EPF Form 10D

EPF Form 10D is used to claim a monthly pension under EPS 1995. Unlike Form 19 for PF withdrawal, Form 10C is meant for pension withdrawal before 10 years of service.
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Form 10D in EPFO
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3 min
20-May-2026

If you have worked in an EPFO-registered organisation, you may already be contributing towards retirement benefits under the Employees’ Pension Scheme (EPS). As retirement approaches, individuals generally need to submit form 10d in epfo to claim monthly pension benefits under the EPS scheme.


EPF Form 10D serves as the official application form for receiving monthly pension payments. Understanding the eligibility criteria, application process, required documents, and correct form submission details can help reduce delays and improve the pension claim process.


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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
FeatureDetails
Form NameEPF Form 10D
PurposeTo claim monthly EPS pension benefits
EligibilityRetirement at 58 or early at 50 (with reductions)
Filing MethodOffline, through employer
Who Can ApplyMember, nominee, spouse, guardian, dependent
Submission TimePost-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.

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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)

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Documents required with Form 10D

While submitting form 10d in epfo for pension claims under the Employees’ Pension Scheme (EPS), applicants are generally required to keep certain supporting documents ready for verification and smooth claim processing.

  • 3 passport-size photographs
  • Medical certificate (for disablement pension claims)
  • Employer certificate containing wage details
  • Scheme certificate, if applicable
  • If the employer is unavailable, the form may require attestation from 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 to apply for pension in EPF Form 10D online

The online EPF Form 10D submission process allows eligible EPFO members to apply for monthly pension benefits conveniently through the Unified Member e-Sewa portal without visiting the EPFO office physically.

  • Go to the official EPFO website: www.epfindia.gov.in
  • Navigate to the ‘Services’ section and click on ‘For Employees’.
  • Scroll down and select ‘Member UAN/Online Service (OCS/OTCP)’.
  • Log in using your UAN and password on the Unified Member e-Sewa portal.
  • Once logged in, go to ‘Online Services’ and select ‘Form 10D’ from the dropdown.
  • Verify your bank account details linked with the EPF account.
  • Accept the Terms and Conditions by ticking the checkbox.
  • Click on ‘Proceed for Online Claim’ to continue.
  • Review and verify the family member details, such as name and relationship.
  • Upload a scanned copy of your bank passbook showing your name clearly.
  • Cross-check all the uploaded information and click ‘Get OTP’ on your Aadhaar-registered mobile number.
  • Enter the received OTP to submit your application successfully.

 

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 7.75% 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, you can usually invest your pension lump sum in a Fixed Deposit, subject to bank rules, tax implications, and any specific restrictions under your pension plan’s terms and regulations.




 

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 7.75% p.a. returns, invest now!

What is Form 10D in PF?

Form 10D is used to apply for a monthly pension under the Employees’ Pension Scheme (EPS), managed by the EPFO. It’s typically filled after retirement, permanent disability, or in case of the member’s death. This form is essential to claim pension benefits you're eligible for.

Can Form 10D be submitted online?

Yes, eligible EPF members can submit Form 10D online. To do this, ensure your EPF account has a completed e-nomination, all KYC details are verified, and your UAN (Universal Account Number) is updated with accurate information.

How to download Form 10D?

To download EPF Form 10D, visit the official EPFO website (www.epfindia.gov.in). Go to the ‘Forms’ section, search for Form 10D, and download the PDF for offline submission if needed.

What Is Form 10D Under EPF?

Form 10D is the application used to claim a monthly pension under the Employees’ Pension Scheme (EPS). It is applicable when a member has completed 10 years of eligible service and has reached the age of 58, opts for early retirement at 50 with a reduced pension, becomes disabled before 58, or in case of the member’s death, when the nominee, spouse, children, or dependent parents apply for the pension. This form is submitted offline through the employer to the EPFO.

Who Is Eligible for Form 10D?

Eligibility for Form 10D includes employees who have completed at least 10 years of eligible service and have reached the age of 58, employees opting for early retirement at 50 with a reduced pension, employees who are disabled before 58, and the nominees, spouses, children, or dependent parents of a deceased member.

What Are the Benefits of Form 10D?

Form 10D allows individuals to claim a monthly pension under the EPS, superannuation pension upon reaching 58, reduced pension for early retirement at 50, disablement pension for employees who become disabled before 58, and family pension for eligible dependents in case of the member’s death. These benefits provide financial security post-retirement or during unforeseen circumstances.

How Many Days Will It Take to Settle Form 10D?

The processing time for Form 10D is typically between 30 to 60 days. The exact duration can vary depending on the completeness of the application and the verification process.

What Is the Reason for Form 10D Rejection?

Form 10D can be rejected for reasons such as incomplete or incorrect details (like mismatched names, dates of birth, or bank account information), incomplete KYC documentation, non-linking of UAN with Aadhaar, unverified or incorrect signatures, or if the employee’s service tenure is less than 10 years, which does not meet the eligibility criteria for pension benefits. Ensuring accurate and complete information helps prevent rejections.

What Is the 10D Form of Income Tax?

Section 10(10D) of the Income Tax Act provides tax exemptions on sums received under a life insurance policy, including death and maturity benefits. The exemption is subject to conditions such as the premium paid not exceeding 10% of the sum assured for policies issued after April 1, 2012, and not exceeding 20% for policies issued before that date. This ensures that life insurance payouts are not considered taxable income, promoting financial security for policyholders and their beneficiaries.

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