Dear All,
My father left his job 11 years ago, and he received his PF amount. Now, he is a businessman and wants to claim Family Pension. He is 54 years old. Does he have to fill Form 10C and apply to avail pension from his previous employer, or is there a different procedure for availing pension? How long does it take to start receiving the pension amount?
Regards,
Ashish
9748094316
ashish_ihm2008@yahoo.com
From India, Calcutta
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11My father left his job 11 years ago, and he received his PF amount. Now, he is a businessman and wants to claim Family Pension. He is 54 years old. Does he have to fill Form 10C and apply to avail pension from his previous employer, or is there a different procedure for availing pension? How long does it take to start receiving the pension amount?
Regards,
Ashish
9748094316
ashish_ihm2008@yahoo.com
From India, Calcutta
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Dear Ashish,
First, you should check whether he has claimed all the accumulations in EPF and EPS. If he retired during 2000, he must have contributed to EPS since November 1995. If he has not claimed and opts for a Scheme Certificate (for both EPF and EPS), he is now eligible for reduced pension. Please check the documents available with you and get back to me.
S. Sethupathy
Excellent HR Services
Erode-1
From India, Selam
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First, you should check whether he has claimed all the accumulations in EPF and EPS. If he retired during 2000, he must have contributed to EPS since November 1995. If he has not claimed and opts for a Scheme Certificate (for both EPF and EPS), he is now eligible for reduced pension. Please check the documents available with you and get back to me.
S. Sethupathy
Excellent HR Services
Erode-1
From India, Selam
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Dear Ashish,
He retired in 1999 and has contributed to EPF until that time. He has claimed his PF but not his pension amount. Thus, what is he required to do to claim his pension at a reduced rate?
Regards,
Ashish
From India, Calcutta
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He retired in 1999 and has contributed to EPF until that time. He has claimed his PF but not his pension amount. Thus, what is he required to do to claim his pension at a reduced rate?
Regards,
Ashish
From India, Calcutta
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Dear Ashish, Then your father can use Form 10D, along with required documents. I am enclosing the Form 10D S.Sethupathy, Erode.
From India, Selam
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From India, Selam
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Dear , Thank u for your support, but i knew that Form 10 D ia required for persons who are expired , or it is used by caliming pension, Kindly Clarify regards ashish
From India, Calcutta
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From India, Calcutta
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Dear Ashish, Please mark a tick in the first box under member pension. this form can be used for claiming member pension also. S.Sethupathy,
From India, Selam
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From India, Selam
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Dear Ashish Ji,
Please follow the guidance of Shri S. Sethupathy Ji. Use form 10-D only.
I also request the seniors to please tell us which one is more beneficial - reduced pension (eligible from any date now) or superannuation pension (eligible after completion of 58 years of age), in your father's case.
From India, Pune
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Please follow the guidance of Shri S. Sethupathy Ji. Use form 10-D only.
I also request the seniors to please tell us which one is more beneficial - reduced pension (eligible from any date now) or superannuation pension (eligible after completion of 58 years of age), in your father's case.
From India, Pune
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Dear Shyam Agrawal,
The early pension or reduced pension will be started only after the age of 50. The pension amount will be reduced by 4% progressively for every year short of 58 years of age. It is advisable to opt for superannuated pension rather than a reduced pension. You can try this website for the calculation of pension and reduced pension:
[Calculate your pension and Withdrawal Benefit](http://www.epfkerala.in/calcpenwb.html)
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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The early pension or reduced pension will be started only after the age of 50. The pension amount will be reduced by 4% progressively for every year short of 58 years of age. It is advisable to opt for superannuated pension rather than a reduced pension. You can try this website for the calculation of pension and reduced pension:
[Calculate your pension and Withdrawal Benefit](http://www.epfkerala.in/calcpenwb.html)
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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Dear Sethupathy,
Can you let me know if I have contributed to PF for 3 years? I am leaving this company and moving forward. In my new company, they don't have PF. What do you suggest I do to withdraw the total EPF? Can I benefit from a pension after I turn 50 or 58 years old as in the above case?
