PensionBox BlogsHow to Claim Your Pension Withdrawal Guide (Form 10C)

How to Claim Your Pension Withdrawal Guide (Form 10C)

19 Nov 2025 • 3 min read
Written By
Apurva Joshi
Apurva Joshi
PensionBox

If you’ve left your organization and wish to withdraw the pension portion of your Provident Fund (PF), you’ll need to submit a claim using Form-10C.
This form allows you to withdraw the pension benefit under the Employees’ Pension Scheme (EPS), and the entire process can be completed online through the EPFO portal.

Here’s a simple, step-by-step guide to help you file your Form-10C claim smoothly.

Step 1: Login with Your UAN & Password

Visit the official EPFO Member Portal and log in using your Universal Account Number (UAN) and password.

Step 2: Open the Online Services Tab

Once you’re logged in, click on Online Services from the main menu.
This is where you’ll find all claim and withdrawal options.

Step 3: Select “Claim (Form- 10C )”

Under Online Services, select Claim (Form-31, 19, 10C & 10D).
This section includes multiple claim types — PF final settlement, advance withdrawal, and pension withdrawal (Form-10C).

Step 4: Enter and Verify Bank Details

Enter the bank account number linked to your PF account and click Verify.
This ensures your pension amount is credited to the correct account.

Step 5: Click “Proceed for Online Claim”

Once bank details are verified, click Proceed for Online Claim to start the process.
This opens the claim form where you can select your preferred claim type.

Step 6: Choose the Type of Claim

From the list of options, select Only Pension Withdrawal (Form-10C).
This ensures you’re specifically withdrawing your pension benefits.

Step 7: Select the Pension Withdrawal Option (Form-10C)

Choose “Only Pension Withdrawal (Form-10C)”.
This option ensures that you are applying specifically for pension withdrawal benefits under the Employees’ Pension Scheme (EPS).
Selecting this correctly helps avoid any processing errors or delays.

Step 8: Enter Your Aadhaar Address

Enter your address exactly as it appears on your Aadhaar Card.
This step is crucial since EPFO verifies your identity based on Aadhaar details.

Step 9: Get Aadhaar OTP and Submit Your Claim

Click Get Aadhaar OTP. You’ll receive an OTP on your Aadhaar-linked mobile number.
Enter the OTP and click Submit to complete your claim submission.

Congratulations! 🎉 You’ve successfully submitted your Form-10C for pension withdrawal.You’ll receive an online confirmation.
EPFO will process your request and credit the pension amount to your verified bank account after successful verification.

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"Very intuitive and smooth experience with the app. Helps me start planning my savings and retirement in a super easy manner which I assumed might be difficult thing to do."
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"PensionBox addresses a very important need for billions of Indians who do not have access to the right resources to make an informed choice and then continue to track their funds easily."
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Frequently asked questions
PensionBox is India’s first pension platform/app that helps you access, invest in, and track your NPS and other pension products with better user experience & minimum charges.

PensionBox simplifies the National Pension System(NPS), the government's pension scheme for private employees both for retail users and HRs/companies.

If you don’t have an NPS account, you can simply open your pension account within 2 minutes and if you have NPS PRAN already, you will be able track, invest and manage everything free of charge with best user experience.
Absolutely. PensionBox is fully ISO 27001 compliant with the Pension Fund Regulatory and Development Authority (PFRDA), the government body that regulates pensions in India.

We never touch or hold your money directly, your investments go safely to your chosen pension fund through approved channels.

We are built with Zerodha as POP , ensuring transparency, data security, and peace of mind. Your retirement savings are protected by regulation and secured by technology.
Banks/POPs charges high fees on account opening & every investment Even CRA apps have hidden charges/low transparency & lack timely support Pension Funds restrict pension fund choice & selection to themselves.

That’s why, PensionBox brings transparency, zero charges, timely support and freedom to select any pension fund so that you get the best experience investing in NPS & be better future ready.

That’s not it, we help you & your company together to maximise contribution and tax savings with minimal charges & best user experience.
It’s super easy to use PensionBox, just start by signing up using your browser on laptop/mobile or downloading the app on appstore or playstore.

If you are an existing zerodha user then you get a fast login or sign up using kite ID.

Once you are onboarded with kite ID, you get free access to
  • Open NPS in 2 minutes
  • Track existing NPS
  • POP shift or CRA shifting
  • Invest in one time or create SIP in NPS
  • Withdraw NPS requests & instant withdraw tier 2
  • Create your dream retirement plan
  • Open NPS Vatsalya for your kid
  • Share with HR (To unlock more tax benefits)
Tax Benefits in New Tax Regime
  • Employer Contribution:
    • Contributions made by your employer to your NPS account are tax-free up to 14% of your basic salary under Section 80CCD(2). Do connect us with your HR to enable this for you.
    Tax Benefits in Old Tax Regime
  • Self-Contribution:
    • Deduction up to ₹1.5 lakh under Section 80C.
    • Additional deduction of ₹50,000 under Section 80CCD(1B) — exclusive to NPS investments!
    • This allows you to claim a total deduction of up to ₹2 lakh every year on your NPS contributions.
  • Employer Contribution:
    • Contributions made by your employer to your NPS account are tax-free up to 10% of your basic salary (Basic + DA) under Section 80CCD(2). Do connect us with your HR to enable this for you.
    • This is over and above your personal deduction limits, giving you extra tax efficiency.
We understand NPS can be confusing, complex and there is a lot of information out there to believe in. Don’t worry, our team is here to help you with the right information.

Feel free to book a free call to learn more about NPS, NPS Vatsalya, Corporate NPS & PensionBox or contact the support team.
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The details of the Ombudsman appointed are available on the PFRDA website - www.pfrda.org.in At present, Shri Narender Kumar Bhola has been appointed as the new Ombudsman in terms of the PFRDA (Redressal of Subscriber Grievance) Regulations, 2015.


Details of the ombudsman are as under:

Shri Narender Kumar Bhola
Pension Fund Regulatory and Development Authority
B-14/A, Chatrapati Shivaji Bhawan,
Qutab Institutional Area, Katwaria Sarai, New Delhi- 110016
Chhatrapati Shivaji Bhawan,
Id: ombudsman@pfrda.org.in
Landline No.: 011 - 26517507 Ext : 188
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Email: aiman@pensionbox.in
Name: Kuldeep Parashar
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Phone: +91 80 6558 8333

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