How to Fill Pension EPF Form 10D Online – EPS95

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How to Fill Pension EPF Form 10D Online - EPS95
How to Fill Pension EPF Form 10D Online – EPS95

 

Employee Provident Fund Organization (EPFO) provides a monthly pension to the pf account holders under Employee Pension Scheme (EPS-95). Whenever an employee is employed under EPF registered company.

The employee can avail of the benefits provided by the EPFO. Moreover, an employee’s 12% of salary (Basic Pay+DA) will be deducted and goes to the EPF account. However, the employers make an equal contribution of 12% of the employee’s salary (Basic + DA) towards the employee’s pf account from which 8.33% goes to the employee’s EPF balance and 3.67% goes to the employee’s EPS balance which is pension balance.

So employee needs to fill the Form 10D to receive his/her monthly pension. The pension amount will be accumulated in EPS Balance.

Therefore let’s see all the factors included before filing Form 10D  online to claim the monthly pension.

EPF Form 10D

All the employees who are registered under the Employee Provident Fund Organization (EPFO) are automatically enrolled for Employee Pension Scheme (EPS). But provided employee should complete an overall service of 10 years or more than that. Also, the employee’s retirement age should be 58 years or more to claim the monthly pension. However, an employee can choose for a reduced pension after 50 years at a discounted rate of 4% each year.

As per the EPFO, the minimum monthly pension would be from Rs.1000 to the maximum depends on the total service count and total contribution amount accumulated in the EPS account.

Reason for Filing Form 10D

To receive a Monthly Pension after retirement

Download Form 10D

Form 10D

Eligibility

a) Retirement attaining 58 years.

b) after 50 years of age with a 4% reduced pension.

c) Minimum service count is 10 years

How to Fill Form 10D

Offline/Online

Eligible for Filling Form 10D (in case of death)

Nominee or family members.

Who is Eligible to Claim Monthly Pension

  • Employee (self pension claim)
  • Widow or Widower
  • Guardian
  • Nominee
  • Beneficiary Parent
  • Major or orphan

Types of Pension Claimed

  1. Superannuation Pension: This type of pension can be claimed by the pf account holder after retirement at the age of 58 years.
  2. Reduced Pension: This is an optional pension for the employees which can be claimed with a discounted rate of 4% after 50 years of age.
  3. Disablement Pension: It’s an early pension claimed monthly due to permanent and total disablement.
  4. Widow & Children Pension: Monthly pension benefit for the widow and children after the employee’s death.
  5. Orphan Pension: Such monthly pension is availed by the surviving sons/daughters of the deceased employee up to their 25 years of age.
  6. Nominee Pension: Monthly pension benefit goes to the employee’s nominated member after the death of the employee in case no family members exist.
  7. Dependant Parent: In this case monthly pension goes to the dependent parents if the member’s status is unmarried during the death.

Points to Remember before Filling Form 10D Online

  1. An employee should complete 10 years of service (irrespective of one company or multiple companies combined).
  2. The employee’s age should be of 58 years to claim for superannuation pension.
  3. KYC should be done (UAN linked with aadhaar, bank details)
  4. Profile photo should be uploaded and other details should be updated in your Unified Portal (to unlock the E-Nomination option in  Unified Portal)
  5. EPF E-Nomination (family, a nominee) details should be filed in the Unified Portal and should be verified through e-sign by the employer.
  6. Should have scheme certificate number to ensure that your service is 10 or more than 10 years.
  7. An employee should have a pension disbursing bank account (i.e bank account where EPFO distributes monthly pension amount). Find out a list of disbursing banks.
  8. In case of an employee’s death, the employee’s nominee/family members should have a bank account in the same bank with the same branch. (only in pension disbursing bank)
NoteThe most convenient banks for opening an account and transferring pension would be PNB and SBI. Also, open a bank account for family members or nominee in the same  PNB or SBI bank (useful for claiming monthly pension in case of the employee’s death). If not you can select from the list of disbursing banks.

How to fill my monthly pension EPF Form 10D Online

Here is the step by step procedure to apply for EPS Pension online using Form 10D

Step 1: Sign in to EPF Member’s Unified Portal with your UAN, Password, Captcha code, and click on Sign in.

UAN Member Portal Sign in
UAN Member Portal Sign in

Note: Before proceeding to Step 2, make sure your E-Nomination is successfully filed and also check your total service count (10 years is good to go).

Step 2: Under Online Services menu,  select Claim (Form-31, 19, 10C& 10D).