Thanks,
Shiv
From India, Gurgaon
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Can you let me know if I have contributed to PF for 3 years? I am leaving this company and moving forward. In my new company, they don't have PF. What do you suggest I do to withdraw the total EPF? Can I benefit from a pension after I turn 50 or 58 years old as in the above case?
Thanks,
Shiv
From India, Gurgaon
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Dear Shiv,
You can withdraw your EPF account fully and opt for a Scheme Certificate for the EPS amount. In later years, if you join a company where PF is in operation, you can surrender your Scheme Certificate and serve for an additional 7 years to be eligible for a pension.
S. Sethupathy, Erode.
From India, Selam
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You can withdraw your EPF account fully and opt for a Scheme Certificate for the EPS amount. In later years, if you join a company where PF is in operation, you can surrender your Scheme Certificate and serve for an additional 7 years to be eligible for a pension.
S. Sethupathy, Erode.
From India, Selam
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Dear Sethupathy,
What is the procedure for opting for a scheme certificate in EPS (EPF)? What is the minimum number of years of service that an employee needs to put in to opt for a scheme certificate?
Regards,
Nevil Diaz J V
From India, Bangalore
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What is the procedure for opting for a scheme certificate in EPS (EPF)? What is the minimum number of years of service that an employee needs to put in to opt for a scheme certificate?
Regards,
Nevil Diaz J V
From India, Bangalore
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Dear Nevil Diaz,
You can opt for either withdrawal (for less than 9.5 years of service) or for a Scheme certificate while applying through Form 10C. Once you have contributed for 10 years, you have no option to withdraw the EPS accumulations. You are required to put at least 6 months of service before applying for withdrawal or a Scheme Certificate.
S. Sethupathy, Erode.
From India, Selam
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You can opt for either withdrawal (for less than 9.5 years of service) or for a Scheme certificate while applying through Form 10C. Once you have contributed for 10 years, you have no option to withdraw the EPS accumulations. You are required to put at least 6 months of service before applying for withdrawal or a Scheme Certificate.
S. Sethupathy, Erode.
From India, Selam
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Hi,
I too have a question regarding EPF. I worked in a company in Chennai for 10 months and another company in Bangalore for 13 months. I have applied for and collected my PF amount from ESI after resignation. Currently, I am working in GCC.
My question is, am I eligible for a pension under prevailing laws since I contributed for 20 months in two different states? Can anyone clarify this, please?
From Oman, Muscat
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I too have a question regarding EPF. I worked in a company in Chennai for 10 months and another company in Bangalore for 13 months. I have applied for and collected my PF amount from ESI after resignation. Currently, I am working in GCC.
My question is, am I eligible for a pension under prevailing laws since I contributed for 20 months in two different states? Can anyone clarify this, please?
From Oman, Muscat
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Dear Kamaraj,
A minimum of 10 years of service is required for EPS pension. The Scheme Certificate serves as a bridge to cover any gaps in the years of service, ultimately leading to the completion of 10 years. Once you have completed 10 years of service as a member of EPS, you will become eligible for a pension.
I hope this clarifies the process.
S. Sethupathy
Erode.
From India, Selam
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A minimum of 10 years of service is required for EPS pension. The Scheme Certificate serves as a bridge to cover any gaps in the years of service, ultimately leading to the completion of 10 years. Once you have completed 10 years of service as a member of EPS, you will become eligible for a pension.
I hope this clarifies the process.
S. Sethupathy
Erode.
From India, Selam
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Dear All,
I have gone through the answers of Mr. S. Sethupathy of Erode. He has aptly and clearly answered all the queries. The questioners may follow his guidelines.
Mr. Kamaraj, you have indicated, "you have collected your PF amount from ESI!! How is this possible??"
