Non-Refundable Provident Fund Withdrawals

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Oct 10, 2018

TCS Internal
| Copyright © 2017 Tata Consultancy Services Limited
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Introduction

Tata Consultancy Services Limited is covered under Employees’ Provident Fund and Miscellaneous Provisions Act, 1952 (The EPF & MP Act,
1952) with effect from July 27, 2006. Pursuant to this coverage and in compliance to the rules and regulations thereto, Non-Repayable PF
withdrawal benefit can be availed by employees for following purposes while in service subject to conditions:

●
Purchase of House / Flat
●
Build a house
●
Acquisition of site for building a house
●
Additional withdrawal for additions, alterations and improvements necessary to the dwelling house
●
Repayment of home loans taken from financial institutions.
●
Expenses towards illness of the member or family member(s)
●
Higher education and marriage purpose
●
Withdrawal for abnormal conditions – natural calamities
●
Purchasing an equipment required by physically handicapped member
●
Withdrawal within one year before the retirement
●
Further withdrawal for addition, alterations or improvements necessary of the dwelling house
●
Financing of member’s life insurance policy
●
Withdrawal under 68 BD (that is, Purchase of house/flat, Acquisition of site and Build a house)

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TCS Internal
Eligibility

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All full-time TCS India employees are entitled to avail Non-Repayable PF withdrawals from their accumulations in
Provident Fund Accounts for certain purposes as specified under The EPF & MP Act, 1952, provided the eligibility
conditions of the minimum membership with the fund are met.

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Non-Repayable PF Withdrawals are not available to Business Associates, Contract Consultants, and Academic Interns.

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Voluntary Provident Fund (VPF) is a part of member’s Provident Fund contribution.

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Any amount that a member contributes towards VPF is credited to his/her PF fund, hence all rules including interest
and withdrawal will be applicable to VPF similar to that of PF.

§
A member can withdraw his/her PF based on the eligibility criteria and as per the accumulated PF balance including VPF
amount.

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TCS Internal
Purchase of House / Flat
ELIGIBILITY CRITERIA
• Five years membership of the Fund
• The member’s own share of
contribution with interest thereon in
the amount standing to his credit in
the fund is not less than Rs.1,000/-
• Other Conditions: The purchase of
house shall be completed within 6
months of the withdrawal of the
amount.
WITHDRAWAL ALLOWED
Least of the following
• Basic wages for 36 months
OR
• Member’s own share of contributions
together with the employer’s share
of contributions, with interest
thereon
OR
DOCUMENTS TO BE SUBMITTED
• Composite Claim Form
• Cheque Leaflet of Salary bank account
Ready Possession/Under construction :-
• Allotment / Booking letter with payment schedule (slab wise break up) duly signed,
stamped and dated on builder’s letterhead in favor of the seller
OR
Copy of Registered Agreement between the member and Builder/Vendor/Seller on
stamp paper.
● Construction /land agreement (if any)
● As on date outstanding dues letter on the letterhead of the Builder/Vendor/ Seller in
case the Agreement/Allotment/Booking letter is dated more than a month.

• The total cost of acquisition of house Resale Property:-

or flat 1. Copy of the Registration of Agreement between the member and
Builder/Vendor/Seller on stamp paper.
2.Memorandum of Understanding between the member and Vendor/Seller on stamp
paper.
3.As on date outstanding dues letter from Seller in case the Agreement/MOU is dated
Note: more than a month
This facility is permissible only once in
the tenure of TCS service.
Post Withdrawal Documents (any one):

Member is required to submit Ready Possession or Registered Sale Deed or Possession

letter or Completion Certificate within 6 months to 1 year from the date of withdrawal,
failing which the disbursed amount will be recovered from the member with penal
interest at the rate of 2% per annum.
Note :

• In case any of the above mentioned document is in local language, kindly get it
translated in English and forward us the duly notarized Document.
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TCS Internal
 Build a House

