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Employees' Pension Scheme

The scheme ensures retirement security for employees covered under the EPF Act, offering monthly pensions, family pensions, and withdrawal benefits. It targets workers in organised sectors, providing financial support post-retirement, during disability, or to dependents after the member’s death.

Ministry / Department
Ministry Of Labour and Employment
Level
Central
Benefit type
cash
Last verified: Recently

What is Employees' Pension Scheme?

The scheme ensures retirement security for employees covered under the EPF Act, offering monthly pensions, family pensions, and withdrawal benefits. It targets workers in organised sectors, providing financial support post-retirement, during disability, or to dependents after the member’s death.

Benefit
- **Superannuation Pension:** Payable to members who retire at 58 years with at least 10 years of eligible service. Calculated as (Pensionable Salary × Pensionable Service) / 70.- **Early Pension:** Reduced pension for members retiring between 50-58 years, with a 4% reduction per year below 58. Payable if the member has rendered eligible service of 10 years or more.- **Monthly Member's Pension:** Calculated as (Pensionable Salary × Pensionable Service) / 70.- **Minimum Pension:** ₹1,000 per month, subject to deductions for commutation or early pension.- **Widow Pension:** 50% of the member's pension or ₹450/month, whichever is higher.- **Children Pension:** 25% of widow pension per child (max 2 children).- **Orphan Pension:** 75% of the widow pension if no surviving spouse (max 2 orphans).- **Permanent Total Disablement Pension:** Minimum ₹250/- per month if the member is permanently disabled during service.- **Withdrawal Benefit:** For members who exit before completing 10 years of service, calculated as per Table D. > **Disbursement Conditions** - Pension starts from the date following the member's retirement, disablement, or death. - Early pension is reduced by 4% for each year the age falls short of 58 years. - Deferred pension increases by 4% for each year beyond 58 years, up to 60 years. - Family pension ceases on widow's remarriage or death. **Mode of Disbursement:** Through Post Office, Nationalised Banks, or electronic transfer.
Level
Central
Ministry / Dept.
Ministry Of Labour and Employment
Benefit type
cash
Key eligibility
- The applicant must be a member of the Employees' Provident Fund Scheme, 1952, or an exempted establishment under Section 17 of the Act. - The applicant's pay must not exceed ₹15,000/month (unless contributing additional 1.16% above this limit). - The applicant must have a minimum of 10 years of el
Last verified
Recently

Benefits

- **Superannuation Pension:** Payable to members who retire at 58 years with at least 10 years of eligible service. Calculated as (Pensionable Salary × Pensionable Service) / 70.- **Early Pension:** Reduced pension for members retiring between 50-58 years, with a 4% reduction per year below 58. Payable if the member has rendered eligible service of 10 years or more.- **Monthly Member's Pension:** Calculated as (Pensionable Salary × Pensionable Service) / 70.- **Minimum Pension:** ₹1,000 per month, subject to deductions for commutation or early pension.- **Widow Pension:** 50% of the member's pension or ₹450/month, whichever is higher.- **Children Pension:** 25% of widow pension per child (max 2 children).- **Orphan Pension:** 75% of the widow pension if no surviving spouse (max 2 orphans).- **Permanent Total Disablement Pension:** Minimum ₹250/- per month if the member is permanently disabled during service.- **Withdrawal Benefit:** For members who exit before completing 10 years of service, calculated as per Table D. > **Disbursement Conditions** - Pension starts from the date following the member's retirement, disablement, or death. - Early pension is reduced by 4% for each year the age falls short of 58 years. - Deferred pension increases by 4% for each year beyond 58 years, up to 60 years. - Family pension ceases on widow's remarriage or death. **Mode of Disbursement:** Through Post Office, Nationalised Banks, or electronic transfer.

Eligibility

- The applicant must be a member of the Employees' Provident Fund Scheme, 1952, or an exempted establishment under Section 17 of the Act. - The applicant's pay must not exceed ₹15,000/month (unless contributing additional 1.16% above this limit). - The applicant must have a minimum of 10 years of elArea: IndiaBenefit: cash

Documents Required

    How to Apply

    1. Step 1: Online application — step 1

      For Registration

    2. Step 2: Online application — step 2

      Step 1: Activate UAN (Universal Account Number)

    3. Step 3: Online application — step 3

      Visit the EPFO Unified Portal . Click "For Employees" > "Member UAN/Online Services (OCS/OTCP)". Enter UAN, mobile number, and CAPTCHA code. Click "Request OTP". Enter the OTP received on your registered mobile and click "Validate OTP". You will be redirected to the UAN activation page.

    4. Step 4: Online application — step 4

      Step 2: Set Password & Complete KYC

    5. Step 5: Online application — step 5

      Create a password (8-12 characters, including 1 uppercase, 1 number, and 1 special character). Under "Manage", select "KYC" and upload documents (Aadhaar, PAN, bank details). KYC status will show as "Approved" after verification (takes 3-5 working days).

    6. Step 6: Online application — step 7

      For Application

    7. Step 7: Online application — step 8

      Step 1: Login to the EPFO Portal

    8. Step 8: Online application — step 9

      Go to EPFO Unified Portal . Click "Member e-Sewa" > Enter UAN, password, and CAPTCHA. Click "Sign In". You will land on the member dashboard.

    9. Step 9: Online application — step 10

      Step 2: Navigate to Pension Claim

    10. Step 10: Online application — step 11

      Under "Online Services", select "Pension on Superannuation/Retirement (Form 10D)". The pension application form will open. Fill in all the mandatory fields. Click "Save & Preview" to review entries.

    11. Step 11: Online application — step 12

      Step 3: Upload Documents

    12. Step 12: Online application — step 13

      Upload scanned copies (PDF/JPEG/PNG, max 2MB each). Click "Submit" to proceed to OTP verification.

    13. Step 13: Online application — step 14

      Step 4: OTP Verification & Final Submission

    14. Step 14: Online application — step 15

      Enter the OTP sent to your registered mobile and email. Click "Validate OTP & Submit". A success message with an acknowledgement number will appear. Save the acknowledgement number and screenshot of submission confirmation for future reference.

    15. Step 15: Online application — step 17

      C. Application Status Tracking

    16. Step 16: Online application — step 18

      Method 1: EPFO Portal > "Track Claim Status" (using UAN + acknowledgement number).

    17. Step 17: Online application — step 19

      Method 2: SMS "EPFOHO <UAN> ENG" to 7738299899.

    18. Step 18: Online application — step 21

      D. Help & Support / Grievance Redressal

    19. Step 19: Online application — step 22

      EPFO Helpline: 1800-118-005 (8:00 AM–8:00 PM).

    20. Step 20: Online application — step 23

      Email: [email protected].

    21. Step 21: Online application — step 24

      Online Grievance Portal: EPFiGMS (or visit the nearest office for grievances).

    Sources & References

    Ready to apply?

    Applications are accepted only on the official government portal.

    Open Official Website