EPFO: Your EPS pension will not start automatically post retirement – Know what you must do

EPFO pensioners alert: Members of the Employees’ Provident Fund Organisation (EPFO) frequently raise queries on social media platforms, including ‘X’, seeking information from the retirement fund body regarding EPF fund withdrawal and transfer, pension eligibility under the Employees’ Pension Scheme (EPS), and other PF-related matters. From time to time, the EPFO also issues clarifications to address various doubts raised by its members.

Some common questions members often ask the EPFO include: How will I receive my EPF and EPS money? When will the pension start? Will interest continue to be credited even after retirement?

Here are easy and straightforward answers to these questions — especially if you are retiring soon, then this information will be very useful for you.

Also read: Good news for govt pensioners: UPS benefits in addition to NPS for THESE employees

Can the entire amount of EPS be withdrawn after completing 10 years of service?

If you have served for less than 10 years, then you can withdraw the entire amount of EPS in lump sum.

But as soon as your service becomes 10 years or more, the entire amount of EPS cannot be withdrawn. Now you become entitled to a monthly pension, which starts getting on completion of 58 years of age.

To avail the pension, you have to fill Form 10C and Composite Claim Form (Aadhaar or Non-Aadhaar) and get a scheme certificate. This certificate helps in transferring the pension in case of a job change in future.

Want pension immediately after retirement? Then Form 10D is necessary

If you want to start getting pension as soon as you retire, then you will have to fill Form 10D for this.

Keep in mind—this form cannot be filled online. You will have to submit it physically by visiting your nearest EPFO ​​office. Keep all the documents ready in advance so that there is no delay in the process.

Also read: Pension rules change: Govt employees’ retirement benefits can be denied if they are found…

When to submit Form 10D?

As soon as your retirement date comes, immediately submit Form 10D. Since the process may take a few weeks, it would be wise to prepare in advance.

When will you get interest on EPF after retirement?  » Read More

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