Regards,
K. Ramachandra
Bangalore
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I have gone through the answers of Mr. S. Sethupathy of Erode. He has aptly and clearly answered all the queries. The questioners may follow his guidelines.
Mr. Kamaraj, you have indicated, "you have collected your PF amount from ESI!! How is this possible??"
Regards,
K. Ramachandra
Bangalore
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Hi Shyam, I have clarification with regard PF dept at Pune, will you be able to clarify me. Please give me your email id or Mobile number to get in touch with you. Regards, Gem
From India, Bangalore
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From India, Bangalore
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Pension is admissible only if one completes 10 years of contributing service under EPS, INCLUDING SERVICE RENDERED UNDER EFPS 1971 (May be in parts).
Mr. Ashish has not mentioned the length of the contributory period (length of service period).
Mr. Sethupathy has amply clarified the provisions. Form 10-C is required for claiming pension. It will be of no use to ask for a Scheme Certificate at this stage when no contribution is being paid.
FOR FURTHER CLARIFICATIONS, PLEASE GO THROUGH THE WEBSITE OF EPFO.
CHANDOK - Ex RPFC
From India, Chandigarh
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Mr. Ashish has not mentioned the length of the contributory period (length of service period).
Mr. Sethupathy has amply clarified the provisions. Form 10-C is required for claiming pension. It will be of no use to ask for a Scheme Certificate at this stage when no contribution is being paid.
FOR FURTHER CLARIFICATIONS, PLEASE GO THROUGH THE WEBSITE OF EPFO.
CHANDOK - Ex RPFC
From India, Chandigarh
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Dear Mr. S. Sethupathy,
Thank you for the excellent Pension calculation sheet. However, could you please clarify if a member who joined after 15.11.1995 can input zero as the wages as of 15.11.1995? When the column is filled with zero, the calculation sheet seems to malfunction.
Regards, M. V. Kannan
From India, Madras
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Thank you for the excellent Pension calculation sheet. However, could you please clarify if a member who joined after 15.11.1995 can input zero as the wages as of 15.11.1995? When the column is filled with zero, the calculation sheet seems to malfunction.
Regards, M. V. Kannan
From India, Madras
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Dear Sethupathy,
I worked in one organization for 3 years. Then, I withdrew the money from that office. Subsequently, I worked in another office for 1 year before withdrawing my money. After that, I joined another company for only 4 months. However, the accountant has informed me that I wouldn't be eligible to receive any PF money because I worked for only 4 months. Are there any conditions regarding PF eligibility, such as a requirement to work for at least 6 months? Please clarify.
Regards,
Vijaya
From India, Delhi
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I worked in one organization for 3 years. Then, I withdrew the money from that office. Subsequently, I worked in another office for 1 year before withdrawing my money. After that, I joined another company for only 4 months. However, the accountant has informed me that I wouldn't be eligible to receive any PF money because I worked for only 4 months. Are there any conditions regarding PF eligibility, such as a requirement to work for at least 6 months? Please clarify.
Regards,
Vijaya
From India, Delhi
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Hello Vijaya,
You are eligible to withdraw PF money. However, to withdraw EPS money, you have to complete 6 months; if less than 6 months, the amount will be forfeited. Nevertheless, you can opt for the transfer of EPS when you join a new company.
Regards,
K. Ramachandra
Bangalore
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You are eligible to withdraw PF money. However, to withdraw EPS money, you have to complete 6 months; if less than 6 months, the amount will be forfeited. Nevertheless, you can opt for the transfer of EPS when you join a new company.
Regards,
K. Ramachandra
Bangalore
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Thank q very much Ramachnadra, but now i have joined, due to lack of knwledge on this i have 'nt do that transfer part this new oranisation has opened new PF account. regards Vijaya
From India, Delhi
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From India, Delhi
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Dear Sethupathyji,
My husband served for 2 and a half years for the Bangalore-based company. He resigned from the company in April 2007. However, he has been facing challenges in withdrawing his PF amount till today. We have submitted the PF withdrawal forms duly signed thrice. Can you please advise on the next steps we should take to withdraw this money?
