EPS Pension Withdrawal and Scheme Certificate (Form 10C)
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With less than 10 years of pension service you can take the pension money as a lump sum, the withdrawal benefit (old Form 10C), at 58 or after 36 months without a job. If you might work again in a covered job, a scheme certificate is often better: it keeps your service alive so you can reach 10 years and a lifelong pension.
Withdraw or keep the service?
Under 10 years
- Withdrawal benefit: a lump sum based on service and wages; ends your pension service.
- Scheme certificate: no money now; your service is carried to the next job and counts towards 10 years.
- Planning to work again? Keep the service. Leaving work for good? The withdrawal benefit may suit you.
10 years or more
No lump sum. You get a monthly pension from 58 (reduced from 50). See apply for pension.
Claim the withdrawal benefit
- 36 months out of work, or age 58
- Online claim: pension withdrawal (Form 10C)
- Aadhaar OTP; claim settled
Steps: online claim. Under the 2026 rules the wait after leaving a job rose from 2 months to 36 months.
Frequently asked questions
How much will I get as withdrawal benefit?
It is worked out from your service and pensionable salary using a table in the pension scheme, not simply the contributions in the pension column.
Can I take the withdrawal benefit with 10 years of service?
No. With 10 or more years you get a monthly pension instead; you can ask for a scheme certificate to record your service.
Sources
- PIB, 13 Oct 2025 (final pension withdrawal from 2 to 36 months).
- EPFO: Pension Scheme.