EPF Form 10D

Understand what is Form 10D in EPFO and how to fill Form 10D
Secure Your Retirement with Guaranteed FD Returns
3 min
04-June-2025

If you have worked in an EPFO-registered organization, you're already contributing towards a pension under the Employees’ Pension Scheme (EPS). As retirement approaches, the next step is claiming what you’ve earned—your monthly pension. That’s where EPF Form 10D comes in.

This form is your official application for receiving monthly EPS pension benefits. But understanding how to fill it, when to apply, and what documents are needed can make all the difference in avoiding delays or errors.

While your pension covers a major part of your retirement plan, it may not be enough. That’s why many retirees also choose Fixed Deposits (FDs)—a trusted way to earn steady, risk-free returns. Check latest rates offered by Bajaj Finance on their AAA/Stable rated FDs.

What is EPF Form 10D?

EPF Form 10D is used to claim monthly pension benefits under the EPS. It's required when:

  • You are retiring at 58
  • Opting for early retirement at 50 (with a reduced pension)
  • Claiming a pension as a nominee, dependent, or surviving family member

Feature

Details

Form Name

EPF Form 10D

Purpose

To claim monthly EPS pension benefits

Eligibility

Retirement at 58 or early at 50 (with reductions)

Filing Method

Offline, through employer

Who Can Apply

Member, nominee, spouse, guardian, dependent

Submission Time

Post-retirement


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By proceeding, you agree to our Terms and Conditions

How to fill EPF form 10D: Section-wise breakdown

1. By Whom the Pension is Claimed

Select the correct category:

  • Member
  • Widow/Widower
  • Orphan/Guardian
  • Nominee
  • Dependent parent

2. Type of Pension

Choose based on your eligibility:

  • Superannuation Pension (retirement at 58)
  • Early/Reduced Pension (retirement between 50–58)
  • Disablement Pension
  • Widow & Children Pension
  • Orphan or Nominee Pension
  • Pension for Dependent Parents

3. Personal & Employment Details

  • Name, DOB, marital status, etc.
  • EPF Account Number & Establishment Code
  • Last employer details and date of exit

4. Pension Options

  • Commutation: Choose to receive 30% of your pension as a lump sum and the rest as monthly payouts.
  • Return of Capital: Specify if you want your pension capital returned to your nominee after death.

With an FD, you can opt for monthly interest payouts—ideal for supplementing pension income. Open FD Account.

Who is the Nominee?

Mention the person who will receive your pension in case of your demise. You’ll also be asked to detail any dependents eligible for pension benefits.

  • Bank name, branch address, and account details
  • Existing EPS scheme certificate (if any)
  • PPO number (if already receiving EPS pension)

Want predictable returns post-retirement? Fixed Deposits from Bajaj Finance offer assured interest payouts. Check Eligibility.

 

Documents required with Form 10D

Ensure the following documents are ready before submission:

  • 3 passport-size photographs
  • Medical certificate (for disablement pension)
  • Employer certificate with wage details
  • Scheme certificate (if applicable)
  • In case the employer is unavailable, the form must be attested by a magistrate, gazetted officer, or bank manager

Tip: Double-check all attachments and have your employer verify and sign the form before submission.

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How long does the process take?

After submission, the EPFO typically processes Form 10D within 30 days. Keep track of your application status through your employer or the nearest EPFO office.

While your pension claim is in process, grow your savings in a Bajaj Finance Fixed Deposit at up to 7.30% p.a. and stay financially stable. Explore FDs.

Also Read: Form 19 in EPFO

Conclusion

EPF Form 10D is a gateway to accessing your EPS pension—a benefit you've earned after years of contribution. Understanding the form, its structure, and the required documents can help you transition smoothly into your post-retirement phase.

And while your pension provides security, pairing it with Fixed Deposits can offer the extra assurance of consistent income and financial peace.

Calculate your expected investment returns with the help of our investment calculators

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Frequently asked questions

Can I submit Form 10D online?

Yes, you can submit Form 10D online through the EPFO portal. This option was introduced post-COVID-19 to make the process more convenient and accessible.

Can I invest my pension lump sum in a Fixed Deposit?

Yes. If you opt for commutation, the lump sum received can be invested in a Bajaj Finance FD for regular, stable interest payouts throughout your retirement. Get up to 7.30% p.a. returns, invest now!

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Disclaimer

As regards deposit taking activity of Bajaj Finance Ltd (BFL), the viewers may refer to the advertisement in the Indian Express (Mumbai Edition) and Loksatta (Pune Edition) furnished in the application form for soliciting public deposits or refer https://www.bajajfinserv.in/fixed-deposit-archives
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