Online Services CLAIM (Form-31, 19&10C)
Online Services CLAIM (Form-31, 19&10C)
Step 3: Enter Bank account no linked with your  UAN and click on Verify button.
Bank Account No Verification
Bank Account No Verification

Step 4: Click on Yes to the Certificate of Undertaking by agreeing to the terms of conditions.

 
Certificate of Undertaking -Yes
Certificate of Undertaking -Yes

Step 5: After successful Bank Account No verification, Click on Proceed For Online Claim.

 
Proceed For Online Claim (Form-19)
Proceed For Online Claim (Form-19)

Step 6: From I want to apply for option Select Claim Option – MONTHLY PENSION (FORM-10D).

 
Note: If your total service count is less than 9 years 6 months, then you can only select “ONLY PENSION WITHDRAWAL (FORM-10C)”. If your service count is more than 9 years 6months then proceed with the below procedure.
 
Select Claim Option - MONTHLY PENSION (FORM-10D)
Select Claim Option – MONTHLY PENSION (FORM-10D)

Step 7: Only Applicable for Employees claiming for Reduced Pension 

a) If your age is within 50 to 58 years and the total service count is more than 10 years. You can select Reduced Pension (Early Pension) or can claim pension after 58 years i.e Superannuation Pension

Select Reduced Pension by ticking on Yes. The Opted Date will be shown automatically after the Date of Leaving is updated.
 
Type of Pension claimed - Reduced Pension
Type of Pension claimed – Reduced Pension

Note: The above Reduced Pension option will be shown only for the employees within the age limit from 50 – 58 years old.


b) If you have details of the Scheme Certificate then fill in all the required details.

Reduced Pension - Scheme Certificate Details
Reduced Pension – Scheme Certificate Details

Step 8:
Only Applicable for Employees claiming for Superannuation Pension 
 
a) If you have details of the Scheme Certificate then only fill in all the required details.
b) If your retirement age is more than 58 years and the total service count is more than 10 years. You can select Deferred Pension as No. (to avail monthly pension after 58 years)
 
Scheme Certificate Details and Deferred Pension - No
Scheme Certificate Details and Deferred Pension – No
Step 9: Only Applicable to Employees for Deferred Pension 
a) If you have details of the Scheme Certificate then only fill in all the required details.
b) If your retirement age is more than 58 years, but instead of claiming monthly pension after 58 years of age if you want to extend monthly pension and wish to receive a monthly pension after 59 or 60 years of age. You can select Deferred Pension as Yes. (to extend monthly pension after 58 years)
c) If Deferred Pension is select as Yes. Select Deferred Pension Age & Deferred Contribution Pension
Scheme Certificate Details and Deferred Pension - Yes
Scheme Certificate Details and Deferred Pension – Yes

Note:  After attaining more than 58 years of age, The monthly pension of the employee can be deferred maximum up to his/her age of 60 years.

Step 10: Here your Family Details will be shown automatically as per your E-Nomination details.
Family Details - Fetched from E-Nomination Details
Family Details – Fetched from E-Nomination Details

Step 11: Enter your address (Locality, Street, State, City and 6 digit Pin code)

Employee Address
Employee Address
Step 12: Under Bank details, Select Bank (list of pension disbursing banks)
Select Bank (Pension Disbursing Banks)
Select Bank (Pension Disbursing Banks)
Note
  • The above-listed banks are the pension disbursing banks which mean that your monthly pension can be transferred only to these banks. If you don’t have an account with these banks, make sure you open an account.
  • Also in case of an employee’s death, the monthly pension will be claimed by the nominee or family members. So make sure all the members have an account in the same bank with the same branch.
Step 13: Select your Bank (pension disbursing bank), Bank Account Number, and IFSC Code.
 
Enter Bank Details
Enter Bank Details

Note: The Name of the Bank, Branch, and State will be shown automatically

Step 14: Upload scanned copy of Bank (pension disbursing bank) passbook or cheque.
 
Upload Bank Pass Book or Cheque Book

 

Note:

  • Bank passbook or cheque should be scanned in image format (jpeg) and size should be of minimum 100 KB & maximum of 500 KB.
  • The scanned image should be easy to read. (bank account number, IFSC code, Name should be visible)
  • Also, click on the View button to view your scanned image and check whether the scanned image is clear or not.
Step 15: Click on the Get Aadhaar OTP button to receive OTP to the mobile number registered with the aadhaar.
Get Aadhar OTP
Step 16: Now, enter the OTP  received and click on Validate OTP and Submit Claim Form button.
Validate OTP and Submit Claim Form
Validate OTP and Submit Claim Form
Step 17: Finally in this step, the OTP is validated and the online claim form 10D is submitted successfully. You can click on the “Click Here” Button to view Online Form 10D in pdf format.
 