ELIGIBILITY CRITERIA WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED

• Five years of membership of the fund.
• The member’s own share of contribution
with interest thereon in the amount
standing to his credit in the fund is not
less than Rs.1,000/-
• Other Conditions: Construction shall
commence within 6 months of the
withdrawal of the first instalment and
shall be completed within 12 months of
the withdrawal of the final instalment.
Least of the following
• Basic wages for 36 months
OR
• Member's own share of contributions
together with the employer's share of
contributions, with interest thereon
OR
• Total cost of construction
• Composite Claim Form
• Cheque Leaflet of Salary bank account
• Registered Land Agreement
• Encumbrance Certificate or The extract of 7 /12 issued by Tehsildar or Authority
• Statement of Estimated Cost of Construction
• Approved Building Plan and Permission from the local authority.
• Agreement entered with Contractor for Construction if any
• As on date Outstanding dues letter on the letterhead of the Builder/Civil
Engineer/Architecture in case the statement for estimated cost is dated more than a
month
Post Withdrawal Documents :
• Member is required to submit Completion Certification from the contractor towards
completion of building of house within 6 months to 1 year from the date of withdrawal,
failing which the disbursed amount will be recovered from the member with penal
interest at the rate of 2% per annum.

Note: Note :
This facility is permissible only once in the • In case any of the above mentioned document is in local language, kindly get it
tenure of TCS service. translated in English and forward us the duly notarised Document.

