EPF Forms

There are a number of forms related to the Employees’ Provident Fund or EPF. The EPF Forms are related to different purposes such as withdrawals or advances that a member applies for, funding of an LIC policy, and so on.
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EPF Claim Forms

  • Form 31- This pertains to withdrawals or advances that a member/employee applies for under various circumstances e.g. to fund education or marriage, housing loans, house repairs/renovation/construction etc. Details on each of these claims are elucidated below.
  • Form 14- This pertains to funding an LIC policy
  • Form 10D- This pertains to pension fund settlement through monthly pension on completion of 58 years of service with a minimum of 10 completed years of service.
  • Form 10C- This pertains to pension fund settlement through withdrawal on completion of 58 years of service without a minimum of 10 completed years of service.
  • Form 13- Transfer of EPF Account
  • Form 19- Final EPF Settlement
  • Form 20
  • Form 51F

Form 31 - EPF Withdrawals/Advances

Restrictions discourage premature withdrawals from PF accounts being a long-term savings mechanism. However, there are certain circumstances under which employees may borrow against their EPF deposits or withdraw from their accounts. These are specified below:

a. To buy or build a house for residential purposes or to buy a plot of land: As per Para 68-B of the EPF scheme, an employee can avail this facility

  • For a property that is held only in his/her own name, in the name of his/her spouse or held jointly between him/herself and his/her spouse (i.e. there should be no other joint owners)
  • To either buy or build a residential house or flat
  • Only once during his/her entire tenure of service, which can be only on completion of 5 years of service.
  • For an amount up to 36 times his/her wages (basic pay and DA) to buy or build a house or flat; for an amount up to 24 times his/her wages (basic pay and DA) to buy a plot OR the total amount of his/her EPF account share and interest OR the total cost of the house/flat/plot, the lower of the three.
  • By submitting Form-31 to his/her employer along with a signed declaration
  • If purchase is made from an agency, the amount will be paid out to the agency; for purchases made from an individual or promoter, the amount will be paid out to the employee.

b. To renovate/repair a house including making additions or removing parts of a house: As per Para 68 - B(7) of the EPF scheme, an employee can avail this facility

  • Once during his/her entire tenure of service, provided he/she has completed 5 years of service if withdrawal is for making alterations or additions to the house and 10 years of service if withdrawal is for repairing the house.
  • For property held in either his/her name, his/her spouse’s name or jointly between themselves.
  • For an amount up to 12 times his/her total wages (basic and DA) OR his/her share of EPF account balance and interest OR total cost of renovations/repairs, whichever is lower of the three
  • By submitting Form-31, duly filled and other required construction certificates as proof of such renovations/repairs viz. Annexure III for alterations or additions and Annexure XIII for house repairs.
  • The amount will be paid out to the employee

c. To repay a home loan: As per Para 68-BB of the EPF scheme, an employee can avail this facility

  • Once during his/her entire tenure of service, anytime after completing 10 years of service
  • For property held in his/her name or in his/her spouse’s name or jointly between themselves.
  • For an amount up to 36 times of his/her wages (basic and DA) OR the total amount of his/her share of EPF account balance and interest OR the total loan principal amount payable and interest, whichever is lower of the three
  • By submitting the duly filled in Form-31 and a signed declaration.
  • The amount will be paid to the agency i.e. lender

d.To pay for medical treatment: As per Para 68-j of the EPF scheme, an employee can avail this facility

  • For his/her own self or spouse or children (son or daughter) or dependent parents (father or mother).
  • Only for the following types of treatments needing hospitalization for or more than a month -

    1. In case of treatment for self-

  • Major surgery as an in-patient

  • Leprosy, TB, paralysis, mental disorders, cancer, heart problems

Only if his/her employer grants the required period of medical leave i.e. one month or more. The need for such long medical leave should be supported by a doctor’s/specialist’s certificate.