Form 10D Monthly Pension Form is submitted
Form 10D Monthly Pension Form is submitted

 

It is most convenient to fill the form 10D online without any hassle. But sometimes we are only left with the option of filling the Form 10D offline. In that case, you can refer to the below instructions for filling the form.


NoteClick here to view all the documents required before filling the Form 10D offline.

How to fill my monthly pension EPF Form 10D Offline

 Here are the step by step procedure to fill the Form 10D offline (link to download Form 10D
Step 1: Enter the person type by whom the pension is claimed.
  • Click on By whom the Pension is claimed. (to see who is eligible to claim for monthly pension)

Step 2: Enter the type of pension claimed.

  • Click on Type of Pension Claimed. (view different types of monthly pension that can be claimed)
Enter Pension Claimed By and Pension Type
Enter Pension Claimed By and Pension Claim Type
Step 3: Enter Member’s Basic details below.
  1. Member’s Name (In Block Letters) – Name should be in capital letters.
  2. SEX (gender)
  3. Marital Status (Single, Married)
  4. Date of Birth (dd/mm/yyyy) – same date of birth as on aadhaar card.
  5. Father’s/Husband’s Name
 
Step 4: Enter the employee’s PF Account number

ExampleTHVSH01183630000071847 (PF Number/ Member ID)

  1. RO – the first 2 letters of the PF number is Regional Code (district of the state). From the above example, it is TH (Thane).
  2. OFFICE – the next 3 letters following the regional code is Office Code (city). From the above example, it is VSH (Vashi)
  3. Establishment Code No – contains a maximum of 7 digits i.e company’s code (0118363)
  4. Member’s Ac.No. – contains a maximum of 7 digits (071847)
Note: In the above example, the member id/PF number is 22 digits (all the details are filled in  section 4 o the box except extension code i.e 000 )
EPF Account Number
EPF Account Number

For more detailed information read

 
 
Step 5: Enter the company’s address where you worked in the last organization
Step 6: Enter the Date of leaving Service (last working day at your organization)
Step 7: Enter the Reason for leaving Service (ex: permanent disablement/retirement etc)
Step 8: Enter the address of the employee for easy communication
Step 8 a): Enter opted date for commencement of pension (only to be filled in case of Reduced Pension claim or else leave empty)
Step 8 b): The employee and employer’s signature in the form.
 
Form 10D - Employee Address, Service Details and Signature
Form 10D – Employee Address, Service Details and Signature

Note: The details to be filled in Step 9, Step 10, and Step 11 is only applicable for those employees whose start of member pension is before Sep 26, 2008.

Step 9: Enter Option for commutation of 1/3 of Pension.
  • Commutation is nothing but an option for the employees to receive the capital sum in one go instead of receiving a monthly pension for the rest of their life after retirement.
  • Employees can commutate a maximum of 40% of the pension corpus in one short and can draw a monthly pension from their remaining corpus.
  • Since the rate of commutation is 1/3 of the pension. If your pension is Rs.600, the commutation value is Rs.20,000 on commutation, the pensionable pay will be Rs.400.
Step 10: If you want to withdraw your full pension amount, then Put a tick on Yes for Option for return of Capital.
Step 11: Mention Nominee details for Return of Capital (to claim for pension amount by the nominee in case of employee’s death ). Enter below nominee details.
  • Mention your Nominee for Return of Capital
  • Relation (with member)
  • Date of Birth  (dd/mm/yyyy)
  • Address
Form 10D - Commutation, Return of Capital & Nominee for Return of Capital
Form 10D – Commutation, Return of Capital & Nominee for Return of Capital

Step 12: Enter family member details.

  • Name (family member)
  • Date of Birth/Age
  • Relationship with Member
  • Guardian Name & Relationship with a minor (only filled if the employee’s family member i.e son/daughter is less than 25 years)
Note: If any child of an employee is physically handicapped, please type “DISABLED” below his/her name.
Step 13: Enter the date (in dd/mm.yyyy) of death of a member (if applicable)
Form 10D - Member's Family Details and Member's Date of Death
Form 10D – Member’s Family Details and Member’s Date of Death
Step 14: Enter details of Bank Accounts Opened.
 
