Know about Employees Pension Scheme(EPS)

EPF pension scheme was launched by the government in 1995 and, hence, is also called the Employees Pension Scheme 1995. It includes both new as well as existing EPF members. The EPS pension scheme has certain arrangements in place if a member wants to withdraw pension funds.

What is EPS?

The EPS is a scheme by the Employee’s Provident Fund Organization (EPFO), which aims at social security. This scheme is for the pension of the employees working in the organized sector, after their retirement at 58 years. The advantages or benefits of this scheme are only to be availed if the employee has served for a minimum of (continuous or non-continuous) 10 years. EPS pension was made available from 1995 and later retained for existing and newly joined EPF employees since.

Eligibility criteria for EPS

To avail the benefits of pension under the Employee Pension Scheme, your employees should meet the following eligibility conditions. The individual should:

  • Be an EPFO member
  • Complete 10 years of active service along with equal years of active contribution towards the EPF pension Scheme
  • Be 58 years or above
  • Have attained at least 50 years of age to withdraw from the EPS pension  at a lower rate
  • Delay withdrawing the pension for by 2 years, i.e., till he or she is 60 years, to become eligible to get EPS pension at a rate of 4% annually

Different EPS and EPF pension types

As per the EPS pension scheme, an employer can provide different kinds of pensions to the employees. Here are some pension types:

Widow pension

Also known as Vridha pension, wherein, a widow of the deceased EPFO member is eligible for this pension. The pension is paid to the widow until her death or remarriage. In case of more than one widow, the pension value is paid to the oldest widow.

The amount for a monthly payout of the widow pension is calculated according to Table C of the Employees Pension Scheme 1995. As on date, the minimum pension amount has been increased to INR 1,000.

Child pension

Under child pension, If the EPS member is deceased, their surviving children become applicable to receive a monthly pension from the pension contribution in EPF. This is in addition to the widow pension to the deceased’s wife. The monthly payouts will be applicable until the child turns 25 years old. The pension can be paid to a maximum of two children and the payable amount is 25% of the widow pension amount.

Orphan pension

If the EPFO member dies and does not have any surviving widow, then his children are entitled to receive a pension under the orphan EPF pension scheme. Under this, the orphan or orphans receive 75% of the widow pension monthly.

Reduced pension

An EPF pension scheme member can withdraw early pension if he or she has attained the age of 50 but is less than 58 years old, and, if they have made an active pension contribution in EPF for 10 years or more. In such cases, the pension value is reduced to a rate of 4% per year until the employee reaches the age of 58 years.

For example: if an EPF pension member, who is 56 years of age, wishes to withdraw reduced pension monthly, then he or she will get the payouts at the rate of 92% of the original pension amount. It is calculated as 100% – (2*4) = 92%.

EPS Pension forms details

An EPFO member of the survivor has to fill various EPS forms depending on their eligibility criteria to avail the benefits of the Employees’ Pension Scheme.

Form 10C

The Employees’ Provident Fund (EPF) is a retirement benefit as per the EPFO Act 1995, wherein, the member invests part of his salary every month and the employer makes an equal pension contribution in PF towards his/her EPS pension account. When a member switches jobs, he/she can transfer the EPF amount to a new account or withdraw the amount by submitting an EPS scheme certificate and filling the necessary EPS form. EPS Form 10C, however, can be used to withdraw the accumulated pension amount after a continuous service of 180 days and before the completion of 10 years of active service.

Form 10D

Form 10D is the general form that a member needs to fill to withdraw monthly pension after the age of 50 years. This EPS form can also be filled to withdraw monthly child pension and widow pension too.

Life certificate

Life certificate has to be submitted in November every year by the member or the beneficiary of the pension to certify that he or she is still alive. This form should be submitted in person by the beneficiary to the branch manager of the bank with the active pension account details.

Non-remarriage certificate

This form is a declaration that the widow/widower of the pensioner has not remarried. This declaration has to be submitted every year in November by the widowed individual. The widow will have to furnish this certificate once at the time of the commencement of the pension.

Pension benefits under EPS

Eligible EPS pension members can avail the benefits of the pension according to the age from which they start the withdrawals. For different cases, the value of the pension is also different.

Pension at 58 years

The member is eligible for the benefits of pension after his/her retirement, that is, after 58 years of age. However, for this, they should have compulsorily made an active pension contribution in EPF for 10 years, at least, before their retirement to avail the pension benefits. Post-retirement, the EPS pension scheme certificate gets generated. This certificate is required to fill up form 10D to withdraw the pension monthly.

Pension on discontinuing service without fulfilling the criteria

If the member discontinues service or is unable to stay in duty for 10 years prior to 58 years of age, he/she could withdraw the entire amount once they attain 58 years of age by furnishing form 10C.

Pension on absolute disablement

If the EPFO member becomes completely and permanently disabled, then he/she is qualified to receive monthly pensions, irrespective of them not having served the minimum service period required to get monthly pensions. Their employer must deposit EPF minimum pension funds into their EPF account for a minimum of  1 month for them to become eligible for this pension.

A member can avail the pension benefits monthly from the very date of disablement and get paid for his/her lifetime. But, the member has to take a medical test to ascertain that he/she is not fit for the work that they were doing before getting disabled.

Pension if the member is deceased

The family of the EPFO member becomes eligible to receive the EPS pension (or, EPF pension) in the below-mentioned cases:

  • If the EPFO member dies after the commencement of monthly pension
  • If the EPFO member dies before the age of 58 but has completed the 10 minimum years of active service contribution
  • If the member dies in the service duration and the company or employer has deposited pension funds in the members EPF account for a minimum of 1 month

The process to check EPS balance

Here are the steps that’ll help you check your EPS balance.

Step 1: Visit the official EPFO portal

Step 2: Under the  Services” dropdown menu in the top left corner click on For Employees

check EPS balance

Step 3: Then click on “Member Passbook” under Services

employee pension scheme

Step 4: On the member passbook portal click on the “Login” button after entering your UAN, password, and solving captcha.

EPS Portal

Step 5:Select Member Id” from the dropdown and click on the “View Passbook” button on the right to display all the pension contributions by the employer till date and the total EPS balance. Alternatively, you can download a PDF version of the same by clicking on the “Download Passbook” button.  

EPS calculation

Calculation of EPS

The monthly EPS or pension amount an employee receives after retirement is based on the pensionable service and pensionable salary. It is calculated as per the following formula:

Member’ Monthly Salary = (Pensionable Salary*Pensionable Service)/70

Pensionable Salary: The average monthly salary received by an individual in the last 60 months, before he/she decides to exit the Employees’ Pension Scheme.

Pensionable Service: It is the service period — or the duration of employment — of an individual. It is calculated as the total of service periods under different employers. In the event of a job switch, the individual must obtain an EPS Scheme certificate and hand it over to the new employer.

As mentioned earlier, this pension fund can be withdrawn prematurely, but only after the employee has served a term of ten non-continuous years of service. This fund is taxable, and various tax benefits can be availed on the consolidated amount.

The two scenarios of EPS withdrawals

There are two cases under which you can withdraw your pension amount.

  • For service exceeding 10 years

In this case, an individual can withdraw pension fund by filling Form 10C.

  • For service not exceeding 10 years

There are a couple of points to remember for such a case:

  1. The pension fund can be withdrawn on the EPFO portal via Form 10C
  2. The percentage of pension amount that can be withdrawn depends on the number of years of service
  3. The individual’s UAN must be linked with KYC on the portal

For this case, service cannot be more than 10 years. For this too there are different scenarios. If an individual is still in service and hasn’t completed 10 years, EPS amount cannot be withdrawn. The pension amount can only be encashed during the interval between the exit from one service and the beginning of a new service.

Features of the EPS

  • EPS is an initiative of the Indian government, therefore, the returns are guaranteed; investing in this scheme does not involve any risks. The amount to be returned is fixed and there will be no changes.
  • For employees earning Rs 15,000/- or less each month, it is mandatory to enrol in the scheme.
  • In case of the EPFO member’s widower/widow getting remarried, the pension amount is to be left to the children who will be categorised as “orphans”.
  • Employees enrolled in the EPF pension scheme are automatically enlisted in the EPS scheme.
  • Rs 1000/- is the minimum pension amount that the individual will receive.

In conclusion

Employees Pension Scheme and Employees Provident Funds are two great instruments to deposit and save your money for a better future. These tools also help you save taxes on the interest earned. A few important points to remember are:

  • The employer makes all the contributions to the Employees Pension Scheme account
  • The employer contributes 8.33% of the employee’s pay towards the EPS, which includes the basic and the dearness allowances
  • The employer has to contribute the amount in the first 15 days of the month
  • All applicable costs of the contribution must be borne by the employer
  • To avail the pension benefits, the individual should be in active service for a minimum of 10 years, which also includes the same number of years of active contribution towards the EPS
  • If an individual has not finished 10 years but has completed a minimum of 6 months of service, he or she could withdraw the EPS pension amount if they are unemployed for 2 or more months
  • As per the EPS pension scheme, the retirement age is fixed at 58 years
  • The employee is no longer a member of the pension fund when the employee starts availing reduced EPS pension benefits or after reaching the individual’s lifetime of 58 years

For more information on anything related to EPF pension and EPF pension, subscribe to our blogs as we will share the latest EPFO pension news regularly.

Employee Pension Scheme (EPS): FAQs

1) What is the maximum EPS contribution?

EPS is calculated as 8.33% of basic. There is an INR 15,000 the basic salary so the maximum EPS contribution by the employer will not exceed INR 1,249.5.

2) For a case where both parents have passed away is the dependent child entitled to the pension?

Pension is paid to the dependent child as an orphan pension which is 75% of the pension that would’ve been paid to parents.

3) How is EPS transferred online?

With the help of the Composite Claim Form. An individual must apply for EPF transfer during a job change via the EPFO portal.

4) Is the employee holding the EPS account the only beneficiary?

No. In the absence of the employee, the amount can be claimed by dependants.

5) Who falls under the the ‘dependants’ category for pension benefits?

In the absence of the individual holding the EPS account, the spouse or children can claim the amount. For a case with no spouse/children, the amount can be claimed by the nominee declared by the individual. For no nominee, pension amount will go to the individual’s parents.

6) How is the pension amount derived under the Widow Pension Scheme? Will the Ministry increase the amount?

The pension amount is derived on the basis of the pension wage at the time of the demise of an employee and the tenure of employment. Furthermore, the change can hinge on the proposals made by the ministry.

7) Will a subscriber’s service tenure be counted as 10 years if he has completed, for example, 9 years and 7 months of service?

Yes, since the subscriber has exceeded 9.5 years of service, it will be considered as 10 years. In other words, he/she will be eligible for pension upon attaining 58 years of age.

8) What is the process for elderly and the sick pensioners who are physically unable to process/submit documents?

EPS pensioners can also submit Digital Life Certificate(DLC) via the UMANG app. To facilitate the process, India Post Payments Bank has recently launched the doorstep Digital Life Certificate service for pensioners. They can submit an online request to avail doorstep DLC service on payment of a nominal fee.

9) Is it mandatory to transfer PF amount under different PF accounts to the current (active) PF account to get pension?

Yes. In order to avail pension benefits, the subscriber must apply for an online transfer of the funds from previous employers’ PF accounts to the current employer’s PF account.

10) What are the various benefits a spouse is entitled to receive in the event of the subscriber’s (PF account holder) demise?

If the subscriber passed away during service, the nominee will get the settlement of PF dues with interest, EDLI benefits, and widow pension. To avail the said benefit, the spouse (nominee) needs to contact the establishment where their spouse worked.

Latest news on EPS (Employee Pension Scheme)

You Can Now Get EPF Scheme Certificate on UMANG App

October 01: Introduction of the UMANG App (The Unified Mobile Application for New-age Governance) is a huge relief to EPF subscribers as it enables them to access various EPF services effortlessly. The Labour Ministry stated that, out of the 47.3 crore hits gained by the app since August 2019, 41.6 crore (88%) were for the EPFO services.

Along with the existing 16 services, EPFO recently introduced a new app feature enabling the members to apply for the Scheme Certificate under Employees’ Pension Scheme, 1995. The Scheme Certificate is provided to existing and active EPFO members who wish to withdraw their contribution but desires to retain their membership with EPFO. The certificate primarily focuses on the members who want to avail pension benefits. The Scheme Certificate assures that the member’s prior pension benefits are added to the pension service rendered with the new employer. Nominees can use the certificate to claim the family pension in case of the untimely demise of the contributor.


Update Jeevan Pramaan Patra And Other EPF Services via UMANG App

August 13: EPFO allows pensioners to access 16 different services via the UMANG app. The services include EPS passbook, life certificate (Jeevan Praman Patra) etc. The UMANG app has made the EPF related services much more hassle-free as it allows users to access all services from their mobile phones itself.

Newly added features such as updating Jeevan Pramaan Patra and EPS passbook has got great feedback from the existing members. “To ensure the safe and secure delivery of its services at the doorsteps on its 66 lakh pensioners, EPFO brought the facility of ‘View Pensioner Passbook’ as well as the updation of Jeevan Pramaan Patra on UMANG app,” stated EPFO.

As per the EPFO records, the ‘View Pensioner Passbook’ service alone has received about 29,773 API hits, while 29,773 hits recorded for the updating Jeevan Pramaan Patra service, from April to July 2020.

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    Comments

    1. comment-author
      Krishna Prasad

      I want to know how to track my EPS of previous employer.
      Previous employer closed his business.
      I had completed more than 10 year service, but don’t know the date of joining and date of leaving. I worked in another state.
      I had withdrawn my of amount, but not eps amount. Kindly guide me regarding this.
      Presently my age is 45.

    2. comment-author
      Rishabh Ranjan

      Hi Krishna,

      Since you withdrew your PF, you must be aware of your UAN. Please log into EPFO member passbook portal (passbook.epfindia.gov.in) with your UAN and password to get details of EPS contributions made by your ex-employer in the duration of your employment. If contributions have been made, you can visit the EPFO portal and withdraw the EPS amount online. To know More Read this Article.

    3. comment-author
      Pardeep kumar

      I have transfer my Pf amount to my new UAN account. But i don’t seen my EPS amount in my new UAN account. What can i do?

    4. comment-author
      Chandra Kumar Saxena

      I m getting a fixed amount under eps95 for last 13years. How far it is justified. Will it ever increase?.

      1. comment-author
        Rishabh Ranjan

        Hi Chandra,

        As per the EPF rule, employer must contribute 12% of basic towards your PF. Out of this 12%, 8.33% goes to your pension account, while the rest (3.67%) is diverted towards your PF account. Please note that for the EPS contribution there is a cap of INR 15,000 for the basic salary placed by the EPFO. So, for a salary with basic more than INR 15,000, the maximum EPS contribution by the employer can only be INR 1,250. So, to answer your question, if your basic salary is more than INR 15,000 the EPS amount will be the same for the rest of the duration you’re employed i.e. INR 1,250. If it’s less than INR 15,000 EPS will be calculated accordingly i.e. 8.33% of your employer’s PF contribution.

    5. comment-author
      Shaik

      In last 10 years I worked In different companies & having different UAN Number
      I want to know can i eligible for pension

      1. comment-author
        Rishabh Ranjan

        Hi Shaik,

        According to the EPF Act, having more than one UAN is against the rules. So you must deactivate your old UAN and only hold on to the current one. Also, the funds must be transferred to the member ID linked to your current UAN.

        There are two ways you can go about deactivating your old UANs. To know how, please check our blog on UAN.

        As for your other query about eligibility, yes you’re eligible to receive EPS and (PF) contribution, if you’re employed by a firm that has more than 20 employees. If by ‘eligibility’ you meant withdrawal of your pension fund then you can do that as well. EPS withdrawal is allowed if you have served less than 10 years. In such a case you must be unemployed for atleast a month to withdraw the funds. In the other case where EPS funds can be withdrawn for a service period of more than 10 years, then you shall be provided a pension certificate which disrburses your pension amount upon retirement. To know more about your eligibility I suggest give this blog on EPS a thorough read.

    6. comment-author
      Harsha Jumnani

      Hi Rishabh,

      I have transferred my previous pf balance to my current UAN but pension amount is not transferred and claim has comments as service period transferred.

      Please advise if I can withdraw pension of my previous UAN, my service rendered is less tha 10 yrs and age is 32.

      1. comment-author
        Rishabh Ranjan

        Hi Harsha,

        As part of transfer from previous employer to current employer, PF accumulations with interest will get transferred, w.r.t pension the service will be transferred. Since employee is in employment he cannot withdraw the pension amount.

    7. comment-author
      Kazi

      My services is17years,I have widraw my EPF from Jan 2003to Dec 2009 that time not UAN number.from.March 2010 my EPF and EPS start with UAN number.my pension contribution stopped at 2018 because my age is 58 yes but my services is continuing at 60 yrs .Can I get pension? .Total my services is17years yrs

      1. comment-author
        Rishabh Ranjan

        Hi Kazi,

        You’ve mentioned that EPF was withdrawn for the period Jan 2003 to Dec 2009 and missed out EPS. In case if your pension has not been withdrawn, but has been transferred during March 2010 when you joined service under the new employer then you’re eligible to avail monthly pension. This is because you have more than 10 years of contribution towards pension fund.”

      1. comment-author
        Rishabh Ranjan

        Hi D. chandra Shekhar,
        Please use the following formula to calculate your monthly pension:
        Member’s monthly pension amount = (Last drawn Pension wage * no. of years of service) / 70

      2. comment-author
        Rishabh Ranjan

        Hi D.Chandra Shekhar,

        Pension contribution under EPF-95 by employer is 8.33% of the basic. An INR 15,000 cap has been placed on the basic salary by the EPFO which means that the maximum an employer can contribute towards your pension fund is INR 1,249.5 even if your basic salary is above INR 15,000. If basic is below INR 15k, pension contribution is 8.33% of your actual basic. Here are a few examples of the pension contributions based on different basic salaries that should answer your question.

        a. If basic is INR 17,000, employer’s contribution towards your pension fund will be 8.33% x 15,000 (capped) = INR 1249.5
        b. If basic is INR 16,000, employer’s contribution towards your pension fund will be 8.33% x 15,000 (capped) = INR 1249.5
        c. If basic is INR 15,500, employer’s contribution towards your pension fund will be 8.33% x 15,000 (capped) = INR 1249.5
        d. If basic is INR 15,000, employer’s contribution towards your pension fund will be 8.33% x 15,000 (capped) = INR 1249.5
        e. If basic is INR 14,000, employer’s contribution towards your pension fund will be 8.33% x 14,000 = INR 1166.2
        f. If basic is INR 12,200, employer’s contribution towards your pension fund will be 8.33% x 12,200 = INR 1016.26

    8. comment-author
      Kamal jit saini

      Sir, I joined pvt. Ltd. Concern on 8thjan.1992. also my retirement on 31th march 2023. How much amount of pension earned at that time.

