What is Form 10D?

Form 10D is a pension withdrawal form, that needs to be completed post-retirement. It is used to sanction the amount saved an employee has saved up under the EPS.

If you have PF deposited under EPFO then you’re registered for both the Employee Provident Fund (EPF) and Employee Pension Scheme (EPS) but you must complete the KYC process to apply for pension. The member or their nominee has to fill in and submit the form through the employer to the EPFO.

Form 10D can only be submitted after retirement at 58 years old or after an early retirement at 50.

The compensation of your pension depends on the duration of your employment, your monthly salary, and when you retire. If you retire before the age of 50, your pension will be reduced by 4 percent every year you are younger than 50.

Components of Form 10D

To fill out form 10D, you need to fill in the following details:

1.By whom the pension is claimed

This part should specify who’s claiming the pension. Options include:

• Self (given they are a registered member of EPF)
• Widower or widow
• Minor or orphan
• Guardian of the minor
• The EPF nominee
• A parent who is dependent

2.Type of Pension Claimed

The type of pension needs to be specified in this field. These are different types of pensions that a person can apply for:

• Superannuation Pension: You can claim a pension monthly after retiring at 58.
• Reduced Pension: You will receive a reduced mention amount if you retire voluntarily before the age of 58.
• Disablement Pension: If you are disabled, you can claim the pension before completing 58 years.
• Widow and Children’s pension: If the member has died, their family members like their spouse and kids can also claim a pension.
• Orphan Pension: Up to the age of 25, the member’s orphan can also claim a monthly pension.
• Nominee Pension: If the employee dies, then their nominee person can also claim the pension monthly.
• Dependent Parent Pension: If the employee has a dependent pension, they can apply for it after the death of a member.

3.Personal details

This part includes the following details:

• Member’s Name (In Block Letters)
• Sex
• Marital Status
• Date of Birth/ Age
• Name of the father or spouse

4.EPF Account Details

This part will have:

• Account Number of the EPF
• RO
• Office
• Code Number of the establishment
• Account Number

5. Name and Address of the last working company

This part should have the name and address of the company the employee last worked at.

6.Date of last working day

Mention the last working day at your previous organization.

7. Reason for Leaving Service

State the reason why the employee left the company.

8.Address of Communication

Include your communication address here. It can either be a residential or a permanent address.

8(a). In the case of reduced pension

This part needs to be filled in if yor applying for pension before the age of 50. You need to mention the date, month, and year of the day of commencement of pension.

9. Option of Commutaion of 1/3 of Pension

Retired employees can claim their entire pension amount at once. They can either get the total capital amount or receive 30% of the amount and leave the rest for the monthly pension.

This field needs a simple yes/no. If you want a lower commutation, you can specify the percentage in the adjoining space.

10.Option for Return of Capital

Fill in this field if you want to withdraw your entire pension amount at once.

11.Nominee Details for Return of Capital

If you have checked ‘yes’ for the return of capital field, you need to fill in the following details:

• Nominee Name
• Relation
• Date of Birth
• Member’s Address

12.Particulars of Family

This part should include the details of the employee’s dependent family. In the table, fill in:

• Name of the nominee
• Date of Birth of the nominee
• Nominee’s relationship with the member
• If the nominee is a minor, mention the guardian’s name and the relation with the member.

13.Date of Death of Member (if applicable)

Mention the date of death of the employee in who’s name the EPF account was registered. This field can be filled in if a nominee is claiming pension.

14.Details of Bank Accounts Opened

This part should include the details of the bank account the pension amount will be received in. Mention the following details:

• Name of the Bank
• Name of the Branch
• Full postal Address & pin code

A copy of a canceled cheque also needs to be attached with the form.

14. Nominee’s preferences

If the applicant in the nominee, they can indicate their preferred claim along with:

• Name of the nominee
• Relationship with the member

15. Scheme certificate

The applicant needs to specify if they already have the scheme certificate. If they already have it, they need to fill in the following details:

• Control Number of the Scheme Certificate
• Details of the assigning authority

16. Drawing pension under EPS 1995

If the applicant is claiming pension under EPS 1995, they need to fill in the following:

• PPO Number
• Issued by RO/ SRO

17. Documents enclosed

In this part, enter the details of the documents (like cancelled cheque and scheme certificate) the applicant will be enclosing with the form.

The last part following this consists of a declaration where the applicant must fill in:

• Date and Place
• A signature or Left-Hand Thumb Impression of the Applicant
• Signature of the Employer

Eligibility for Form 10D

You can claim your EPF Form 10 D if you meet any of the following criteria:

• If you are a salaried employee and a member of EPFO.
• If you are a widow or widower
• If you are a nominee.
• If you are a minor or an orphan and your family members were registered as EPF members, you can still benefit from their contributions.
• If you are an EPF member’s guardian or dependent parent.

Things to remember when applying for Form 10D

For getting pension after retirement under eps-95 the member must submit form 10D. By using Unified Member Portal, the member can submit the form online and offline. When submitting the form 10D online the members should meet the following criteria:

• Ensure your UAN is linked with your Aadhaar number.
• Your bank account’s KYC and other details must be up to date.
• You must have an active UAN number.
• Ensure your profile photo is up-to-date and your phone number is working.
• Verified E-signature should be used to e-nominate.
• Your employment history should be updated with proper details of the date of commencement of your employment and departure.
• You need to have worked for a minimum of 10 years.

Documents required for Form 10D

In addition to the duly filled form, the applicant must enclose the following documents wherever applicable:

• The pensioner’s description of his specimen signature/thumb impression must be enclosed with the claim form.
• Three passport-sized snapshots are also required.
• Before being declared permanently disabled by the Medical Board appointed by the EPFO, employees must first undergo a complete medical examination. To apply, the person must attach necessary documents to the form.
• When a member retires or dies, the establishment must issue a certificate detailing what the member is entitled to.
• If an authorized officer is not available, the application may be forwarded through any magistrate, gazetted officer, bank manager, or any other person approved by the Commissioner.

Form 10D- FAQs

Can I submit Form 10D online?

Yes, form 10D can be submitted online through the EPFO portal.

Who can apply for Form 10D?

The retired employee themselves, and in case of their demise, their nominees can apply for pension with Form 10D.

How to check form 10D status?

Form 10D status can be checked online though the UAN and EPFO portals, the UMANG app, missed calls and even via SMS.

Can I withdraw my entire pension amount?

Yes, you can withdraw your entire pension amount at once.