Thank you for your assistance.
Best regards,
[Your Name]
From India, Ahmadabad
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My husband served for 2 and a half years for the Bangalore-based company. He resigned from the company in April 2007. However, he has been facing challenges in withdrawing his PF amount till today. We have submitted the PF withdrawal forms duly signed thrice. Can you please advise on the next steps we should take to withdraw this money?
Thank you for your assistance.
Best regards,
[Your Name]
From India, Ahmadabad
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Dear Asnaik,
Your husband can apply in Form 19 and 10C after getting a signature from a gazetted officer or his bank manager and send the forms to the concerned PF Office. In turn, they can collect the required details from his ex-employer. All he has to do is fill up the known columns like his personal details, Date of Joining, Date of relieving, PF No., etc., and leave the unknown columns.
I am enclosing the above-referred forms with filled-up details.
All the best,
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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Your husband can apply in Form 19 and 10C after getting a signature from a gazetted officer or his bank manager and send the forms to the concerned PF Office. In turn, they can collect the required details from his ex-employer. All he has to do is fill up the known columns like his personal details, Date of Joining, Date of relieving, PF No., etc., and leave the unknown columns.
I am enclosing the above-referred forms with filled-up details.
All the best,
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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Dear Kannan,
You can try with four zeros in that column. It is an APPROXIMATE PENSION OR WITHDRAWAL AMOUNT. Here the PF authorities have taken 3/Year instead of 4/Year in the cases of reduced pension.
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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You can try with four zeros in that column. It is an APPROXIMATE PENSION OR WITHDRAWAL AMOUNT. Here the PF authorities have taken 3/Year instead of 4/Year in the cases of reduced pension.
S. Sethupathy, Excellent HR Services, Erode.
From India, Selam
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Dear Vijaya,
If you have not withdrawn your PF or EPS from your earlier employer, please contact your current employer (HR department) and fill up Form 13. Through this, your earlier PF gets transferred to the current PF account, and you will not lose any amount.
Regards, K. Ramachandra Bangalore
Dear Asnaik,
You can do as suggested by Mr. Sethupathy and submit Form 19 and 10 C once again. However, I suggest you try one more thing before that. If you have a copy of either Form 19 & 10-C submitted or if you have the acknowledgment from RPFC for having submitted the application earlier, please book a complaint in the grievance at EPFO website. It will work. I have my brother's case who was working in Bangalore but his PF/EPS was getting deposited in their HO at Bhopal, MP. When I suggested he book this case on the EPFO website, what did not happen for 2 years, happened within 2 months. It is a powerful tool. Please try!
Regards, K. Ramachandra Bangalore
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If you have not withdrawn your PF or EPS from your earlier employer, please contact your current employer (HR department) and fill up Form 13. Through this, your earlier PF gets transferred to the current PF account, and you will not lose any amount.
Regards, K. Ramachandra Bangalore
Dear Asnaik,
You can do as suggested by Mr. Sethupathy and submit Form 19 and 10 C once again. However, I suggest you try one more thing before that. If you have a copy of either Form 19 & 10-C submitted or if you have the acknowledgment from RPFC for having submitted the application earlier, please book a complaint in the grievance at EPFO website. It will work. I have my brother's case who was working in Bangalore but his PF/EPS was getting deposited in their HO at Bhopal, MP. When I suggested he book this case on the EPFO website, what did not happen for 2 years, happened within 2 months. It is a powerful tool. Please try!
Regards, K. Ramachandra Bangalore
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Dear Ramachandra,
One thing that was not clear is I worked in Health Care Ltd. where I worked for only 5 months. There, I asked the accountant if I would get the PF for the 5 months, and he said no. He mentioned that one should work at least 6 months to be eligible for PF. In this case, what should I do?