      1. comment-author
        Rishabh Ranjan

        Hello Kamal,

        Calculation of Pension is (Last drawn Pension wage * no. of years of service) / 70 with additional bonus (if any) when computed by the PF department pension cell.

    9. comment-author
      Rajshekhar M. Jojan

      I have taken VRS at 51 years of my adge, I worked 26 years in a company , when I get pention& how much.

      1. comment-author
        Rishabh Ranjan

        Hello Rajshekhar,

        Since you have contributed towards PF and Pension for more than 10 years, you’re eligible for Pension only when you attain 58 years of age. Only those individuals can opt for reduced pension once who have attained 50 years of age.

        To calculate your pension, use the following formula:

        Member’s monthly pension = (Last drawn Pension wage * no. of years of service) / 70 with additional bonus (in any) This is how the PF department pension cell calculates it.

    10. comment-author
      D.Ravichandran

      My name D.Ravichandran. my account no.TN/***/000****/***/000****. I got retired on 30.11.18.Though my employer Tcmpf LTD sent my paper for pension to epf , I have not received my pension till today even after 18 months.Pl.arrange to release my pension at least now in particular during on going crucial period.

      1. comment-author
        Rishabh Ranjan

        Hello D. Ravichandran,

        Thanks for sending in your question. Before I get to the answer, I strongly suggest you not to share your personal or financial information here, on any public forums online, or with anyone at all henceforth.

        As for your answer, the PF claim process is different from that of a pension claim. In your case, contact either the employer or the PF Office in Ambattur, Chennai. Please keep your pension form submitted acknowledgement ready when doing this. However, if you do not have pension form submitted acknowledgement, then you can provide your UAN or PF Number at the PRO Counter who can check and provide the status of your pension.
        Hope it helps.

    11. comment-author
      Amit Kumar Ghosh

      I have continued my service in different forms for 16 years and transferred my old of account by last employer to new pf account, which was in Hyderabad. Now I have left private sector to join govt sector in West Bengal. I have withdrawn my PF balance successfully by online application in UAN site as KYC and bank account was already updated in site. But, online I am not able to withdraw EPS contribution as I have worked more than 10 years. But, I am not able to apply for EPS certificate in that site. Now how could I apply for the same? Whether I have to apply manually? Whether I have to apply in EPFO branch of Hyderabad or I can apply in any EPFO branch in India?

      1. comment-author
        Rishabh Ranjan

        Hello Amit,

        Since you have contributions for more than 10 years, you’re eligible for the pension benefit. You need to apply for a scheme certificate by submitting the physical Form 10C. In the form, tick the ”Yes” checkbox for “8. Are you willing to apply for Scheme Certificate” and also enter the nominee details below it.

        Alternatively, you can also try submitting the pension form in Form 10C by selecting the same option after logging in with your UAN and password online. Please go through our blog on Form 10C, which contains complete information about the form, the online process to fill it, and the download link for a physical copy of Form 10C.

        Please note that offline pension form needs to be submitted at the PF office in Hyderabad.

    12. comment-author
      Harikumar P

      I was working with Star Health & Allied Insurance Co. HQ at Chennai. I joined the company in Aug 2006.my retirement was on 30/11/2016 at the 60th age.
      I received a lump sum as PF deposited within 1 month of retirement. But I didn’t received the PF pension or the PF fund. The contributions are deposited at Chennai office of Epfo. Can you give an idea to have the pension.Nor my employer or the PF officials responded to my queries

      1. comment-author
        Rishabh Ranjan

        Hi Harikumar,

        You have already withdrawn your PF dues post-retirement. Now, in order to avail the pension benefits you need to apply with the EPS Application in Form 10D along with your bank account details, and submit it at the PF office in Chennai through your employer.

    13. comment-author
      Om chawla

      Hi good afternoon. My wife is working with Pvt school in the capacity of accts assistant since 84. Her basic salary is 15000. The contribution is same as clarified in the mail above.
      She will retire in the month of February 23.
      May I know how much pension she will get after retirement.
      Thanks

      1. comment-author
        Rishabh Ranjan

        Hi Om,

        Since her retirement is on 02/2023 ascertaining the exact pension she will get is impossible as of now because the government policy might change. However, an employee with more than 25 years of service will get 50% of basic salary as monthly pension.

    14. comment-author
      R.Devarajan

      Retired 2011 March. My basic 20000
      25 years contribution done.
      Presently I am getting pension Rs.1724.
      Any revision in my pension.

      1. comment-author
        Rishabh Ranjan

        Hi R.Devarajan,

        Till the year 2014, the pension wage was INR 6500. As the age of the member increases, there will be a marginal reduction in monthly pension pay out. The pensioner can contact the respective PF office to get clarity.

    15. comment-author
      Dilshad

      Hi this is dilshad my papa received for month monthly pension but still now we not received arrear please tell me when receive arrear

      1. comment-author
        Rishabh Ranjan

        Hi Dilshad,

        The pensioner needs to approach the respective PF office with Pension Payment Order (PPO) or the PPO Number.

    16. comment-author
      Amit Kumar Chakraborty

      I going to retirement on Nov’20 and will be complied 24 years service what will be my pension amount
      Further I am working at Hyderabad after retirement I will shift to Delhi,

      1. comment-author
        Rishabh Ranjan

        Hi Amit,

        An employee who has served for more than 25 years will get 50% of basic salary as monthly pension. Pension is calculated in using the following formula:

        Pension Amount = (Last Drawn Pension wage* No. of years of service) / 70

        The pension amount will also include bonus (if any) as per government guidelines.

    17. comment-author
      इलियास beg

      Dear sir my joining 30 nov1992 and we left my job 31dec 2018
      My last basic salary 13900
      Please calculate my pension 0n 58 year s my dbt 25 Oct 1969

      1. comment-author
        Rishabh Ranjan

        Hi इलियास beg,

        The pension is calculated in the following manner:

        Last Drawn pension * No. of years of service/70.

        In your case, the approximate monthly pension will be INR 4,964. However, this amount is subject to change as you’re yet to attain the pension age which is 58 years.

    18. comment-author
      Mahanth

      I have transfered my pf amount via uan online claim. But my eps amount transfer did not happen. How to transfer eps from my previous company to current company?

      1. comment-author
        Rishabh Ranjan

        Hi Mahanth,

        EPS amount is also transferred along with EPF. However, the pension is calculated on the basis of service and the amount will not reflect in the e-passbook.

    19. comment-author
      Shafi Mulla

      I am getting Rs. 807/ – pension every month. Family pension __ for the last several years. Is there any possibility of increase in the amount looking at the Covid-19 situation? Bare amount of Rs. 807/- is very negligible for a family of two persons who are SR. Citizen.

      1. comment-author
        Rishabh Ranjan

        Hi Shafi,

        Pension is derived based on the service of employee and last drawn pension wage. For further queries regarding, I suggest you to contact the respective PF office.

    20. comment-author
      Dadul Bhorali

      From 2009 to 2011 and 2011 to 2013 I have worked in two different companies and I had withdrawn my pf amount from both the company . And from 2014 to 2020 I have been working in two another company . The last two companies have my same UAN number . And I have not withdrawn or transferred my money to another account in 2nd case . My total service period is 11 years but with same UAN number my service period is six and half years. What should be the eligible criteria for EPS in my case ?

      1. comment-author
        Rishabh Ranjan

        Hi Dadul,

        Service cannot be counted if PF and Pension amount is withdrawn. Need more clarity regarding withdrawal for Pension fund contribution between the period 2009 to 2013. If the pension fund has been withdrawn, you are not eligible for pension benefits.

    21. comment-author
      Dadul Bhorali

      What should be the eligible criteria for EPS , 10 years in same organisation or 10 years with same UAN number ?

      1. comment-author
        Rishabh Ranjan

        Hi Dadul,

        The criteria is that the total service should be at least 9-and-a-half years either with the same employer or with multiple employers (provided that the pension contributions are transferred to the latest employer).

    22. comment-author
      KP Noushad

      I joined a firm on Feb 2019 and they created an EPFO account for me. And my EPFO passbook showing that my contribution and the employer contribution are getting updated on the account properly. But I can’t see any part of the contribution is going to the pension plan(EPS). Do I have the eligibility to join the pension plan? Is there any law/criteria that restricting an EPFO member from joining the pension plan? If yes what I should do to sort it out? the court has banned the 2014 amendment right?

      1. comment-author
        Rishabh Ranjan

        Hi KP Noushad,

        Since your PF wage is above INR 15,000 you’re not eligible for pension benefits. As for the law, both employee and employer contributions will go towards PF. This is w.e.f 1st Sep, 2014.

    23. comment-author
      Sugavaneswaran

      The article was helpful in understanding p.f withdrawals. I’ve a personal doubt and would be much obliged with your response. I had completed 15 years of service and resigned. Now, I’m 50 years old and had withdrawn an advance on my Pf. I want to withdraw my balance Pf in full. But, being over 50 yrs now, is it advisable to take an early pension withdrawal. If so, will that pension be limited only to the pension contributions on my Pf account or would it last life long?

      1. comment-author
        Rishabh Ranjan

        Hi Sugavaneswaran,

        Employees can apply for complete PF withdrawal online. In your case, since you have not attained 58 years of age, you can opt for reduced pension at the age of 50 where the pension will be issued till the very end.

    24. comment-author
      Sherin Rajan

      I have joined 1 company on 2017, they are contributed only to EPF, not to EPS. i have checked that in the EPFO site. they put all employer contribution in EPF. In 2019 i have joined another company, they are paying towards EPS. so will it consider my service experience from 2017 for EPS pension or it will start only from 2019

      1. comment-author
        Rishabh Ranjan

        Hi Sherin,

        Since the pension contribution started in 2019, the service experience towards pension will be counted from 2019 onwards.

    25. comment-author
      PRINCE KUNAR RAI

      I have worked 2 years with previous employer but only 2 months for current employer. I have already left the both services. But when i am applying for 10c get rejected always.
      How i can withdraw my money of pension fund.

      1. comment-author
        Rishabh Ranjan

        Hi Prince,

        You haven’t specified Form 10C was rejected.for which of the two employers.

        Since you haven’t mentioned transfer status and details of PF withdrawal, I suggest that you visit the PF office with the proof of rejection of Form 10C in order to understand the reason for rejection and resubmit the form in order to claim your pension dues.

    26. comment-author
      G K Pasayat

      I was working in sail now I am getting pension 2100.will I get benefits from eps95 pension scheme .I retired on 2014march

      1. comment-author
        Rishabh Ranjan

        Hi GK Pasayat,

        Details such as your Date of Birth, Date of Joining, and Last drawn Pension wages are required for me to address your query. My best guess is that you will be drawing a monthly pension under the EPS 1995 Scheme.

    27. comment-author
      Sunil Shirolkar

      Dear sir,
      I am Sunil Shirolkar. Worked from April 1983 to mar 2005 – 22 yrs EPF member. Withdrawn PF. Now applied for pension after completing 58. It’s pending with PF office in Pune. My question is how much pension I may get? My last 12 month basic at that time was Rs. 6500. I.e 8.33% – 541.50. For EPS service is calculated from 1995 or will they consider service from 83?
      Please advise.

      1. comment-author
        Rishabh Ranjan

        Hi Sunil,

        You will be eligible for pension, and service will be considered from your date of joining which is Apr 1983. The approximate amount of pension you will receive is around INR 2,050.

      1. comment-author
        Rishabh Ranjan

        Hi Rahul,

        Pensionable salary is the average of the Basic Salary + DA combined that is drawn in the last 60 months.

    28. comment-author
      Bal Krishan Puri

      Dear Sir
      I would like to ask that I have worked in a company from Sep-1989 to Nov-2002 that means for over 12 years whether I am eligible for pension under EPS or not.
      Since the EPS is applicable from Sep -1995 and I have worked 6 six years before applicability of EPS scheme but during this period PF and EPF were being deducted from my salary and were deposited by my employer in PF authority. Will this period from 1989 to 1995 will be accounted for the purpose of pension computation. I would also inform you that EPF has not been withdrawn by me.
      My Date of Birth is 08-11-1952
      I have old PF number when manual records were maintained.
      I have 13 years of job in continuity in one company.
      Can you please guide me what should I do. ??

      Best Regards
      Bal Krishan Puri
      Kothi No 352
      Mohali
      9779468966

      1. comment-author
        Rishabh Ranjan

        Hi Bal Krishan,

        I suggest you claim your PF immediately if you haven’t withdrawn it(Know how to withdraw PF). As for the pension, since your contribution towards EPS is only for 6 years — which is less than 10 years — you can get the pension claim as a one-time settlement, just like PF.

    29. comment-author
      Arun Kumar

      I have worked in differet company as of now from may1997 to sep2009.. more than 12yrs i claimed my portion pf amount and got pf pension cerificate… there was no UAN on that time… now i m working in different company nov 2009 onwards… now i m having uan no… how i linked both? kindly request you to help n clear my query… Thx

      1. comment-author
        Rishabh Ranjan

        Hi Arun,

        In your case, since you’re holding the Pension Scheme Certificate, you need to surrender it to the current employer’s PF office with a request letter stating that you wish to continue the service under the pension scheme.

      1. comment-author
        Rishabh Ranjan

        Hi Vinod,

        An employee with a pensionable service exceeding 10 years can apply for pension. As for the PF, the interest will get accumulated until you decide to withdraw the PF dues.

    30. comment-author
      Prakash

      Sir, I retired in 2012 at my 50th year and got scheme certificate from Bangalore EPFO. As per the scheme certificate, my pensionable salary is 6500 and service years are 20 years 4 months. Next month, I will be completing 58 years. My question is whether I can apply for pension from Coimbatore EPFO ( Tamil Nadu) for the past 20 years. What would be my pension. Kindly clarify. Regards. Prakash.

      1. comment-author
        Rishabh Ranjan

        Hi Prakash,

        You need to apply for pension through the PF office which issued the scheme certificate as the service details are maintained by them. Once the pension process is completed, the pension will be disbursed from Tamil Nadu EPFO into the bank account that you have submitted.

    31. comment-author
      Nitesh

      I have completed my 6 years of service and my age is 25.so I want to know money transferred into EPS is for 10 years only
      Or
      It will be continue deduction of 1250 till my age 58.

      1. comment-author
        Rishabh Ranjan

        Hi Nitesh,

        EPS contributions continue until the member attains 58 years of age. In case you leave the present company and join another, the PF and pension dues must be transferred to the latest employer( Know how to transfer the PF). You must also declare that you hold pension membership in order to ensure that pension contributions continue.

    32. comment-author
      Rafeek

      Hello
      Sir I am working in a firm for 3 years and 2 month.my basic salary was 14000 and I left my job on 20feb 2020 and still I am unemployed.i submit my form 10c after 2 month .my claim was settel on 21 june.but problem is that my passbook pension contribution is 39892 but my claim is settel only 25181. When I communicate with pf officer ,they wrote me according to EFPS 1995 and table D ,your claim amount is ok from overside .But according to table d after 3 year of service contribution should be 2.98 multiple of basic salary.my basic is 14000 so tell me why they approved less amount and what I should do to recover my remaining amount which is approx 15000 .please help me

      1. comment-author
        Rishabh Ranjan

        Hi Rafeek,

        As wage details, Non-Contributing Period (NCP details) are not mentioned, suggest you to approach the PF office Public Relation Officer (PRO) along with details of your EPS settlement and the e-passbook with the total amount of pension contribution in order to get more clarity.

        FYI – The settlement of the pension amount is based not only on the contributions made. It also considers the Pension Table and the Non Contributory period while calculating the pension

    33. comment-author
      J madhusudhan Rao

      I have worked in first company for 10yrs(1984-1995) while joining the second company i withdraw the pf amt and the took the scheme certificates. for second company i worked for 18yrs 8months(1995-2014) and withdrawn the pf amt and took the scheme certificates for the second company also before joining the third company there was a gap of 6 months and joined the third company after 6months and worked for 5 years(2014 nov-2019sep)and got retired. my doubt is

      1)Is my total service eligible for pension
      2) totally i have 4 pf nos
      3) 3 pfnos are linked to UAN no
      4) first 2 companies worked are in Hyd and the last company is in Gujarat so where i have to apply the pension in Hyd or Gujarat.

      1. comment-author
        Rishabh Ranjan

        Hi Madhusudhan,

        Yes, you are eligible provided that the scheme certificate is surrendered by an employee to the latest employer’s PF office in writing. You also need to apply for a pension through the last company’ PF office which is Gujarat.

    34. comment-author
      RINKUL

      my name i s Rinkul current salary 23000/- but pf dedution in 15000/- basic amt. I have completed 8.5 years
      But I want to know about my pension will be get 58 years leter.

      one thing pesnion schem me jana accha hey ya nahi. woh muje sirf bataie . aur pension ka ek calclulation muje bataie pl z sir

      1. comment-author
        Rishabh Ranjan

        Hi Rinkul,

        You are eligible for the pension once you attain 58 years of age. Suggested you to continue with the pension scheme as it has many benefits for both employee as well nominees in case of employee’s demise.

    35. comment-author
      Lakshmi Narayanan G.

      Hi,
      This is Lakshmi Narayanan G.
      My query

      I worked 1990 Match to 2000 Sep ,for which I got 10 yrs. EPS Certificate & I trfd. EPF along with EPS.
      then served another company from sep 2000 to sep 2004.then I closed my EPF .
      Next from Aug 2006 to Jan 2019 worked with other company. Now my age is 55..
      What is my Pensionable period ?..
      Next

    36. comment-author
      G S LAKSHMI

      sir
      my service is only 9 years in a factory now i claimed for epf pension but they rejected me 10 years not completed. the factory was lockt out what can i do for my pension any suitable way to get my pension now i crossed my retirement age applied for pension

      1. comment-author
        Rishabh Ranjan

        Hi G S LAKSHMI,

        Since you have contributed for 9 years you’re not entitled to pension benefits. In this case, you need to apply for pension withdrawal by submitting Form 10 C through after logging in with your UAN on EPFO.

      1. comment-author
        Rishabh Ranjan

        Hi G Sree Lakshmi,

        An employee who completes contribution for more than 9.5 years will become eligible for drawing a monthly pension. In your case, even though 10 years hasn’t been completed you can apply for both PF and Pension withdrawal.

    37. comment-author
      Satish

      Any Employee is Eligible for 2-Pensions if he done the job in 2 different organisations more than 10years on each organisation…can you suggest

    38. comment-author
      Meena Sardar

      I am not having cordial relations with my management but I’m having pension certificate so will I get my pension which I am due for

    39. comment-author
      Rajat Rakhit Mishra

      Hi
      One of my colleague has joined Eps on 2011 and retired on 2020 at the age of 60. Wheather he is eligible to get pension or not?

