How to Apply for EPFO (Employees’ Provident Fund Organisation) Pension

If you want to apply for Employee provident Fund pension then below is the complete process note.

There are some important note which I want aware you before proceeding further.

✅ Pension after 58 years: If you continue working beyond 58 years, you can still claim your pension anytime after retirement.
✅ Widow/Widower Pension: In case of the employee’s death, the nominee/spouse can claim a pension.
✅ Lifelong Pension: The pension is given lifelong to the employee & after death, it continues for the spouse/dependents.
✅ EPS Certificate: If changing jobs, an EPS Certificate can be obtained for pension benefits.

8️⃣ EPFO Pension Helpline

📞 Toll-Free Number: 1800-118-005
🌐 EPFO Official Website: https://www.epfindia.gov.in/

First we will see what is the eligibility to proceed Pension withdrawal

You can apply for an EPFO pension if you meet the following criteria:

✔️ Completed 10 years of service in an EPF-registered organization.
✔️ Attained the age of 58 years (can apply for a reduced pension from age 50 with a deduction).
✔️ If retired at 58+ years with less than 10 years of service, you can withdraw pension contributions instead.

Before login with your UAN please ensure to have the below documents.

📌 Pension Claim Form (Form 10D) (for monthly pension) OR Form 10C (for withdrawal)
📌 Aadhaar Card (for identity verification)
📌 PAN Card (for tax purposes)
📌 UAN (Universal Account Number)
📌 Bank Account Details (pension will be credited here)
📌 Two Passport-size Photos
📌 Date of Birth Certificate
📌 Service Certificate from Employer
📌 Death Certificate (if applying as a nominee for a deceased employee)

Now below is the online process to applying for Pension withdrawal

1️⃣ Visit EPFO Member Portal: https://unifiedportal-mem.epfindia.gov.in/memberinterface/
2️⃣ Login with UAN & Password
3️⃣ Go to “Online Services” → Click “Claim (Form-31, 19, 10C & 10D)”
4️⃣ Enter Bank Account Number (linked to EPF) → Click Verify
5️⃣ Click on “Proceed for Online Claim”
6️⃣ Choose Form 10D for pension withdrawal OR Form 10C for pension withdrawal before 10 years
7️⃣ Upload Scanned Documents (if required)
8️⃣ Submit the claim → Track Status on the EPFO portal

✅ If all details are correct, pension gets approved and credited in 30-60 days

Now let us understand how we calculate the Pension amount.

4️⃣ EPFO Pension Amount Calculation

The Monthly Pension is calculated using this formula:
📌 (Pensionable Salary × Pensionable Service) / 70

• Pensionable Salary = Average of last 60 months’ (5 years) salary
• Pensionable Service = Total years contributed to EPF/EPS

Example:
👉 If your average salary = ₹15,000 & service = 20 years
👉 Pension = (15,000 × 20) / 70 = ₹4,285 per month

You can check your claim by using below path.

5️⃣ How to Check EPFO Pension Status?

🔹 Visit https://passbook.epfindia.gov.in/MemberPassBook/Login
🔹 Login with UAN & Password
🔹 Go to Claim Status → Track pension approval

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