{"id":29453,"date":"2025-06-15T16:23:21","date_gmt":"2025-06-15T10:53:21","guid":{"rendered":"https:\/\/carajput.com\/blog\/?p=29453"},"modified":"2025-08-20T17:56:17","modified_gmt":"2025-08-20T12:26:17","slug":"understanding-pf-withdrawal-vs-pension-eps-claim","status":"publish","type":"post","link":"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/","title":{"rendered":"Understanding PF Withdrawal vs. Pension (EPS) Claim"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_58 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<p class=\"ez-toc-title\">Page Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69d6198532b50\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69d6198532b50\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#Understanding_PF_Withdrawal_vs_Pension_EPS_Claim\" title=\"Understanding PF Withdrawal vs. Pension (EPS) Claim\">Understanding PF Withdrawal vs. Pension (EPS) Claim<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#Employees_Pension_Scheme\" title=\"Employees\u2019 Pension Scheme :\">Employees\u2019 Pension Scheme :<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#PF_Withdrawal_vs_Pension_EPS_Claim\" title=\"PF Withdrawal vs. Pension (EPS) Claim \">PF Withdrawal vs. Pension (EPS) Claim <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#How_to_Withdraw_Employees_Pension_Scheme_if_Service_%3C_10_Years\" title=\"How to Withdraw Employees\u2019 Pension Scheme if Service &lt; 10 Years\">How to Withdraw Employees\u2019 Pension Scheme if Service &lt; 10 Years<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#What_is_NOT_Included_in_PF_Withdrawal\" title=\"What is NOT Included in PF Withdrawal?\">What is NOT Included in PF Withdrawal?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#EPS_Pension_How_to_Claim_It_Separately\" title=\"EPS Pension: How to Claim It Separately?\">EPS Pension: How to Claim It Separately?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#If_PF_is_Already_Withdrawn_Can_You_Access_EPS\" title=\"If PF is Already Withdrawn, Can You Access EPS?\">If PF is Already Withdrawn, Can You Access EPS?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#Check_if_Employees_Pension_Scheme_is_Transferred_or_Stuck\" title=\"Check if Employees\u2019 Pension Scheme is Transferred or Stuck : \">Check if Employees\u2019 Pension Scheme is Transferred or Stuck : <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#Employee_can_changing_jobs_via_Annexure-K\" title=\"Employee can changing jobs via Annexure-K \u00a0: \">Employee can changing jobs via Annexure-K \u00a0: <\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/carajput.com\/blog\/understanding-pf-withdrawal-vs-pension-eps-claim\/#Conclusion\" title=\"Conclusion \u00a0\u00a0\">Conclusion \u00a0\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-29454\" src=\"https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23.jpg\" alt=\"Employees\u2019 Pension Scheme\" width=\"1090\" height=\"1090\" srcset=\"https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23.jpg 1090w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23-300x300.jpg 300w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23-1024x1024.jpg 1024w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23-150x150.jpg 150w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23-768x768.jpg 768w, https:\/\/carajput.com\/blog\/wp-content\/uploads\/2025\/06\/photo_2025-06-15_14-23-23-800x800.jpg 800w\" sizes=\"(max-width: 1090px) 100vw, 1090px\" \/><\/h2>\n<h2><span class=\"ez-toc-section\" id=\"Understanding_PF_Withdrawal_vs_Pension_EPS_Claim\"><\/span><span style=\"color: #000080;\"><strong>Understanding PF Withdrawal vs. Pension (EPS) Claim<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>How employees often withdraw their Employees Provident Fund but ignore the Employees\u2019 Pension Scheme component, risking their eligibility for pension benefits. \u00a0PF Contribution Breakdown :<\/p>\n<ul>\n<li>Employee Contribution (12% of Basic Pay) \u2192 Entirely goes to EPF.<\/li>\n<li>Employer Contribution (12% of Basic Pay) \u2192 Split into:\n<ul>\n<li>3.67% to EPF<\/li>\n<li>8.33% to Employees\u2019 Pension Scheme<\/li>\n<\/ul>\n<\/li>\n<li>When you withdraw your Provident Fund, only Employees Provident Fund amount is released. Employees\u2019 Pension Scheme contribution stays unless specifically withdrawn or transferred.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Employees_Pension_Scheme\"><\/span><span style=\"color: #000080;\"><strong>Employees\u2019 Pension Scheme :<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>we needed to know that only service history is transferred, not the Employees\u2019 Pension Scheme balance. Employees\u2019 Pension Scheme entries are listed separately in passbook for each employer. Employees\u2019 Pension Scheme can be withdrawn if service is less than 10 years. Otherwise, one must wait till retirement to receive monthly pension benefits (after 58 years of age, 10 years of service). Types of Employers :<\/p>\n<ul>\n<li>Exempt Employers: Manage Employees Provident Fund via private trust; EPS via EPFO.<\/li>\n<li>Non-exempt Employers: Employees Provident Fund office manages both Employees Provident Fund and Employees\u2019 Pension Scheme<strong>\u00a0<\/strong><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"PF_Withdrawal_vs_Pension_EPS_Claim\"><\/span><span style=\"color: #000080;\"><strong>PF Withdrawal vs. Pension (EPS) Claim <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>EPF Withdrawal : <\/strong>When you withdraw your Provident Fund, Employee get Employee contribution, Employer\u2019s contribution to EPF, Interest earned and it does not include pension (EPS) amount<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_to_Withdraw_Employees_Pension_Scheme_if_Service_%3C_10_Years\"><\/span><span style=\"color: #000080;\"><strong>How to Withdraw Employees\u2019 Pension Scheme if Service &lt; 10 Years<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Exempt Employers:\n<ul>\n<li>Withdraw via EPFO member portal.<\/li>\n<li>May need to approach employer as well.