      1. comment-author
        Rishabh Ranjan

        Hi Rajat,

        You are eligible for pension only if you have 10 years of contribution and the pension benefit can be availed once you attain 58 years of age.

    40. comment-author
      Balchand Bhole

      I think, as per new rule, pensionable service is last 60 months average salary & not 12 months.
      Further, service benefit before November 1995 is also considered, who have served before November 1995.

      1. comment-author
        Rishabh Ranjan

        Hi Balchand,

        You are correct, as per the latest update provided by the EPFO, pensionable salary will be based on the last 60 months’ average pay subject to a cap of INR 15,000. Furthermore, to address service benefit, employee Date of joining and Date of Leaving will be required.

    41. comment-author
      Mangat Ram

      Hello Rishabh,

      I have worked in multiple companies in past 9 years. Each time I switch comp., I transfer my PF to new organisation. However in my latest PF passbook, I don’t see the EPS fund added from my previous companies.

      My query is do I have to follow some other process to get my EPS fund transferred to current company or it will be automatically transferred when I raise a claim for EPF. What can I do to check my accumulated sum for EPS for the last 9 years.

      Thanks

      1. comment-author
        Rishabh Ranjan

        Hi Mangat,

        Since pension is a defined benefit, during the transfer process along with PF dues, pension also gets transferred in the form of service. To check the same you can check under Service History by logging in with your UAN.”

    42. comment-author
      Mohibul

      I have worked in a company for 9 year 8 month 13 day and left the company, my settlement are done but I am unable to withdraw my pension amount, so is there any criteria to withdraw my pension amount or I have to wait for till 58 of age.

      1. comment-author
        Rishabh Ranjan

        Hi Mohibul,

        Since you have contribution for more than 9.5 years, you are eligible for pension benefits. You need to submit Form 10C to EPFO for obtaining scheme certificate. Once obtained you can opt for reduced pension once attaining 50 years of age or you can opt for full pension upon attaining 58 years of age.

    43. comment-author
      A V Kulkarni

      Pensionable salary is average of last 60 months(not 12 months) salary subject to a cap of 15000/-
      Please check

      1. comment-author
        Rishabh Ranjan

        Hi A.V Kulkarni,

        You are correct, as per the latest update provided by the EPFO, pensionable salary will be based on the last 60 months’ average pay subject to a cap of INR 15,000.

    44. comment-author
      N. Kumar

      Contributed continuously from 1988 /1995 till reaching age of 60. However, considered only 2 years weightage period. Deferred pension of 2 years not considered. How to claim?

    45. comment-author
      KRISHNAMOHAN

      Sir, in my pension payment order, the date of birth is entered wrong and date of cessation is also recorded wrong. I worked from 1981. My job is transferable in nature. Each time when i was transfered i submitted 13a form, and got my new pf account number. But my service past 15/11/95 is recorded as 6 years and after 15/11/1995 as 7 years considering 2002 as my date of retirement. My actual date of birth is 13/08/1945 , as such my date of retirement falls on 08/2003. Also my salary at the time of 15/11/95 is recorded wrongly instead of 12500 and my salary at the time of cessation is recorded as 5000 instead of 26,522. How to correct the errors and get justice? Kindly guide me.
      Krishnamohan.

      1. comment-author
        Rishabh Ranjan

        Hi Krishnamohan,

        You need to visit the PF office which issued the Pension Pay Order along with the necessary proofs for the date of birth and the wages that you have mentioned.

    46. comment-author
      Sayed Jameer

      11 years i work for single private compy and they have deducted my 82,000 as my pension amount.
      My basic is 15000 now, if i retired now with age 58 then how much pension amount i will get on monthly basis pls tell me sir….

    47. comment-author
      Naresh

      Hi my name is Naresh my father has retired recently so he is getting monthly pension , is there any criteria for withdraw of all amount at once.plz any body reply me…

      1. comment-author
        Rishabh Ranjan

        Hi Naresh,

        There is no option to withdraw pension in bulk once an employee has pension contributions exceeding 10 years.

    48. comment-author
      Madhukar

      Hi sir
      I had.worked company from August 1999 to.may 2007.got transfered.pf amount
      Next day itself from may.2007 till today present working.company
      Till 2014.march pf pension was deducted rs 541 every month
      After.april 2014.onwards deducting rs 1250.
      So now whether they calculate my service period from 1999
      How much how will get pf pension after 58

    49. comment-author
      Janwal

      Is there any cap for EPS. Understand that maximum salary considered for EPS is INR 15000. So for calculation purpose, should we consider maximum salary INR 15000 and then multiply with humber if years devided by 70.

    50. comment-author
      DJ

      Starting from Feb 1994, worked in one organisation for 16 years. Earlier EPS was called Family pension. Then I switched over to another organisation. During resign I withdraw my PF and arranged EPS certificate from EPFO.
      Now it is more than 12 years in another organisation and eligible for pension here.
      How to merge both EPS so that job period may calculates for 27 years and can avail higher pension

      1. comment-author
        Rishabh Ranjan

        Hi DJ,

        You need to surrender your pension scheme certificate to your current PF office in order to merge the service which will help you to avail higher pension benefits.

    51. comment-author
      Bijay Mishra

      I worked 1915 to 2006 total 11 yrs.got schme certificate maximum salary 6500.
      Gap of 4 years.
      Worked again 9 years, last salary 15000.
      Will PF dept calculate pension by last salary 15000 and add total 11+9 years or .15000×20÷70.or any other way.pl guide

    52. comment-author
      vince mathew

      Hi,
      I worked in company A & B for 8 yrs & 8 months. Then I was Unemployed for 2 yrs. Then in company C I worked for 5 months. Now I am not employed. I transfered my PF accounts online through One PF- One Member option from Company A to B and then to C.
      I did not do anything for EPS (Form 10C). Recently I applied online for PF withdrawal using Form-19 successfully.
      But when I try to withdraw EPS (Form 10C), system says that ineligible because my total service is either more than 9.5 yrs or less than 6 months.
      My total service is 9 yrs only, then why cannot I withdraw my EPS?

      1. comment-author
        Rishabh Ranjan

        Hi Vince,

        You need to check your Service History by logging into the EPFO member portal with your UAN. Here’s a blog that tells you how you can check your Service History. As per the history, if your service is more than 9.5 years then you are entitled to pension benefits in which case you can apply for a pension scheme certificate.

    53. comment-author
      Rakesh Bhasin

      I had worked with organisation during 05/1984 to 08/1990 & my PF was trfd in 1996 in current pf account& I got superannuated in 2015 but my active service period was considered from 1992 not from 1984, Is there any effect in my pension calculation with service considering from 1984. Pl advise

      1. comment-author
        Rishabh Ranjan

        Hi Rakesh,

        Although you started working from 1984, service for PF will be considered from the time your PF contributions started. I suggest that you either contact the PF office or your initial employer in order to know the PF contribution start date.

    54. comment-author
      Shobhit Agarwal

      Hi, how to i get eps pension scheme certificate from my previous employers . Is certificate is mandatory for getting pension at the time of retirement. Plz guide.

      1. comment-author
        Rishabh Ranjan

        Hi Shobhit,

        EPS Scheme certificate has to be obtained from the PF office by submitting Form 10C. If an employee is in service till the time of retirement, then the pension scheme certificate is not required. However, for an employee who has 10 years of contribution and quits before retirement (or before attaining the age of 58 years), a scheme certificate is mandatory to avail the pension.

    55. comment-author
      Arjun M

      Hi Sir,

      My name is Arjun, I have worked Last company 8.2 years. But that time I took pension certificate. Present working new company 9.5 years service completed. In case , If I join other new company then both pension certificate 8.2 years and second company service 9.5 years marge pension is there available

      1. comment-author
        Rishabh Ranjan

        Hi Arjun,

        From the 2nd Company to 3rd company, you can apply for an online transfer where PF accumulations with interest and pension service will be transferred. Also, you need to surrender the EPS Scheme Certificate issued by the 1st Company’s PF office to the 3rd Company’s PF office in order to add/merge the pension service of 8.2 years. With this, you will have a total service of 8.2 years + 9.5 years + Employment tenure at the 3rd company.

      1. comment-author
        Rishabh Ranjan

        Hi Rajesh,

        To address your query, you need to furnish the tenure of employment and details about pension calculation. You can also check more details HERE.

    56. comment-author
      Sanjay sharma

      Hi,
      I have two pf accounts first ones service period was 5 months and the last service period was 14 months .now im withdrawing my eps amount .
      I want to know how much amount based on my different services i would get.
      I have already transferred my old account to last account.
      Please i want to know.

    57. comment-author
      Kasilingam

      Dear sir,
      I was working in a company nearly 15years of service,then that company was closed,after that I was joined a another company where I was working 7years and 3 months.I have with all my PF amount from both the companies,but not EPS.now I am 60 years old.I request you sir how to get my EPS pension and what way and which root, and what are forms I have to fill it,and what are the documents I have to submit to get the EPS through online.Now I don’t have any scheme certificate,UAN No.,PF pass book.I kindly request sir,pls explain stepwise,Now I have no any financial support for.Once again I kindly request you sir pls do the needful. Pls send me details through my email. Thanking you
      Kasilingam

      1. comment-author
        Rishabh Ranjan

        Hi Kasilingam,

        You haven’t mentioned if you’re currently working or have resigned, With service exceeding 10 years, you are eligible for Pension benefits.

        You need to transfer your PF accumulations from the previous to the current employer.

        Once the transfer has been completed, you can opt for EPS through the current employer if you’re still working. However, in case if you have resigned, then you can withdraw PF and claim monthly pension with arrears. Please keep in mind that to avail PF and pension, you must know your UAN.

    58. comment-author
      Kochunarayan

      I opted for full pension (lifetime annuity with ROC) from 18/05/2008, without taking 1/3rd commutation. I am a member of eps from 1972 onwards. The current notification enables enhancement of the pension to normal level.
      Therefore, I am eligible for full pension from 18/05/2008 and not after 15 years since I did not opt for 1/3 commutation. Will any one help me to get my full pension in view of the current notification. Kochunarayan

      1. comment-author
        Rishabh Ranjan

        Hi Kochunarayan,

        I suggest that you approach the respective pension disbursing PF office along with the PPO order.

    59. comment-author
      Arnab Ray Chaudhuri

      Hi,
      I am a member of EPFO for the last 6 yrs now. I have an UAN. I shall be changing organisation next month. Please advise what mandatory things or approvals I need to take from my present organisation to get my EPF & EPS transferred to my new organisation.
      Moreover, my basic salary in my new organisation will be INR 18000. So in that case the employer’s contribution towards EPF will be 3.67% of the 12% of the basic. But the employer’s contribution towards EPS will be 8.33% of the 12% of INR 15000 only, I guess. Then my question is how the employer will contribute to the 8.33% of the 12% of the balance basic, ie, INR 3000..?
      Lastly I wanna know, if I don’t wish to take up monthly pensions post my retirement, shall I be able to withdraw the entire amount of EPS accumulated, just before my retirement..?

      1. comment-author
        Rishabh Ranjan

        Hi Arnab,

        1. You need to continue with the same UAN at the new organization. Only after 60 days from the date of joining the new organization, should you submit the online transfer application by logging into the EPFO portal with your UAN.

        2. EPS is capped at INR 15000 and maximum EPS contribution should not exceed INR 1250. The difference between Employee PF and Employer EPS is that the latter’s PF contribution is 3.67% of Basic + DA.

        3. Once you’re entitled for pension (EPS contribution must exceed 10 years) you cannot withdraw the complete EPS amount.

    60. comment-author
      HORI LAL BAGHEL

      Sir , My basic salary is 25000 Rs.per month and I will be retired in year 2022 . My service period will have been 18 years in 2022 . So ,How much pension I will get monthly. Please tell me about pension

      1. comment-author
        Rishabh Ranjan

        Hi Hori,

        (Pensionable Salary*Pensionable Service)/70 is the formula for pension calculation.

        Also, pensionable salary will be based on the last 60 months’ average pay subject to a cap of INR 15,000 on Basic + DA.

        To get more clarity on this matter I suggest you reach out to your PF office.

    61. comment-author
      DEBNATH SAHA

      Sir i have completed my 15 years of my service.i am a member of eps scheme from 2005 july .From that time my epf contribution is being contributed.My question is that i am now at the age of 46.if i retired now how much pension i will get back.if i retired on 58 then how much pension i will get at that time.previously pension contribution was rs 541/- and now 1250/-.so pl i request you to privide information about this.
      thanks

      1. comment-author
        Rishabh Ranjan

        Hi Debnath,

        Although you have amassed 15 years of service, you will only be eligible for pension benefits upon attaining 58 years of age. Note that pension is calculated as:

        Last drawn Pension Wage (15000) * No. of years of service (15 Years) / 70.

        Do note that the above is subject to change at the time of pension disbursal and on the basis of any government notification(s).

    62. comment-author
      Gopi

      Dear Sir,
      I have working 3 establishment in under my UAN service. I have verified my service history in EPF portal only 9 yrs 2 month only. I have applied Form 19 & Form 10C through online. Form 19 only claim settled, but form 10 c rejected @ reason of submit scheme certificate. But I eligible around my service with in 9.5 yrs. So pls kindly give a suggestion.

      Thanking you

      1. comment-author
        Rishabh Ranjan

        Hi Gopi,

        You need to contact the PF office with your service details in order to claim the pension dues as the eligibility tenure for EPS is 9.5 years or more.

    63. comment-author
      K D Sharma

      K D Sharma
      I have worked 11 years of service and left the job due to overseas opportunity
      I have withdrawn PF and got scheme certificate would like to get higher pension.

      right now I am 55 years old and still outside country since 2009

      kindly guide me how can I get higher pension if I can pay difference amount

      1. comment-author
        Rishabh Ranjan

        Hi K D,

        You will get a full pension once you attain 58 years of age. You can submit the scheme certificate along with pension application form to respective PF office.

    64. comment-author
      Pradip Banerjee

      Pradip Banerjee
      I have transferred my old EPF a/c to a new company but a break of arnd 9 months without breaking anything from the a/c. When I go through the a/c. I am not seeing the previous EPSamount but current EPS amnt is visible. How can I see the previous EPS amnt. Please suggest me. Thanks.

      1. comment-author
        Rishabh Ranjan

        Hi Pradip,

        When PF is transferred, EPS too will be transferred as a service and not the amount. Therefore, if you take a look at the e-passbook, unlike the PF amount which will be mentioned, the EPS amount PF will not reflect. Having said that, the service details will be added to the current employer’s PF account. And the pension will be calculated from the date of joining.

    65. comment-author
      B Mohanan

      Dear Rishabh

      I am retired at my 60th year and my service in this organisation was 11.8 years but EPS deducted only up to my 58th year and afterwords PF deducted but EPS not credited. Thought I completed more than 11 years EPS transferred only for 9 year and 8 months and there is a short of 4 months for 10 years. I wants to know am I eligible for getting pension.

      1. comment-author
        Rishabh Ranjan

        Hi B. Mohanan,

        Since you have pension contributions exceeding 9.5 years, you will be eligible for pension benefits on a monthly basis.

    66. comment-author
      SUDHINDRA N P

      I understand recently Supreme Court has dismissed the petition of EPFO challenging the verdict of Kerala high court. If this is true, what will be the effect on EPF pension ?

      1. comment-author
        Rishabh Ranjan

        Hi Sudhindra,

        Details are awaited. You can reach out to your respective PF office to get more clarity regarding this matter.

    67. comment-author
      Jayaprakash

      I have joined an organisation on 18/07/2016 and left on 09/12/2016 (Less than 6 months). Accordingly they have deducted my PF also. A total amount of Rs 4505/- towards pension contribution , Rs 7280 for employee and Rs 2229 for employer share. I have not worked in any organisation after that and now aged 59 years.

      (An interest of Rs 630/- and Rs 193 /- also added to employee and employer share besides the above amount for 3 years till 31-03-2019 and 4th year no amount. Total employee share Rs 7910 and employer share Rs 2422/- and pension contribution remains same.)

      Please help me to know the followings:
      1) Am I eligible for any monthly pension, if so what would be the amount and from when on wards eligible.
      2) What all amount I can withdraw and the forms to be filled up for each.
      3) Any other suggestion you would like to provide.

      1. comment-author
        Rishabh Ranjan

        Hi Jayaprakash,

        Since you have less than 6 months of contribution towards pension, you are not eligible.
        You can withdraw your complete PF contributions along with employer PF contributions with interest. Log in with your UAN on the portal to withdraw PF.
        To apply for PF withdrawal you need to activate your UAN and update mandatory KYC details such as PAN, Aadhaar and Bank account number with IFSC code — this, again, has to be approved by the employer.

    68. comment-author
      Govind

      Hi, I was worked for 12 yrs & 5 months (Nov1995 to May2008) in one private company. Withdrawn the PF amount & got EPF “scheme certificate”. Joined new private company in June2008. But the EPF membership started in April2013. Left the company in July2020. (made EPF contribution for 7 yrs & 2 months). How to proceed for getting pension & what would be the total pensionable service ? approx pension amount?

      1. comment-author
        Rishabh Ranjan

        Hi Govind,

        You need to surrender your scheme certificate to the PF office where you rendered service for 7 years & 2 Months. Only when the service is added to your latest PF account and you have attained 50 or 58 years of age can you can avail the pension benefits by submitting the pension claim Form 10D.

        The pensionable service will be 12 Yrs 5 months + 7 years 2 months.

        On the pension amount part the calculation is last drawn Pension wage * no. of years of service/70.

    69. comment-author
      RAJ KUMAR

      SIR …. I HAVE WORKED 22 YEARS CONTINUOUSLY IN A COMPANY NOW HAVE BEEN LAID OFF. MY LAST BASIC SALARY WAS 20000/- PER MONTH. NOW AT THE AGE OF 50 HOW MUCH PENSION I WILL GET?? PLEASE SUGGEST.

      RAj KUMAR

      1. comment-author
        Rishabh Ranjan

        Hi Raj,

        At the age of 50 years, only those employees who have a pension contribution for more than 10 years are eligible to opt for reduced pension. The approximate amount will be a little over INR 2000.

        Note: Though the basic salary is INR 20,000, pension is capped at INR 15,000 so the employer contribution towards pension will be 8.33% of the capped amount.

    70. comment-author
      Ashok

      Hi
      Where is showing the contribution years on portal.
      I have done contribution since March 99 to till date in differences organizations in every month.

      Can I get pension in the age of 50 ?
      Please guide.

      1. comment-author
        Rishabh Ranjan

        Hi Ashok,

        To see the contribution details you need to download your e-passbook. And yes, you can opt for reduced pension on attaining 50 years of age.

