PF & pension (EPS) after 10 years of service — how withdrawal works

Two pots — EPF and EPS

Your PF has the EPF (provident fund — your + employer's contribution) and the EPS (pension). They're withdrawn differently.

After 10 years of service

• EPS (pension): with 10+ years of eligible service you cannot withdraw it as a lump sum — you qualify for a monthly pension from age 58 (reduced pension can start from 50). Take a Scheme Certificate to protect this if you change/leave jobs.
• EPF (provident): you can withdraw the EPF balance on leaving employment (and after 5 years it's tax-free).

Under 10 years of service

You can take the EPS as a withdrawal benefit (Form 10C), or keep a scheme certificate to carry the service forward.

How to withdraw full PF after 10 years

1. Make sure your date of exit is marked and KYC is verified.
2. File Form 19 for the EPF (provident) amount.
3. For the pension, you can't cash it out — apply for monthly pension via Form 10D at 58, or hold a scheme certificate until then.

Do you file two separate forms for PF and pension?

Yes — Form 19 (EPF) and the pension form (Form 10C withdrawal benefit if under 10 years, or Form 10D for pension after 10 years). The online composite claim lets you raise them together.

Does a PF transfer also move the pension?

Yes — when you transfer your PF, your pensionable service is carried forward too (via the transfer/Annexure-K), so your years count towards the 10-year pension threshold.