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TCS Internal
Acquisition of Site
ELIGIBILITY CRITERIA
Five years of membership of the fund.
The member’s own share of contribution
with interest thereon in the amount
standing to his credit in the fund is not
less than Rs.1,000/-
Other Conditions: Construction shall
commence within 6 months of the
withdrawal of the first instalment and
shall be completed within 12 months of
the withdrawal of the final instalment.
WITHDRAWAL ALLOWED
Least of the following
• Basic wages for 36 months
OR
• Member's own share of contributions
together with the employer's share of
contributions, with interest thereon
OR
• Total cost of construction
Note:
This facility is permissible only once in the
tenure of TCS service.
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TCS Internal
DOCUMENTS TO BE SUBMITTED
● Composite Claim Form
● Cheque Leaflet of Salary bank account
From Builder :-
● Allotment/Booking letter with payment schedule (slab wise break up) duly signed, stamped &
dated on builder’s letterhead in favor of the seller.
● Statement of Estimated Cost of Construction
● Copy of the Registration of Agreement between the member and Builder/Vendor/Seller on
stamp paper.
● As on date outstanding dues letter on the letterhead of the Builder/Vendor/ Seller in case the
Agreement/Allotment/Booking letter is dated more than a month.
● Encumbrance certificate in favor of member
Resale Property:-
1.Copy of the Registration of Agreement between the member and Builder/Vendor/Seller on
stamp paper.
2.Memorandum of Understanding between the member and Vendor/Seller on stamp paper.
3.As on date outstanding dues letter from Seller in case the Agreement/MOU is dated more than a
month.
4. Encumbrance Certificate or the extract of 7/12 issued by Tehsildar or Authority in favor of your
seller.
Post Withdrawal Documents :
Member is required to submit Encumbrance certificate in favor of member or Ready Possession
within 6 months to 1 year from the date of withdrawal, failing which the disbursed amount will be
recovered from the member with penal interest at the rate of 2% per annum.
Note : In case any of the above mentioned document is in local language, kindly get it translated
in English and forward us the duly notarised Document.
Additional withdrawal for additions, substantial alterations or improvements
ELIGIBILITY CRITERIA
• Five years membership of the Fund
• This additional withdrawal for
additions, substantial alterations or
improvements is permissible only when
the dwelling house owned by the
member or jointly by the member and
the spouse.
• It is admissible only after a period of
five years from the date of completion
of the dwelling house.
• If a member has availed NRW benefit
earlier for Purchase of House or Build a
House and he /she is willing to apply for
Additional withdrawal then it is
mandatory that the additional
withdrawal should be applied for the
same house after a period of five years
from the date of completion of the
dwelling house.
WITHDRAWAL ALLOWED
Least of the following
• Basic wages for 12 months
OR
• Member's own share of contributions
with interest thereon in the amount
standing to his credit in the fund
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DOCUMENTS TO BE SUBMITTED
• Composite Claim Form
• Cheque Leaflet of salary bank account
• Approval of appropriate local authority/Society
• Registered Sale Deed of the House
• Estimated cost of renovation / alteration of the house on the letterhead of
Contractor
• Certificate from the concerned local authority specifying the date of completion of
house
• As on date Outstanding dues letter in case the statement for estimated cost is dated
more than a month
• If the house is a resale property and has not completed 5 years at the time of PF
withdrawal, then previous sale deed or electricity bills, tax paid receipts prior to 5
years will be required.
Post Withdrawal Documents :
• Member is required to submit completion letter within 6 months to 1 year from the
date of withdrawal from concerned contractor, stating the renovation is completed,
failing which the disbursed amount will be recovered from the member with penal
interest at the rate of 2% per annum.
Note
• In case any of the above mentioned document is in local language, kindly get it
translated in English and forward us the duly notarised Document.
Repayment of Home Loans
ELIGIBILITY CRITERIA
• Ten years membership of the Fund
• The Member’s own share of
contribution with interest thereon in the
amount standing to his credit in the
Fund should be Rs. 1000/- or more
• The repayment of Principal amount or
interest of a loan obtained in the name
of the member or jointly by the member
and the spouse.
• If any member has availed NRW benefit
earlier for Purchase of House /site and
he /she is willing to apply for Repayment
of Home Loan then it is mandatory that
the Repayment of Home Loan should be
applied for the same property.
WITHDRAWAL ALLOWED
Least of the following
• Basic wages for 36 months
OR
• Member's own share of contributions
together with the employer's share of
contributions, with interest thereon in the
member's account in the fund
OR
• Amount of outstanding principal and
interest on the said loan
Note:
The repayment of housing loan is permissible
only once in the tenure of TCS service.
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TCS Internal
DOCUMENTS TO BE SUBMITTED
• Composite Claim Form
• Loan Sanction Letter issued by Financial Institute/Bank mentioning the detail on the
land / House purchased
• Amortisation/EMI statement from the Bank.
• As on date Outstanding dues letter on the letterhead issued by Financial
Institute/Bank
• Registered Sale Deed of the property
Post Withdrawal Documents :
● Member is required to submit acknowledgement from the bank towards the cheque
deposited. and acknowledgement of the cheque from the member Immediately
once the cheque received and deposited into the bank from where loan was taken
by him failing which the disbursed amount will be recovered from the member
with penal interest at the rate of 2% per annum.
Note :
• As per the rules under The employees' Provident Fund Scheme , 1952 the payment of
the PF withdrawal shall be made direct to the financial agency on receipt of an
authorisation from the member & in no event the payment shall be made to the
member's bank account.
• You are therefore requested to forward us revised Composite Form with below bank
account details
• Payee Bank Name
• Payee Bank Address
• Payee Bank Account number
● Bank IFSC code
● Once TCS EPF Trust team transfers the amount to the payee bank , it gets credited
into the suspense account of the respective bank. The member is required to
connect with his bank & confirm the payment details to enable the bank
authorities to adjust the same with his loan amount.
 Expenses towards Illness of the member or family member(s)

ELIGIBILITY CRITERIA WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED

• Applicable to those members to whom Employees’ State
Insurance Scheme facilities and benefits are not actually
available
• It is applicable in following scenarios –
⁻ Suffering from TB, Leprosy, Paralysis, Cancer, mental
derangement or Heart ailment and availing leave for
treatment
⁻ Major surgical operation in a hospital
⁻ Hospitalisation lasting for one month or more.
Note:
• Family constitutes of dependent parents, spouse and
children.
• The Employees are advised to first avail the benefit under
Health Insurance Scheme (HIS), the PF NRW should be
applied only if the illness is not covered Under HIS.
Least of the following
• Basic wages for 6 months
OR
• Employee’s own share of contribution
with interest in the fund, whichever is
less
• Composite Claim Form
• Cheque Leaflet of salary bank account
• Estimated /Anticipated expenses of hospitalisation equivalent to the
amount of PF withdrawal
4) Medical Reports indicating the illness
Post Withdrawal Documents :
• Member is required to submit a copy of discharge summary/fitness
certificate from hospital/doctor within 6 months from the date of
withdrawal, failing which the disbursed amount will be recovered
from the member with penal interest at the rate of 2% per annum.
Note
• In case any of the above mentioned document is in local language,
kindly get it translated in English and forward us the duly notarised
Document.

