits remain intact. 

3. Withdrawal Restrictions While Employed 

EPF rules restrict withdrawal of the PF balance while employment is still active, except under special provisions. This encourages continuous savings to maintain a long-term retirement corpus. However, early withdrawal requires employees to remain compliant with EPFO rules and provide a justification for the purpose. 

4. EPF Transfer on Job Change 

Employees do not need to withdraw their EPF when they change jobs. They can simply transfer the EPF balance to the new employer’s EPF account. It is ideal to use online transfers through UAN, as they ensure seamless continuity. This not only preserves pension benefits but also prevents disruption to savings. 

5. Advance Withdrawal Rules (54 Years and 75% Clause)

Employees can withdraw up to 90% of their EPF balance after reaching 54 years of age to meet their pre-retirement requirements. If an employee quits their job, they can withdraw up to ₹75% after 1 month of unemployment and the remaining 25% after 2 months. Such provisions are regulated by EPFO amendments made in 2016 and apply only under specific conditions.

Benefits of Withdrawing EPF Online

EPF pension withdrawal online provides numerous advantages, making the whole process easier, faster, and convenient. Here are the primary benefits of how to withdraw the PF pension amount online:

• Faster Processing

Faster processing is the primary benefit of withdrawal of PF pension withdrawal online. Earlier, there was involvement in the submission of several paper documents, leading to a delay in the process. The online method, however, enables quick processing of claims. 

• Easy Withdrawal Procedure

The withdrawal process, followed online, is simple, convenient, and user-friendly. With a clear guideline and following step by step procedure on the EPF portal, individual members can complete their withdrawal procedure without external help. The online process also reduces paperwork and makes the process hassle free. 

• Access Anytime, Anywhere

Tracking your EPF withdrawal process is easy. You can perform it from anywhere, even when there is no stable internet connection. This is extremely beneficial if you are residing far away from an EPF office or following a busy schedule. There is no need to visit your nearest EPF office physically or stand in long queues. 

• Real Time Transaction Updates

The EPF online portal provides real-time transaction updates stating the status of your claim, from submission to approval, and then proceeding towards payment. Maintaining this kind of transparency enables members to stay informed at each stage of the process and enables removing uncertainty. 

• Enhanced User Experience

The overall experience of users regarding EPF withdrawal has improved significantly. Less visit to the nearby EPF office, minimal paperwork and quick processing contributes towards a smooth and hassle-free experience. Online customer support is another convenient option. Under this process, submission of Form 15G online is applicable to prevent deductions of TDS on EPF interest, enabling you to save more. 

How to Withdraw EPF for a Deceased Person?

As per the rules of the Employees' Provident Fund Organisation (EPFO), it is mandatory for PF account holders to name a nominee for their account. This is because if the member faces an untimely demise, the nominee shall be entitled to receive the accumulated fund of the provident fund corpus.

Thus, to know how to withdraw a pension contribution in EPF for a deceased individual, follow the steps below:

Step 1:

Fill out the EPF Form 20 by entering all the nominee details as well as the PF member who is deceased.

Step 2:

You need to submit Form 20 with the help of the last employer of the PF member. If you download the form from an EPFO website, all the pages must be signed by the nominee as well as the employer.

Step 3:

After the application is submitted, the EPFO shall send an SMS to the claimant about the processing status of the form.

Once the claim gets approved, the nominee shall receive the money. It is important to note that the payment of the corpus shall be directly deposited in the claimant's bank account. Thus, it is necessary to attach a copy of your cancelled cheque or bank passbook where the details of the IFSC copy and account number are visible for NEFT payment. In case the total amount is less than Rs. 2,000, the money shall be transferred via money order.

Life Insurance & Retirement Planning

While EPF & EPS secure your retirement, life insurance (like Term Insurance or Pension Plans) ensures financial protection for your family. Combining EPF with insurance helps in:
✔ Debt-free retirement
✔ Emergency fund availability
✔ Tax-free maturity benefits

Consider investing in Unit Linked Insurance Plan (ULIP), NPS, or annuity plans for higher post-retirement returns.

Conclusion

We covered how to withdraw the PF pension amount online and offline, including eligibility, rules, and step-by-step procedures. The Employee’s Pension Scheme helps build a reliable retirement corpus and financial safety net. Combining EPF with other financial instruments, such as HDFC Life Pension Plans, enables more comprehensive retirement planning and secure post-retirement returns. 

