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Many workers make a big mistake when they switch jobs. Specifically, they take their pension cash early instead of saving their service years. While a small payout feels good now, it can hurt your future safety. Therefore, the EPFO Scheme Certificate is the best way to protect your retirement goals.
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What is an EPFO Scheme Certificate?
The EPFO gives this paper to workers who leave a job before 10 years. Specifically, this official document tracks your “pension years” for the government. Instead of taking a cash payout, you carry these years to your next job. Currently, you must hit 10 years of total service to get a monthly pension for life.
Why Choose the Certificate Over Cash?
Most people pick the “Withdrawal Benefit” to get a quick payment of Rs 20,000. However, this choice resets your work history back to zero. Specifically, you will have to start your 10-year count all over again. Meanwhile, if you keep the Scheme Certificate, those years stay on your record. This helps you get a monthly pension of Rs 3,000 to Rs 5,000 later in life.
Benefits for Your Family
The Scheme Certificate does more than just save your years. Specifically, it provides a “Family Pension” if a worker passes away suddenly. This safety net stays on even if you are between jobs. Furthermore, if you work for 20 years, the EPFO adds two extra years to your record. This bonus raises your final monthly pay when you turn 58.
How to Get Your Certificate Online
You can apply for this form through the EPFO Unified Portal. Specifically, you must follow these easy steps:
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Log in with your UAN and password.
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Click on “Online Services” and pick Form 10C.
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Select “Scheme Certificate” instead of the cash option.
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Submit the form to link your service years.
Quick Facts: Pension vs. Cash
| Feature | Cash Withdrawal | Scheme Certificate |
| Money Now | Yes (Small sum) | No |
| Service Years | Deleted | Saved |
| Family Cover | Ends now | Stays Active |
| Monthly Pension | Hard to get | Easy to get |
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