Navigating PF and Pension Fund Withdrawal: Should I Cash Out Now or Wait for Retirement?

Hi there, recently, I changed my employer and joined a USA firm that does not have a presence in India, so I won't have PF deductions. According to the Government website, my current EPF balance is 108610 (EE Amount) and 75027 (ER Amount).

Questions Regarding Pension Fund and PF Withdrawal

I have a few questions:
1. I want to understand where my Pension Fund balance is.
2. Would you advise me to withdraw PF and Pension Fund now or should I keep it until my retirement? (Just for your information, I am 35 years old)
3. I am aware of PF withdrawal procedures, but if I decide to, how can I withdraw Pension Funds?

Thank you.

As per your query:

1. The EE amount minus the ER amount is the total amount in your pension fund. The EE amount represents the Employee's contribution, while the ER amount is the Employer's contribution.

2. You have two options. Since it is a small amount, you can choose to withdraw it. Alternatively, you can also opt for a pension upon reaching the age of 58.

3. If you wish to withdraw your pension fund, you need to submit Form 10C. If you prefer to receive a monthly pension after turning 58, you should file Form 10D when you reach 58 years of age.

I hope this clarifies everything.