EPF Form 10D - How to Fill EPS Pension Form 10D to Claim

When you’ve contributed to the EPF system under an organisation, the next step after retirement or on certain eligible events is claiming your pension under EPS. The crucial form for this is Form 10D, it is used to apply for your monthly pension benefits.

What is Form 10D?

Form 10D is the application form used under the Employees’ Pension Scheme (EPS), 1995, managed by the EPFO for members who are eligible to receive a monthly pension. In effect, when you’ve completed your service and reached the pension-eligibility criteria (or in case of certain disability/death events), you submit Form 10D to claim the pension. In simple terms: this is your application for monthly pension under EPS.

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Eligibility – Who Can Use Form 10D?

You may use Form 10D if you meet one of the following situations:

• You’ve completed 10 years of eligible service under EPS and have reached age 58 (superannuation pension).

• You are aged between 50 and 58 and have left service (you may claim a reduced pension at a discounted rate).

• You are applying due to total and permanent disablement (disablement pension) before retirement.

• Your claim is as a widow/widower, orphan, nominee, or dependent parent of a deceased member who was covered under EPS.

If you have not completed 10 years of service and you reach age 58, you cannot claim the full pension via Form 10D; instead you may apply for withdrawal of your pension portion via Form 10C.

How to Fill Form 10D  Section-by-Section Walk-through

Here’s a breakdown of the form’s key parts, and tips on filling them correctly. The official instructions provided by EPFO (Form 10-D instructions) are helpful.

1. By Whom the Pension Is Claimed
You must tick which of the following applies:

• Member

• Widow / Widower

• Major / Orphan

• Nominee

• Guardian (if minor)

• Dependent parent
  Make sure you tick the correct claimant category.

2. Type of Pension Claimed
Select one from:

• Superannuation Pension (at age 58)

• Reduced Pension (between 50-58)

• Disablement Pension

• Widow & Children Pension

• Orphan Pension

• Nominee Pension

• Dependent Parent Pension
  Ensure you choose correctly, as this determines the calculation scope.

3. Member’s Personal Details

• Member’s Name (in block letters)

• Gender, Marital Status

• Date of Birth (dd/mm/yyyy)

• Father’s Name / Husband’s Name (for married female)
  Fill exactly as in records.

4. EPF Account Details

• EPF Account Number: Usually composed of Region code, Office code, Member account number etc.

• Establishment Code No.
  Ensure the account number is correct, mismatches lead to delay.

5. Name & Address of Last Employer / Establishment

• Name & complete address of the last establishment where you worked.
  Correct employer details help in verification.

6. Date of Leaving Service (dd/mm/yyyy) & Reason for Leaving Service

This is critical for pension calculation.

7. Address for Communication

Provide your current mailing address. If you chose a Reduced Pension, you also fill the “Opted date for commencement of pension” field.

8. Option for Commutation of Pension

If applicable, indicate whether you wish to commute (take a lump sum) up to 30 % of your pension capital, and tick accordingly.

9. Option for Return of Capital

Indicate if you want the “Return of Capital” option (nominee will get back capital after death) and fill nominee details (name, relationship, address, DOB).

10. Particulars of Family

List your spouse / children / nominee or dependent parents as applicable, include name, date of birth, relationship, and indicate minors or disabled children.

11. Details of Bank Account for Pension Credit

• Name of bank, branch, full postal address, pin code

• Account number, IFSC code (if needed)
  Ensure your bank account is active and seeded.

12. Scheme Certificate Details (if any)

If you already hold a Scheme Certificate (under EPS) from a previous employer, mention Certificate Control No., issuing authority etc. This helps add your previous service for calculation.

13. Documents Enclosed

Tick off the list of documents you are attaching (see below). Signature: The applicant signs; employer/authorised signatory certifies.

Employer Section (to be filled by employer/authorised signatory)

• The employer will verify the wage and pension contribution details for the 12 months preceding exit.

• Employers certify service details, wages, pension contributions etc.

Documents Required with Form 10D

Be sure to attach all applicable documents; omissions cause delays. Key documents include:

• Three recent passport-size photographs of the member (or nominee) duly attested.

• Date of birth proof (if not earlier verified).

• Bank passbook copy / cancelled cheque (showing account number & holder name) for pension credit.

• Scheme Certificate (if previously issued) copy, if you have one.

• If applying for disablement pension: Medical certificate of disablement, Board report etc.

• If the claim is due to death: Death certificate of member.

• If the employer has closed business: Descriptive roll of pensioner + specimen signature/ thumb impression.

How to Submit Form 10D – Offline & Online

Although many details are still handled offline, steps are as follows:

Offline Submission:

• Download Form 10D from EPFO website.

• Fill all fields carefully in block letters, attach documents.

• Have an employer/establishment certify section.

• Submit to your last employer or directly to EPFO Regional Office (if employer is defunct) with two copies if needed.

Online (where applicable):

• Visit EPFO Unified Member Portal → Login with UAN.

• Navigate to ‘Online Services’ → ‘Claim (Form 31, 19, 10D etc)’.

• Select Form 10D → Verify your bank details, scheme certificate, nominee details.

• Upload documents if required, submit claims.

• Verify using OTP via your Aadhaar-linked mobile.

• Track claim status online.

Key Points & Tips to Avoid Delays

• Ensure UAN is linked, Aadhaar seeded and KYC complete (if submitting online).

• Fill every section accurately, mistakes in account number, date of exit, employer name cause rejections.

• Attach all required documents; missing documents delay processing.

• A clear employer section is important; employers must certify service and contributions.

• If you have less than 10 years of service and you’re over 58, you may not be eligible for full pension via Form 10D check eligibility.

• Keep copies of your submitted form and acknowledgement for record-keeping.

• Use the recommended submission channel (employer/RO) and ask for a receipt.

• If the employer is closed, use authorised officer certification (magistrate, gazetted officer, bank manager) as per instructions.

Summary

Form 10D is your key for claiming a monthly pension under EPS once you either retire, become disabled, or in the event of death of a member. It’s essential to check your eligibility, fill the form carefully, attach documents properly, and ensure employer certification. With correct completion and timely submission, you can transition smoothly into your pension phase.