    71. comment-author
      Praveen

      If i worked in A for 8 years and will continue in B for 2 years so in this case i have done with 10 years now if i want to join in company C shall i need to get any certificate from B to get pension?

      Where i will get my Total Pension contribution for my total experience if i worked different companies 8y +2y +6y +4y .

      1. comment-author
        Rishabh Ranjan

        Hi Praveen,

        While changing employers, you need to opt for a PF transfer (from the previous company to the current company). During if the request is accepted, your PF accumulations and pension service will be transferred.

        You can avail the pension through your last company only if you have attained 58 years of age. The pension service will be considered from Company A until the last company as long as you continue to transfer PF and pension accumulations whenever joining any new company.

    72. comment-author
      PARTHASARATHI SARKAR

      I am Parthasarathi Sarkar.
      Dob 11 July 1968.

      Working in a company wef 15 July 1992 till date.
      (Present Posting Kolkata)
      But the company was exempted to give PF for 5 years so my PF/Eps contribution started wef 1997.
      Am still working in same organisation.
      My present basic is 30420.
      (No DA is there)

      My queries
      1) If I leave my job today ..
      What will be considered as my service year for EPS calculation
      Is it 28 years (1992 July to 2020 Aug)
      Or 23 years (1997 July to 2020 Aug)

      2) As my retirement age is 58, suppose I complete my service career till 2026(my retirement year) ~ as it will be more than 25 years (say basic remain same)

      Will my pension be
      A. half of my basic (30420 ie Rs 15210 (you mentioned in few places than >25 years service pension is half of basic pay)
      Or
      B. Rs 7500(half of capped basic of 15k)
      Or
      C. it will be as
      year of service (29) x ave of last 12 m salary(15000 as capped) / 70
      =.Rs 6214

      3) Final but *MOST IMPORTANT QUERY*
      I heard that, as per court ruling a person can get enhanced uncapped pension as per actual basic provided he pays full 8.33% to pension scheme (EPS).

      In my case to get this what should I have to do ?
      A> 2007 to 2014 the actual deposit was 6500 per year(541 pm) , if my basic in that period was say 12000 pm, then I have to pay difference of 1000(8.33% of 12k) and 541 or 449 pm x 17 years aling with interest and
      B) for 2015 to 2020 (say my basic is same ie 30420) then difference monthly 2535(8.33% of 30420) -1250=1285 pm for this 6 years along with interest ?

      If yes what interest rate I have to pay?

      How will I pay this ? Procedure plz.

      Can I pay the entire difference amount (difference from 1997 till my retirement along with interest) at the time of pension and get the actual enhanced pension .
      Can it be diverted from my EPF Balance ?
      That will be 30420×29/70 = 12692pm
      Is it permissible, plz answer .
      I want enhanced pension on the basis if actual salary (last drawn 12m ave) not camping.
      I roughly calculated this difference amount to be max 5 to 6 LACS.
      But if it is allowed by paying add 6 lacs I will get add 6700 pm pension, which is more than 13% of return.
      Is it not a better option ! Plz suggest.

      I asked my employer to deduct 8.33% actual amount of my basic in EPS but they told they can not deduct more than 1250 pm, are they correct ?

      4) also after my death how much family pension my wife will get , is it same amount i will get or certain % of that

      Plz reply specially point no 3

      Can u plz send a copy of reply to my mail id too

      Rgds

      Parthasarathi Sarkar

      1. comment-author
        Rishabh Ranjan

        Hi PARTHASARATHI,

        1. The second i,e. 23 years (1997 July to 2020 Aug) will be considered as your service years for EPS calculation.

        2. Since your service tenure is more than 25 years, the pension will be calculated on the capped wage (INR 15,000). The approximate pension will be around INR 7,500.

        3. For this query, I suggest you either contact your employer or the respective PF office (where the contributions have been paid).

        4. Nominee pension is calculated differently. It can be calculated on the basis of various terms of pension disbursed and so on.

    73. comment-author
      Mohan

      What is the maximum amount of EPS that one can get .
      Is the period calculations done from 1995 or from actual date of joining service. I joined 38 year back, and continuing.

      1. comment-author
        Rishabh Ranjan

        Hi Mohan,

        The maximum approximate pension will be INR 7,500. Service will be counted from the (actual) date of when the pension contributions started.

    74. comment-author
      Sanjay Abbi

      I am Sanjay Abbi
      I have work in company for 15 year
      I have withdrawn pf amount 7 year ago but regarding pension I have not obtain any certificate from EPO office That company has closed now
      Please let me know how to take that certificate from EPO office

      1. comment-author
        Rishabh Ranjan

        Hi Sanjay,

        You need to submit the physical pension form (Form 10C) selecting option “Yes” under “Willing to accept scheme certificate”. A letter clearly stating that the company is now no longer operational (or closed) must also accompany the physical pension form. Both the form and the letter then has to be addressed to the PF Commissioner of the respective PF office where the PF account was maintained by your employer.

    75. comment-author
      Ritesh

      Hi, I had withdrawn my EPF from my previous organization which was maintained by private trust. My service history has been updated on the EPFO website. I am now working in a new organization, how do I transfer the old EPS (Service details) to the new EPS account?

      1. comment-author
        Rishabh Ranjan

        Hi Ritesh,

        You need to opt for an online transfer of your pension contribution from the previous employer’s EPS account to the current employer’s UAN. In case you’re unable to submit an online transfer claim due to some error, you can submit do it manually by opting for a manual transfer by submitting Form 13 either through the present or previous employer along with a screenshot of the error that is shown on the PF portal.

    76. comment-author
      Sumit Kumar Pandit

      Can someone tell me regarding “Who can join Employee Pension Scheme and who can’t”. As per an amendment dated August 22, 2014, an individual who joined the Employees’ Provident Fund (EPF) scheme after September 1, 2014, cannot open an Employees’ Pension Scheme (EPS) account if his/her monthly salary exceeds Rs 15,000.

      This topic is least discussed but its relevant to me as I started working from January 2016. My previous employer did not use to contribute towards EPS but current employer is deducting. I am not sure if in future I can be denied pension due to this amendment and my contribution towards EPS can get wasted.

      1. comment-author
        Rishabh Ranjan

        Hi Sumit,

        Following employees are eligible for pension contribution,

        1. A first-time employee whose PF wages is up to INR 15000 w.e.f 01st Sep 2014
        2. An employee who is already part of pension contributions even though PF wages is above INR 15,000

    77. comment-author
      Sashindran k

      Sir,
      I have been working in a cbse school for 16 years. In 2016 I retired from the school and the very next month I withdrew my PF amount. And I’m getting a very small amount as pension that is Rs. 1240/
      But school allowed me to continue my job.
      Now I am 60 years old. Am I eligible for gratuity?
      Please inform me.

      1. comment-author
        Rishabh Ranjan

        Hi Sashindran,

        Since you’ve mentioned that you retired in 2016, I’m hoping that you would have received all your settlements, including gratuity.

        For me to comment on gratuity eligibility, you need to clarify whether you got gratuity at the time retirement, and at the time of service under what terms you were getting paid.

    78. comment-author
      Sumit Kumar Pandit

      Hi Rishabh,

      Thanks for your response. So its clear that I am not eligible for EPS as I joined after 1st Sep, 2014 with wage more than INR 15000. But my current employer is deducting INR 1250 against EPS every month. Does this mean I am enrolled for EPS without eligibility? What is the right way to resolve this issue?

      I am pretty sure there would be many people having the same issue and hence a detailed resolution will be very helpful.

      Thanks,
      Sumit

    79. comment-author
      Velmurugan

      Hello Friends,. Whenever you transfer your PF account to another PF account, please take a screenshot of your pension amount as this will not reflect in your new account at all..if you still want to know the balance your EPS, then you have to contact PF office only .

      1. comment-author
        Rishabh Ranjan

        Hi Prabha,

        Your employer can be a private firm or government-run department/enterprise/organisation. But they have to belong to the organised sector to provide this scheme to their employees. Also, employers with more than 20 employees are mandated by law to provide the benefits under this scheme to their employees. That said, those with fewer than 20 employees can also sign up for this scheme.

    80. comment-author
      Raj

      Sir..I am rajkumar
      My friend died on last 6 month back
      However he have PF account & that was open in 2015 and he worked only 3 Month.
      After 3 Month service he leave the job
      But he have his wife and 3 children’s eligible for EPS.

      Pl tell me sir…

      1. comment-author
        Rishabh Ranjan

        Hi Raj,

        Since you quit during the year 2015 and have only 3 months of contribution, I suggest you approach your employer to know more about the benefits. There are chances of availing monthly pension for wife and kids.

    81. comment-author
      Anil Sharma

      Hi Rishabh I joined my service From 1986 to 2018 From 2014 my Salary fr calculating pension is 15000 but before that Rs 65oo on which calculating pf n before that lesser than that .I am 55 yrs now then how much will be my pension.

    82. comment-author
      Madhu kumar

      Hi,
      I have worked with an organisation for 3.5 years and 3 months back i had resigned from the organisation. I have withdrawed pf amount but unable to withdraw my pension amount ( 10c) it is getting rejected.Can you please tell me why it is so ?

    83. comment-author
      Ashok

      Dear Rishabh, I joined my company in 2007 at 52 years of age and retired in 2020 at 65 years of age, as the retirement age is 65 in my company. Am I eligible for monthly pension or I have to withdraw complete EPS balance in one lumpsome?

      1. comment-author
        Rishabh Ranjan

        Hi Ashok,

        In this case, since you do not have pensionable service you’re not eligible for monthly pension. You can withdraw your total pension contribution with Form 10C.

    84. comment-author
      Suneel Kumar

      Hi sir,
      I have worked 9.8 years of service with two different company with one UAN no and left the job due to overseas opportunity. My first company 6 Year (July 2019 to July 2015) & second company 3.8 year (July 2015 to April 2019)
      I have withdrawn PF from both company but yet pension fund is not withdrawn both of any.

      Kindly advice me , I am eligible to get the pension.

      Regards
      Suneel Kumar

      1. comment-author
        Rishabh Ranjan

        Hi Suneel,

        You need to mention whether you initiated a transfer from the first company to the second company for me to address your query.

        If a transfer has been initiated — and considering that the total service tenure is 9.8 years — then you are entitled to receive pension benefits. However, you need to apply for a scheme certificate through your current employer’s PF office. After attaining 58 years of age, you need to surrender the scheme certificate get your monthly pension.

    85. comment-author
      kalpana

      I completed my 11 years of PF contribution but my age is 41 years.i can be eligible for pension scheme and how much i get monthly.

      1. comment-author
        Rishabh Ranjan

        Hi Kalpana,

        You are eligible for pension since you have more than 10 years of contribution. However, you will only start receiving your pension benefits upon attaining 58 years of age.

        Pension is calculated as: Last drawn pension wages * 70 / number of years of service

    86. comment-author
      Hariom Gaba

      Hi,

      After two month of leaving the job , i had applied for pf and pension withdrawals, the claim settled for pf is ok but in pension contribution the claim settled is 5842 less, i do not why?

      Total amount in pension contribution =20530
      but the claim settled for pension = 14688

      Could you please help me or tell me the reason for the same

      Thanks

      1. comment-author
        Rishabh Ranjan

        Hi Hariom,

        Suggest you cross-check the PF and Pension accumulations in your e-passbook and contact the PF office. You will be able to claim the differential dues by manually submitting Form 10C.

    87. comment-author
      Satheesh Kumar.P

      Satheesh Kumar.P – Date of Birth – 15-02-1961 , Date of Joining Service – 18-01-1988. Retiring on 28-02-2021.
      What will be my EPF pension ? When the EPF pension scheme was introduced, the maximum pension was Rs 6500/ and it was enhanced to Rs 15000 in between. So the EPF pension will have 2 parts. Please inform me how to calculate for the PF pension and what is the total pension at the age of 60 years of retirement ?

      1. comment-author
        Rishabh Ranjan

        Hi Satheesh,

        Last drawn Pension wage*no. of years of service/70 is the formula for pension calculation.

        Since you have total service that exceeds 25 years, the approximate pension amount will be 50% of your pension wages.

    88. comment-author
      Rasheed

      What is the rule for availing monthly pension before age of 58 years
      Also is there a rule for private sector employees who have more basic salary

      1. comment-author
        Rishabh Ranjan

        Hi Rasheed,

        Before reaching the age of 58 years. You can opt for pension while attaining the age of 50, where you should have a minimum of 10 years of contribution towards pension.

      1. comment-author
        Rishabh Ranjan

        Hi Ravindra,

        Commutation of Pension means payment of a lump sum amount in lieu of a portion of pension surrendered voluntarily by the pensioner.

        The Pensioners receive their full pension after completion of fifteen years from the date of commutation.

    89. comment-author
      Sanjay

      Hi Rishabh ! I am a member of EPF from 2004. I have withdrawn an advance of Rs 300000/- from my epf account in June 2017. Since then my and employers’ contributions are being regularly deposited. Now, my passbook shows balance in pension fund Rs 150000/- and in employee’s fund Rs 104000/-. Will you please guide how much pension shall be fixed for me if I quit my job immediately. I am 56 years old.

      1. comment-author
        Rishabh Ranjan

        Hi Sanjay,

        Last drawn pension wage (capped at INR 15,000) * No. of years of service/70 is the formula for pension calculation.

        You can avail pension benefits upon attaining 58 years of age.

    90. comment-author
      Kothapalli Appala Raju

      i am joined epf schmeme since 1995.and pention fund paid with celing 6500,15000 and 8.33% on pay + Da (65000/-)since march 2019. my age 58 years complete 15th june 2020. as per sc rule how much amount fixed my monthly pention.please say how to approatch enhanced pention

      1. comment-author
        Rishabh Ranjan

        Hi Kothapalli,

        Since you have already attained 58 years of age, you can opt for pension benefits by submitting the necessary documents at the PF office.

        Considering the 20+ years of contributions towards pension, the approximate monthly pension should be around INR 7,500 (subject to change).

        As far as pension enhancement is concerned, you will have to approach your employer.

    91. comment-author
      Vivek Kumar Sharma

      Hi, Mr,Ranjan
      I took retirement from job after 12 years 2007-2019 at the age of 56 years .I had withdrawn my PF in full and final settlement few months ago. Now I have attained an age of 57 years as on date .

      Till my last drawn salary of March 2019 …..RS. 1250/- pm against my pension fund is shown in my pass book.total amounting to Rs. 1,10,000/- (one lakh ten thousand only) till date.

      My last basic salary was Rs. 2,05,000/-(two lakh five thousand only)
      How much per month pension will be received by me and how to proceed to get it .?

      1. comment-author
        Rishabh Ranjan

        Hi Vivek,

        You can avail a monthly pension after turning 58-years-old.

        You can submit a pension form (Form 10D) and enclose all necessary documents, such as Aadhaar, bank account details etc. The submission has to be made at the respective PF office in order to avail the monthly pension.

        As for the pension amount, the approximate monthly pension will be around INR 2,500. This again is subject to change.

    92. comment-author
      Harpal Singh

      Dear Sir,

      I worked for 19 Yrs, from May 2001 to Jul 2020. I am 57 and my last drawn basic is Rs. 11,975/-. Kindly Guide
      1. Am i eligible for pension now or i have to wait for one year?
      2. What will be my approximate pension?
      3. Pension Amount fixed once is same forever or it will change over time?
      4. Pension can be taken in any bank or only nationalized bank?

      Thank You

      1. comment-author
        Rishabh Ranjan

        Hi Harpal,

        1. You will be eligible for pension at 58 years of age
        2. The approximate monthly pension amount would be INR 3,250 (subject to change)
        3. It will change over a period of time
        4. Pension will be disbursed only at nationalized banks listed by the EPFO

    93. comment-author
      jatin damani

      Hi rishabh,

      My name is jatin and I would like to withdraw my EPF amount as I have not worked for more than two years and being unemployed from last year , moreover I left my job last year in August however EPFO rejected my 10c form when I filled it online with the other documents says they have already transferred my PF ,my PF office is in Bangalore So please help how to withdraw the Pension amount ?

      1. comment-author
        Rishabh Ranjan

        Hi Jatin,

        Approach the latest employer’s PF office (Bangalore) to which the PF/pension is transferred in order to claim your PF/pension dues. Keep in mind that you can only claim dues by submitting a physical copy of PF claim form.

    94. comment-author
      Bhadresh

      Hi,
      Can any one tell me that Contribution towards eps is payed back with interest on withdrawal or not?
      I had filled form10c online as I left the job permanently and Contribution towards epfo was less than 10 years.

      1. comment-author
        Rishabh Ranjan

        Hi Bhadresh,

        EPS amount will be a one-time settlement if you have contributions less than 10 years. Pension amount will not attract interest.

    95. comment-author
      Prashanth

      Sir, I’m 60 year old and retired .my pension contributions amount deposited also after 58 year.
      Can I apply for monthly pension scheme? Or can’t?

      1. comment-author
        Rishabh Ranjan

        Hi Prashanth,

        If you have more than 10 years of contribution towards pension, then you can opt for monthly pension after attaining 58 years of age.

    96. comment-author
      rahul kumar vyas

      Hi
      Could you please clear the following doubts for me, thanks in advance.
      1) The contribution of Government in 12% (8.33% + 3.67%) so, this 3.67% will also be paid by the employer or not?
      2) EFP order states that any organisation having less than 20 employees employed can pay 10% efp, so, in that case If i am having an organisation having 12 employees and i employee 2 more people through som xyz company, but my organisation strength is 12 (plus 2 new employees) but the strength of xyz company is 50, so do i have to pay 10% epf since my company has less than 20 employees or do i have to pay 12% epf since xyz company has more than 20 employees, please clarify.

      1. comment-author
        Rishabh Ranjan

        Hi Rahul,

        The aforementioned 12% is paid by the employer out of which 3.67% represents the employer’s PF contribution whereas the remaining 8.33% is the employer’s pension contribution

        The 10% PF contribution that you have mentioned only applies to a certain category companies/industries. Typically, the contribution towards PF is 12%.

    97. comment-author
      Amrik Singh

      I have totally 17 years of continuous service, my last service was of 3.6 years. When I try to fill my form 19 online, it shows only 3.6 years – “Short Service” and insists on Form H, which means only 3.6 years is being considered. Whereas my service record on their portal shows 17 years with the name of both employers. I had filled Form 13 in 2017 and my corpus has been transferred and my passbook shows the correct total.
      Whom should I approach to rectify this? I am unable to apply for withdrawal.

