EPFO Forms 10C, 10D, 19, and 31 usage in pension and during withdrawal

If you’re a salaried employee in India, you likely contribute to the Employees’ Provident Fund (EPF) every month. This retirement savings scheme is funded by both the employee and the employer. Over time, your contributions grow with interest, and the accumulated amount can be withdrawn either as a lump sum or in the form of a monthly pension—depending on your service history and eligibility.

To make any withdrawal or claim under the EPF or Employees’ Pension Scheme (EPS), the Employees’ Provident Fund Organisation (EPFO) has designated specific forms. The most commonly used are Forms 10C, 10D, 19, and 31. Let’s understand what each form is used for.

Form 10C – For EPS Withdrawal (Less than 10 Years of Service)

If you have worked for less than 10 years, you are not eligible for a monthly pension under EPS. In this case, you can withdraw the pension amount using Form 10C.

You can also use this form to request a Scheme Certificate, which allows you to transfer your EPS service history if you join a new employer.

Form 10D – To Claim Monthly Pension (After 10 Years of Service)

Once you complete 10 years of continuous service, you become eligible for a monthly pension from EPFO after retirement. To start receiving this pension, you need to submit Form 10D.

This form is also used by nominees or dependents in case of the employee’s demise.

Form 19 – For Full EPF Withdrawal

Use Form 19 if you want to withdraw your entire EPF balance after:

• Retirement

• Resignation (after 2 months of unemployment)

It is used for the final settlement of your EPF account.

Form 31 – For Partial EPF Withdrawal

Form 31 is meant for partial withdrawals or advances from your EPF account for specific purposes such as:

• Medical treatment

• Home purchase or renovation

• Marriage or the education of children

The withdrawal limits and eligibility vary depending on the reason.

Conclusion

Always check your eligibility before applying and ensure your KYC details (Aadhaar, PAN, bank account) are updated on the EPFO portal for a smooth claim process.

By choosing the right form for the right situation, you can manage your EPF savings more efficiently and avoid unnecessary delays.