2. In case of treatment for his/her own family-

? Major surgery as an in-patient requiring hospitalization for or more than a month

? Leprosy, TB, paralysis, mental disorders, cancer, heart problems

  • Anytime during his tenure of service and as many times as is required for such permitted treatment
  • If he/she is certified by ESI/employer that he/she is not covered under ESI scheme.
  • For up to the total amount in balance (employee’s portion of contribution only) as on the application date or up to 6 times the amount of the employee’s wages
  • By submitting the duly filled in Form-31 to his/her employer and required proofs as mentioned above

e. To fund a marriage: This facility as per Para 68-K of the EPF scheme can be availed by an employee

  • For his/her own self, children (son or daughter) or siblings (brother or sister).
  • Up to 3 times during his total period of service
  • After having completed a minimum of 7 years of service, when availing this facility for the first time.
  • By submitting the duly filled in Form 31 to his/her employer along with a marriage invite/card as proof
  • For up to half (50%) of his/her share and interest in his/her EPF account.

f. To finance education: This facility, as per Para 68-K of the EPF scheme, can be availed by an employee

  • For his/her own self or children (son or daughter).
  • For post matriculation education
  • Up to 3 times during an employee’s total tenure of service.
  • Only after completion of a minimum of 7 years of service.
  • By submitting the duly filled in Form 31 to his/her employer along with the educational institution’s fee certificate as proof.
  • For up to half (50%) of his/her share and interest in his/her EPF account.
  • The amount will be paid out to the employee

g. To make an EPF withdrawal before retirement: This facility, as per Para 68-NN of the EPF scheme, can be availed by an employee

  • Once during his tenure of service subject to having completed at least 54 years of age and being due for retirement in one year’s time.
  • For an amount up to 90% of the account balance at time of withdrawal. This includes the total amount i.e. the employee’s and the employer’s share. (This is subject to a minimum balance requirement)
  • By submitting Form-31, duly filled in along with an employer-issued certificate stating the retirement date.
  • The amount will be paid out to the employee

h. To make an EPF withdrawal in case of closure or lockout of the employee’s employing establishment: As per Para 68-H of the EPF scheme, this facility can be availed by an employee

  • In case of lockout or closure stretching beyond a period of 15 days.
  • When he/she has not received wages for 2 months or more
  • Irrespective of tenure of service
  • For an amount up to the total amount of his/her wages X the number of months of closure/lockout, provided he/she holds a balance in his/her EPF account i.e. employee share. For lockout/closure period beyond 6 months, he/she can avail an advance from the employer’s share of the account balance as well
  • By submitting Form-31 along with a declaration
  • The amount will be paid out to the employee

I. Other purposes: This would include withdrawals for employees affected by

  • Power cuts - Applies to employees whose wages were 75% or less than the total monthly wages as of Jan 1973. Amount of advance can be a month’s wages or Rs.300. It can be availed by submitting Form-31 with a government-issued certificate stating power cut.
  • abnormal conditions - applies in case of natural disasters and the like; for an amount of Rs.5,000 or half of the employee’s EPF account share and interest; availed by submitting Form-31 with a state government declaration as well as a certificate from an authorized department stating the damage incurred.
  • and as grants to handicapped employees (physically).- to buy required equipment to minimize his/her disability; can be availed for an amount up to 6 months worth of basic wages and dearness allowance or the employee’s EPF account share and interest or the actual equipment charges, whichever is lower of the three; can be availed by submitting Form-31 and a doctor’s certificate stating said employee is physically handicapped.
  • pending court case of dismissal/retrenchment/discharge of employee
  • The amount will be paid out to the employee

Note: 1. where agency is mentioned, this refers to the government (central or state), cooperative society, local body, trust, institution, Housing Finance Corporation (HFC).

2. Region codes have been recently changed; check codes for the following states - Karnataka, Maharashtra, Gujarat, Tamil Nadu, West Bengal, Andhra Pradesh, Punjab, Uttar Pradesh, Delhi, Haryana.

In case of natural disasters and the like; for an amount of Rs.5,000 or half of the employee’s EPF account share and interest; availed by submitting Form-31 with a state government declaration

The following important factors should be kept in mind while filling the form

  • Fill the form using block letters only
  • Write legibly and clearly and do not overwrite
  • Fill in the ‘Member’s Account Number’ clearly indicating the region, office, number and extension code and account number. Ensure the correct region and office codes are filled, You can find the latest code relevant to you at the epfo website under ‘Establishment Search’.
  • Provide a mobile number at the top of the form to receive SMS updates and to track the claim status
  • Clearly fill in a postal address and pin code

Receiving payment for Form-31 Claims

For successful claims, the amount to be paid out to the member or agency will be done to the mentioned bank account.