      1. comment-author
        Rishabh Ranjan

        Hi Amrik,

        I suggest you contact your employer. Or you could also approach the PF office with printouts of your service history,

    98. comment-author
      S. Bhatta

      Hi, I worked for 32 years continuously in an organization & took premature retirement at 58 years(60 years was retirement age) with last drawn basic of 45,000.00.as par EPS Pension calculation my pension should be (34 taken as 2 years bonus for 20 continuous service as par epfo rule)15000*34/70=INR-7285.00 but i am receiving only 2347.00.
      Can you please help by providing the reason for such low pension as well as where to complain/raise issue for review. Shall remain grateful

      1. comment-author
        Rishabh Ranjan

        Hi S.Bhatta,

        Since you didn’t mention the year of retirement, I‘m unable to comment on the approximate pension amount.

        However, I suggest you check your PPO order (Pension Pay Order) issued by the EPFO which will have the details of the pension amount. You can also visit the pension cell in PF office to get more clarity on the pension amount.

    99. comment-author
      Ashok

      Ashok
      Dear Rishabh, I joined my company in 2007 at 52 years of age and retired in 2020 at 65 years of age, as the retirement age is 65 in my company. Am I eligible for monthly pension or I have to withdraw complete EPS balance in one lumpsome?
      Aug 30, 2020 at 2:15 pm
      Rishabh Ranjan
      Hi Ashok,
      In this case, since you do not have pensionable service you’re not eligible for monthly pension. You can withdraw your total pension contribution with Form 10C.
      Sep 16, 2020 at 6:01 am
      Dear Rishabh
      I applied through Form 10C, but the claim was rejected by EPFO on 04 Sep 2020, stating that I had completed >10 years of service with the company.

    100. comment-author
      Lovely

      I served in a organization for 8 years and 8 months and joined new organization after interval of 3 months. New organization will deposit PF in same EPF account which were opend by prior organization.
      Am I eligible for pension scheme ?

      1. comment-author
        Rishabh Ranjan

        Hi Lovely,

        While joining the new organization, you should submit the PF Declaration form (Form 11) where your previous employer’s PF details must be furnished. If accepted, the current employer will contribute the PF towards your existing UAN.

        To become eligible for pension you should have 10 years of contribution towards pension.

    101. comment-author
      karthigaa

      what is the eligibility of defer pension and how it calculate pl explain with example.my uncle continue their working in same company and contributed pension also upto his 60 years. now he his age is 66

    102. comment-author
      Subhajit

      Hi, Mr Rishabh,
      I wana know that my father was an employee in a private company & took voluntary retirement in Nov, 2005 at 58, & died in Sept 2006, but did not claim eps95, can it now be possible to claim pension in 2020. After a gap of 14-15 yrs.
      Pls help me out to sort this problem. Thanks a lot.

      1. comment-author
        Rishabh Ranjan

        Hi Subhajit,

        To address this query and the total service, please provide the date of joining and date of leaving.

        If your father had more than 10 years of service and contributions towards EPS, then he is eligible for pension. Since your father passed away in Sep 2006, you can apply for pension benefits as the nominee. However, to do this, you must approach the employer as their attestation is required in the pension claim forms.

    103. comment-author
      nanda

      hi sir,

      i am working in a pvt company , i completed 9 years 7 months , my basis + DA is more than 15000/-

      my age is 40, is i am eligible to Pension scheme , after 10 years complete i am not interest to do job, At what age i get pension and how much, plz let me know

      1. comment-author
        Rishabh Ranjan

        Hi Nanda,

        You are eligible for pension scheme upon completing 10 years of service. Full pension can be availed once you attain 58 years of age. On the other hand, reduced pension can be availed once you attain 50 years of age.

    104. comment-author
      Jijesh

      I have left my job after a service of around 9 years and 10 months and I am having an age of 32 now.

      When I try to submit a request to withdraw my EPS, it says I am not eligible as I have completed 9.5 years of service. Is this because 9.5 or greater is rounded to 10?
      In effect my pension fund is blocked for next 26 years (Till I turn 58). As I have not completed 10 years is there any option to withdraw my EPS (eg:- Submitting a request offline)? And can I know what the actual rule is ? Is it 9.5 or 10 years?

      1. comment-author
        Rishabh Ranjan

        Hi Jijesh,

        Yes, total service equal to or greater than 9.5 years is rounded to 10. Once an employee has a contribution that exceeds 9.5 years, it will be treated as 10 years. You can refer to the EPS scheme to know more about this.

        If you are currently working, then you can transfer the pension contribution to your current employer and continue your service. However, if you’re not working, then you need to apply for a scheme certificate and apply for a reduced pension upon attaining 50 years of age. Alternatively, you could opt for full pension only after attaining 58 years of age.

      1. comment-author
        Rishabh Ranjan

        Hi Memon,

        If your spouse passed away during service, then on the PF front, the nominee will get the settlement of PF dues with interest, EDLI benefits and widow pension. To avail the said benefit, you (the nominee) need to contact the establishment where your spouse worked.

    105. comment-author
      Shaji Thomas

      I joined in a company on 7/12/1998. This company merged with another company on 30/6/2004. Later the merged company again merged with another company on 1/7/2010. My PF balance from earlier companies were tranfred , but the service history in the portal shows only the curret company . How do i get the old service record updated in pf service history as the pension calculation is baised on the number of years of service

      1. comment-author
        Rishabh Ranjan

        Hi Shaji,

        Though the service would be added in the EPFO records, I suggest you visit the current employer’s PF office in order to get a confirmation for the continuity of service and to retrieve details of the transfer made towards your PF number or UAN.

    106. comment-author
      ARAVINDAKSHAN . V

      Sir,
      Myself worked in central govt. undertaking from 1980 to 1992 ( 12yrs. app.). Now I am aged 74 yrs. Am I eligible for epf pension?
      Thankks and Regards,

      Aravindakshan. V

      1. comment-author
        Rishabh Ranjan

        Hi Aravindakshan,

        An employee who has more than 10 years of contribution towards pension is eligible for pension dues. Furthermore, the said pension can be only be claimed once the employee attains 58 years of age.

    107. comment-author
      Jessica

      Hi I would like to clear my below doubt urgently:
      As per my company policy once you attain 58 you are retired. Does that mean it’s on completion of 58 and next year in July ’21 I will retire?? From which year and month will my PF contribution stop,?
      My date of birth is 10.07.62… So as on date I.e. Oct 20 I am running 58 right? And due for retirement next year.? Pls confirm as it’s confusing…I wouldn’t want to lose my one years benefit if my company says I have retired in Jul’20…how is PF and pension calculated..please reply urgently on my personal Hotmail id given..thank you.

      1. comment-author
        Rishabh Ranjan

        Hi Jessica,

        An employee is eligible for pension if he/she has rendered eligible service of 10 years or more and retires at the age of 58 years. Bear in mind that attaining 58 years means the completion of 58 years.

    108. comment-author
      AB

      Hi Rishab,
      I worked for a Unexempt organization and the name of the company was changed so my earlier EPF & EPS amount was transferred to the Name Changed Company Establishment account, So in my UAN portal my experience years of in the old company name is not reflecting under the service history.

      I joined the company on 01-11-2012 and the name changed company PF account was started on 01-04-2014 my service history is showing only from 01-04-2014 not from 01-11-2012.

      I left the old company on 05-03-2018 and joined new exempt organization (PF Trust) on 12-03-2018 and now I left this new company (PF Trust) on 19-04-2020.

      The latest company I’m working currently I joined on 01-05-2020 is a newly established company and the number of employees is less than 20 employees so does not have PF registration.

      I have below queries

      1) Can I inform my last worked organization exempt organization (PF Trust organization) to transfer the PF amount from their PF fund account to the government operated my PF account?

      2) If I am going to withdraw can I hold the EPS amount and withdraw only the EPF amount as i want to try and contribute to EPS account for 10 years to be eligible for pension?

      3) How can I add to the service history, for the missed out period of 01-11-2012 to 31-03-2014.

      4) If I don’t apply for withdrawal now what is going to happen to my EPF & EPS accumulation. Will the exempt organization provide interest at rates declared by government as I heard the rule has changed that interest need to be provided for inoperative EPF accounts also until 36 months until it becomes inoperative.

      5) Would have my exempt organization given me interest for the earlier accumulated amount also or for the amount they have in their PF Trust account only?

      Looking for your inputs?
      Thanks & Regards
      Aravindan B

      1. comment-author
        Rishabh Ranjan

        Hi AB,

        (1) Not possible unless your UAN is mapped to new employer’s PF code. The only options you have is to either to wait till you are covered under PF so that you can apply for transfer of PF and Pension accumulations when the time comes or withdraw the PF and Pension dues.

        (2) Yes, you can withdraw PF and hold the EPS contributions. To get your pension benefits once the employee has 10+ years of contribution towards EPS.

        (3) You need to check whether the transfer is in effect for the said period. Even if it was missed in your service history, you can get it checked by visiting the PF office or by raising an online grievance here: https://epfigms.gov.in/Grievance/GrievanceMaster

        (4) Though the outstanding accumulations will attract interest as announced by EPFO, I suggest you either withdraw the accumulations immediately or transfer it to the latest employer in order to avoid the risk.

        (5) The interest will be paid for contributions made and the amount received as part of the PF transfer from the previous organization.

    109. comment-author
      Vijay panchal

      Dear sir,
      Recently I withdraw my pf online and as per norm I submitted my 15 g form and pension also but pension side 8000 and above amount deducted as per passbook amount in passbook amount is 47000 and above something and I got 39000 only why and where this much amount deducted..
      As same my colleague also withdraw his pf but they didn’t only 300 only in pension side why that much difference

      1. comment-author
        Rishabh Ranjan

        Hi Vijay,

        Since there is no clarity about the query, in terms of nature of submission of documents, PF accumulations etc., I suggest you approach the PF office to get to the bottom of it.

        As the amount deducted is close to INR 8,000, it seems to me that TDS was deducted.

    110. comment-author
      Yogesh Jangid

      Dear Sir, i worked in company 15 year 3 month, now i retired and my age was 52 years 2 months . My last basic salary was 15000/-. so what is my actual pension amount. and if i applied for reduced pension what amount of reduced pension. and how apply for this.

      1. comment-author
        Rishabh Ranjan

        Hi Yogesh,

        You can apply for a reduced pension at the age of 50 years. Since you are over 50 years old, suggest you apply for the full pension upon attaining 58 years of age.

        The approximate pension will be INR 3,200 (subject to change).

    111. comment-author
      Srinivas

      Hi,

      I am working from 2004. I have withdrawn my PF amount twice once in 2007 and once in 2012 when I changed to new job. I am not sure weather the pension amount is with drawn or transferred. I have two queries.
      1) Any way to know weather pension amount is with drawn or still with PF office?
      2) If it is with drawn can we submit that money back to get the service period added?

      1. comment-author
        Rishabh Ranjan

        Hi Srinivas,

        1. You can check whether you claimed your pension dues or not by finding out the online claim status. Alternatively, you can also check by downloading the e-passbook.
        2. It is a lengthy procedure and you need to visit the PF office with a request letter addressing the PF Commissioner, clearly mentioning employment and service details.

    112. comment-author
      AKJ

      Hello Sir,

      I have below queries. Plz help to resolve.

      1) My current service period is 7 years so for how many more years the EPS will get deducted. I.e. after 10 years of service it will get stopped or continue to deduct ?
      2) After attending the age of 58. I can start taking EPS based on formula but what happen if I die at the age of 59 ? Will my spouse or child will be able to get the pension after my death at the age of 59 years ? And for how many years the pension will be given to them ? After that period what will happen to that corpus ?
      3) As of now the maximum pension is considered as per the formula is 7500 which does not justify the need even in now days, so that will be very less.

      1. comment-author
        Rishabh Ranjan

        Hi AKJ,

        1. EPS deduction will continue till the employee attains 58 years of age.
        2. You can avail monthly pension after attaining 58 years of age. Upon the demise of the pensioner the nominee will avail widow pension until she is alive. As for the corpus, the pension amount received by you or your nominee will be more than your pension contribution.
        3. Yes. However, it depends on the Government’s policy.

    113. comment-author
      Gagan

      Hi Rishabh,

      I have started working from July 2017 and I read somewhere that I am not eligible for EPS. Is it correct? As in my EPFO passbook 1250 is being deposited to EPS from a long time. Is there any issue for me?

      1. comment-author
        Rishabh Ranjan

        Hi Gagan,

        Employees who started service on 01 September 2014 and had PF wages above INR 15,000 are not eligible for pension scheme.

        In your case, if INR 1,250 reflected in the e-passbook then you must’ve been a part of the pension contribution scheme prior to Sep 2014 or your PF wages was INR 15,000 or more.

    114. comment-author
      Mangat Ram

      Hi Rishabh,

      Thanks a lot for your response for my earlier query. However I am facing an issue further and require your help. 6 years ago I worked for a company which created another UAN number for me mistakenly, however I had a UAN number previously. After leaving that firm, I moved my PF amount to new comp. PF account, which is mapped to correct UAN. Now when I login to my EPF portal or passbook page, I don’t see my previous PF account (which was mapped to new UAN) being referenced here. So my query is

      In this situation, will my EPS gets affected. As I not sure about transfer of EPS amount between different UAN’s. But my PF got transferred to my new account under different UAN. In case my EPS gets affected, due to non-continuity of service, what I can do from my end to remediate the same.

      Thanks

    115. comment-author
      Sharath H T

      Hi Rishab,

      I have worked for 1.6 years in one company and in another I just worked for 4 months( left the job). Now I want to withdrawn pension contribution from my 1.6 years company… Can you please guide me how will I able to do that?

      1. comment-author
        Rishabh Ranjan

        Hi Sharath,

        You need to submit the pension application form (Form 10C) complete with employment details along with enclosures such as Aadhaar, Bank account details etc., at the PF office to claim pension contributions.

    116. comment-author
      Deepak

      Dear Sir,
      I have completed 10years 6 months service in my organigation .
      I have withdrawn my pf amount.
      I have completed 50years , please guide me how to with draw my pension amount

      1. comment-author
        Rishabh Ranjan

        Hi Deepak,

        You are eligible for pension benefits on condition that the contribution years exceed 10 years. You can either opt for full pension at 58 years of age or reduced pension at 50 years of age.

        To avail monthly pension benefits, you need to hand in the pension application form (Form 10D) along with additional documents such as, Aadhaar Card, bank account details, nominee details etc., to the EPFO through your employer.

    117. comment-author
      Sarath Babu

      Hi,
      I am member of pf from 2012 december. Worked in two companies, when I Join the second company I transferred my epf but not eps. My second company handling epf in a trust account.
      Now I reaigned from the company and joined government sector.
      So If I submit 10c then will I get the eps amount of entire service (7 years and 9 month) or just last company ( 5 year)??
      2) what is the calculation of eps for 7 year and 9 month
      15000* 8.22 right?

      1. comment-author
        Rishabh Ranjan

        Hi Sarath,

        To get complete pension dues, you need to transfer pension contributions from Company A to Company B.

        The calculation varies on the basis of different factors such as pension wages, tenure of employment etc. However, the pension settlement will not match the contributions. There will be a difference — slightly higher or lower..

    118. comment-author
      siva kumar singh

      Sir, I am working in a pvt ltd company since 2005 and as of 2020 my basic salary is 15000. Considering my service is of 34 years, can you please let me know how much pension I will get after completing of 58 years.

    119. comment-author
      Ramani Thyagarajan

      Dear Sir,

      I retired from my last organisation 3 years back after putting 4.5 years with them.They provided UAN no to me and the PF & EPF were settled and the passbook also indicates the same.Before this organisation I have served in about 4 companies and none them have provided me any UAN no.Hence I do not know the status of my EPF and unable to find the same due to non availability of UAN.Is there any possibility of knowing what is the amount of EPF lying with the govt and if any , how to claim it .How to approach them.
      I solicit your guidance in this regard.
      Best regards
      Ramani Thyagarajan

      1. comment-author
        Rishabh Ranjan

        Hi Ramani,

        In order to claim PF and Pension dues of the 4 companies, you need to approach every employer and submit PF and pension claim forms manually.

        Please note that UAN came into effect in May 2014.

    120. comment-author
      Subhranshu

      I am Subhranshu.i worked in a organization for nearly 7 years and that pf is maintained by EPFO. Now I am in a organization which is maintained by trust.i transferred my pf to current organization.total job 12 years.in EPFO portal I can see service transferred.i am in job now. Suppose I don’t change job and once become 58 how to apply for pension as this is a trust pf and do I need ask anything from previous employer.
      Thanks

      1. comment-author
        Rishabh Ranjan

        Hi Subhranshu,

        Although PF is transferred to the current employer’s PF trust, you need to ensure that the pension amount is also transferred to your present employer’s PF code which will be maintained by the PF Office. You can approach your current or previous employer to know the status of the pension transfer. If the pension is transferred and added in your current employer’s EPS account, you can apply for pension online upon attaining 58 years of age.

    121. comment-author
      Amin

      Hello Sir,
      I have worked for a company from 2013 to 2017 as i was unaware applied for form 19 in 2019 which was settled however did not settle my EPS and now when have applied for form 10c it was rejected saying the service less then six months and my age is 41, please guide me thanks in advance…

      1. comment-author
        Rishabh Ranjan

        Hi Amin,

        Since the reason for rejection did not match the service mentioned by you, I suggest you visit the PF office in person.

        In case you are an active PF subscriber in service, you can apply for a pension transfer from your previous employer to your present employer’s PF account/UAN by submitting the PF transfer form (Form 13).

    122. comment-author
      Subhranshu

      Hi,
      I transferred my pf from unexempted org with 7 years of job to current organization which is exempted and completed 5 years job here.in EPFO portal I can see service transferred. So to get pension at 58 anything needs to be obtained from previous organization or not required as in portal it says service transferred.

      Thanks
      Subh

      1. comment-author
        Rishabh Ranjan

        Hi Subhranshu,

        Since the past service details are shown against your UAN, it will be added to your account. To be on the safer side, I suggest you obtain Annexure K from your previous employer as proof of PF and pension transfer.

    123. comment-author
      Niranjan Bapat

      I am a private sector employee. I am reaching 58 shortly, however I would like to start my pension only after I turn 60. Should I contribute too for next two years? OR it is not beneficial to contribute for two more years?

      1. comment-author
        Rishabh Ranjan

        Hi Niranjan,

        Considering the unprecedented events that have recently unfolded and the ongoing atmosphere of uncertainty, I suggest you opt for pension upon attaining 58 years of age.

    124. comment-author
      Munish kumar

      I munish kumar 32 years old. I have completed 9 years 10 months in same company. After that iam working in abroad now i want to ask am i eligible for pension when i will be 60 years

      1. comment-author
        Rishabh Ranjan

        Hi Munish,

        Yes, since you have exceeded 9.5 years of service, it will be considered as 10 years. In other words, you will be eligible for pension upon attaining 58 years of age.

