EPFO forms explained: Which one to use for withdrawal, advance or transfer

EPFO forms: When you are a member of the Employees’ Provident Fund Organisation (EPFO), your account is not just for savings. You can use it for many things. You can check how much money is in your PF, you can move your account when you change jobs, you can even ask for money in advance or take it out when you leave your job. But for every step, EPFO has made special forms, and you need to use the right one for the right purpose.

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Employed

If you are still working and want an advance from your PF account, EPFO has given two options. You can either use the Composite Claim Form (Aadhaar) or the Composite Claim Form (Non-Aadhaar). Which one you use depends on what details you have updated in the EPFO system.

The Composite Claim Form (Aadhaar) works when your details in Form 11 (New) are complete, your Aadhaar number is linked, your bank account is updated on the UAN portal, and your UAN is already active.

In that case, you don’t have to run behind your employer for approval. You can give this form straight to the EPFO office, and you don’t need any attestation from your company.

Such members can submit this form directly to the concerned EPFO office, without the employer’s attestation.

• If you want your LIC policy to be financed through a PF account, you can apply in Form 14.
• If you have completed 10 years, you can apply in Form 10D.
• If you have not completed 10 years of eligible service by the time you are 58 years old, you can apply for the withdrawal benefit through the composite claim form (Aadhaar) and the composite claim form (non-Aadhaar).

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If a member died while in service before 58 years

• Final settlement of PF through Form 20
• Monthly pension through Form 10D
• And EDLI insurance through Form 5IF

What if you left your job?

Things are a bit different if you already left your job and did not join another company. In that case, EPFO allows you to take your PF money fully after a small waiting time. Normally, you have to wait for two months before you can apply for final settlement of your PF.

You can also apply for the scheme certificate from the pension fund if you have worked for 10 years or more. For this too, you can use the composite claim form (Aadhaar) or the composite claim form (Non-Aadhaar), depending on whether your Aadhaar is linked with your account or not.