I am 44 years of age and I used to work for Tech Mahindra Business Services Limited. I resigned on 18th April 2017 after 11 years and 5 months of service. I got an option to withdraw my PF which I did and got the same credited to my bank account in 30 days after applying for the same through the organization after a 2-month waiting period. I was informed that since I worked for more than 10 years, I would be eligible for a pension after 58 years of age. Of course, the PF that was released for me was excluding the Pension Fund. I have not received any Pension Certificate from the EPF office confirming the same. Can someone please help me and tell me the further procedure. All the relevant forms have been filled and given to the organization, who have further given them to the EPF office to release PF.
From India, Pune
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From India, Pune
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The certificate that you have received from the PF Organisation is called a Scheme Certificate. This certificate is an authentic record of your past service. When you join some organization (to which PF applies), you can surrender this certificate to PF, and with this surrender, your past service will be added to the new service. When you retire from the new organization, your pensionable service will be the total service, including the service mentioned in your Scheme Certificate, i.e., the service of Tech Mahindra. If you leave the second organization, again, you can apply for another Scheme Certificate in which your accumulated service will be mentioned.
Alternatively, you can retain the Scheme Certificate with you. When you leave your second job, again, you can obtain another Scheme Certificate in which the service of the second organization will be mentioned. Likewise, you may have any number of Scheme Certificates. On attaining the age of 58, when you apply for a pension, you can surrender all the certificates and get the credit of service.
I would say that surrendering the Scheme Certificate every time when you join is not practically okay because the PF Office may even miss out on giving credit for your service, and for that, you may have to visit the office very frequently. At the same time, when you just mention the Scheme Certificate numbers in your pension application (Form 10D), there is no risk.
From India, Kannur
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4768Alternatively, you can retain the Scheme Certificate with you. When you leave your second job, again, you can obtain another Scheme Certificate in which the service of the second organization will be mentioned. Likewise, you may have any number of Scheme Certificates. On attaining the age of 58, when you apply for a pension, you can surrender all the certificates and get the credit of service.
I would say that surrendering the Scheme Certificate every time when you join is not practically okay because the PF Office may even miss out on giving credit for your service, and for that, you may have to visit the office very frequently. At the same time, when you just mention the Scheme Certificate numbers in your pension application (Form 10D), there is no risk.
From India, Kannur
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Dear Madhu, Thanks for your reply. I am retired now and I have got full PF to my bank account but I have NOT got pension certificate. How do I get the same? Regards Sandeep
From India, Pune
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From India, Pune
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You should apply for a scheme certificate. If you have retired upon attaining 58 years and after having rendered 10 years of service, then you can directly apply for a pension even without a scheme certificate. A scheme certificate is obtained when you leave an establishment before reaching the age of superannuation. If you had service in different establishments and whenever you left each establishment, you had transferred the PF benefits, then you may not hold any scheme certificate. With each change of employment and transfer of PF, your service would have been transferred and accumulated. In such a case, if you apply for a pension, you will receive it based on your total service.
From India, Kannur
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From India, Kannur
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Dear Madhu,
Thank you for your reply. I am only 44 years of age and have signed all the documents and given them to my organization, which were then submitted to the PF office using form 10C about 10 months ago. My question is, I have not yet received my Pension certificate. How do I apply for the same?
Regards,
Sandeep
From India, Pune
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Thank you for your reply. I am only 44 years of age and have signed all the documents and given them to my organization, which were then submitted to the PF office using form 10C about 10 months ago. My question is, I have not yet received my Pension certificate. How do I apply for the same?
Regards,
Sandeep
From India, Pune
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You have not mentioned whether you have opted for a scheme certificate in lieu of withdrawal benefits. There is a question in form 10C like, "Would you like to have a scheme certificate in lieu of withdrawal benefits?" If you had answered "Yes" to it, then you would have also provided the details of your family, the name of your spouse, and the names and dates of birth of your children. You should have attached the birth certificates of your children. It is based on these details that you provide and the documents that you submit that the scheme certificate is prepared and sent to you. Opting for a scheme certificate is the only option if you have worked for 10 years because once you have worked for 10 years, you cannot opt for withdrawal benefits.
Now, please verify whether you have more than 10 years of service (even 9 years and six months' service is enough for you to be eligible for a pension). If not, please check if you have received the amount of the Pension Fund by choosing to withdraw the pension fund.
From India, Kannur
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Now, please verify whether you have more than 10 years of service (even 9 years and six months' service is enough for you to be eligible for a pension). If not, please check if you have received the amount of the Pension Fund by choosing to withdraw the pension fund.
From India, Kannur
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Hello Madhu,
Thank you for your reply. I have submitted the 10C form along with all the relevant documents to my organization, which has been forwarded to the PF office. My service tenure was 11 years and 5 months, and I chose to make a full PF withdrawal, which has been credited to my account. I was informed that I would receive a Pension certificate after 6 months of the PF credit to my bank account. This certificate can be surrendered to the PF office upon reaching 58 years of age to opt for monthly Pension or to take a full interest-free withdrawal of the pension.
My query is, "I have not received my Pension Certificate." How can I obtain it now? I am attaching my PF statement for your reference.
Regards, Sandeep Butaney
From India, Pune
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Thank you for your reply. I have submitted the 10C form along with all the relevant documents to my organization, which has been forwarded to the PF office. My service tenure was 11 years and 5 months, and I chose to make a full PF withdrawal, which has been credited to my account. I was informed that I would receive a Pension certificate after 6 months of the PF credit to my bank account. This certificate can be surrendered to the PF office upon reaching 58 years of age to opt for monthly Pension or to take a full interest-free withdrawal of the pension.
My query is, "I have not received my Pension Certificate." How can I obtain it now? I am attaching my PF statement for your reference.
Regards, Sandeep Butaney
From India, Pune
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Dear Sandeep,
Please escalate the matter to your employer regarding non-receipt of the "Scheme Certificate." Your employer will follow up with the PF Department to know the status. Alternatively, you can check the status of your withdrawal claim on the EPF website. Please follow up on the matter without any delay. Are you currently employed?
Thank you.
From India, New Delhi
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Please escalate the matter to your employer regarding non-receipt of the "Scheme Certificate." Your employer will follow up with the PF Department to know the status. Alternatively, you can check the status of your withdrawal claim on the EPF website. Please follow up on the matter without any delay. Are you currently employed?
Thank you.
From India, New Delhi
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If you had 11+ years of service, certainly you should get Scheme Certificate. You may contact the PF office asap and get the details.
From India, Kannur
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From India, Kannur
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Thank you, Srinath and Madhu.
I am glad to know that I have finally got the answer that I have to contact the PF office and the employer. This has also been done, and there is no reply from either of the parties for the past 8 months now.
What else to do?
Regards,
Sandeep
From India, Pune
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I am glad to know that I have finally got the answer that I have to contact the PF office and the employer. This has also been done, and there is no reply from either of the parties for the past 8 months now.
What else to do?
Regards,
Sandeep
From India, Pune
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