Pension · EPS-95
VerifiedYou are 60 months short of a pension for life.
Ten years of qualifying service is the line between a pension for life and a one-time withdrawal.
60 months short
Service with any EPF-covered employer counts, and it need not be continuous — which is why a stray second UAN can quietly cost you this.
60 of 120 months completed
Pension contributions held
₹75,000
Paid by your employer out of their 12%, capped at a wage ceiling of ₹15,000. This is separate from your provident fund and is not part of the balance you withdraw.
What you can claim now
Form 10C
Withdrawal benefit — a one-time payment of the pension component. Taking it ends your pension service entirely.
A scheme certificate under Form 10C keeps your 5y 0m on record instead of cashing it out. If you expect to work in EPF-covered employment again, that preserved service adds to your next spell and may carry you across ten years. Withdrawing resets it to zero.
Check for other accounts first