Form 10C is the claim a member files to take out the pension part of their provident fund, or to get a scheme certificate instead, after leaving a job with less than 10 years of eligible service. There is no paper form to post any more: on the UAN Member e-Sewa portal it shows up as a claim type, “Only Pension Withdrawal (Form 10C)”.

Cash out or carry forward

Under paragraph 13 of the Employees’ Pension Scheme, 2026, which replaced EPS 1995 on 29 June 2026, a member who exits short of 10 years has two choices:

• Withdrawal benefit: a lump sum worked out as wages at exit multiplied by a factor from Table IV of the scheme, which goes by completed months of service.
• Scheme certificate: a record of your pensionable service, wages and the pension due on the exit date. When you join another covered employer, that earlier service is added to the new spell, which keeps you moving towards the 10 years needed for a monthly pension.

The big change is timing. The 2026 scheme says a member who exits before superannuation can take the withdrawal benefit only 36 months after the last contribution fell due, or on reaching superannuation if that comes first. Under the old practice members could claim after about two months out of work, so anyone telling a leaver “file 10C after two months” is giving outdated advice.

A quick illustration: someone with 36 months of service whose wages stayed at Rs 15,000 throughout gets the Table IV factor of 2.98, so Rs 15,000 x 2.98 = Rs 44,700. Where the wage ceiling changed during service, the scheme uses a weighted average of wages at the end of each ceiling period, so expect a different figure.

Filing it on the portal

Log in with your UAN, go to Online Services and pick the composite claim (Form-31, 19, 10C and 10D). Aadhaar, PAN and bank details need to be seeded and approved, and the former employer must have marked your date of exit. Most leavers file this alongside the Form 19 final PF settlement, since Form 19 covers only the EPF balance, not the pension money.

Frequently asked questions

Should I withdraw or take the scheme certificate?

If you expect to keep working in EPFO-covered jobs, the certificate (or simply a PF transfer) usually serves you better, because it protects the service count towards a lifelong pension, while the lump sum ends that service.

What if I already have 10 years of service?

Then the withdrawal option is gone. The money stays locked for a monthly pension, claimed on Form 10D at superannuation, or as a reduced early pension from age 50, and the pensionable salary and service rules decide the amount.

Does the employer need to sign Form 10C?

Not on the Aadhaar-based online route. The employer’s role is to update your exit date correctly during full and final settlement; a paper claim with employer attestation is only for members who cannot use the online route.

For the other numbered claims and which ones still matter, see our EPF forms guide.