<\/li>\n<\/ul>\n<\/li>\n<li>Non-exempt Employers:\n<ul>\n<li>Apply online via Employees Provident Fund office Portal.<\/li>\n<li>Both Employees Provident Fund and Employees\u2019 Pension Scheme withdrawn together.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"What_is_NOT_Included_in_PF_Withdrawal\"><\/span><span style=\"color: #000080;\"><strong>What is NOT Included in PF Withdrawal?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The 8.33% employer contribution to EPS (Employees&#8217; Pension Scheme) is not withdrawn automatically. It stays with the EPFO and is meant for pension after retirement.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"EPS_Pension_How_to_Claim_It_Separately\"><\/span><span style=\"color: #000080;\"><strong>EPS Pension: How to Claim It Separately?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Employees&#8217; Pension Scheme Eligibility Criteria have been Minimum 10 years of eligible service. And Employees Retirement age: 58 years (or early pension at 50 years with a reduction).<\/li>\n<li>To Claim Monthly Employees&#8217; Pension : Form 10D must be submitted to the EPFO.<\/li>\n<li>Employees&#8217; Pension Scheme Documents requirment :\n<ul>\n<li>Identity Proof (Aadhaar, PAN, etc.)<\/li>\n<li>Bank Account Details (for pension credit)<\/li>\n<li>Service Certificate (if required)<\/li>\n<li>Pension Scheme Certificate (especially when claiming post-retirement)<\/li>\n<\/ul>\n<\/li>\n<li>Employees&#8217; Pension Scheme Timeline: After retirement and submission of Form 10D, EPFO typically takes a few weeks to process and issue pension disbursement notifications.<\/li>\n<li>After Leaving a Job (Non-Retirement):<\/li>\n<\/ul>\n<table style=\"height: 296px;\" width=\"886\">\n<thead>\n<tr>\n<td>Action<\/td>\n<td>Waiting Period<\/td>\n<td>Form to Use<\/td>\n<td>Notes<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>PF Withdrawal<\/td>\n<td>2 months<\/td>\n<td>Form 19<\/td>\n<td>Only EPF portion is released<\/td>\n<\/tr>\n<tr>\n<td>EPS Withdrawal<\/td>\n<td>&lt; 10 years<\/td>\n<td>Form 10C<\/td>\n<td>One-time withdrawal of EPS<\/td>\n<\/tr>\n<tr>\n<td>EPS Pension Claim<\/td>\n<td>\u2265 10 years<\/td>\n<td>Form 10D<\/td>\n<td>Monthly pension after retirement<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><span class=\"ez-toc-section\" id=\"If_PF_is_Already_Withdrawn_Can_You_Access_EPS\"><\/span><span style=\"color: #000080;\"><strong>If PF is Already Withdrawn, Can You Access EPS?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>In case Exempt Employers: Can still withdraw Employees\u2019 Pension Scheme by:<\/li>\n<\/ul>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Filling Form 13 and getting employer\u2019s authentication.<\/li>\n<li>Submitting pension scheme certificate (Form 10C).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>In case Non-exempt Employers:\n<ul>\n<li>EPS transfer is not possible after EPF withdrawal.<\/li>\n<li>No option to claim unless pension certificate is issued.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ul>\n<li>Employees\u2019 Pension Scheme Certificate : Certifies Employees\u2019 Pension Scheme membership and service period. And Used to claim pension after retirement.<strong>\u00a0<\/strong><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Check_if_Employees_Pension_Scheme_is_Transferred_or_Stuck\"><\/span><span style=\"color: #000080;\"><strong>Check if Employees\u2019 Pension Scheme is Transferred or Stuck : <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>No way to directly view past Employees\u2019 Pension Scheme status.<\/li>\n<li>Fetch Annexure-K a few days after initiating transfer.<\/li>\n<li>Especially important when transferring from exempt employers.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Employee_can_changing_jobs_via_Annexure-K\"><\/span><span style=\"color: #000080;\"><strong>Employee can changing jobs via Annexure-K \u00a0: <\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Shows PF amount, Service history &amp; Employment details<\/li>\n<li>Only shows last 2 employers, not entire history.<\/li>\n<li>Downloadable from member portal.<\/li>\n<li>Employees Provident Fund office issues it without much hassle.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span style=\"color: #000080;\"><strong>Conclusion \u00a0\u00a0<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>If Employee have switched jobs, withdrawn Provident Fund, or are nearing 10 years of service, review your Employees\u2019 Pension Scheme status today. Ignoring employees\u2019 pension schemes now could mean loss of lifelong pension benefits later.<\/li>\n<li>Track and transfer employees\u2019 pension schemes when changing jobs via Annexure-K. Don\u2019t withdraw Employees\u2019 Pension Scheme prematurely if you&#8217;re likely to complete 10 years of service\u2014you could lose lifetime pension eligibility.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Understanding PF Withdrawal vs. Pension (EPS) Claim How employees often withdraw their Employees Provident Fund but ignore the Employees\u2019 Pension Scheme component, risking their eligibility for pension benefits. \u00a0PF Contribution Breakdown : Employee Contribution (12% of Basic Pay) \u2192 Entirely goes to EPF. Employer Contribution (12% of Basic Pay) \u2192 Split into: 3.67% to EPF &hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9933],"tags":[9020],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/posts\/29453"}],"collection":[{"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/comments?post=29453"}],"version-history":[{"count":2,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/posts\/29453\/revisions"}],"predecessor-version":[{"id":29456,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/posts\/29453\/revisions\/29456"}],"wp:attachment":[{"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/media?parent=29453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/categories?post=29453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/carajput.com\/blog\/wp-json\/wp\/v2\/tags?post=29453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}