Retiral Settlement Procedure

Version 10.0

Copyright © 2013 Tata Consultancy Services Limited

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 Your Retirals - Provident Fund

A Provident Fund

Why is it critical to take action on my Provident Fund (PF) on time?

Your Provident Fund accumulations with TCS EPF Trust will stop earning interest after 36 months from your date of
release in case your separation from the organization is on account of Retirement or for Permanent settlement
abroad.  Hence, it may be in your own interest to settle your PF. Post cessation of employment Interest earned on
PF balance shall be taxable. This interest will be considered as income and will be taxed under the head ‘income
from other sources. The statement of said tax deduction(Form 16A) will be available on alumni portal .

TCS is an exempted establishment which means that it maintains its Provident Fund through Tata Consultancy
Services Employees’ Provident Fund Trust. Whereas the Pension for TCS employees is being administered by the
office of Regional Provident Fund Commissioner, Bandra, Mumbai.
 Am I eligible for Provident Fund? How can I check the balance?
All full time TCS India employees are eligible for Provident Fund. You will be able to view this amount in your
monthly pay slip. You may access your detailed PF statement through the following path:
TCS Alumni Portal -> My Documents -> Download Provident Fund statement

• What process should I follow to get the PF amount post separation?

You may either transfer the fund (along with pension) to your next employer OR withdraw the same:

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 Your Retirals - Provident Fund (continued)
A Provident Fund

PF Withdrawal:
The PF withdrawal is taxable if the total duration of PF membership (including PF transferred from previous
employment) is less than 5 years.
You are requested to register on TCS Alumni Portal for filling PF withdrawal Form.
 
You can raise Online PF withdrawal Request under “Retiral Form” tab. You need to follow below steps:
1. Click on “Retiral Form” tab
2. Update Address & Contact Details
3. Update Bank & Pan Details
4. Upload Documents – You need to select your reason of PF withdrawal. Accordingly, system will show you list of
required documents to be uploaded.
5. Click on “Submit”
6. Go to “Upload Documents” tab & download “PF Form”
7. Sign & upload PF Application.
8. Click on “Complete PF Form”
 
Note :
 Option “Unemployment (More Than 2 Months)” will be visible, if associate have completed 2 months from date of
release.
 Associate need to click on “Upload” button to attach documents in Retiral Form Tab or in Ticket.
 If associate have already raised PF withdrawal request in “Retiral Form” tab, but not processed. He/she needs to
check whether all above 8 steps have been followed. If Not, associate should complete the procedure. So that PF
withdrawal application will reach to PF processing team.
 If your UAN is linked to new employer, your PF withdrawal request will be rejected & PF transfer will be initiated
automatically.

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 Your Retirals - Provident Fund (continued)
AC Provident
ProvidentFund
Fund

Option 2: Withdrawal:
PF & Pension Transfer Procedure :
Please
The PFactivate your
withdrawal is UAN byifusing
taxable below
the total path. Also,
duration you need to update
of PF membership Aadhar
(including & KYC infrom
PF transferred UANprevious
portal before raising PF
employment) is less
Transfer Request.
than 5 years.
UAN Portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface
  You are requested to register on TCS Alumni Portal for filling PF withdrawal Form.
  need to follow below online process to raise PF/Pension transfer request.
You
  Path: https://www.alumniportal.tcs.com 
Process:
Please login to UAN portal (https://unifiedportal-mem.epfindia.gov.in/memberinterface) -Check date of exit is updated
Step 1: Click on Retiral Forms
or not in TCS PF records in View - Service history option. If updated please follow below steps for online transfer. If not
Step 2: Click on Provident Fund
please
Step 3:inform
Click onTCS team to update
PF Withdrawal TAB   the same, and follow below steps for an online pension / PF transfer ---
1.SelectClick
the reason for withdrawal as per EPFO Guidelines stated below.
on Online Services option, then select -One Member - One EPF Account (Transfer Request)
• Retirement.
2.• Select details of previous accounts (which are to be transferred)
Permanent migration from India
3.• Permanent
Select attestation through the previous Employer (TCS)option
& total Disablement
4.• Unemployment
Enter TCS pension
(More number or UANand
than 2 months) -- Select
GettingGet Details
Married ( Only in case of Female Member) – (Select ‘Others’ in the drop
5. down)
Select TCS account details and
6. Click on Get OTP, Enter OTP click on submit.
You need to submit the hardcopy of the PF withdrawal Forms along with supporting documents to Retiral Settlement Team at
the below
After mentionplacing
Successfully address.
claim log a ticket on alumni portal and upload screen shot of claim and manual signed FORM
Retiral Settlement Team.
13 copy in pdf format in ticket in Helpdesk in Alumni Portal to process PF transfer.
Tata Consultancy Services
Imp. Notes:
Akruti 1. Manual
Business Form Park,
Port. Gateway 13 has been
Road stopped as per EPFO guidelines. Hence it is mandatory to raise PF transfer
No.13
MIDC, Andheri
request in UAN(E), Mumbai - 400093, Maharashtra, India
portal.
 