Proactive financial planning ensures funds are available during emergencies and supports long-term goals. Before applying for PF pension withdrawal, review EPF rules, maintain KYC and UAN details, and make informed decisions to maximise benefits.

FAQs on PF Pension Withdrawal

Q: Can I withdraw my pension contribution amount?

Generally speaking, you cannot take out your whole pension contribution amount while employed. There are certain exceptions, though. You may be able to withdraw all or part of your pension contribution if you satisfy certain age and service requirements, or if you're jobless for a predetermined amount of time. In addition, you can access your pension funds following your pension scheme's regulations once you retire. 

Q: Can I withdraw my pension fund when I resign?

No, when you quit, you usually cannot take your full pension savings with you. Retirement savings are the purpose of pension funds. There are certain exceptions, though. Under some circumstances, such as unemployment, you may withdraw your payments if you have worked for fewer than ten years. An early departure with fewer rewards may be feasible for individuals who have served for longer than ten years. 

Q: Can I withdraw money from my pension?

A number of conditions must be met before you may take money out of your pension. Save in the case of a terminal illness, you are normally not allowed to access your pension savings if you are under 50. You may be eligible for reduced benefit early access if you are between the ages of 50 and 58. Generally speaking, you can take your pension early at age 58, however precise guidelines differ based on the kind and source of the pension. 

Q: How do I remove pension contributions?

Contributions to your pension may be deducted based on the nature of the pension and your unique circumstances. Using Form 10C, you can often withdraw your pension contribution if you haven't reached your ten years of service requirement. Form 10D applies to you if you are 50 or 58 years old. There may be other alternatives for withdrawal depending on things like joblessness or certain life situations. 

Q: Can I surrender my pension?

In most cases, you can give up your pension, but it's usually not a good idea. When you surrender, you often take your pension money in one large payment prior to retirement. A part is tax-free, while the remaining amount is not. You would also forfeit future pension income and any increase in your investments. When choosing a choice, take into account options like drawdown or pension loans.

Q: How do I claim my pension withdrawal?

To claim your pension withdrawal, make sure to submit the right form (Form 10C or Form 10D) along with other supporting documents to your nearest EPFO registered branch or online through the portal. 

Q: Is withdrawal from EPS taxable?

TDS is deducted at 10% on the required EPF balance if you withdraw the money within 5 years of service and if the required amount is more than Rs. 50,000. However, if you fail to provide the PAN card, TDS will be deducted at the rate of 20%.

Q: Who is eligible to become a member of the EPFO?

To become a member of the EPFO, the employee must be employed under the Employees Provident Fund and Miscellaneous Provisions Act, 1952.

Q: How does EPF differ from life insurance?

EPF is primarily a retirement savings scheme, while life insurance provides financial protection to dependents in case of the policyholder's death. While EDLI (Employees' Deposit Linked Insurance scheme) offers some life insurance benefits with your EPF, it's generally advisable to maintain separate comprehensive life insurance coverage.

Q: Can I withdraw 100% of my pension fund?

Yes, you can withdraw 100% of your pension fund if you have been unemployed for at least two months. In such a context, you can withdraw 75% of the total pension amount immediately after unemployment in a lump sum, and the remaining 25% after 12 months of unemployment. According to the latest data, the waiting period for unemployed individuals to receive a pension has been extended to 36 months. 

 Q: How many days does a PF pension withdrawal take? 

Although there is no formal time limit mentioned when it comes to PF pension withdrawal, it usually takes 15 to 20 days once you have submitted all the required documents accurately. These documents include EPF Form 10D (if you are choosing a monthly pension), Aadhaar card, nominee details, UAN, Bank account details, PAN card, Claimant’s signature and address proof. 

Q: What is Form 10C for PF pension withdrawal?

Form 10C under the Employee’s Pension Scheme enables individuals to withdraw their accumulated pension amount prematurely before completing 10 years of service. It can also help in applying for an EPS certificate and initiating multiple pension benefits for family and legal heirs in the event of the scheme holder’s demise. 

Q. How to withdraw the PF pension amount online?

Visit the official website of EPF and log in with your UAN and password. Go to “Online Services” → “Claim” and select Form 10C or Form 10D. Verify your KYC and bank details, choose the claim type and reason (retirement, unemployment, etc.), upload documents, and submit. You can track progress under “Track Claim Status.”

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