I need some information on EPF and EPS. We all know once we have EPF for 10 years we will be getting EPS( Pension on our retirement after 58 years).

This is my situation .I was working in a company in India from May 2004 and was having contribution for PF till Jan 2007. Later i was sent on an Onsite Assignment to US and according to our company policy once we are on onsite assignment all our PF contributions will be stopped as we are not getting India salary. But every year from 2007 to 2012 was getting the interest on accumaled PF Amount.

My Question is My PF Contribution was only for 3 years and later there was no transactions except the interest gained but now i realised according to new law i am not even getting the interest on this.

The question is

1) Whether if i dont withdraw my PF amount whether am eligible for Pension after 10 years even though the contribution is made for only 3 years.

2) As am not getting any interest now on PF advise me whether to withdraw it or any benefits i get if i don't withdraw.



From United States, Omaha
Sr. Manager-hr &ir
Hr Generalist With 8+ Years Exp. Good In
+3 Others


hai Srini

this is a very good question

PF contribution period means = form the starting date of contribution to ending date of contribution

in your case your stating date of contribution was (May 2004) Joining date of Indian company and ending date of contribution end date with Indian company (Jan 2007).

PF service will be calculated form the starting date to end date of contribution means that is 3 years in your case.

so your PF contribution service will be calculated as 3 years only till now(with this PF A/c num) to avail pension u have to contribute 10 yeas of service then only u r eligible for pension, means if u joined in any other company or in the same company when u returned from other country (if ur employer closed the old A/c) they will open a New PF A/c to u then your new PF contributions starts from that day. New EPS contributory service also stats from that day.

you can add your past 3 years EPS contribution to the new PF(EPS) account through transfer or Scheme certificate(Form 10-c)

at final means after u attained 58(50) years of your age Pension (EPS) authorities calculate total contribution period at that time u should have a 10 yeas of EPS contribution. if u Transfers all different companies PF accounts to your final account then automatically EPS authorities calculate your total service and they will calculate process your pension.

in other way u can withdraw all the EPF amount and you should attained EPS scheme certificates(10-c) at last(58 or 50 age) with From 10-D u have to attach all Scheme certificates of different EPS Accounts(companies) then EPS authorities will calculate & process your Pension.

in between at any time u should not withdraw the EPS, if u withdrawn that amount then that A/c services will not be calculated as your EPS contribution service.

now coming to the EPF & EPS interest issue. while u r contribution PF authorities will pay u yearly interest to your contributed money that is natural process, if u stopped contribution and u didn't withdrawn or didn't transfer that amount then till 3 years that contributed amount will gain interest. after 3 years they wont pay interest

in your case u cant calculate your interest paid years also as EPS contributed years.

hear i have some questions

>did u joined this indian company(process) again.

>are they allotted any new PF number to you when u returned back

if u provided these details i can suggest u more accurately..

From India, Hyderabad

Thanks a lot for elaborate and excellent explanation. I am about to come back to india by May 2013 and mostly will be joining new company in India. One more Question i have
1)How they will calculate the Year for example worked only 1 month January in 2007 and in feb came Onsite. eventhough i worked for 1 month whether that will be considered as 1 year for EPS Calculation.( 10 years)
2) If i dont know the EPF number for a company worked from 2003 to 2004 how can i get it. Whether can i get with my first Name and Last Name from EPF Office or have to contact the Prevoius company to get my PF Number.

From United States, Omaha

Mr. Srini
your EPS will be calculated for 2 years 8 months (as per your said time) Month is the cut point PF also will be contributed and calculated month wise.
your EPF(F-19) & EPS(F-10-c) applications has to be processed through your company
on Form19 & 10-c u have to provide your signatures & bank details(to transfer your contributed money), nominee details only.
remaining all details will be filled by the company HR team, they will process your apllication.
if u have any issues with he company. they cant stop your PF. its your money and your right to get back.
Note: to get EPS (pension) in 10-C u have to tick on the Schem certificate option don't tick on the withdrawal option

From India, Hyderabad

Thanks for the replies. Just have some questions will highly apprecite if you can give some information on these. Just curious to know how the EPS process works.
Assuming have contributed for EPS for 10 years, will get pension after 58 years My question is
1) After 58 years for how many years will get the pension.
2) After my death whether my spouse may also get this pension. If yes for how many years.

From United States, Omaha
PF contribution services is going to be computed while three years solely until finally now(with this PF A/c num) to be able to apply for pension check ought to contribute 10 yeas associated with services then solely ough third qualified to receive pension check, implies if joined in a different company or maybe in the same company any time went back through different land (if 3rd there�s r workplace sealed the actual aged A/c) they are going to available a whole new PF A/c to be able to then your completely new PF additions commences through of which morning. Brand-new EPS contributory services furthermore gambling through of which morning.
From Pakistan, Islamabad

Thanks for the guidance to the members on eps and epf . I have question 1) where to file for eps pension incase last company hold pf acct in maharastra and taken over by multinational and name changed, while office was in delhi and i reside in delhi, 2) i have pf numbers of other companies before joining last company .regards
From India, New Delhi

Dear Srini,
After 58 Years you will eligible for life time pension and after your death your spouse will be eligible for the same for life time (your spouse will get get 50% of your pension.)

From India, Chandigarh

Dear All
I want to add one more information in this subject
if u r not withdrawn ur EPS
u r live member in the fund
hence ur spouse will eligible for widow pension [ while on death] & ur also eligible for diseble pention irrespect of 10 yrs service
V K Rao

From India, Guntur

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