• You will receive an email confirmation from TCS regarding completion of the withdrawal process.

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 Your Retirals - Provident Fund (continued)
AC Provident
ProvidentFund
Fund

Option 2: Withdrawal:
2. Please activate your UAN by using below path. Also, you need to update Aadhar & KYC in UAN portal before raising PF
Transfer Request. is taxable if the total duration of PF membership (including PF transferred from previous employment) is less
The PF withdrawal
UAN
than 5 years.https://unifiedportal-mem.epfindia.gov.in/memberinterface
Portal:
3. Date of Exit gets updated by 16 th of every month for previous month’s FFS cases. So that pension contribution will be
accounted till datetoofregister
You are requested releaseoninTCS
your pension
Alumni account.
Portal for filling PF withdrawal Form.
4.  Pension will be transferred within 3 month, once PF transfer completed.
5.Path:
Onlyhttps://www.alumniportal.tcs.com 
pensionable service gets linked to new employer as pension accounts are maintained by EPFO only. Hence
Process:
whenever Pension transfer completed, you will see Pension amount is as Rs. 0.
6.Step 1: Click
Please on Retiral
upload Forms
zip file, if you want to attach more than 1 file in a ticket.
  Step 2: Click on Provident Fund
Step 3: Click on PF Withdrawal TAB  
Select the reason for withdrawal as per EPFO Guidelines stated below.
• Retirement.
• Permanent migration from India
• Permanent & total Disablement
• Unemployment (More than 2 months) and Getting Married ( Only in case of Female Member) – (Select ‘Others’ in the drop
down)

You need to submit the hardcopy of the PF withdrawal Forms along with supporting documents to Retiral Settlement Team at
the below mention address.
Retiral Settlement Team.
Tata Consultancy Services
Akruti Business Port. Gateway Park, Road No.13
MIDC, Andheri (E), Mumbai - 400093, Maharashtra, India

• You will receive an email confirmation from TCS regarding completion of the withdrawal process.

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 Your Retirals - Provident Fund (continued)
A Provident Fund

Are you holding a passport other than India passport?

If yes, you will get covered under the purview of international worker provisions of EPF Act, 1952 , you can withdraw PF
and Pension only under following circumstances.

1. If you are holding passport of a Country with which India has signed and enforced a social security agreement. you
can withdraw your PF and pension upon separation from TCS. You may refer www.epfindia.gov.in to know the
Countries with which India has operative Social Security Agreements

2. If you are holding passport of a Country with which India has not entered into a social security agreement, you can
withdraw your PF and Pension only under following circumstances. You will continue to earn interest on your PF
accumulations till you are entitled to withdraw PF :
 On attaining retirement age.
 On retirement on account of permanent and total incapacity for work

While basic information is covered in this slide, we recommend that you contact your Separation Officer while
filling the forms before your last working day. Post release from TCS, For any queries you can raise ticket in
Alumni Portal . Log into Alumni Portal - https://www.alumniportal.tcs.com
Click on: Help Desk Tab
Select Category:
Select Sub Category:
Upload Documents (If any):
Raise query in “Comments”: &
Click on Submit.

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 Your Retirals - Provident Fund (continued)

Provident Fund
A

Guidelines for TCS e-Serve International Employees :

How do I settle/transfer my Provident Fund with TCS e-Serve International Ltd.?
If you are an employee of TCS e-Serve International Ltd (TEIL) at the time of leaving, you need not transfer your PF /
Pension to TCS, you can directly transfer your PF/Pension with TEIL to your next organization through manual Form 13
(Refer Artifact 3 – Form 13 and Artifact 3a – Guidelines for filling Form 13 ) OR
Settle your PF/Pension by filling Form 19 & Form 10C TEIL. (Refer Artifact 4 for filling TEIL Form 10 C and Form 19 and
Artifact 4a for Guidelines for filling TEIL Form 10C and Form 19) You may access this forms on TCS Alumni Portal ->
Retiral Forms

PF /Pension Transfer initiation for TEIL employees :

You are required to mention below details about your TCS PF/Pension account on Form 13.
• P.F. Account No. (With EPFO office): GN / GGN / 29301 / 000 / Your TEIL PF Number. (You can refer your TEIL PF
slip/statement)
• Name of the establishment : TCS e-Serve International Ltd.
• Address of the establishment : Tower A, 2nd Floor, Building No. 6, W Block, DLF Phase III, Gurgaon, Haryana 122 002.
• PF Account is held by : RPFC Gurgaon.
• You are required to send the duly signed Form 13 to Corporate FFS Team ,Desk # 4J - 70 , Olympus "A" Wing, Opp.
Rodas Enclave, Hiranandani Estate. Ghodbunder Road. Patlipada. Thane West - 400607.