  • Electronic transfers are a faster mode and can be facilitated by providing a cancelled cheque while submitting Form-31. This should clearly indicate electronic transfer details viz. the claimant’s account number and relevant IFS Code.
  • For claims below Rs.2,000, money order payments are possible.
  • For payments to agency, the agency’s name and address should be clearly provided

Form 14 - Withdrawing from EPF Account (Funding LIC)

This facility is available to an employee

  • who has completed at least 2 years tenure of service
  • who can declare an account balance sufficient for 2 years of payments and an annual contribution sufficient to cover premium payments
  • To pay the first and subsequent premiums of an LIC policy. The amount required as per the schedule of premiums due will be credited to LIC. Details of the LIC policy to be funded will have to be provided.
  • To pay interest or late fees.
  • From the employee’s share of contributions only
  • Who declares that the policy is not encumbered and required details are provided viz. the relevant LIC branch address, the LIC policy number and date/proposed number and date, sum assured under the policy, premium amount, premium due dates, nominee names.
  • Duly signs and submits the form

Form 10D - Application for monthly pension under EPS

This form is applicable to employees who are over the age of 58 years and have completed the 10 years of service to make them eligible to settle their pension fund. The following kinds of pension can be claimed using this form.

  • Superannuation pension
  • Reduced pension
  • Disablement pension
  • Widow & Children pension
  • Orphan pension
  • Nominee pension
  • Dependent parent

Form 10C - Application for Withdrawal Benefit under EPS

This applies to employees who are over 58 years of age but have not completed the required 10 years of service to be eligible to make such claim. This can be either because the employee didn’t complete 10 years’ service before he/she turned 58 years or because he/she discontinued his/her employment before completing 10 years’ service. Such claim can also be made by employees who have completed 10 years’ service before discontinuing his/her employment but are below 50 years of age. Such claim can also be made by employees who have completed 10 years’ service but are between the age of 50 and 58 years and do not wish to opt for reduced pension. This claim can also be made by an employee’s family/nominee/heir where the employee died after the age of 58 years but before completion of 10 years’ service.

This claim can only be made by employees who have been members for 180 days or more i.e. without considering period for which contributions do not apply. The form should be duly signed and submitted with supporting documentation viz. a canceled cheque copy, children’s birth certificate (for scheme certificate), death certificate (for deceased member), succession certificate (by legal heir), one rupee stamp (withdrawal benefit).

Form 13 - Transfer of EPF account

In order to transfer the EPF balance from an employee’s old EPF account to the new one, a member/employee will have to fill in Form-13 which is the transfer claim form. When making a transfer, PF contributions are sent to a Trust and details of the employee’s service are also sent to the EPFO. When transferring EPF balances, the pension contributions are not transferred (unless the establishment is exempt from the pension scheme, in which case both the PF and pension contribution will be sent to the Trust). For establishments exempt under the EPF/Pension scheme, PF accounts are held with the Trust and for those not exempt, they are held with the EPFO.

  • Form 13 (revised) consists of Part A, B and C.
  • Part A - Personal Information, Part B - Old PF account details and Part C - Current PF account details
  • The old EPF account number and the new EPF account number will have to be clearly indicated. If the establishment is not under the purview of the EPF Scheme, 1952 then the Pension Fund account number will have to be provided.
  • Also, to be indicated is the name of the holding EPF office or trust, both old and new.
  • In addition to these details, the names and addresses of the old and new establishments and the respective joining and leaving dates will have to be mentioned
  • The form has to be attested/signed by either employer i.e. the old or new employer.
  • Depending on who attests the form, it will have to be submitted to the relevant employer’s EPF office i.e. if the old employer attests the form, the form will have to be submitted to the EPF office maintaining the old EPF account. If the new employer attests the form, it will have to be submitted to the office maintaining the new account.

