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Members of the EPFO are, by default, part of the Employee Pension Scheme (EPS). On retirement, the individual is eligible for a regular pension. To apply for the pension amount, one needs to submit the EPF Form 10D. Therefore, the main purpose of Form 10D is pension withdrawal after retirement. Furthermore, the pension amount depends on the monthly pensionable salary and the total number of years in pensionable service. This article covers what EPF Form 10D is and how to fill it.

What is EPF Form 10D?

EPF Form 10D is a pension withdrawal form post-retirement. The eligibility to submit the form is either you are in your retirement year (58 years) or after 50 years (early retirement at reduced pension). Furthermore, the member or their nominee (in case of the member’s death) has to fill and submit the form. The form submission is through the employer (establishment) to the EPFO. Also, the entire process of applying for a pension after retirement is an offline process.

The pension amount depends on the monthly pensionable salary and the total number of years in pensionable service. Furthermore, for early retirement (after 50 years of age), the pension would be at a discounted rate of 4% each year.

Who is eligible to claim Pension through EPF Form 10D?

The following persons can file for EPF Form 10D:

  • EPF Member
  • Widow or Widower
  • Orphan or Major
  • Guardian
  • Nominee
  • Dependent Parent

How To Fill EPF Form 10D?

Download the Pension Form from the Official EPFO Website.

You can file EPF Form 10D only offline. You will have to provide the following details in the EPF Form 10D to be able to register for monthly pension:

  1. By Whom the Pension is Claimed
    • EPF Member
    • Widow or Widower
    • Orphan or Major
    • Guardian
    • Nominee
    • Dependent Parent
  2. Type of Pension Claimed : Following are the different types of pensions that a beneficiary can avail:
    • Superannuation Pension: You can claim a superannuation pension (monthly pension) after retirement at the age of 58 years.
    • Reduced Pension: You will receive a reduced mention for early retirement after 50 years of age. It is nothing but a monthly pension at a discounted rate of 4% per year.
    • Disablement Pension: In the case of permanent and total disablement, you can claim an early monthly pension.
    • Widow and Children’s pension: The widow and children of the member can claim a monthly pension upon the member’s death.
    • Orphan Pension: Orphans of the member can claim monthly pension up to 25 years of age. 
    • Nominee Pension: In case there is no family, the member’s nominee can claim the monthly pension after the employee’s death.
    • Dependent Parent Pension: Dependent parents can claim a monthly pension if the member dies without a family (spouse and children) or nominee.
  3. Personal Details
    • Member’s Name (In Block Letters)
    • Sex
    • Marital Status
    • Date of Birth/ Age (dd/mm/yyyy)
    • Father’s Name or Husband’s Name
  4. EPF Account Details
    • EPF Account Number
    • RO
    • Office
    • Establishment Code Number
    • Member’s Account Number
    • Name and Address of the Establishment in which the member was last employed
  5. Date of Leaving Service (dd/mm/yyyy): Mention the last working day at your previous organisation.
  6. Reason for Leaving Service
  7. Address of Communication
  8. In case of Reduced Pension (Opted Date for Commencement of Pension)
    • Date
    • Month
    • Year
  9. Option for Commutation of 1/3 of Pension: Retired individuals have an option to receive their capital amount in a lump sum. You can get up to 30% of the pension corpus in one go and draw a monthly income from the rest. Choose the suitable option from.
    • Yes
    • No
    • If Yes, Quantum
    • If the option is for lesser Commutation, indicate the Quantum %.
  10. Option for Return of Capital: Choose the option if you wish to withdraw the entire pension amount in one go.
  11. Nominee Details for Return of Capital
    • Name
    • Relation
    • Date of Birth (dd/mm/yyyy)
    • Address
  12. Particulars of the Family
    • Name
    • Date of Birth or Age
    • Relationship with Member
    • In case of a Minor: Guardian Name and Relationship with Member
    • Also, if any child is physically disabled, you need to indicate ‘DISABLED’ below their name.
  13. Date of Death of Member (if applicable)
  14. Details of Bank Accounts Opened
    • Name of the Bank
    • Name of the Branch
    • Full postal address & pin code
    • Furthermore, attach a copy of a cancelled cheque
  15. If the claim is preferred by the nominee, indicate his/ her
    • Name
    • Relationship with the deceased member
  16. Details of Scheme Certificate already in Possession of the Member, if any
    • Scheme Certificate received and enclosed
    • Not Received
    • Not Applicable
    • If Received, Indicate the following:
      • Scheme Certificate Control Number
      • Authority who issued the Scheme Certificate
  17. If Pension is being drawn under EPS 1995
    • PPO Number
    • Issued by RO/ SRO
    • Documents Enclosed (Indicate as per the Instructions)
  18. Certify that
    • I’m not drawing Pension under Employees’ Pension Scheme 1995.
    • The particulars given in this application are true and correct.
      • Date
      • Place
      • Signature or Left-Hand Thumb Impression of the Applicant
      • Signature of the Employer        

Employer Section of the EPF Form 10D

The second part of the EPF Form 10D has to be filled by the employer or the authorised officer of the establishment.

  1. Certified that
    • The particular of the member is correct.
    • The particulars of Wages and Pension Contribution for the period of 12 months preceding the date of leaving service are as:
      • Year
      • Month
      • Wages: No. of Days and Amount
      • Pension Contribution Due
      • Details of the period of non-contributory service (If there is no such period, indicate ‘Nil’): Year and No. of days for which no wages were earned.
  2. Enclosures
    • Documents as given in the Instructions
    • Form of descriptive roll and specimen signature
  3. Date
  4. Place
  5. Signature of Employer or Authorised Official of the Establishment with Seal and Date

Descriptive roll of pensioner and his/her Specimen Signature/Thumb Impression

(To be submitted in duplicate in respect of each person eligible for pension)

  1. Name of the Member
  2. EPF Account Number
  3. Name of the Pensioner
  4. Father’s or Husband’s Name
  5. Sex
  6. Nationality
  7. Religion
  8. Height
  9. Personal Marks for Identification
  10. Specimen signature of pensioner
  11. Only in the case of illiterate Claimant (Pensioner) Left-Hand Finger Impression]
    • Thumb
    • Index
    • Middle
    • Ring
    • Small
  12. Place
  13. Date
  14. Signature and Name of the Attesting Authority Official Seal
  15. Upon successfully providing all the details, you will have to submit the EPF Form 10D at the EPFO regional office.
  16. All the required documents have to be enclosed along with the EPF Form 10D.
  17. Upon verifying all the details, the EPF officer will initiate the process for monthly pension disbursal.

Documents Required for EPF Form 10D

Following are the list of documents to be enclosed along with EPF Form 10D:

  • Descriptive role of pensioner and his/her specimen signature/ Thumb impression – To be submitted in duplicate in respect of each person eligible for pension
  • Three passport size photographs
  • In case of permanent disablement, the member must undergo a complete medical examination before the Medical Board that the EPFO appoints. All the relevant documents have to be attached to the form.
  • The employer must provide the certificate and wage particulars of the member at the time of their retirement or death.
  • If the establishment is closed and no authorised person has been designated. The EPF Form 10D application must be transmitted through any one of the following:
    • Magistrate’s list
    • Gazetted officer
    • Bank manager
    • Any other authorised officer as approved by the Commissioner.