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. Form 10D is used to sanction the amount saved under the EPS. In this scheme, employees can claim the pension when they retire at the age of 58 or older. However, pension rules are different for everyone. To make it easier, we will list all the segments that are important to know. For example, how to download it, what it is used for and why you need it, who can apply, etc.
Form 10D is like a pension withdrawal form post-retirement, but it can only be submitted when you are 58 years old or after the age of 50. The member or their nominee has to fill and submit the form through the employer to the EPFO. Also, applying for a pension after retirement is an offline process.
The compensation of your pension depends on the duration of your employment, your monthly salary, and when you retire. If you retire before age 50, your pension will be reduced by 4 percent every year you are younger than 50.
Form 10D can be filed only offline and give the desired details for registering:
These are different types of pensions that a person can apply for:
Details of the EPF Account
Date of last working: Mention the last working day at your previous organization.
Reason for Leaving Service: State the reason for leaving the company
Address of Communication: Mention the Address to communicate
In the case of Reduced Pension
The opportunity of getting 1/3 of the Pension amount: The retired member can either get the total capital amount or receive 30% of the amount and leave the rest for the monthly pension.
Choose a suitable option.
Option for Return of Capital: You can also withdraw your total pension once.
Nominee Details for Return of Capital
Date of Death of Member (if applicable)
Details of Bank Accounts Opened
If the nominee prefers the claim, indicate their
If you are drawing pension under EPS 1995
Certify at the end
You can claim your EPF Form 10 D if you:
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 member should follow some instructions.
To claim the monthly pension from the Employers’ Provident Fund Organization (EPFO), you must fill in Form 10D, and any member of EPFO can do that. We hope you are aware of this informative blog’s essential details. We also answered some of the general questions related to Form 10D.