Form 19 - EPF Final Settlement

Employees can claim final settlement of EPF accounts when they leave service and do not join another establishment. However, if they leave service at one establishment and continue service at another, they should opt for transfer of EPF account through Form-13 (details above). Withdrawing and settling the account while employed with another company or between jobs is not technically allowed as per PF rules.

Reason for leaving service to withdraw PF through Form-19 may be any of the following -

  • Retirement

? On or after the age of 55 years

? Under VRS (Voluntary Retirement Scheme)

? Due to physical/mental inability to continue service on a complete and permanent basis

  • Resignation and not in service with an establishment covered by the EPF Scheme
  • Discharge with compensation as per Industrial Dispute Act, 1947
  • Retrenchment
  • Emigration to a foreign country either for employment or permanent residence

For employees who resign or are discharged, as mentioned above, a waiting period of 2 months is applicable to make withdrawal and settle his/her EPF account. An EPF account can be left active even after leaving employment as interest continues to be earned and credit for up to 3 years even if contributions have stopped. After 3 years the account becomes inactive. If alternate employment has not been found within these 3 years, it would be advisable to withdraw and settle the account through Form-19.

Form 10C/10D with Form 19 - Pension Fund & EPF Withdrawal

When applying to withdraw EPF balance through Form-19 (due to above mentioned cases), an application can also be made for pension scheme certificate / pension fund withdrawal through Form 10C or for pension / reduced pension through Form 10D depending on employee age and number of eligible years of service completed. Forms 10D and 10C have been explained in detail above.

Members below 50 years of age

  • 10 years’ service completed - Form 19 and Form 10C (for pension scheme certificate)
  • 10 years’ service not completed - Form 19 and Form 10C (for pension scheme certificate or withdrawal benefit)

Members between 50 to 58 years of age

  • 10 years’ service completed - Form 19 and Form 10C (for pension scheme certificate) / Form 10D (for reduced pension)
  • 10 years’ service not completed - Form 19 and Form 10C (for pension scheme certificate or withdrawal benefit)

Members over 58 years of age

  • 10 years’ service completed - Form 19 and Form 10D (for pension)
  • 10 years’ service not completed - Form 19 and Form 10C (for pension scheme withdrawal benefit)

(Form 10C - Members applying for pension scheme certificate or withdrawal benefit can retain membership of the Pension Fund until they completed a tenure of 10 years. After this members can opt for pension).

In the case of discontinuation of service as a result of physical handicaps/disability.

  • Members below 58 years of age - Form 19 and Form 10D (for pension)
  • Members above 58 years of age
  • 10 years’ service completed - Form 19 and Form 10D (for monthly pension)
  • 10 years’ service not completed - Form 19 and Form 10C (for pension withdrawal benefits)

How to fill Form -19

When filling Form 19, members can fill in their mobile numbers at the top of the form to updates via SMS regarding claim approval.

  • The first set of details to be filled are the member’s name, father/husband’s name, name of last employer, member account number (in the format region code/office code/establishment code/sub code/account number), exit date and reason for exit (from last establishment), postal address.
  • Additional details to be filled include the IFS code of the bank branch to which the money is to be credited, date on which the member joined the last establishment, the member’s birth date. Finally, the form has to be signed by the member and the employer along with the establishment’s seal.
  • In cases where the employee is settling his/her account after a required waiting period of 2 months (read above ‘Reason for leaving service to withdraw PF through Form-19’), the employee-member will have to provide one more signature confirming that he/she is unemployed when making this application.
  • In cases where a member is to receive an amount larger than Rs.2,000, he/she will have to sign for the same. In this case, the amount will not be processed through a money order.

Form 20 - EPF Final Settlement Claim in case of death of an employee-member

If an employee-member dies, his/her nominee/heir/beneficiary will have to submit the required forms based on when he/she dies to claim the EPF balance in the employee’s account. Form 20 will have to be submitted for final settlement and along with this the requisite forms will have to be submitted to claim pension and insurance. The forms to be submitted will depend on when the employee dies

Below 58 years of age

  • While in service - Form 20 and Form 10D (for monthly pension) and Form 51F (for insurance claim - EDLI)

Above 58 years of age

  • 10 years’ service completed - Form 20 and Form 10D (for monthly pension) and Form 51 for insurance claim (EDLI)
  • 10 years’ service not completed - Form 20 and Form 10C (for pension withdrawal benefit) and Form 51F (for insurance claim -EDLI)

If the employee dies while not in service, then in the above cases, insurance claim through Form 51F does not apply.