Note: To claim monthly pension, the bank account of the member, nominee/family members should be in the same bank with the same branch. The most important is that the bank account should be opened from the list of pension disbursing banks.
The below details to be filled in are:
  • Name of the Bank
  • Name of the Branch
  • Full Postal Address/Pin
  • Signature of an employee and employer
  • Name of Claimants and their Saving Bank Account Number
A copy of the cancelled/blank cheque of the bank account should be attached to this form
Step 14A: Mention Nominee details for a pension claim
  • Name
  • Relationship with deceased member (death of a member)
Form 10D - Details of Bank Accounts
Form 10D – Details of Bank Accounts
Step 15: Enter the details of the Scheme Certificate
  • If received, Enter the Scheme Certificate Control No & authority who issued the Scheme Certificate.
  • If Scheme Certificate is not received, leave it empty.
Step 16: If the member is already receiving a monthly pension under EPS 1995. Then enter the below details.
  • PPO NO (PPO – Pension Payment Order)
  • Issued by RO/SRO (RO – Regional Office & SRO – Sub Regional Office)
Form 10D - Enter Scheme Certificate details, PPO No and Issued by RO or SRO
Form 10D – Enter Scheme Certificate details, PPO No and Issued by RO or SRO
Step 17: Documents enclosed (Indicate as per the instructions)
  1. Descriptive role of pensioner along with his/her specimen signature/Thumb impression(in duplicate) (The Form is enclosed with the Claim Form).
  2. Three Passport size photos
  3. In case, the employee has become permanent handicapped. He/She should undergo Medical Examination before the Medical Board advised by the EPFO. The Medical Certificate or any other relevant documents must be enclosed with Form 10D.
  4. A copy of the cancelled or blank cheque should be enclosed.
  5. The employee’s organization has to compulsory mention the certificate and wage particulars of the member at the time of death/retirement.
Form 10D - Documents Enclosed
Form 10D – Documents Enclosed
The employee has completed filling the form 10D from a page 1 to 3. The remaining page from 4 to 6 of Form 10D is filled by the employer.
 

What is Deferred Pension

Deferred Pension is the option available for the pf account holders if the employee doesn’t want to claim the monthly pension at the age of 58 years instead want to extend to retirement pension age up to 59 years or 60 years.

The benefit of deferring the pension to 59 years leads to a 4% extra pension each year.

Moreover, the benefit of deferring the pension to 60 years leads to an 8.16% extra pension.

The advantage is of deferring pension is that your monthly drawing pension will be somewhat more than what used to be there while claiming at the age of 58 years.

For more details refer to EPFO official website regarding the Deferred Pension mentioned in the Circular.

Note: This is mostly recommended if in any case, the employee is about to serve his employment up to the age of 60 years.

What is Reduced Pension

Reduced Pension is the option available for the pf account holders if the employee want’s to claim the monthly pension within the age limit of  50 years to 58 years of retirement. Also, the total service should be more than 9 years 6months.

The benefits of choosing a reduced pension would be that no need to wait till 58 years for drawing a monthly pension.

The disadvantage of opting for a reduced pension is there would be a 4% reduction in your pension for each year your age fall short of 58 years.

Let’s understand reduced pension calculation better in terms of an example.

Suppose if you’re Monthly pension would be 8000 after the retirement age of 58 years. But you chose early retired pension i.e Reduced Pension at the age of 50 years. Then we will see how your Reduced Pensions calculated.

The reduced pension amount is calculated by the below formula.
Reduced Pension = Pension Amount of the Next Year – 4% of Next Year’s Pension

At the age of 50 years, your monthly reduced pension will be 7514 – 4% of 7514 = 7214.

For more details about Reduced Pension calculation refer to the website Plan Money Tax

FAQ’s related to Form 10D

Q1. What are the online documents required for a pension under Form 10D?

A. Scanned image of Bank passbook or cheque with clear bank details.

Q2. If an employee is more than 58 years old but is still working, will he/she be able to get his/her pension?

Q3. Which option is better to fill form 10d online or offline?

A. It’s better to fill the form 10d online to prevent the offline hassle of going to the EPFO office and attesting documents and also signature and seal have to be attested from the employer.

Q4. After the death of a pension holder, what are the documents required to be submitted in the bank for his family pension?

A. Form 20, Form 10D, Id proofs (Aadhaar, PAN card, and Voter id) of member and family members, Original death certificate of an employee, cancelled cheque and many other important documents.

Q5. Which bank is best for a pension account?

A. SBI would be the best for a pension account. Also, it provides an annual interest of more than 8% for senior citizens saving scheme.

Q6. What is Superannuatation Pension?

A. Superannuation Pension is a pension type claimed by the employee after the retirement age of 58 years and the total service count is more than 10 years.

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