How soon can I apply for final settlement after resignation?
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You must wait 2 months (60 days) after your last working day before applying for final withdrawal. If you join another job within 2 months, you should transfer PF instead of withdrawing.
Do I get both employee and employer contribution in final settlement?
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Yes, you receive the entire EPF balance – employee's 12% and employer's 3.67% contribution, along with accrued interest. The employer's 8.33% goes to EPS (pension) and is not part of EPF withdrawal.
What is Form 10C and when is it filed?
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Form 10C is for withdrawing your EPS (pension) contribution if your total service is less than 10 years. It can be filed along with Form 19 as a composite claim. If service is 10+ years, you cannot withdraw; you become eligible for monthly pension after 58.
Will TDS be deducted on final settlement?
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If you withdraw before 5 years of continuous service and amount exceeds ₹50,000, TDS @ 10% applies. If PAN not linked, TDS is 30%. Withdrawal after 5 years is tax-free. We help avoid TDS if eligible.
My final settlement claim was rejected. What should I do?
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Common reasons: KYC mismatch, exit date missing, bank not verified. We analyze the rejection, fix the issue, and re-file the claim. Most rejections are fixable.