How can I submit the Form 10D application?
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You can Submit EPF Form 10D through the online portal of e-SEWA.
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EPF Form 10D
By Bajaj Broking Team
June 16, 2026
6 mins read
Personal Finance
Summary:
Under EPS, EPF Form 10D is a form for claiming a pension. You can use it to start a regular monthly pension after you retire or a smaller pension after you turn 50 if you meet the requirements. EPF Form 10D lets family members of a deceased member get a family pension. Filling in accurate personal, bank, and KYC details are essential to avoid delays during processing.
Most retirement paperwork feels routine. EPF Form 10D is one form that is easy to overlook, but it matters. It is used to start a monthly pension under the Employees’ Pension Scheme. Many members assume the pension begins on its own. It does not. EPF Form 10D is the trigger. It is filed once pension eligibility is met, and it is processed through the EPFO after employer verification.
Some people reach this stage quietly at 58. Others apply earlier, after 50, and accept a reduced pension. In family pension cases, EPF Form 10D can also be filed by eligible dependents. The form is simple, but the details must match EPFO records.
What is EPF Form 10D?
What is EPF Form 10D, in plain language? It is the form used to claim a monthly pension from the Employees’ Pension Scheme. It applies when a member becomes eligible for pension and wants the pension to start.
Most commonly, EPF Form 10D is filed after retirement at 58. It may also be filed between 50 and 58 for a reduced pension, depending on EPS rules. In certain situations, the claimant is not the member. A widow, widower, child, nominee, guardian, or dependent parent may file EPF Form 10D for family pension, if the member has passed away.
EPF Form 10D is meant to record the pension type, claimant details, bank details, and supporting information so the EPFO can approve and begin pension disbursal.
Eligibility Criteria for Submitting Form 10D
Before filling EPF Form 10D, it helps to check eligibility first. It saves time. It also reduces rejection risk. These are common eligibility scenarios under EPS, depending on the claimant type.
If the member has reached 58 years of age and meets the pensionable service requirement, EPF Form 10D can be filed to begin superannuation pension under the Employees’ Pension Scheme.
If the member is between 50 and 58 years, EPF Form 10D may be used for reduced pension. In these situations, the pension starts early, but the monthly amount is lower because of the reduction rule.
If the member has died, their widow or widower, eligible children, nominee, or dependent parent can fill out EPF Form 10D for family pension, as long as they meet the EPS eligibility requirements.
If the beneficiary is a minor or can't apply on their own, a guardian can file EPF Form 10D with proof of the relationship and the right to claim.
Step-by-Step Guide to Filling EPF Form 10D
Submitting EPF Form 10D is not a hectic task. All you need to know is the process of filling out the form. Members of EPF can submit Form 10C in EPFO online through the following steps:²
Step 1: Visit the official EPF portal (e-SEWA)
Step 2: Click on ‘For employees’ under ‘Services’ options
Step 3: On this page, scroll down to click on the ‘online services’
Step 4: On the next page, enter the correct UAN (Unique Authentication Number) and password to log in
Step 5: In the drop-down, click on “online services” and then choose “Form 10D”
Step 6: Check your bank account details
Step 7: A pop-up will appear on the screen, click “yes” to proceed and then choose ‘Proceed for Online Claim on the next page
Step 8: On the next page, verify the details of your family members and their names
Step 9: Now, upload the passbook that has your name printed on it
Step 10: Now, after verifying the details, enter the OTP received on your registered mobile number and submit the form.
Required Documents for EPF Form 10D Application
Documents often decide how smoothly EPF Form 10D moves. When the form is correct but attachments are missing, claims usually pause. Keeping paperwork ready avoids repeated submission.
Recent passport-size photographs of the member and spouse, where required, should be attached with EPF Form 10D so identity and beneficiary records can be verified during pension processing.
Aadhaar-linked UAN and updated KYC details are important for EPF Form 10D because EPFO verification relies on matching identity and personal information across records before approving pension payments.
