{"success":true,"data":{"expert_quote":"","expert_quote_attribution":"","_id":"699444162eb8014fa943af26","title":"The Ultimate Guide to all Provident Fund Forms","metatitle":"The Ultimate Guide to all Provident Fund Forms","metadescription":"Read the blog to clear the ultimate guide to all Provident Fund forms, to understand which PF form to use, how to apply, and the PF withdrawal or transfer process.","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/aef34077-eafc-4621-8cb3-691d5bdb5fe7.webp","main_content_id":{"_id":"699444162eb8014fa943af1f","content":"

raw/transfer your PF amount. Today in this blog we will walk you through all kind PF forms which are required at different stages of PF withdrawal and for different conditions. To make your understanding easier we have made a flowchart which will guide you which form to be used at what situation.


Let's understand each of these forms in depth and their use cases


Composite Claim Form

A composite claim form is a basic way to claim your PF under the Employees’ Provident Fund in India and has replaced three older forms : Form 19 (PF Final Settlement), Form 10C (Pension Withdrawal Benefits), and Form 31 (PF Part Withdrawal). It is of an advantage as it reduces the need of multiple documentary requirements and further attestation by the employer at the PF office.

This form is of two types that is Aadhar and Non- Aadhar form.

You can use composite Claim form the following cases.

Final Settlement of PF (Form 19): You can use it to withdraw your entire PF balance when you leave your job, regardless of your service period.

Pension Withdrawal Benefit (Form 10C): If you haven't completed 10 years of service, you can claim your PF amount and a pension scheme certificate through the composite form.

Partial Withdrawal (Form 31): In certain situations, you can use it to withdraw a portion of your PF balance before leaving your job.


Form 10D

Form 10D is specifically for applying for a monthly pension under the Employees' Pension Scheme (EPS) in India. It's different from the composite claim form, which is used to withdraw your PF funds. You will get monthly pension after if met the eligibility criteria. In most of the cases you should have completed at least 10 years of service to be elibigle for monthly pension but there are some exceptions like in case of disability or deceased person where you can claim this irrespective of service period. Refer to flowchart above to get better clarity.


Form 14

Form 14 is your gateway to using your Employees' Provident Fund (EPF) savings to pay premiums for your Life Insurance Corporation (LIC) policy in India. to meet eligibility criteria you should have been an EPF member for at least two years and have enough balance to cover two years of LIC premiums. This form allows you to authorize automatic deductions from your EPF account. However, your annual EPF contributions should also be sufficient to handle the yearly LIC cost.


Form 13

Form 13 is use to transfer your entire PF balance, including both your contributions and your employer's contributions, from your old employer's account to your new one. This keeps your service history unbroken for pension calculations. It's important to note that while your PF balance is transferred, any pension contributions you've made won't be transferred unless both employers are exempt under the pension scheme. Additionally, money in the Employees' Deposit Linked Insurance (EDLI) scheme doesn't get transferred - its benefits depend on when the employee dies, regardless of their job history.


Form 20

Form 20 is designed specifically for nominees (the person designated to receive PF benefits of deceased person) or legal heirs (spouse, children, parents in the absence of a nominee) to withdraw the deceased member's PF balance. Even guardians can use Form 20 on behalf of minor nominees or heirs.

Through Form 20, you can claim both the employee's contributions to the PF and the employer's share. In some cases, depending on the member's service and choices, you might also be able to claim benefits from the pension scheme. You can also use Composite Claim Form [Form-20 (PF Payment)/Form-10-D (Pension)/ Form - 5 IF (EDLI)] for claiming PF, pension and insurance amount together in case member has died while in service.


Form 5(IF)

Form 5IF helps nominees or families to claim insurance benefits under the Employees' Deposit Linked Insurance (EDLI) scheme. This scheme offers a safety net by providing financial aid in case an active PF member passes away. Claimant needs to fill out a form, and employer verification is usually required. However, if the employer is unavailable, a gazetted officer can provide attestation instead. In case of a minor a guardian can fill form on his behalf.


Form 15G

Form 15G is a self-declaration form used in India to avoid Tax Deducted at Source (TDS) on your interest income from fixed deposits (FDs), recurring deposits (RDs), and other similar investments. If you are withdrawing your PF amount without completing 5 years of service and amount more than 50,000 then you have to submit this form to save tax on your Interest. for senior citizens for used is 15H.


