Understanding EPF Withdrawals: What Can You Access After Retirement?

Hi everyone, can anyone tell me what an employee can withdraw after retirement?

Options for Withdrawal:

1) Employee's Contribution (12% of basic)
2) Employee's Contribution (12% of basic) + Employer's Contribution (EPF)
3) Employee's Contribution (12% of basic) + Employer's Contribution (EPF) + Employee Pension Scheme (EPS)

Regards

You can withdraw the Employee contribution (12%) and the Employer contribution (12% minus EPS). If your service is below 10 years, you can withdraw the EPS amount as well. Otherwise, you have to avail of a pension.

Regards,
Abbas.P.S

Employee contribution is 12% (EPF). Employer contribution is 3.67% (EPF). Employer contribution is 8.33% (EPS).

You can withdraw PF settlement through Form 19 and EPS through Form 10C or Form 10D based on your work experience.

Regards,
Raj C

I agree with your reply to Mr. Ruphs.

Towards PF

A PF member can withdraw his accumulated PF contribution with interest thereon, plus the employer's accumulated contribution with interest thereon.

Towards EPS

If a member's service is below 10 years, he can withdraw the EPS amount (i.e., as per rules) contributed by his employer also. Otherwise, the member has to avail of a pension, as per rules.

Thanks with Regards,