A bank passbook copy or cancelled cheque with the member’s name printed is needed with EPF Form 10D to ensure the pension is credited to the correct account without payment errors.
If the claim involves disablement or death, EPF Form 10D should include relevant supporting certificates, such as medical documents or death certificate, so eligibility under EPS can be confirmed.
Types of Pension Claimed Under Form 10D
EPF Form 10D covers more than one type of pension. The category depends on the member’s situation and the claimant’s relationship. Selecting the right type is important because it affects processing.
Superannuation pension is claimed through EPF Form 10D after retirement at 58 years, provided the member meets the required pensionable service conditions under the Employees’ Pension Scheme.
Reduced pension is claimed using EPF Form 10D when a member applies between 50 and 58 years. Pension begins earlier, but the amount is reduced as per the scheme’s early pension rule.
Disablement pension may be claimed through EPF Form 10D if a member becomes permanently disabled. The form is submitted with medical proof, and the pension is processed as per EPS provisions.
Family pension types may be claimed through EPF Form 10D after a member’s death, based on eligibility and records. These include widow, children, orphan, nominee, or dependent parent pension.
How to Check EPF Pension Claim Status?
You can log in to the EPFO member portal with your UAN credentials. Check the claim tracking section to see how your EPF Form 10D pension claim is doing.
The portal may show steps like submitted, in process, approved, or settled. If you don't have all the documents, EPF Form 10D may say it's pending for review or clarification.
Keep the registered mobile number active because the EPFO may send text messages about the processing of EPF Form 10D and the approval of pensions.
If the status does not change for an extended period, the employer or regional EPFO office can be contacted with the EPF Form 10D reference details for a status update.
Additional Read: How To Withdraw PF Amount Online
Common Mistakes to Avoid When Completing Form 10D
Most EPF Form 10D delays are avoidable. They happen because of routine errors, not because the claim is complex. A careful review before submission reduces the chance of rejection.
Incorrect personal details such as name spelling, date of birth, Aadhaar number, or UAN in EPF Form 10D can cause mismatch with EPFO records and may lead to rejection or repeated verification.
Incomplete or unverified KYC can slow down EPF Form 10D processing. Aadhaar linking and bank verification must be completed before the pension claim is filed on the portal.
If you put the wrong bank information in EPF Form 10D, it could take longer for your pension to be credited. You need to double-check the account number and IFSC code and make sure the account belongs to the member.
Missing documents or unsigned declarations can stall EPF Form 10D. Photographs, bank proof, and any supporting certificates must be attached before submission to avoid return for correction.
Disclaimer: Investments in the securities market are subject to market risk, read all related documents carefully before investing.
This content is for educational purposes only. Securities quoted are exemplary and not recommendatory.
For All Disclaimers Click Here: https://www.bajajbroking.in/disclaimer
Frequently Ask Questions
Is it possible for anyone to claim using Form 10?
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Yes. Members themselves, their families, legal heirs, spouses, or nominees can raise pension claims using Form 10D in EPFO.
What personal information will I be required to provide?
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You need to enter personal details like name, address, Aadhaar number, date of birth, etc. in the EPF Form 10D.
Do I need employer approval for submitting the EPS Pension Form 10D?
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Yes, both employee and employer must sign the EPF Form 10D before submitting it.
Published Date :
16 Jun 2026
Disclaimer :
Investments in the securities market are subject to market risk, read all related documents carefully before investing. This content is for educational purposes only. Securities quoted are exemplary and not recommendatory.
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Content Partner - Dalal Street Investment Journal Wealth Advisory Private Limited
This article is for educational purposes only and should not be considered investment advice. Market investments are subject to risks. DSIJ Wealth Advisory Private Limited is a SEBI-registered Research Analyst (Reg. No: INH000006396) and Investment Adviser (Reg. No: INA000001142). Please consult your financial adviser before investing.
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