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Withdrawing Your Employee Pension Scheme Funds: A Guide to EPF Form 10C

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11-09-2024
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Withdrawing Your Employee Pension Scheme Funds: A Guide to EPF Form 10C

The Employees' Provident Fund (EPF) and Employees' Pension Scheme (EPS) are retirement savings plans offered in India. EPFO manages these plans, and both employers and employees contribute funds during an individual's employment tenure. A Universal Account Number (UAN) is assigned to each member for easy tracking.

An EPF account statement reflects an individual's service details, including their family members who would benefit if the employee passes away while employed. Upon retirement, individuals have the option to either transfer their EPF balance to their new employer or withdraw it. However, a withdrawal necessitates filing EPF Form 10C.

Submitting an EPF Form 10C Online

  1. Access the EPFO Member Portal: Head over to the official EPFO website and locate the section dedicated to members. You can find the website address through a quick web search for "EPFO member portal."
  2. Log in with your UAN: Enter your Universal Account Number (UAN) and password to access your member account.
  3. Navigate to Online Services: Once logged in, locate the section labelled "Online Services" or similar terminology.
  4. Select Claim Form: Within the "Online Services" section, find the option for claim forms. This might be titled "Claim Form (Form 10C, 19, and 31)" or something similar.
  5. Verify Member Information: The system will likely display a pre-filled section with your employment details, KYC (Know Your Customer) information, and member profile. Carefully review this information to ensure accuracy.
  6. Verify Bank Account: Enter the last four digits of the bank account you want the funds deposited into. This step verifies your bank account details.
  7. Agree to Terms: A "Certificate of Undertaking" will be presented. Read the terms and conditions thoroughly before electronically agreeing to them.
  8. Specify Claim Type: Since you're filing for pension withdrawal, choose the option that indicates "Only Pension Withdrawal (Form 10C)". You might also be prompted to enter your complete address for future reference.
  9. Verify with Aadhaar OTP: An OTP (One-Time Password) will be sent to the mobile number registered with your Aadhaar. Enter this code to validate your identity and submit the claim form electronically.

Who Can Benefit from EPF Form 10C?

There are three categories of members eligible for Form 10C, each with specific criteria:

Member Type 1:

·       Left before 10 years of service completion.

·       Turned 58 years old without completing 10 years of service.

Benefit: These individuals can withdraw their EPF using Form 10C before their official retirement.

Member Type 2:

·       Completed 10 years of service before reaching 50 years old.

·       Over 50 but under 58 years of age.

Benefits:

·       Those meeting both criteria are entitled to a scheme certificate.

·       Individuals meeting only the second criterion can withdraw a reduced pension after filing Form 10D.

Member Type 3:

  • Legal heir or nominee of a deceased member who was past 58 and hadn't completed 10 years of service.

Benefit: These individuals can avail withdrawal benefits by filing EPF Form 10C.

Eligibility Table Summary

Member Type

Description

1

Did not complete 10 years of service OR turned 58 years before completing 10 years of service.

2

Completed 10 years of service before 50 years old OR over 50 but under 58 years of age.

3

Legal heir/nominee of a deceased member, past 58 and could not complete 10 years of service.


Important Note: Membership for less than 180 days disqualifies an individual from receiving any benefits.

What You'll Need on Form

·       Personal Details (Name, DOB, father/husband's name)

·       Previous Employment (Company details, joining/ leaving dates)

·       Current Address

·       Claim Preference

·       Family Details

·       Remittance Preference (Cheque or electronic payment)

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Pondicherry Trip Cost – A Complete Travel Budget Guide

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Kedarnath Trip Package – Cost and Travel Itinerary

Kedarnath, one of the holiest pilgrimage sites in India, is nestled in the majestic Himalayas of Uttarakhand. Dedicated to Lord Shiva, the Kedarnath Temple is part of the Char Dham Yatra and attracts lakhs of devotees every year. The journey to this sacred shrine is both spiritual and scenic, making it a dream for those seeking peace and devotion. If you’re planning your visit, understanding the Kedarnath trip package details, cost, and travel options can help you plan your yatra efficiently. Travel Options to Kedarnath There are several routes and modes to reach Kedarnath, depending on your convenience and budget. By Air The nearest airport is Jolly Grant Airport in Dehradun, about 240 km from Gaurikund (the base point for Kedarnath). Delhi to Dehradun flight: ₹3,000 to ₹6,000 (round trip) Taxi from Dehradun to Gaurikund: ₹6,000 to ₹8,000 per vehicle Helicopter services are also available from Phata, Guptkashi, and Sirsi to Kedarnath for those who want to skip the trek. Helicopter tickets cost between ₹5,000 and ₹8,000 per person (round trip). By Train The nearest railway station is Rishikesh, located around 210 km from Gaurikund. Delhi to Rishikesh train: ₹400 to ₹1,000 per person Cab or bus from Rishikesh to Gaurikund: ₹1,000 to ₹2,000 per person By Road Buses and shared taxis are available from Haridwar, Rishikesh, and Dehradun to Gaurikund. The journey takes about 8 to 10 hours through beautiful mountain roads. Trekking to Kedarnath From Gaurikund, the Kedarnath trek spans about 16 kilometres. Ponies, palkis, and doli services are available for those who prefer not to walk. Pony ride: ₹3,000 to ₹4,500 per person Doli: ₹5,000 to ₹7,000 per person Porter: ₹1,000 to ₹2,000 The trek offers stunning views of snow-capped peaks and alpine forests, making it a spiritual as well as adventurous experience. Kedarnath Trip Package Cost Package prices vary based on departure city, duration, and inclusions such as meals, hotels, and transport. Budget Package: ₹9,000 to ₹15,000 per person (shared transport, basic stays, group tour) Mid-Range Package: ₹20,000 to ₹30,000 per person (comfortable hotels, meals, guide) Luxury Package: ₹35,000 to ₹50,000 per person (private cab, premium stays, helicopter option) If you choose to include nearby sites like Badrinath, Tungnath, or Guptkashi, costs may increase slightly but offer a complete Char Dham experience. Accommodation and Food Costs Accommodation options near Kedarnath are limited but sufficient for most pilgrims. Budget guesthouses: ₹1,000 to ₹2,000 per night Mid-range hotels in Guptkashi or Sonprayag: ₹3,000 to ₹5,000 per night Luxury stays near Phata: ₹7,000 to ₹10,000 per night Meals are simple and vegetarian, with dhabas and ashrams offering thalis priced around ₹150 to ₹300 per person. Ideal Duration and Best Time to Visit The Kedarnath Temple opens in April or May and closes by October or early November before snowfall.A 4 to 5-day trip from Haridwar or Rishikesh is ideal to cover travel, stay, and darshan comfortably. How to Choose the Right Kedarnath Package Check if the package includes transport from Haridwar or Dehradun. Confirm meals, hotel quality, and local guide services. Verify inclusion of permits and temple entry arrangements. For senior citizens, helicopter-inclusive packages are highly recommended. Can a Travel Loan Help? Pilgrimage trips like Kedarnath can involve high travel and accommodation costs, especially for families. Opting for a travel loan can make it easier to manage these expenses while allowing you to repay conveniently through EMIs. Final Thoughts The Kedarnath trip package cost generally ranges between ₹9,000 and ₹30,000 per person, depending on comfort and inclusions. Whether you choose to trek or fly by helicopter, the journey to Kedarnath is an unforgettable spiritual experience. With a little planning and smart budgeting, you can make this holy yatra peaceful, memorable, and financially manageable.
14-10-2025
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