PF Form -11 Declaration Form

Form 11 declaration for PF was made compulsory in 2015 for new members as part of the EPFOs e-governance measures. It replaces Form 11 Revised version. Form 11 is available to be filled on the member portal.

The new Form - 11 also replaces Form 13. Form 11 acts as as PF transfer request through which employee-members old PF account balances and service details are transferred to the new account. This pertains to employee-members who have been allotted

UANs and have had their KYC details verified by their old employers via digital signatures. In this case, they wont have to submit Form 13 to request PF transfer. (However, if employee-members have not been allotted UANs and/or their new employers dont have digital signature certificates, then Form 13 will be required to transfer old EPF account balances to new accounts. Form 11 will also have to be submitted).

Filling up Form 11

In this form the following information will have to be provided

  • The employee-members personal details - Name with title, Birthdate, Father/Husbands name, Specify whether Father or Husbands name is provided, Gender, Mobile/Email Id (optional).
  • Next, information will have to be provided as to whether the employee was under prior purview of the Employees Provident Fund Scheme and/or the Employees Pension Scheme. If yes, then it becomes mandatory for the employee-member to fill in the fields pertaining to his/her prior employment.
  • Prior employment details to be provided are the employee-members UAN or old PF Member ID, date of leaving the old establishment, and whether a scheme certificate and/or pension payment order was issued along with the respective numbers.
  • The next part of the form pertains to details relating to whether the employee-member is an international worker, educational background, marital status and whether he/she is differently abled.
  • The final field of this part is where the employee-member fills in KYC details as per the listed KYC documents viz. Bank account, NPR/Aadhaar, PAN, Drivers License, Passport, Ration Card, Election Card, ESIC Card. Of this, the Bank Account Number has to be compulsorily filled along with the IFS Code for the branch. The other documents, though not compulsory, should also, ideally, be provided to make EPF processes easier. Self-attested copies of all documents should be submitted along with the form.
  • The final part is a declaration that the information provided is true and that the UAN and/or old member ID provided (if covered under the EPF/EPS schemes) is correct. As part of the declaration, subscribers acknowledge that the form is a request to transfer old PF accounts to new accounts and that nominations can be submitted through the UAN portal.
  • Beneath this is a declaration to be filled by the current employer. This consists of three parts viz. A, B and C. Part A states the date the employee-member joined the establishment and the PF ID that was given to him/her. Part B pertains to employees who were not covered under the EPF/EPS scheme prior to joining this establishment in which case the employer states the UAN that has been allotted (when it is allotted) to the employee-member. The employer further indicates whether the employee-members UAN KYC details are uploaded/uploaded and approved/uploaded and not approved. Part C pertains to employees who were covered under the EPF/EPS schemes. The employer then confirms linking of the PF ID provided to the employee-members UAN. Further the employer indicates whether the employee-members KYC has been approved or not using digital signature and if request for transfer of old PF accounts has been initiated via the UAN portal. If digital verification is not possible, the employer confirms informing the employee-member to initiate the offline PF transfer process through Form 13 (read above).

EPF Nomination - Form 2 (Revised)

Employees can name nominees to their EPF accounts by filling in the EPF nomination form. Family i.e. spouse/kids can be named as nominees. Those without family can name others as nominees but on acquiring a family, nomination should be changed. If an employee-member dies, nominees can claim his/her EPF account balances through the appropriate claim form. The nomination form can be submitted via the UAN portal. Form 2 consists of a part for EPF nomination and another part for EPS nomination.

Employers verify members nominations through the EPFO OTCP portal. Employers log in and follow the link for nominations where they approve or reject the nomination using digital signatures. Approval is done on receipt and verification of physical nomination forms from employees.

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