How to Withdraw Multiple Services Pension Contribution | Eligibility & Process
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Eligibility and Process to Withdraw EPS for Multiple Service Employees
If You Have Less Than 9.5 Years of Service (Regardless of Age)
You can withdraw the EPS amount by submitting Form 10C along with Form 19.
This is allowed irrespective of whether you have reached 58 years of age or not.
If You Have 9.5 Years of Service but Have Not Reached 50 or 58 Years of Age
EPS withdrawal is not allowed.
Instead, you will receive a monthly pension after reaching:
50 years (Reduced Pension)
58 years (Full Pension)
In this case, you can withdraw only the EPF contribution by applying Form 19.
You must apply Form 10C for a Scheme Certificate, which will help you receive the pension later.
If You Reach 50 or 58 Years of Age and Have 9.5 Years of Service
If your total service (including all Member IDs) is 9.5 years or more, you can apply for a pension by submitting Form 10D.
EPS withdrawal (pension amount withdrawal) is not allowed.
How to Withdraw EPS for Multiple Service Periods?
If you have worked in multiple companies and changed jobs multiple times, your EPS contributions must be linked correctly before withdrawal. Here’s how:
Case: If You Have Multiple PF Accounts
If your old PF accounts were not transferred when you switched jobs, you may have separate EPS contributions in different accounts.
To withdraw:
First, merge your old PF accounts by submitting Form 13 on the EPFO portal.
Once merged, you can apply for Form 10C under your last employer, where all accounts have been consolidated.
Note: When you transfer your PF accounts (Member IDs), only the EPF contribution is transferred along with the service details. However, at the time of settlement via Form 10C, the EPFO will settle the EPS contributions of all the merged accounts under the final Member ID.