How can I check the PF balance with TCS e-Serve International Ltd.?
You can refer your E-Passbook on EPFO portal. It will reflect your PF balance up to your last date in TCS e-Serve
International. You can write to [email protected] for any queries related to your TEIL PF account.

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 Your Retirals – Pension

B Provident Fund (Pension)

 What is Pension and how is it different from Provident Fund?

During your employment, a part of your employer’s monthly contribution towards PF is remitted to a separate pension
account and the remaining amount is remitted to your PF account maintained with TCS PF trust.
The pension fund is maintained with the Regional Provident Fund Commissioner ‘s (RPFC) which is an external authority.
Out of TCS share of 12 percent of Basic salary, 8.33 per cent is diverted towards EPS with a cap of Rs. 1250 per month .
When the member separates from TCS, he /she needs to follow the necessary procedure to settle the pension amount
with RPFC.
For International Worker, pension contribution is made @ 8.33% of Basic Salary. There is no cap for pension contribution
for International worker (Refer slide no. 15 for details).
 Do I need to follow a separate process for settlement of my Pension? What are the options?
Following options are available to you based on your pension contributory service.
1. Monthly Pension
2. Withdrawal
3. Scheme Certificate
4. Transfer to next employer’s pension account

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 Your Retirals – Pension

B Provident Fund (Pension)

Option 1: Monthly Pension

Employee is entitled for monthly Pension benefit under the Employees Pension Scheme, 1995, on completion of
contributory service of 10 years and on attaining the age of 58 years. Employee can avail reduced pension at the age of
50 and above wherein the monthly pension is reduced at the rate of 4% for every year the age fall short of 58 years.
 If you are entitled for Monthly Pension, raised ticket in Alumni Portal. Log into Alumni Portal -
https://www.alumniportal.tcs.com to get the Monthly pension application Form (Form 10 D).
Click on: Help Desk Tab
Select Category:
Select Sub Category:
Upload Documents (If any):
Raise query in “Comments”: &
Click on Submit

 TCS will forward this to the RPFC and further follow ups should be done directly with the RPFC since TCS is not
involved in the Monthly Pension process

Option 2: Pension Withdrawal:

If you have not rendered the eligible service (i.e. Service less than 10 years), on the date of exit, you can opt for Pension
withdrawal, once PF settlement completed. You can initiate pension withdrawal through UAN portal at the EPFO portal
through your TCS UAN at the path given below :
Please note you need to activate your UAN using below path.
epfindia.gov.in >>> Services >>> Member UAN/Online Services >>> Enter UAN & Password >>> Online Services Menu >>
Form 10

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 Your Retirals – Pension (continued)

B Provident Fund (Pension)

Option 3: Scheme Certificate:

You can opt for Scheme Certificate under following scenarios -
1. When you are joining an establishment which is not covered under the provisions of Pension Scheme and you wish
to retain your membership with Pension Fund.
2. If you have rendered the eligible service (i.e. Service more than 9.5 years) however not attended the age of 58 years
and you are not joining any organization covered under Pension Scheme.
Fill the attached form and submit the same to your Branch Separation Officer. (Refer: Artifact 6 -
Employee Pension Scheme Form (EPS)10 C- TCS, Artifact 6a – Guidelines for filling Form 10 C- (EPS)

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 Keep in touch!

Register on the TCS Alumni Portal

 We invite you to stay connected with TCS by registering on our Alumni Portal
mailto:https://www.alumniportal.tcs.com/
 You will receive an email confirming your registration along with the login credentials, 2 days after your
approved release date. You will also receive a one-time password which you will need to change on the first
login
 In case you do not receive this email, you may register yourself at https://www.alumniportal.tcs.com/ and
select “Register Now” or If you have already registered then please select “Forgot your password” to
reset password.
 We deeply value your contributions during the period of your association with us and we aim to further
strengthen this bond.

Documents Available for download in Alumni Portal

 Latest PF Statement
 Latest Superannuation Statement
 Last 3 years Form 16
 Last 6 months Payslips
 FFS statement
 PF Settlement Letter
 Retiral settlement forms (PF, SF and Pension)

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Thank You