EPF Form 10D - How to Fill EPS Pension Form 10D to Claim
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What is EPF Form 10D?

Employees use EPF Form 10D to apply for a pension under the Employee’s Pension Scheme (EPS), which the Employees’ Provident Fund Organization (EPFO) administers. This form is crucial for individuals who are eligible to receive pension benefits after retirement, on permanent disability, or in case of the death of the pensioner.

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

Filling out EPF Form 10D correctly is essential to ensure a smooth pension claim process. Below are the key sections of the form and how to complete them:

Name and Personal Details

  • Enter your full name as per EPFO records.
  • Provide your PPO (Pension Payment Order) number, if applicable.

Pension Type

  • Indicate the type of pension you are applying for, such as superannuation, widow pension, or disability pension.

Details of EPF Account

Bank Account Details

  • Enter your bank details, including the IFSC code, branch, and account number, to receive the pension.

Family Details

  • Enter details of your spouse, children, or nominee who may receive the pension in case of your demise.

Employer Certification

  • The employer must verify and sign the form before submission to EPFO.

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Who is Eligible to Claim a Pension through EPF Form 10D?

Eligibility for claiming a pension under EPS through Form 10D depends on:

  • Employees who have completed at least 10 years of eligible service.
  • Individuals who have reached the retirement age of 58 years.
  • Members who opt for early pension at 50 years (subject to a reduction in pension amount).
  • Nominees or family members in case of the pensioner’s demise.
  • Disabled employees who have contributed to EPS, irrespective of the number of years of service.

Type of Pension Claimed

Under Form 10D, different types of pensions can be claimed, including:

  1. Superannuation Pension: Available after retirement at 58 years of age.
  2. Reduced Pension: Available at 50 years with a reduction of 4% per year from 58 years.
  3. Disablement Pension: If a member becomes permanently disabled.
  4. Widow Pension: Given to the spouse after the member’s death.
  5. Children’s Pension: Given to surviving children until the age of 25.
  6. Orphan Pension: Available if both parents are deceased.
  7. Dependent Parent Pension: Given to dependent parents if no spouse or children exist.

What are Documents Needed to be Enclosed with EPF Form 10D?

To ensure smooth processing of your pension application, you must attach the following documents:

  • Age-proof certificate (Aadhaar, birth certificate, PAN card, etc.).
  • EPF Scheme Certificate, if applicable.
  • Bank passbook copy (showing account number and IFSC code).
  • Photographs (passport size).
  • Death certificate (in case of widow/orphan pension claims).
  • Disability certificate (if applying for a disablement pension).

EPF Form 10D Online Submission

To apply for pension benefits online, follow these steps:

  1. Log in to the EPFO Unified Member Portal (https://unifiedportal-mem.epfindia.gov.in/).
  2. Navigate to “Online Services” and select “Claim”.
  3. Enter the necessary details and select ‘Form 10D’.
  4. Upload required documents.
  5. Submit the application, which will be verified by the employer and EPFO.

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Processing Time of the Application

  • The EPFO usually processes Form 10D within 30 to 60 days.
  • If delays occur, applicants can track their application status via the EPFO portal.

Taxation on EPS Pension

  • Pension received from EPS is taxable under the “Income from Other Sources” category.
  • TDS may be deducted if the pension exceeds the exemption limit.
  • Pensioners can claim tax benefits under Section 80C if the pension amount is invested in eligible schemes.

Conclusion

EPF Form 10D is a crucial document for pension claims under the Employees’ Pension Scheme (EPS). By understanding the eligibility, process, and required documentation, applicants can ensure a hassle-free claim process. For any further clarifications, visiting the EPFO official website or contacting the employer is recommended.

Frequently Asked Questions

EPF Form 10D is used to claim a pension under the Employees’ Pension Scheme (EPS) after retirement or in case of disability/death.

Employees who have contributed to EPS for at least 10 years and have reached 58 years of age, or their dependents in case of death.

Yes, you can apply through the EPFO Member Portal by selecting Form 10D under online claims.

The minimum pension amount under EPS is ₹1,000 per month, depending on eligibility.

The widow, children, or dependent parents can claim a pension under Form 10D.

Generally, 30-60 days, depending on verification and processing by EPFO.

Yes, it is taxable under the Income Tax Act, but certain deductions can be availed.

No, EPS pension is paid monthly; lump sum withdrawal is not allowed unless service tenure is less than 10 years.

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