Form 5

Form 5 has to be filled by companies who are hiring freshers/employees who didn't Pf account before. Filling out Form 5 isn't just about creating an EPF account for a new employee. It also acts as a first step to check their eligibility for the scheme. The EPFO offers other benefits beyond the EPF, such as the Employees' Pension Fund (providing a pension upon retirement) and the Employees' Deposit Linked Insurance (offering financial aid to a member's family in case of death).

So That's all you need to know about PF related forms. The cases mentioned here are not exhaustive and things can get more complicated depending upon particular cases. But you don't need to worry about that as our experts are always there to guide you so that you can get your hard earned money without any hassel.


If need arises feel free to Whatsapp us on 8983070445. For any help regarding personal finance head on to our website Finright.


We hope these insights on Provident Fund related forms equipped you with the knowledge to handle your PF efficiently. Don’t miss out on more insightful updates and tips—follow us on our social media channels (Instagram, YouTube, Linkedin, Facebook ) to stay informed and empowered about managing your finances effectively. Join our Whatsapp community and be part of the conversation.

"},"category":"PF Expert Consultation","author":"Finright","is_published":true,"is_draft":false,"published_at":"2026-02-17T10:33:58.942Z","is_deleted":false,"summary_id":{"_id":"699444162eb8014fa943af24","summary":"

* Composite Claim Form simplifies PF withdrawal by combining Forms 19, 10C, and 31, with Aadhar and Non-Aadhar versions for different submission methods. * Form 13 is used for PF balance transfer between employers, while Form 10D applies for monthly pension claims, typically after 10 years of service. * Forms 20 and 5(IF) cater to nominees and legal heirs for PF and insurance claims after a member’s death, with employer verification required.

"},"visual_summary":null,"faq_id":{"_id":"699444162eb8014fa943af21","faqs":[{"question":"Can filling the correct form still lead to rejection?","answer":"

Yes. Forms don’t guarantee approval — data accuracy does.

Even a perfect form fails if records mismatch.

","_id":"699444162eb8014fa943af22"}],"is_deleted":false},"createdAt":"2026-02-17T10:33:58.943Z","updatedAt":"2026-03-10T03:21:05.130Z","__v":0,"slug":"the-ultimate-guide-to-all-provident-fund-forms","id":"699444162eb8014fa943af26","totalLikes":0,"totalViews":228,"totalShares":0,"ctas":{"checkmypf-1":{"_id":"69e364082c6fa767919261a7","unique_key":"checkmypf-1","button_text":"Check YOUR PF Now!","description":"Unsure about your PF balance? Use FinRight's CheckMyPF tool to analyze your EPF records for potential discrepancies or missed transfers.","heading":"Check My PF – Get Your Detailed Report!","navigation_url":"https://finright.in/check-pf-withdrawability"},"bookexpertcall_1":{"_id":"69e3643e2c6fa767919261a8","unique_key":"bookexpertcall_1","button_text":"Book a Call","description":"Book a consultation call with our EPF experts to get personalized assistance for withdrawal or transfer of your Provident Fund.","heading":"Need Help with PF Withdrawal or Transfer?","navigation_url":"https://finright.in/"},"transfer-1":{"_id":"69e364862c6fa767919261a9","unique_key":"transfer-1","button_text":"Start Your Transfer Journey!","description":"Let us assist you with the smooth transfer of your Provident Fund balance from previous employers. Ensure your funds are consolidated.","heading":"Transfer Your PF Without Hassles","navigation_url":"https://finright.in/"},"withdrawal-1":{"_id":"69e364b82c6fa767919261aa","unique_key":"withdrawal-1","button_text":"Start Your PF Withdrawal Journey!","description":"If you're ready to withdraw your PF, let us guide you through the process, ensuring all documents and conditions are met.","heading":"Simplified PF Withdrawal Process","navigation_url":"https://finright.in/"}}},"nextBlog":{"_id":"699445a82eb8014fa943af3b","title":"The Ultimate Provident Fund FAQ: Answering Your Burning Questions","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/de263dc6-dc42-4585-8c48-a37a79f428c8.webp","id":"699445a82eb8014fa943af3b"},"previousBlog":{"_id":"699442b82eb8014fa943af13","title":"Guide to Provident Fund in India: How PF Works","primary_image_url":"https://finright-cms-media.s3.ap-south-1.amazonaws.com/6ff03cae-2f6b-49bb-acb1-369a87caa04a.webp","id":"699442b82eb8014fa943af13"}}