    125. comment-author
      Debendra Kumar

      Dear Sir,
      I have joined service in March 2009 and retired on August 2019 after attaining age 60 Years.Please note that I have not transferred EPF contribution of my previous employment.Please let me know,whether I am eligible for Employee Pension Scheme.

      1. comment-author
        Rishabh Ranjan

        Hi Debendra,

        If you have continuous service for 10 years, then you will be eligible for Pension benefits. Continuous service includes transfer of contributions from previous employer to current employer. If you didn’t apply for a transfer then please do so. Once the transfer is completed to your current employer’s PF code, only then can you opt for pension.

    126. comment-author
      Narasimha Prasad CA

      Hi Rishabh,
      My pension papers were submitted to the Gurugram EPF office Sector 44 in Nov 2019, by my last employer after due verification.
      Have not yet heard from them. Tried contacting them by mail/ phone but no response.
      Is there some way to resolve this?.
      Warm Regards,
      N. Prasad

      1. comment-author
        Rishabh Ranjan

        Hi Narasimha,

        I suggest you visit the PF office in person along with the acknowledgment for the submitted pension form.

    127. comment-author
      D.A. Kayina

      I have withdrawn my epf pension scheme after 7 and half years as I’m not eligible for pension. But when the amount was transferred to my account from the EPF office, I got less amount of about 26000 which was against the amount mentioned in my EPF passbook. What was the reason that I didn’t get the exact amount?

      1. comment-author
        Rishabh Ranjan

        Hi D.A. Kayina,

        EPS settlement will be based on period of service and pensionable wages. You can contact the PF office in person or raise an online grievance by enclosing e-passbook to know about the short settlement of EPS dues.

    128. comment-author
      Sudhakar

      Hi,

      I have worked for 4 years in an organization and was eligible for EPF. I had applied for it and received EPF amount both employee and employer contribution after deducting the TDS.

      1. Kindly confirm me when can I get my EPS amount after getting the EPF
      2. What is the TDS % for EPS
      3. How is the Interest calculated for EPS on what amount it is calculated
      4. Is TDS applicable for EPS as well

      1. comment-author
        Rishabh Ranjan

        Hi Sudhakar,

        1. If you applied for EPS along with EPF, then the settlement — in a few cases — for both EPS & EPF will take place at the same time. However, in most cases EPS settlement happens within 2 days of EPF credit.
        2. If you submitted your PAN Card as part of KYC, then TDS will be @10%. In case of PAN not submitted, TDS will be @ 34.608%.
        3. EPS will not earn any interest.
        4. No.

    129. comment-author
      Suman

      I worked in different companies in different time period. I am having single UAN no. But under this single UAN it has different PF no as every company is generating different PF no. Is it mandatory to transfer to all the amount of different pf no to my current active PF no. to get pension after 10 years.

      1. comment-author
        Rishabh Ranjan

        Hi Suman,

        Yes. In order to avail pension benefits, you need to apply for an online transfer from all your previous employers’ PF accounts to your current employer’s PF account.

    130. comment-author
      Vinod

      Hi Rishabh

      I am worked one year ( period December 2006 to February 2008) and withdraw the EPF amount during the period there is no UAN number only given account number. Further I don’t know whether my EPs amount is withdrawn. Now i am presently working last 9.5 years having UAN number.

      My query is how I trace my old EPF account by filling form 10C for scheme certificate

      1. comment-author
        Rishabh Ranjan

        Hi Vinod,

        You need to apply for an EPS transfer from your old to your latest employer by submitting Form 13. Once the transfer is completed, the service period (Dec 2006 to Feb 2008) will get added to your latest PF account. This way, you will become eligible for pension benefits.

    131. comment-author
      LILLY VARGHESE CHERIAN

      PF department rejected my EPF claim stating that:-
      Contribution not showing April 2015
      Break-in-statement required
      Not eligible Insufficient service.
      My reply as below:-
      Contributions not showing April 2015
      I was absent without pay for my daughters delivery. I sent statement from my employer along with copy of attendance register.
      I worked 35 years continuously without any break in service. How I am not eligible “Insufficient service ? ” if anyone can help me to solve this problems.

      1. comment-author
        Rishabh Ranjan

        Hi Lilly,

        To claim your PF dues, I suggest you contact the concerned PF office in person with employment details such as Date of Joining and Date of Leaving along with the latest e-passbook. You can also meet the section caseworker and explain your issue. It should help him understand the requirements of EPFO to process the claim.

    132. comment-author
      Shirishkumar Babulal Kothawade

      I have already 32 years service but my age 53 years old. I have been voluntary retirement. Please my pension will be paid by EPFO

    133. comment-author
      Vedamurthy

      Sir iam working in two NGOs 19 years and left job worked in another job for 10 years .I quit job now …iam 56 years age
      Can I now opt for pension now or I can wait up to completion of 58 years
      What is the better option
      In both two working places I have two EPF accounts

      1. comment-author
        Rishabh Ranjan

        Hi Vedamurthy,

        I suggest you apply for a transfer — from Company A to Company B — in order to transfer the services. Once transfer to Company B is completed, and you have a total service of 2 years, then you can opt for full pension after attaining 58 years of age.

    134. comment-author
      Anil Pratap Singh

      My pensionable salary is 10460 and pension service is 21 years and weightage is 2 years.
      Please let me know my EPS pension amount
      Regards

    135. comment-author
      Aravindan

      Hats off to you Rishabh Ranjan. I salute you for your efforts in meticulously answering each and every query. Thanks AB.

    136. comment-author
      Jagat Singh

      Sir, I joined the company after attaining 58 years of age. I served for 18 months. I am not able to withdraw my pension contributions. Kindly suggest me.

      1. comment-author
        Rishabh Ranjan

        Hi Jagat,

        Since you joined after 58 years of age, you are not eligible to contribute towards pension. 12% of both employee and employer share will be contributed towards PF.

    137. comment-author
      Arun

      Sir, my basic salary is 25000 per month and I will be retired in year 2021 my service period will have been 35 years approximately so how much pension I will get monthly please tell about pension

    138. comment-author
      sheji P C

      I worked for one year and my ncp days are 75. I applied for epfo withdrawal. But I have received my epfo, but rejected the pension money.

    139. comment-author
      P

      Due to my poor health conditions at this age of 76 years with dia atic, heart & ba k operations I am un able to go to bank to give life certificates how I can submit from my cell or will the bank come my home to collect. Y finger print& adhar noetc pl. Tell how to solve my problem?

      1. comment-author
        Rishabh Ranjan

        Hi P,

        EPS pensioners can also submit Digital Life Certificate(DLC) via the UMANG app. To facilitate the process, India Post Payments Bank has recently launched the doorstep Digital Life Certificate service for pensioners. They can submit an online request to avail doorstep DLC service on payment of a nominal fee.

    140. comment-author
      prakash sathya

      Hi,
      i have worked for 9 years 6 months and not working anymore since 5 months.
      my basic salary is 53000, i have not withdrawn my PF.
      will i be eligible to get EPS pension at 58 if I leave it as it is without any further contribution.
      also how much will i get the pension under the scheme
      5 years average basic salary will be around 40,000 Rs with monthly EPS deduction noted as 1250.
      in EPS passbook, the EPF wages is 53500 and EPS wages is 15000

      1. comment-author
        Rishabh Ranjan

        Hi Prakash,

        9.6 years will be considered as 10 years. And yes, you will be eligible for pension benefits. Once you attain 58 years of age, you will start getting monthly pensions amounting to approximately INR 2,150 (subject to change).

    141. comment-author
      BINDU JOSEPH

      Hello sir,
      I am an epfo member and I have contributed to the epf continuously for 10 years. I am discontinuing my job and my age is 45 and I am not withdrawing my pf amount . If I want full pension at the age of 60,what else should I do now?

      1. comment-author
        Rishabh Ranjan

        Hi Bindu,

        If you’re not working (or aren’t working anywhere), I suggest you claim your PF dues as soon as possible. As for the pension, you can apply for a scheme certificate which will contain service details. On attaining 58 years of age you can surrender the scheme certificate and apply for monthly pension.

    142. comment-author
      DNdongre

      Sir, I am retired 58 years completed after next week I join another company I , I can’t process any withdrawal or pension , I open my account and seen another employer number added after I merge account. , Now I apply for post pension through my previous employer (Physical) document due to not seen for pension list in my uan but rejected , and ask me epfo please apply your new employer , but when I apply online the system need scheme certificate and date of exit what I should do ?

      1. comment-author
        Rishabh Ranjan

        Hi DN Dongre,

        Since you have attained 58 years of age, you are eligible for pension benefits. You can submit the pension claim form (Form 10D) through your last employer (where you retired) in order to get your monthly pension.

    143. comment-author
      Guru Prasad R

      Clarification on applying for pension under EPF scheme

      my employment history with a private company is as below –

      Period location Supporting document

      1) Dec 1993 – 31st March 2006 Bengaluru Annexure K

      2) 1st April 2006 – Mid Dec 2008 Bengaluru no supporting document

      3) Mid Dec 2008 – 31st May 2012 Mumbai 7 PS

      4) 1st June 2012 – 31st March 2018 Bengaluru to apply after getting scheme
      Certificate

      The 1st and 4th employment is in the sister companies while 2 and 3 were with the parent company .

      I have an annexure K for continuation of service till1993 to Dec March 2006

      7 ps for Dec 2008 to May 2012.

      May 2012 to March 2018 any document required should not be a problem as amount. is seen online on the website only

      Do I have to get a letter or scheme certificate from organization for period April 2006 to Dec 2008 ?
      I have a PDF for 7 ps , and is there a letter with official signature required before I fill up form 10 C .

      Pl let me know ,

      1. comment-author
        Rishabh Ranjan

        Hi Guru,

        You have to transfer your PF and pension dues from one company to another. Doing this will total the accumulations and under the 4th employer. Once the said transfer is completed, you can apply for a monthly pension in Form 10D ( if you have attained 58 years of age).

        In case you quit service under the 4th employer before attaining 58 years of age, then you can apply for a scheme certificate.

    144. comment-author
      Ramesh Patil

      Please explain how do we claim higher pension asper Supreme Court decision? Review petition is pending but no stay in the matter. Please advise.

    145. comment-author
      Aneesh

      Hi,

      I was working since 2006 in private sector and now working with new employer. while checking online with my existing UAN i am not getting my old employer details, but they said they paid my PF and i have only my PF number. The new UAN was given by the existing employer which i joined with them in 2017. . Please suggest any solution.

      1. comment-author
        Rishabh Ranjan

        Hi Aneesh,

        I am unable to comment as you haven’t mentioned the exact date of exit for the previous employer.

        As you joined your employer during 2017, you can apply for a manual transfer form in order to transfer the PF accumulations from the previous employer (employment period: 2006) to the new employer’s UAN.

    146. comment-author
      Ilyas Mohamed Rajak

      Hi,

      I resigned 3 months back and I done Exit from EPO portal. And I requested PF final settlement as well Pension Withdrawl. My question here is, I know I will get my PF final settlement but Pension withdrawel amount i will get ? total avaible pension amt is 1,07000Rs I have 8.10yrs for this account. Currently status show under process …Shall I get my pension amount ? if yes fully or any detuction ?. Kindly clarify and do the needful. Thanks in advance.

      1. comment-author
        Rishabh Ranjan

        Hi Ilyas,

        You will receive a full pension amount in case you have contributions spanning less than 9.5 years. Furthermore, the pension amount will vary, depending on the pension table which is based on the number of years of service.

    147. comment-author
      Mayank khanda

      Hello Sir,
      I have change job and currently my service is less than 10 years and vacant for 4 month. Later have transferred pf from previous employer which is exempted as trust but self contribution is more than trice of previous employer contribution as per passbook and nothing is reflecting to pension. So Is that diff amount is part of pension and is it possible I can get same and if no how could my package part is taken by my employer itself in name of my retirement until it isn’t gratuity…

      1. comment-author
        Rishabh Ranjan

        Hi Mayank,

        Since your previous employer PF is from an exempted trust, you need to apply for a pension transfer, either online by logging in to the EPFO portal with your UAN and password, or offline by submitting the manual transfer form (Form 13) through your present employer.

      1. comment-author
        Rishabh Ranjan

        Hello,

        Since you haven’t mentioned the last drawn pension wage, the maximum pension you may get will be approximately INR 2,785. Of course, this amount is subject to change.

      1. comment-author
        Rishabh Ranjan

        Hi Anmol,

        Yes, since you have exceeded 9.5 years of service, it will be considered as 10 years. In other words, you will be eligible for pension upon attaining 58 years of age.

    148. comment-author
      Harsh Vardhan

      Hi,

      I am going through a very tuff time. My father has done his job for 59 years. But he was unaware of EPS scheme certificate that is required to get a pension. After retirement when he has applied to get the Scheme certificate. EPFO has rejected the form by mentioning we don’t issue scheme certificate after the age of 58. If anyone guide me on how to get an EPS scheme certificate after the age of 58 it will very helpful.

      1. comment-author
        Rishabh Ranjan

        Hi Harsh,

        An employee who has completed 58 years of age is eligible to avail monthly pension provided the number of years of service is more than 10 years.

        In this case, you need to approach your employer in order to submit the pension claim application at the PF office (Form 10D) to avail monthly pension.

      1. comment-author
        Rishabh Ranjan

        Hi Sivakumar,

        The pension amount is derived on the basis of : 1) the pension wage at the time of the demise of an employee and, 2) the tenure of employment. The change can hinge on the proposals made by the ministry.

    149. comment-author
      SANTOSH

      hi my name is santosh i had completed 9years 9months. epf amount after 6 months of joining how we can withdraw eps amount please reply it sir urgently.

      1. comment-author
        Rishabh Ranjan

        Hi Santosh,

        You need to apply online to withdraw EPS by selecting (Form) 10C. An employee with contributions towards pension exceeding 9. 5 years will not able to withdraw EPS — he needs to apply for a scheme certificate.

    150. comment-author
      Shobhit Singh

      Hi,
      I want to claim my Pension contribution, currently I am not working any where and my age is 28 years.
      I have heft previous organization in 2016 and have also claimed PF once, now in my EPFO member passbook only pension contribution is shown. How can I claim that Pension Contribution. Please suggest.

    151. comment-author
      Venkatesh

      Hi,
      Earlier I worked in various companies but did not take any certificates. I believe full amount was returned to me then. Presently, I am working in a DPSU from Feb’06 and shall retire in Nov’21. My DOB is 12.11.61. Crossed 58 Yrs as on date. Could you please let me know the complete process of how to proceed to get the Monthly Pension. Can I get it immediately or Shall I have to wait for my retirement till Nov’21? Also can I know how much monthly Pension i Can get, if applied now OR at Retirement time?

      1. comment-author
        Rishabh Ranjan

        Hi Venkatesh,

        Since you have already attained 58 years of age, in order to get the monthly pension you can apply with the pension application (Form 10D).

    152. comment-author
      TV Venugopal

      TV Venugopal
      HYDERABAD
      Sub: Regarding Pension
      Dear Sir,
      For your information Iam 63 year old retired senior citizen of India my name in TV Venugopal Worked in Mumbai for 16 years without break in one company name called REMI GROUP of Industries since from 19.7.1983 to December 1998. And from 1998 to 2002 wired in Mumbai
      From 2002 to 2016 worked in Andhra Pradesh Telangana Hyderabad now iam retired
      I am with drawn PF amount from mumbai & Hyderabad. I would like to know whether shall I eligible to get pension amount, as iam in need of pension in this bad pendamic Covid-19 situation.
      Please guide me in this regard, awaiting a favourable reply from your end.
      Thanks and Regards,

      TV Venugopal

      1. comment-author
        Rishabh Ranjan

        Hi TV Venugopal,

        Since you have withdrawn PF dues for both Mumbai and Andhra Pradesh, it’s likely that you didn’t transfer your PF and Pension accumulations to the latest employer’s PF account in Hyderabad.

        Since you have contributions towards pension for more than 10 years with both the employers, I suggest you apply for a pension transfer i.e. from Mumbai PF code to AP PF code. Once the transfer of pension to your AP PF code is completed, you can apply for monthly pension by submitting Form 10D along with supporting documents.

    153. comment-author
      vasant Paranjpe

      I worked in a public limited company (VST Industries Ltd )from 1969 to 1999 .My contributions for PF and Pension were paid to ITC pension fund, Kolkata .After my retirement on 7-5-1999, I received my PF accumulations and started receiving my pension through LIC as monthly Annuity . However,I do not have my UAN number or Pension Payment Order .How do I get it, if required?

    154. comment-author
      Sudhakar Reddy Katta

      Hi sir,
      I worked in different private companies since 1995 covering under EPF scheme with a break of 4 months (unemployed) in the year 1999.
      I have got transferred the EPF amount to my last employer account. I retired in June,2020 at my 58th year after serving more than 15 years with my last employer. Unaware of the pension scheme, I could not get the Scheme Certificates from my previous employers and currently all those companies are closed. My services in EPF scheme records, reflecting only the period of my last employment service from 2005 to 2020. Does the service of EPS scheme before 2005 would be counted for monthly pension payments? if not, what should I do for consideration of my whole working period, except the break in 1999.
      Please advise me for claiming monthly pension amount, is that mandatory to surrender Scheme Certificates from previous employers which I don’t have and what is the way forward.

      1. comment-author
        Rishabh Ranjan

        Hi Sudhakar,

        Employees’ Pension Scheme has been in effect since1995. Since you transferred your PF and Pension accumulations to the next employer, have over 10 years of contribution, and attained 58 years of age, you are eligible to get pension from the year 1995.

        Since you have retired, you can submit pension form (From 10D) at the last(latest) employer’s PF office along with enclosures such as Aadhaar card, cancelled cheque leaf with your name printed on it (the bank should preferably be SBI or Canara Bank) in order to avail monthly pension.

    155. comment-author
      Shyamsunder M

      Hi,
      I opted for voluntary retirement from an MNC after 20 years of service. I am 59 years and 7 months old. I had the following queries
      – Should i withdraw my complete EPF amount now or wait till I become 60 years in another 5 months
      – Should I apply for my EPS now or wait till I turn 60 years in 5 months time

      THanks

      1. comment-author
        Rishabh Ranjan

        Hi Shyamsunder,

        Since you have retired, you can apply for EPS now by submitting Form 10D through your employer. As for the PF, I suggest you apply for PF withdrawal.

    156. comment-author
      Storm

      Hi Rishab,

      Is it possible to withdraw pension amount at 32yrs? I have completed 9.6yrs + 4 months in another company. What should I do?

      1. comment-author
        Rishabh Ranjan

        Hi Storm,

        During the tenure of employment, employees cannot claim either PF or Pension dues. Since you have contributions for more than 9 years, you can apply for PF advance online (EPFO portal) through your UAN.

    157. comment-author
      Abhijit Biswas

      I join epf member on 01/11/2008& retired at31/10/2020.I am eligible for epfo pension?And how much I get pension amount?.

