Monday, 22 April 2019

Nokari chhodata j pf-upadi lo chho to tamane thai shake chhe nukasan News Report

Nokari chhodata j pf-upadi lo chho to tamane thai shake chhe nukasan News Report
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Nokari chhodata j pf-upadi lo chho to tamane thai shake chhe nukasan News Report

Nokari chhodata j pf-upadi lo chho to tamane thai shake chhe nukasan News Report

1. Withdrawing PF balance plus EPS amount (for below ten years of service) 
If service period has been less than 10 years, both PF balance and the EPS amount will be paid. To get EPS amount, in the Composite Claim Form (Aadhaar or Non-Aadhaar), along with choosing 'Final PF balance', also choose the 'pension withdrawal' option. 

If you plan on re-joining the workforce, you may opt to get the 'scheme certificate' by furnishing Form 10C.

2. Withdrawing PF balance plus EPS amount (over ten years of service) 
If you have already completed 10 years of service, the EPS amount cannot be withdrawn and only the scheme certificate is to be issued by filling Form 10C along with the Composite Claim Form (Aadhaar or Non-Aadhaar). Pension is to be paid from age 58 while a reduced pension can be paid from age 50. One may opt for early pension (reduced proportionately) after 50 years, provided one has completed 10 years of service. 

3. Withdrawing PF balance and reduced pension (age 50-58) (over ten years of service) 
You can only get pension after turning 50 years of age and have rendered at least 10 years of service. If your service period has been more than 10 years and you are between the age of 50 and 58, you may opt for reduced pension. For this, Form 10D has to be submitted along with the Composite Claim Form (Aadhaar or Non-Aadhaar). 

4. Withdrawing PF balance and full pension (After 58) 
After 58, you have to submit the same Form 10D to claim the full pension. 

To know more about EPS, scheme certificate and pension calculations, click here. 

What you should do 
It is advisable to transfer your PF balance when you change jobs as it is a form of forced savings. For those who are still in service and have not started their own business, it is better to transfer the PF balance to the new employer. The transfer process has been made automatic, click here to know about it. And if you have quit to start your own business, the entire balance in your EPF account can be transferred to the National Pension Scheme. 

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