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Higher Education and Marriage Purpose
ELIGIBILITY CRITERIA
• Seven years of membership of the Fund.
• The Member’s own share of contribution
with interest thereon in the amount standing
to his credit in the Fund should be Rs. 1000/-
or more.
• The withdrawal for marriage purpose can be
availed only prior to the marriage.
• Withdrawal towards Marriage is allowed only
for Members own marriage, marriage of
member’s daughter or son or sister or
brother.
• Withdrawal towards higher education is
allowed only for post Matriculation
education of member's son or daughter.
• Other Conditions: Not more than three
advances are admissible for these purposes.
WITHDRAWAL ALLOWED
• 50% of member’s own share
of contribution with interest
thereon standing to the credit
in the Fund
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TCS Internal
DOCUMENTS TO BE SUBMITTED
Higher Education
• Composite Claim Form
• Cheque Leaflet of salary bank account
• Certificate from the Institution regarding the course of study and anticipated expenditure
• Prospectus from the Institute/college
• Fee structure
Post withdrawal Document
Member is required to submit fees payment receipt from the concerned educational
institution within 6 months from the date of withdrawal, failing which the disbursed amount
will be recovered from the member with penal interest at the rate of 2% per annum.
Marriage
• Composite Claim Form
• Cheque Leaflet of salary bank account
• Marriage Invitation card
• Age proof of employee/Son/Daughter/Sister/Brother such as PAN Card copy, Passport Copy
or copy of School Leaving Certificate
Post withdrawal Document
• Member is required to submit copy of marriage certificate within 6 months to 1 year from
the date of withdrawal, failing which the disbursed amount will be recovered from the
member with penal interest at the rate of 2% per annum.
• In case any of the above mentioned document is in local language, kindly get it translated in
English and forward us the duly notarised Document.
Withdrawal for abnormal conditions – Natural Calamities
ELIGIBILITY CRITERIA
• Non repayable Advance in case of
calamity of exceptional nature such as -
Floods, Earthquakes, Riots, and so on.
• Application for advances shall be made
within a period of 4 months from the date
of declaration by the State Govt. as
calamity
WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED
Least of the following
• Composite Claim Form
• Rs.5,000/- • Cheque Leaflet of salary bank account
• State Govt. declaration, that is, Press Note
OR • Certificate from appropriate authority indicating that the member’s property
has been damaged as a result of natural calamity
• 50% of his own total contributions • Application for the advance to be made within a receipt 4 months from the date
including interest thereon standing to declaration of natural calamities by the appropriate government
member’s credit
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Purchase of an equipment required by physically handicapped member
ELIGIBILITY CRITERIA
• Applicable to members who are
physically handicapped
• Other Conditions: No second advance
shall be allowed within a period of 3
years from the date of payment of
earlier advance under this provision
WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED
Least of the following • Composite Claim Form
• Cheque Leaflet of salary bank account
• Basic wages for 6 months • Anticipated cost of the equipment on vendor's letterhead (duly authorised by
OR vendor)
• Employee’s own share of contribution with Post withdrawal Document :
interest in the fund
Member is required to submit a copy of payment receipt for the equipment
OR purchased within 6 months from the date of withdrawal, failing which the
disbursed amount will be recovered from the member with penal interest at
• Cost of equipment the rate of 2% per annum.
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Withdrawal within one year before the retirement
ELIGIBILITY CRITERIA
• This withdrawal is applicable only on
attainment of the age of 57 years by
the member or within one year before
the actual retirement or
superannuation age whichever is later
WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED
• Withdrawal of up to 90% of the amount • Composite Claim Form
standing to the member’s credit • Cheque Leaflet of salary bank account
• Age Proof such as Passport Copy or School Leaving Certificate
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TCS Internal
Further withdrawal for addition, alterations or improvements necessary of the
dwelling
ELIGIBILITY CRITERIA WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED

• Applicable only after 10 years of the
withdrawal under ‘Additional
withdrawal for additions, substantial
alterations or improvements’
Least of the following
• Basic wages for 12 months
OR
• Member's own share of contributions with
interest thereon in the amount standing to
his credit in the fund
• Composite Claim Form
• Cheque Leaflet of salary bank account
• Approval of appropriate local authority/Society
• Registered Sale Deed of the House
• Estimated cost of renovation / alteration of the house on the letterhead of
Contractor
• Certificate from the concerned local authority specifying the date of
completion of house
• As on date Outstanding dues letter in case the statement for estimated cost is
dated more than a month
• If the house is a resale property and has not completed 5 years at the time of
PF withdrawal, then previous sale deed or electricity bills, tax paid receipts
prior to 5 years will be required.

Post withdrawal Document :

• Member is required to submit completion letter within 6 months to 1 year

from the date of withdrawal from concerned contractor, stating the renovation
is completed, failing which the disbursed amount will be recovered from the
member with penal interest at the rate of 2% per annum.

Note :
• In case any of the above mentioned document is in local language, kindly get it
translated in English and forward us the duly notarised Document.

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Financing of Member’s Life Insurance Policy

ELIGIBILITY CRITERIA WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED

• This withdrawal is permissible for financing of member’s
Life Insurance Policy (Except for educational and
marriage endowment policy which becomes due for
payment in whole or in part before the member attains
the age of 55 years)
• Life Insurance shall be taken by member on his or her
own life.
• Life Insurance Policy shall be legally assignable by the
member to the Board of Trustees.
• Policy shall be free from all encumbrances.
• Member’s own contribution in Provident Fund with
interest thereon should be sufficient to pay the premium
• Withdrawal will be from member’s own
contribution with interest thereon standing to
his credit in the Fund
• Composite Claim form
• Form 14
• Form 15
• LIC Policy document in original. The policy needs to be
endorsed in the name of the Board of Trustees of TCS EPF
Trust. This needs to be submitted to the Board of Trustees
within six months of payment of first premium in case of
new policy.
• Copies of payment made to LIC after withdrawal
• Age Proof such as PAN Card copy, Passport Copy or copy of
School Leaving Certificate
• In case of existing policy Notice of assignment of policy
shall be given by the member to the Life Insurance
Corporation prior to taking advance from the Provident
Fund.

• Where the payment is to be made on the first premium,

the member’s own contribution in the Provident Fund
with interest thereon shall be sufficient to pay the
premium for two years.

• The premium shall be payable yearly

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TCS Internal
 Withdrawal under 68 BD (Purchase of House/Flat, Acquisition of Site and Build
a House)
ELIGIBILITY CRITERIA
• Associate should be member of a Co-Operative Society or
Society should be registered for the housing purpose under
any law for the time being in force and such society should
have at least ten members who are members of the
Provident Fund Scheme.
• Provident Balance should not be less than Rs.20000/-
• Member should purchase Dwelling house/flat or Dwelling
site or construction of dwelling house from central
government, State government or any housing agency
under any housing Scheme or any promoter or builder for
the members
WITHDRAWAL ALLOWED DOCUMENTS TO BE SUBMITTED
• Withdrawal of up to 90% of the total contribution • It should be similar as per the PF withdrawal type of
‘Purchase of House/flat
• It should be similar as per the PF withdrawal type of
‘Acquisition of site’
• It should be similar as per the PF withdrawal type of ‘Build a
House’
Post Withdrawal Documents :
• Member is required to submit post withdrawal documents
similar under the PF withdrawal type of ‘Purchase of House,
Acquisition of site and Build a House’ within 6 months to 1
year from the date of withdrawal, failing which the disbursed
amount will be recovered from the member with penal
interest at the rate of 2% per annum.
Note :
• In case any of the above mentioned document is in local
language, kindly get it translated in English and forward us
the duly notarised Document
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TCS Internal
Navigation Path to apply for Non-Repayable PF Withdrawal
Navigation: Ultimatix >> GESS >> Benefits and Taxes >> Provident Fund (PF) >> PF Withdrawal

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TCS Internal
Selecting Type of PF Withdrawal

§
Click the Type of PF
Withdrawal drop-down.
§
Select from the list of PF
Withdrawal types which
need to be availed.