      1. comment-author
        Rishabh Ranjan

        Hi Abhijit,

        An employee who completes 10 years of contribution is eligible for EPS benefits. The same can be availed by an employee on attaining 50 years(for reduced pension) or 58 years(for full pension).

        You can calculate the pension amount with this formula:

        (Last drawn pension wage* No. of years of service) / 70

    158. comment-author
      Altaf hussain wani

      Why we in jammu & kashmir can not widraw our employees provident fund? I have bee told by my ex employer that they have already sent my complete file to concerned department but it is from the central government side which has stopped the process for unknown reasons. Can any body clear me what actual problem is with our state ?Thanks

      1. comment-author
        Rishabh Ranjan

        Hi Altaf,

        J&K is governed by a different EPF Act until Article 370 was imposed. Also, in J&K there is no concept of pension.

        Since they are in process of merging the PF contributions from Old Act to New EPF Act, it might be delayed. I suggest you visit the J&K PF office in person where the contribution was remitted, in order to claim your PF dues.

    159. comment-author
      Uttam Kumar Samal

      My total service history is 42 years, that is from 1.12.1977 to 30.09.2019. How much pension will I get and how is that calculated?

      1. comment-author
        Rishabh Ranjan

        Hi Uttam,

        EPS scheme was introduced during the year 1995. You will be eligible for pension from 1995 to 2019.

        (Last drawn pension wage * no. of years of service) / 70

        The above is the formula for pension calculation.

    160. comment-author
      AB

      Hi Rishabh,
      1) Now the government has declared an interest of 8.5% for 2019-2020. A person working in an organization and has PF accumlation from April’2019 to March’2020 and if has resigned after 1st April 2020 and has withdrawn his PF contribution say may be after 1st April’2020 will he get his 8.5% Interest because for that said period April’2019 to March’2020 there was PF contribution to his account right. If he is eligible, as he has already withdrawn his PF accumulation will the interest be still deposited to his existing account and if deposited how can he claim this alone.

      2) Also I have doubt regarding PF interest calculation and paid every year, the interest is calculated only for the financial period PF contribution or for the full PF accumulation in the PF account.
      For Example if person is working in organization for 5 years say 1st April2015 to 31st March 2020.
      1st April 2015 – 31st March2016 – 10,000 – 8.5% = 850/-
      1st April 2016 – 31st March2017 – 10,000 – 8.5% = 850/-
      1st April 2017 – 31st March2018 – 10,000 – 8.5% = 850/-
      1st April 2018 – 31st March2019 – 10,000 – 8.5% = 850/-
      1st April 2019 – 31st March2020 – 10,000 – 8.5% = 850/- or it would be compound interest of the balance

      1st April 2015 – 31st March2016 – 10,000 – 8.5% = 850/- = 10580/-
      1st April 2016 – 31st March2017 – 10,000 = 20580 – 8.5% = 1749/-
      1st April 2017 – 31st March2018 – 10,000 = 32329 – 8.5% = 2748/-
      1st April 2018 – 31st March2019 – 10,000 = 45076 – 8.5% = 3831/-
      1st April 2019 – 31st March2020 – 10,000 = 58907 – 8.5% = 5007/-.

      3) The organization I had worked was an PF exempt organization as they had their own PF Trust and I resigned from the job on 20th April’2020 and now they have also closed their exempted PF account and moving to unexempted PF account hence they have deposited my PF accumulation for 2019-2020 to my bank account on 14th Dec’2020, Am I also eligible for 8.5% interest as declared by the Government even though the PF account was part of organisation own PF trust?

      1. comment-author
        Rishabh Ranjan

        Hi AB,

        1. Interest has to be deposited.

        2. Interest is declared for every year and it is calculated for current year, including the accumulations in the Opening Balance.

        3. The PF amount settled to you is inclusive of Interest as on the date of settlement. In case of any difference in interest (and on the basis of the declaration made by EPFO), you can claim the same from your employer’s PF trust.

    161. comment-author
      Naveen Pandey

      My mother is getting family EPF pension from chef Air (subsidiary of Air India) from 1998.
      The pension is fixed, i want to know if this pension can be increased.
      Please Guide.

      1. comment-author
        Rishabh Ranjan

        Hi Naveen,

        The said pension amount will not increase as it is calculated on the basis of the service tenure and wages earned at the time of retirement or exit.

    162. comment-author
      AMANUL MOLLICK

      IS SCHEME CERTIFICATE MANDATORY FOR MONTHLY PENSION FORM 10D ONLINE APPLY FOR AN EMPLOYEE WHO CONTINEOUSLY SUPERANNUATION PERIOD COMPLETE TO ONLY ONE ESTABLISHMENT ????????

      1. comment-author
        Rishabh Ranjan

        Hi Amanul,

        Scheme certificates are not necessary for those who apply for Form 10D. It can be submitted by only those who have more than 10 years of service and have attained 58 years of age.

    163. comment-author
      Narasimha

      My friend expired in 2020 at age of 48 due to illness. He worked for company for 9.6 months due to illness has resigned in Mar 2018 and expired in 2020. He has wife and 2 children.He has been given scheme certificate for the period of 9.6 by EPFO. But they are dying to give pension to children, as he has not completed the pension criteria of 10 yrs. I request you to provide any clause or rule so that children can get pension.

      1. comment-author
        Rishabh Ranjan

        Hi Narasimha,

        Need clarity on the nominee details furnished by the employee while opting for the Pension scheme certificate, and family members’ details that were furnished by the nominee (Wife) while applying for pension.

    164. comment-author
      Harry

      Hi. I am currently working. I have total 12 years of work experience. I want to withdraw PF pension due to medical issues. Please reply

      1. comment-author
        Rishabh Ranjan

        Hi Harry,

        You cannot withdraw pension while working, but you can apply for PF advance by submitting an online application on the PF portal by logging in with your UAN and password.

    165. comment-author
      Manas Sarkar

      I worked for two companies A and B , at A I have worked for 3 years and B I have worked for 3 months . Right now I am job less. Shall I eligible for EPS withdrawal???

      1. comment-author
        Rishabh Ranjan

        Hi Manas,

        If you applied for a transfer application for transferring PF accumulations from company A to Company B, and if the transfer to Company B is complete, then you can withdraw both PF and pension dues.

    166. comment-author
      Praveenkumar Kumar

      I have applied pension but it’s was not credited happen 20 days showing under process ..what’s the next step ..I left job past one year back but now no work sitting at home age 31years

      1. comment-author
        Rishabh Ranjan

        Hi Praveenkumar,

        The process takes a maximum of 20 to 30 working days. In case the amount is not credited, you can approach the PF office in person to know the status, or raise an online grievance to know the claim status.

    167. comment-author
      Jayant baliram khachane

      I want to know past service pension calculetion,than 15/11/95 to 1/10/2014 farmula after 1/10/2014 to 16/3/2024 at the retirement,there is difference of caping fist 6500,then 15000 my besic salary on 95 is more than 2500,

      1. comment-author
        Rishabh Ranjan

        Hi Jayant,

        Since your retirement is still due, the calculation may differ at the time of your retirement.

        The current pension calculation is:

        (Last drawn pension wages * No, of years of service) / 70.

        The EPFO will consider average of last 12 months or 5 years pension wages for pension calculation.

    168. comment-author
      digvijaay sharrma

      hi rishab ranjan pls help my frnd father worked in bokaro steel plant after his death my frnd mother is getting pf pension of only 1760rs every mnth frm 1996 onwards i wnt to knw is this amt justified and secondly how his mother is getting widow pension frm haryana govt. i wnt to knw how both are diff?

      1. comment-author
        Rishabh Ranjan

        Hi Digvijaay,

        PF pension is paid to the nominee based on the employment tenure. Also, the pension is paid on the basis of the employee’s last drawn pension wages. The pension paid by Haryana Govt. is part of a different scheme.

    169. comment-author
      Subhajit Mazumdar

      Hello Sir,
      I had left my organisation 30/06/4014.
      My Pensionable Service is 18yr6 months 15 days.
      My Pensionable salary is 6422/-
      Am I eligible to withdraw my eps fund balance ?
      If not how much & when I will start getting my pension.

      1. comment-author
        Rishabh Ranjan

        Hi Subhajit,

        Since you have contributed towards pension for more than 10 years, you are eligible for monthly pension upon attaining 58 years of age.

    170. comment-author
      Hira Randhawa

      Hi Rishabh,
      I joined my Semi Govt. Department in 1983 and was on without Pay Leave for 3 years during 2006-2009.
      I got voluntary retirement on 1-3-2010. My office did not sent form 10D for pension at that time. I Applied for pension when I come to know in 20018. The EPF office sent back my case with objections many time.
      Last time I sent my case back after removing objections in December 2019.
      – After longtime waiting when I tried to find position of my case in EPF office, I come to know that they sent back case to my office again after objection. But when I enquired in my office they said we didn’t receive that one.
      – I sent emails to Regional Officer EPF Office Chandigarh, MD of my Department, Delhi HO of EPF, Chief Secy. of Punjab regarding my harassments. I received reply from EPF that they sent back case after raising objection in January 2020. But case was not reached in my office till December 2020.
      -I received my case on December 2020 at my home address.
      -Now I am sending back again after objection removal.
      What it meant?
      It mean the EPF office don’t have qualified employees who check one time all the objections and giving me pain again and again?
      Kindly suggest me what can I do now?
      ? What is the clear picture in this Scenario?
      ? Am I eligible to receive pension from my retirement date (1-3-2010)?
      ? Could I claim arear of pension if it is sanctioned by EPF office?
      ? Where I can register my complaint about my harassments still going on?
      ? Is there online system to apply for my pension?
      Thank you very much for your time.

      1. comment-author
        Rishabh Ranjan

        Hi Hira,

        You are entitled for pension once your total duration of service exceeds 10 years. Upon attaining 50 or 58 years of service, you can avail monthly pension.

        Since you didn’t mention any details regarding reasons for rejection or the list of objections made by EPFO,I suggest you visit the PF office in person to understand the requirements of EPFO. Finally contact your employer in order to collect the documents as per EPFO requirements and get your pension form processed to avail monthly pension.

        You can get the pension dues from your date of retirement to the present day as arrears and the rest of the amount will be paid as pension on a monthly basis.

    171. comment-author
      Gustavo

      Hi Rishabh,
      I am an expat pilot that I use to work for a local airline. I need to claim withdrawal benefit from my EPS account. I met the requirements for full amount withdrawal ( less than 10 years of service).
      I can’t do it online because I have no Aadhaar. I had people trying to do it but no luck. My country has pension treaty with India, I tried trough my country as well but no luck either. Can you suggest somebody in Mumbai to do it for me.I can see the amount when I check the passbook online.
      Thank you.

    172. comment-author
      kumar

      Hi Rishab,
      I liked your support on quarries on Pension and really helping people

      I am 52 years age now, my total employment service is 12 years (from 2007 to 2019, no breakup) and last drawn basic was Rs.71,000 per month.
      And my recently employed company service is less than 3 months and I resigned now the last drawn basic was Rs.55,000 per month
      All these companies PF and EPS are still active is not withdrawn

      Kindly advice how much pension amount i receive monthly if I apply for pension after 55 years (assume i do not get job anymore)

      1. comment-author
        Rishabh Ranjan

        Hi Kumar,

        Though your basic pay is INR 71,000 or INR 55,000 pension contribution is capped at a ceiling wage of INR 15,000.

        You will be able to avail pension benefits on attaining 58 years of age.

        The approximate monthly pension would be INR 2,571(subject to change).

    173. comment-author
      Sibaram Pradhan

      Dear Sir,
      I made withdrawal my pension amount 4 years back then my aged was 35 years, as per EPF statement I have received less approx. Rs. 2700, you can explain the calculation.

      1. comment-author
        Rishabh Ranjan

        Hi Sibaram,

        The mentioned amount might be subject to TDS deduction. Please contact the EPFO office for clarity.

    174. comment-author
      Ravi Kumar

      Hi..how to know the details of beneficiary or nominee of my account on line. Can I change or modify my nominee?
      Regards
      Ravi

      1. comment-author
        Rishabh Ranjan

        Hi Ravi,

        Log into the EPFO portal with your UAN & password. Then navigate to ‘Manage’, and under it click on ‘E-NOMINATION’
        to view, update, or enter nominee information.

    175. comment-author
      Punwant Singh

      Hi sir I have worked in Accenture for 9 years .then I joined tcs.need to transfer my pension but tcs told you don’t have employees pension account with tcs to transfer .tcs told pf will transfer but what will happens of 9 years pension they also don’t know.my concern is where will my eps money of 9 years Accenture worked will go if I tansfer my pf.if I don’t transfer government will not give interrest on my money struck both ways.

      1. comment-author
        Rishabh Ranjan

        Hi Punwant,

        1. TCS PF is maintained with their own PF trust. As for the pension, they call it the FPF (Family Pension Fund) account, maintained with the concerned regional PF office. Since you’re already a part of EPS at Accenture, TCS needs to enroll you under the pension scheme in order to transfer your pension contribution.

        2. Interest will be paid only on EPF contributions and not Pension contribution as Pension is a defined benefit.

        3. I suggest you contact TCS to know your EPF Account no. in order to apply for a pension transfer online

    176. comment-author
      Srisha Bhat

      There are lot of confusions on calculating monthly pension. EPFO calculate the pension on pro reta basis and not on average calculation!. Till 2014 Sept total contribution was 6500/yearb. Please clarify.

      1. comment-author
        Rishabh Ranjan

        Hi Srisha,

        Pension is a defined benefit and varies on the basis of the tenure of employment and the average amount ( last drawn pension wages).

    177. comment-author
      Slmittal

      I have service from 17.8.2007 to 1.12.2017 with eps contribution from employer upto 9/2016. Epf has been withdrawn. For eps withdrawal, I get following remarks: your service is greater or equal to 9.5 years or less than 6 months, in red. What should I proceed to do? Advise.. thanks

      1. comment-author
        Rishabh Ranjan

        Hi Slmittal,

        If you have crossed 58 years of age and have contributed towards a pension for more than 10 years, then you’re entitled to pension benefits.

        You need to submit Form 10 D online on the PF portal to claim pension dues.

    178. comment-author
      Anil Kumar Gupta

      If one has taken reduced pension at age 52 is there any provision to get ful pension at after getting age 58 or 60.
      May I request to let me know epfo provision/ ules.
      Thank you.

      1. comment-author
        Rishabh Ranjan

        Hi Anil,

        No, once you have opted for a reduced pension, you will continue to get the same. To get a full pension, you need to opt-in only after attaining 58 years of age.

      1. comment-author
        Rishabh Ranjan

        Hi Amiya,

        Noncontributory period will be taken into account for EPS eligibility including NCP days; if it has not crossed 120 months it will be disqualified.

    179. comment-author
      Priyanka

      Hi Sir,

      I joined an organisation on 04.06.2018 and left on 14.06.2019. My salary (basic+DA) was less than 15000 in this organisation and hence, employer was deducting amount towards EPS.
      I switched to other organisation on 17.06.2019 where I am currently employed with salary above the ceiling of 15000. While sharing the PF details of previous organisation, I erroneously forgot to specify that my previous employer was contributing towards EPS due to which my current employer did not deduct EPS for almost more than 1.5 years as on date. While filling the transfer claim form today, I realized about this mistake today.

      So now for more than 1.5 years, I do not have any accumulation in EPS account by current employer while it was there in the pass book of my previous employer.

      I tried to fill form 10 c in order to withdraw the EPS amount and subsequently transfer the EPF amount to my current employer’s accumulation but the option to fill form 10C is not available on EPFO Member Portal as I guess it allows services related to current employer account only.

      Would be really grateful if you could guide on the same. I would prefer either to get the entire NPS amount withdrawn OR leave it in previous account to lapse (and transfer just the EPF part to present employer). Is either of the cases possible?

      1. comment-author
        Rishabh Ranjan

        Hi Priyanka,

        Once UAN is mapped to a new employer, the employee will not have the option to claim the PF or pension dues.

        In such a case, either you need to withdraw the complete PF and pension dues of the previous employer by submitting the physical PF and pension claim forms at the PF office, or approach your current employer to revise your contribution details by showing both PF and pension contributions. Once this is successfully done, you can submit the transfer application to transfer both PF and pension accumulations.

    180. comment-author
      MOHAN KUMAR

      Sir,
      I retired in January 2021( 58 years competed.) .I am still continuing my Job in the same company as they said they require my services.. As i am eligible to get pension, to get pension, I updated my KYC .while submitting Form 10D,it is not getting submitted it says EXIT DATE IS NOT MENTIONED..As i did not exit from company, Exit date can not be mentioned.. Then how to solve this problem? how PF authorities can know that i am still working? Can I get pension ?

      1. comment-author
        Rishabh Ranjan

        Hi Mohan,

        Since you attained 58 years of age, you are entitled for pension benefits. Although you are in service, your employer’s contribution towards pension will get diverted to employer EPF. You can request your employer to report the Date of Leaving (service) under EPS/FPS column in order to submit Form 10D online to claim monthly pension benefits.

    181. comment-author
      PRAKASH S PRABHU

      Hi Sir,
      My ex employers Hinduja Hospital had submitted my Scheme certificate along with Form 10D on 19th Oct 2019 along with epfnos other emp details.
      The person handling my case Mr. Tarachand Muni of EPF Bandra office is unable to resolve my case and in every visit he comes out with new query and buying time. I am nearing 60 yrs retired from active service. Pl. help in resolving my case.

      1. comment-author
        Rishabh Ranjan

        Hi Prakash,

        My advice to you is to raise a grievance online on the PF portal with supporting documents such as a copy of scheme certificate, Pension application etc. You could also contact the concerned Regional Commissioner at Bandra PF office. On the 10th of every month they conduct Lok Adalat to address the grievances of employees where employees take part.

        Before planning please check the local Covid situation and guidelines as most of the offices are shut in Mumbai.

    182. comment-author
      Ravi Tathgur

      Hi Sir,

      I have worked in 2 companies and they both have PF trusts.F amountNow After I left first company i didnt transfer my PF amount nor I did anything for EPS amount.
      After leaving the second company also around 2 years ago, I applied for EPS and PF from second company.
      I got the amount of EPS and PF from second company but now i have to apply for PF and EPS from the first company.

      Now, the first company is saying that I have to apply on EPFO portal for EPS, which i have already applied and recieved EPS while applying for the EPS for the second company and also the date of joining details were shown for the second company only and not for the first company.

      Now, I have a doubt that whether I have received accumulated amount of EPS for both the companies or only for my last company since only second company’s joining details are shown in EPFO form 10c.