Regards,
Vijaya Guguloth
From India, Delhi
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One thing that was not clear is I worked in Health Care Ltd. where I worked for only 5 months. There, I asked the accountant if I would get the PF for the 5 months, and he said no. He mentioned that one should work at least 6 months to be eligible for PF. In this case, what should I do?
Regards,
Vijaya Guguloth
From India, Delhi
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Dear Vijaya,
I am writing to reconfirm that you can receive your PF for 5 months. However, only EPS will not be provided. It seems the person who informed you may not be fully aware of this. To proceed, please submit form 19 for withdrawal or fill in form 13 for transferring both PF and EPS with your current employer.
Regards, K. Ramachandra Bangalore
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I am writing to reconfirm that you can receive your PF for 5 months. However, only EPS will not be provided. It seems the person who informed you may not be fully aware of this. To proceed, please submit form 19 for withdrawal or fill in form 13 for transferring both PF and EPS with your current employer.
Regards, K. Ramachandra Bangalore
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Dear Mr. Ramachandra,
I have applied for PF withdrawal earlier to claim the amount. Now, if I continue my service in India for 8 or more years to make a total of 10 years of service, only then will I be eligible to apply for a pension. Am I right?
Thank you to both Mr. Sethupathy and Mr. Ramachandra for responding with detailed explanations.
From Oman, Muscat
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I have applied for PF withdrawal earlier to claim the amount. Now, if I continue my service in India for 8 or more years to make a total of 10 years of service, only then will I be eligible to apply for a pension. Am I right?
Thank you to both Mr. Sethupathy and Mr. Ramachandra for responding with detailed explanations.
From Oman, Muscat
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Dear Mr. Kamaraj,
You have indicated in your earlier post that you have withdrawn PF for 10 months and 13 months that you have worked. Since you had not completed 10 years here and also as your service was more than 6 months, probably, you must have also received EPS amount along with PF amount. Because at the time of submitting PF claim form, I presume that you would have also submitted 10-C to claim EPS. I do not know if you are aware of this. So please check with your previous employers if the amount received by you includes EPS also and whether they got 10-C also signed from you. If it is so, then only the current experience of 8 years would be taken as pensionable service and earlier experience will not be counted.
The earlier experience would be counted only if you have submitted Form-13 with the current employer and have sought transfer of EPS (though you have withdrawn PF from earlier companies) to the current account. So you have to first clarify whether you have opted for EPS withdrawal also or only PF and whether you have submitted Form-13 with the current employer if you have not withdrawn your EPS earlier and have sought transfer.
Also, you will be eligible for a pension only on completion of 10 years of pensionable service and that too only after attaining the age of 50 and leaving the job.
Hope the matter is clear.
Regards,
K. Ramachandra
Bangalore
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You have indicated in your earlier post that you have withdrawn PF for 10 months and 13 months that you have worked. Since you had not completed 10 years here and also as your service was more than 6 months, probably, you must have also received EPS amount along with PF amount. Because at the time of submitting PF claim form, I presume that you would have also submitted 10-C to claim EPS. I do not know if you are aware of this. So please check with your previous employers if the amount received by you includes EPS also and whether they got 10-C also signed from you. If it is so, then only the current experience of 8 years would be taken as pensionable service and earlier experience will not be counted.
The earlier experience would be counted only if you have submitted Form-13 with the current employer and have sought transfer of EPS (though you have withdrawn PF from earlier companies) to the current account. So you have to first clarify whether you have opted for EPS withdrawal also or only PF and whether you have submitted Form-13 with the current employer if you have not withdrawn your EPS earlier and have sought transfer.
Also, you will be eligible for a pension only on completion of 10 years of pensionable service and that too only after attaining the age of 50 and leaving the job.
Hope the matter is clear.
Regards,
K. Ramachandra
Bangalore
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Gazette Notification EPF Withdrawal-Circ ular-No.-WSU-39 12017-Housing-S cheme.pdf
EPF Pension.xls