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TCS Internal
Mandatory fields to be filled in

§
After selecting the PF
Withdrawal type, read
the rules and
regulation before
proceeding further.
§
Enter the amount to
withdraw and click on
Check eligibility
button.
§
Mandatory fields are:
- Type of PF
Withdrawal
- Amount to withdraw

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TCS Internal
Check Eligible Amount

§
Enter the amount and
click on Check
Eligibility button.
§
If the entered amount
is within the
withdrawal limit for the
selected PF type, a
success message will
appear as shown.
§
In case the amount
entered is greater than
the PF eligible limit, the
application will not
allow to apply the
request.
§
The request can be
saved as draft using the
Save as Draft button.

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TCS Internal
Mandatory fields to be filled in and Request submission

§
Enter the details for the
selected PF type.
§
All the fields are
mandatory.
§
The request can be
saved as draft using the
Save as Draft button.

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TCS Internal
Upload Supporting Documents

§
Supporting documents
has to be submitted for
the PF request.
§
Select the checkbox in
the “Documents to be
uploaded as a soft
copy” section.
§
Then click on attach
icon to upload the file.
§
Similarly upload all the
documents.

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TCS Internal
Upload Supporting Documents

§
Supporting documents
has to be submitted for
the PF request.
§
Select the checkbox in
the “Documents to be
uploaded as a soft
copy” section.
§
Then click on attach
icon to upload the file.
§
Similarly upload all the
documents.

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TCS Internal
Review and Confirm

§
The details which user
has entered on the
previous pages are
shown here for the
review purpose.
§
If some details needs to
be modified, navigate
to the respective page
using the Back button.
§
Edit the details and
click on Continue
button.
§
After final review, click
on Confirm button to
submit the PF request.

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TCS Internal
Request Submitted Page

§
Following message will
be displayed:
§
Your PF Withdrawal
request has been
submitted successfully
with Request No.
PFW_1234567
Please upload the
signed copy of
composite claim
Form,Request Form
and copy of cancelled
cheque of salary bank
account from My
Requestlist, failing
which your request will
be rejected.

25
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TCS Internal
My Request List Page

Navigation: Ultimatix >> GESS >> My Request Lists >> Benefits and Taxes >> PF Withdrawal Requests

26
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TCS Internal
Post Withdrawal Documents Work Area

Navigation: Ultimatix >> GESS >> My Worklist >> Request No.

§
Once the request has
been approved at the
Finance level, the
request will come to
applicant’s queue,
which can be seen in
his/her “My Worklist”.
§
The applicant thus has
to submit the Post
Withdrawal
documents.
§
The documents can be
uploaded through the
“My Work Area”
section.

27
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TCS Internal
Request Form
Navigation: Ultimatix >> GESS >> My Request Lists >> Benefits and Taxes >> PF Withdrawal Requests >> Request No. >> Downloadable
Documents

§
The document can be
downloaded from the
Request list.
§
Download the
documents and submit
the soft copies at the
mentioned path in the
Request list details
page.

28
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TCS Internal
Composite Form
Navigation: Ultimatix >> GESS >> My Request Lists >> Benefits and Taxes >> PF Withdrawal Requests >> Request No. >> Downloadable
Documents

§
The document can be
downloaded from the
Request list.
§
Download the
documents and submit
the softcopy at the
mentioned path in the
Request list details
page.

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TCS Internal
Role of the Requester

●
The member takes print outs of all the system generated documents such as Request Form,
Composite Form.

●
The member signs at appropriate places and submits soft copies of the documents on the my
Request details page.

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TCS Internal
 Escalation Matrix

Team: PF Facilitation Cell

For any queries related to Provident Fund / Pension
SLA: 3 Working Days Contact Transfer please raise a ticket in TCS Global Helpdesk
 IT Services and others  HR Services  India 
Retirals – Non Repayable PF Withdrawal

Escalation Name: Ms. Sarita Surve

SLA: 2 Working Days
1

Escalation Name: Ms. Rupalee Shinde (Head – Social Security)

SLA: 2 Working Days
2

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TCS Internal
 Thank You

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