🏦 EPS Withdrawal & Scheme Certificate

Expert Form 20 Filing – Pension Withdrawal or Scheme Certificate

Form 20 is used to withdraw your Employee Pension Scheme (EPS) corpus or obtain a Scheme Certificate when leaving employment. Our experts ensure accurate filing, coordinate with employers, and handle rejections for a seamless process.

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EPS Withdrawal & Scheme Certificate

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What is EPF Form 20?

Form 20 is the prescribed application for members to withdraw their EPS (Employee Pension Scheme) contribution or to obtain a Scheme Certificate when leaving an establishment. If you have less than 10 years of service, you can withdraw the entire EPS amount. With 10 or more years, you may opt for a Scheme Certificate to preserve pension benefits for future. The form requires employer attestation and accurate KYC details. Our service ensures error-free submission, follow-up with employers, and resolution of any EPFO objections.

⚠️ Incorrect or incomplete Form 20 can lead to rejection or loss of pension benefits.
Let our experts guide you to make the right choice – withdrawal or scheme certificate.

Common Form 20 Issues & Rejections

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Wrong Service Period

Incorrect dates of employment lead to rejection or wrong calculation of pension benefits.

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Employer Non-Attestation

Employer fails to digitally sign the form, causing indefinite pending status.

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KYC Mismatch

Name, DOB, or Aadhaar not matching across UAN, PAN, and bank records.

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Nominee Not Updated

Pension nomination missing or outdated – EPFO insists on updating before claim.

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Less than 6 months since exit

Form 20 cannot be filed immediately after leaving; cooling period applies.

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Multiple Establishments

If you changed jobs, service history needs to be consolidated, else claim fails.

Our Form 20 Filing Process

Service History Review

Verify your total service across employers, identify gaps, and consolidate if needed.

Eligibility & Option Advice

Recommend whether to withdraw EPS or take Scheme Certificate based on service years.

Document Preparation

Fill Form 20 with accurate details, attach relevant KYC and bank proof.

Employer Coordination

Liaise with current/previous employer to approve and attest the form online.

EPFO Follow-up & Resolution

Track claim, handle any objections, file grievance if delayed, ensure payout or certificate issuance.

Why Choose EPF Easy Connect for Form 20 Filing?

✔️ 600+ successful pension withdrawals

✔️ Expert advice on withdrawal vs scheme certificate

✔️ Employer liaison & attestation support

✔️ EPFO grievance handling for delays

✔️ Service history consolidation assistance

✔️ End-to-end rejection resolution

Frequently Asked Questions on Form 20

What is the difference between Form 20 and Form 10C? ▼

Form 20 is used for EPS withdrawal (pension corpus) or Scheme Certificate. Form 10C is for claiming the pension contribution or for Scheme Certificate in certain cases. Post-2022, EPFO merged some forms, but Form 20 remains for pension-specific claims.

Should I withdraw EPS or take a Scheme Certificate? ▼

If you have less than 10 years of service, withdrawal is allowed. With 10+ years, you can opt for a Scheme Certificate to preserve pension eligibility for future employment. We analyze your service history and guide you.

How long does it take to get EPS withdrawal? ▼

Typically 15–30 days after employer approval, provided KYC and service details are correct. Rejections can delay. Our follow-up ensures faster processing.

Can I file Form 20 if my previous employer is closed? ▼

Yes, but it requires additional documentation like Annexure K and proof of employer closure. We handle such complex cases using our defunct employer expertise.

What documents are needed for Form 20? ▼

UAN, Aadhaar, PAN, bank account details, date of exit, and sometimes service history from previous employers. We help you compile everything correctly.

Secure Your Pension Withdrawal or Scheme Certificate

Don't let Form 20 complexities delay your hard-earned pension benefits. Get expert assistance today.

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