      Kindly share some details

      1. comment-author
        Rishabh Ranjan

        Hi Ravi,

        You need to apply for PF and pension withdrawal from 1st company as you neither submitted transfer nor withdrew during the time of resignation.

        As for the EPS, since you continued the existing UAN with the second employer and withdrew the PF and EPS dues, you cannot submit an EPS claim online again for the 1st Company. You need to submit the physical form (10C) at the PF office by mentioning the first company details.

      1. comment-author
        Rishabh Ranjan

        Hi Dayanand,

        You haven’t mentioned the details of employment and whether death occurred while in service or after service. The nominee can approach the employer along with the Death Certificate, Aadhaar Card, passport-size photos of self and children, bank account details of self and children etc., in order to initiate the process.

    183. comment-author
      Rajesh

      Hi
      We are employer,
      Some employees crossed the age of 58 now.
      When I submit the PF details, should the EPS amount be shown or should I show the entire amount in EPF EPS difference?

      1. comment-author
        Rishabh Ranjan

        Hi Rajesh,

        Since you’ve attained 58 years of age and are employed, the employer’s EPS contribution needs to be diverted to the employer’s PF contribution. Employee and Employer PF will be the same @12% and EPS will be “0”.

    184. comment-author
      K N Swamy

      I joined job in 2002. contributing towards PF since then. however from 2002 to 2010, my PF was maintained by a trust. from 2010 my PF is maintained by EPFO. Now, will my pensionable service be considered from 2002 or 2010. Please do confirm rules regarding this. Thanking you.

      1. comment-author
        Rishabh Ranjan

        Hi KN Swamy,

        You didn’t mention whether there was a change in employment during 2010 or the same company from 2002.

        If it’s the same company, EPS service will be from 2002 onwards.

        If you moved to a new company in 2010 and transferred your pension accumulations for the period 2002 to 2010 to the new employer’s PF, your pensionable service will be calculated from 2002 onwards.

    185. comment-author
      Geeta Asthana

      I have not received my pension from Jan 2019, inspite of submitting the life certificate from HDFC bank on Nov 2019 n through SBI bank in Nov 2020, I m senior citizen n do not move out of the house, pls release my pension asap. Also no contact numbers are available of Kandivali office in Mumbai.

    186. comment-author
      Pradeep RS

      Max pension is is % of Rs.15000 when your basic is above 15000… It’s (15000 x number of years of service from 1995 to retirement)/70….

      1. comment-author
        Rishabh Ranjan

        Hi Pradeep,

        If you have 25 years of contribution towards pension, the maximum pension will be 50% of pension wages. For instance, considering INR 15,000 as the wages, the pension would be INR 7500 (subject to change at the time of applying for pension).

    187. comment-author
      Richa Sharma

      Hi… My mother in law is a window and can she withdraw my father in law EPS at once? The EPFO office replied that it is not possible. Is it?

      1. comment-author
        Rishabh Ranjan

        Hi Richa,

        Since the employee is deceased, your mother can apply for a widow pension where she will be eligible to get a certain amount as a pension every month.

    188. comment-author
      SAJAL SARKAR

      Dear Sir,
      I have completed 58 years on January2021 with continues service of more than 30 years. Unfortunately my Employer failed to update my PF contribution for more than 19 months. Please advice how I can get my pension at the earliest,
      Regards
      Sajal Sarkar

      1. comment-author
        Rishabh Ranjan

        Hi Sajal,

        Since PF contribution was not remitted for 19 months I suggest you either contact your employer, or the concerned PF office where the (PF) account is maintained by your employer.

    189. comment-author
      Ruthesh K

      Hi Sir,

      As one of my colleague passed away in an Road Accident and now will his parents get the Monthly Pension or One shot claim.?
      He was unmarried and service was almost 7 years.

      1. comment-author
        Rishabh Ranjan

        Hi Ruthesh,

        Since the employee is unmarried and has a service of 7 years, the nominees (parents) will get benefits under EPF and EDLI — which is a one-time payment scheme. Pension will be processed issued on a monthly basis.

    190. comment-author
      Ponnachan Kunju G

      Sir,
      I have EPF Scheme Certificate issued by EPFO, Rajasthan (Udaipur) wherein Eligible Service is 17 years, out of which pensionable service is mentioned as 6 years. My date of cessation of membership is 31.08.2001. Thereafter I joined new service and I am a member of EPFO w.e.f. 13.11.2001 and having UAN.
      Sir, I am attaining 58 years on 25.05.2021. However, my old Certificate details were not added in the new services so far. So for getting my Pension for the whole services, what should I do now. Also how much pension will I get?.

      1. comment-author
        Rishabh Ranjan

        Hi Ponnachan,

        You need to surrender the scheme certificate to the current establishment’s PF office through your employer by mentioning the details of current employment such as UAN/PF NO, Date of Joining(DOJ) etc. On the basis of your request and supporting documents, service will be added. Also, while computing the pension, the old service tenure will also be taken into consideration.

    191. comment-author
      SANDEEP T.

      Hi Rishabh,
      My age is 56yrs. I have resigned from a company after16 yrs. I have submitted 10D form online on EPF portal. I have opted for reduced pension.
      My Claim Rejected PLEASE SUBMIT PAST SERVICE DETAIL IF ANY BEFORE JOINING THIS EST OR NON EMPLOYMENT LETTER.2) NOT ELIGIBLE-INSUFFICIENT SERVICE
      1)My past service before joining this est was for 9 yrs. Company is closed now. I don’t have pf a/c no.
      2)I have applied for reduced pension and I have served for 16 years then how insufficient service?
      3)What is non employment letter? Where to upload?
      Pl.guide.

      1. comment-author
        Rishabh Ranjan

        Hi Sandeep,

        1> It will not be an issue.

        2> Since you attained 56 years, they might not notice your choice of reduced pension. It’s a declaration which you need to address to the PF office, stating that you are not employed anywhere post resignation from the job.

        3> I suggest you submit the physical Form (10D) with necessary enclosures at the PF office to claim pension. You can also wait for another 2 years to get full pension.

    192. comment-author
      Sudhir Kumar dubey

      I was working with one Pvt company in india
      for period of 14years( 1992- 2006) .left job went abroad, but before going I took my PF amount. Now I want to know about my EPS , how can I get, my age is 58 yrs and I am back to India.

      1. comment-author
        Rishabh Ranjan

        Hi Sudhir,

        Since you attained 58 years of age, you can submit the Pension claim form (Form 10D) with your employment personal details at the PF office where it was maintained.

        Please keep your PF Number, Date of Joining and Date of Leaving service details ready while filling the form.

    193. comment-author
      Sagar Bhutani

      Hi,
      I have few queries regarding my mother’s PF contribution. She has worked for 2 organisations.
      From 1995 to 2002, she worked in one organisation and had withdraw the some portion of EPF amount during this tenure and received scheme certificate for the EPS contribution. Since the company got closed, there was no record of the EPF amount that is left. I need to know how can I found out this EPF amount?
      Secondly, Since she had the scheme certificate for EPS contribution, she joined another company and had served there from 2002 to 2020, So In order to apply for pension, what needs to be done so that earlier scheme certificate will also come into account? She is retired. Appreciate your response. Thanks.

      1. comment-author
        Rishabh Ranjan

        Hi Sagar,

        To know the PF balance amount for the first PF account, you can visit the concerned PF office and meet the Account section officer/caseworker.

        As you mentioned she withdrew only a small amount from PF, the rest of the amount can be transferred to the 2nd employer’s PF account. or it can be withdrawn by manually submitting the PF claim form.

        As for the scheme certificate issued by the 1st employer PF office, you need to surrender the same to the 2nd employer’s PF office by stating the details of employment, PF Number etc. This will help in bringing the old service under the 2nd employer’s PF account. Also, while computing pension, the same will be calculated from the initial Date of Joining i.e.,1995.

    194. comment-author
      Prashant Kumar Barnwal

      I resigned from my job in February(Last working day is 27.02.21). I applied for advance on 2 May 21 and claim settled on 11 may 21. After that I mentioned my date of exit on 21 may 21. My question is am I eligible for full pension withdrawal as my working years are around 9 years and 5 months. Thanks in advance

      1. comment-author
        Rishabh Ranjan

        Hi Prashant,

        Since you have worked for 9 years and 5 months, there is a less chance of withdrawing your pension if there are no breaks in service during the tenure of employment.

        Otherwise, you will be entitled to a reduced monthly pension which can be availed once you attain 50 years of age, or full pension at 58 years of age.

    195. comment-author
      Narendra Patel

      Dear Sir .,
      My Father started his new job at the age of 56 before this he has withdrawn all PF., He has continued his job for 20 years and while he was still working he died 3 months back ., I have taken follow up with a company for pf and pension ., but there is no HR person at the company ., So how to proceed from my side ., are we eligible for pension also ., My mother is 70 years and staying with me. Please guide., I have online access to my father’s PF account.

      1. comment-author
        Rishabh Ranjan

        Hi Narendra,

        Since your father passed away while in service, his nominees are eligible to claim PF, EDLI and Pension.

        Since you have access to your father’s UAN online, all details will be available: Date of Joining service, Date of Birth, Date of Leaving Service etc.

        On the basis of the available details, please fill forms like Form 20, Form 10D and Form 5 I F, and get them attested by the employer before submitting everything at the PF office. To collect the form, you can download it online or you can visit the PF office.

    196. comment-author
      K K Khurana

      At the age of 61 joined a private company for two years. A sum of Rs.1800 each was deducted as employee and employer contributions and was deposited with EPFO. I understand that out of Rs.3600 pm, a certain portion was deposited per month towards the pension fund. It is more than two years since I left that organization. I now intend to withdraw the contribution made during the period of 2 years. Will I get back the contributions to both PF and Pension fund?

      1. comment-author
        Rishabh Ranjan

        Hi K K,

        Employees who have attained 58 years of age are not eligible for pension contributions. In such a case, your pension contribution of 8.33% will get remitted towards PF in addition to 3.67% of the employer’s PF contribution.

        You can get complete PF amounts with interest for both employee and employer contributions.

    197. comment-author
      Ramesh

      Dear Sir

      I have completed 58 yrs as on 20-May-2019 .

      1. First Service start date is 02- Aug-1983 to 30-Jun-2006 ( 23 Yrs ) given by previous co. in Form 4 EPS
      2. Second Service Start date is 31-Jul-2006 to 20-May-2019 ( 13 Yrs ) Total of 36 yrs of service .
      I am not finding total of service of 36 Yrs in for EPFO Portal in Service History.
      Only Second Service ( 13 Yrs only ) is appearing in Service History.
      I got mail confirmation of adding both the service from EPFO Dept.
      But it is not appearing in Service History.
      Also my Last drawn Basic is 25000/- . What will be my PF pension amount and how to ensure Total Service of 36 Yrs is considered . PL confirm .

      1. comment-author
        Rishabh Ranjan

        Hi Ramesh,

        Please check the applicability of pension in your first employment as the pension scheme was introduced during the year 1995. Also check whether you have contributed towards EPS. If so, check if your EPS is transferred to the next employer’s PF account.

        Though your last drawn basic is INR 25,000, pension contribution is capped at INR 15,000.

        Considering a service of 13 years, the approximate monthly pension amount would be INR 2,785.

    198. comment-author
      ALOK AGRAWAL

      Hi sir, I am in service from past 15 years and now I learnt that I can request my employer to deduct my EPF based on my actual basic salary(50000) rather then cap of 15000 which that call as 12% on actual basic wages. In this way my contribution to EPF fund will surely increase.

      If I go with that, will my contribution to EPS increase ? if yes, how much it will impact on my monthly pension ?

      If not then should I go for VPF plus EPF with 15000 ceiling option.

      1. comment-author
        Rishabh Ranjan

        Hi Alok,

        Contribution towards PF, over and above INR 15,000 is as per discretion of the employee and employer. It also depends on the company policy

        EPS contribution is capped at a ceiling wage of INR 15,000.

        If you wish to contribute more than INR 1,800 towards PF then you can opt for Voluntary Provident Fund (VPF).

    199. comment-author
      Alok Agrawal

      Adding to my above context,

      Even if employer contribution for EPS will be 1250 max with 15000 wage ceiling so is below correct –

      EPF WAGE – 60000 ( my current basic per month )
      EPS WAFE – 15000 per month
      EMployee EPF contribution- 7200
      Employer EPF contribution- 7200-1250= 5950
      Employer EPS contribution-1250

    200. comment-author
      CHANDAN BARUI

      My joining date was 05/03/2014 and leaving date was 16/02/2021 and my pension contribution was 64911.00 but I have received 69545.00 while my friend got 84824.00…..what is the matter??? Please help

      1. comment-author
        Rishabh Ranjan

        Hi Chandan,

        The pension amount settled is not only based on the contribution made, it also considers the tenure of employment and non-contribution period while processing the pension claim.

    201. comment-author
      Jamal Basha

      Good morning sir, My Name is Jamal Basha,I have more than 10 years of experience in one Organization. I have Resigned my Job recently Due to my Personal problems. I want to Withdraw 10c Amount. i tried to Withdraw amount but Options are not available. Sir what is the process and How can i withdraw my Epf 10 C amount.present iam Unemployed. So kindly give me your Valuable suggestions

      1. comment-author
        Rishabh Ranjan

        Hi Jamal,

        Since you have contributed for more than 10 years, you cannot withdraw your pension contribution with Form 10C since you’re entitled for pension benefits. Upon attaining 58 years of age, you can submit the pension form (Form 10D) to avail the monthly pension. Until then you can opt for a scheme certificate from the PF office.

    202. comment-author
      Praveen

      Hi, Some one suggest me on below doubts,
      1.What happens to the EPS(Employee pension) from the previous employer after transferred my pf to new account when I joined new employer, the new passbook not showing old EPS amount.
      2.We can withdraw all the EPS contribution after 58 year or it ll be paid as pension ?

      1. comment-author
        Rishabh Ranjan

        Hi Praveen,

        1. Pension amount transferred will not reflect in the e-passbook under EPS. However, the service will be added for the current employer’s PF. You can check the same under Service History after logging into the PF portal with your UAN and password.

        2. EPFO subscribers with contribution less than 10 years (9.5 years) are able to withdraw the entire EPS amount at the time of resignation after attaining 58 years of age.

        Pension will be paid to those employees (aged 58 years or more) who have contributions exceeding 10 years.

    203. comment-author
      Vishal

      If I worked in a company for 1 week the EPF and EPS amount for that 1 week is credited in account. Then I worked for another 5 month completely. Then am I eligible for the EPF and EPS money withdrawal. Because if any person is eligible for pension and pf he should work for 6 months. And I have one more question that in our own epf account date of joining to the company and date of leaving the company is mentioned so will it have to be 180days to claim EPF and EPS money

      1. comment-author
        Rishabh Ranjan

        Hi Vishal,

        To withdraw a pension amount, you should have a minimum of 6 months of contribution.

        You can submit the PF claim after 60 days from the date of leaving.

    204. comment-author
      shibu stephen

      sir, my name is shibu s and currently i am working with a pvt. Ltd company where my basic salary is 75000/-.Last 20 years i am working with this company and earlier they were deducting Rs.541 and subsequently Rs.1250 from employer contribution. now my age is 45 years old and i am planning to quit and plan to do some business. I know i am eligible to get pension after 58 years old. But my queries are as follows;
      1. If i collect EPF Scheme Certificate now, what will be my monthly pension after 58 years old. ( Total amount deducted as of now in pension scheme is 1.8 Lakhs)
      2. will it be possible me to pay pension contribution even if i am not employed
      3. Will it be possible for me to withdraw full pension scheme amount ( 1.8 Lakhs) by not opting pension scheme.

      1. comment-author
        Rishabh Ranjan

        Hi Shibu,

        (1) The approximate monthly pension would be INR 4,250 subject to change at the time of disbursement.

        (2) The contribution can only be made through the employer. If you wish to continue pension contributions, you can try the NPS scheme

        (3) Once you’ve exceeded 10 years of service, you will be able to withdraw the complete amount. You can opt for a reduced pension so that 1/3 of the amount is settled, and the rest is issued as a monthly pension.

    205. comment-author
      Koshy

      Hello, Sir,

      I have worked in an organisation and opted for reduced pension and accordingly i have been getting a monthly pension of Rs.575/- after commutation of 1/3 amount – from October 2006. On my recent visit to PF Office, it is revealed that they have erroneously calculated my pension based on date of birth as 01-10-1956, where as my original date of birth is 01-12-1955(less 14 months). When the minimum pension enhanced to Rs. 1000/- when my request was rejected saying that my original pension was more than Rs. 1000/-.

      I have taken up this matter with EPFO many times and a couple of times in the past they have replied that my case is under process to issue fresh Pension Order. Nothing is heard about this, therefore i have recently again lodged a complaint – the reply received is that since you have opted for reduced pension date of birth does not matter. It appears from that they are not willing to do anything to sort out my case.

      Under the circumstances, please advise if my pension is calculated on real date – i.e. 01-12-1955 the retirement benefits(Pension) could have been more or same as what I have been drawing today?

      Another things, as per the latest EPFO order, full pension to be restored to members after completion of 15 years. I am completing 15 years on 01-10-2021. Do I need to do anything in this regard or EPFO will update the hike automatically and i will get the enhanced pension accordingly?

      1. comment-author
        Rishabh Ranjan

        Hi Koshy,

        Since there is an issue with the date of birth, and age is one of the parameters to determine the pension amount, I suggest you visit the concerned PF office which disburses your pension with details of employment, PPO Order, Aadhaar card, etc. in order to get the matter resolved.

    206. comment-author
      P. MARAK

      I have questions, my sister’s expiry in the year 2019 June 27, till date we haven’t received her GPFand other allowance, and she is single un married, so the nominee will be eligible for her pension or my Mothers , did she get pension?

      1. comment-author
        Rishabh Ranjan

        Hello P. MARAK,

        The query raised is with regard to GPF which means that it is likely you worked in the Government sector. In order to avail the death benefits, the nominee needs to visit the employee office with supporting documents such as Aadhaar Card, Death Certificate, Bank account details etc.

    207. comment-author
      dev

      i working on an organization from last 10 years, but organization open epf and eps account now after 10 years
      so my question is am i eligible for pension benefits after complete 58 age. although EPF/EPS account opened in 2021 but service already completed 10 years
      am still working, age 37

      1. comment-author
        Rishabh Ranjan

        Hi Dev,

        In order to avail the pension benefit, you should have a minimum of 10 years of contribution towards pension.

    208. comment-author
      Sunita Tagare

      My question is, I want to do NO Nomination for my pension claim. I can make legal affidavit for the same.
      Please guide.

      1. comment-author
        Rishabh Ranjan

        Hi Sunita,

        In such a case do not file nomination, neither online on the PF portal, nor with a physical form. If you want to make a legal affidavit, a copy of the same can be submitted to your employer.