How to Withdraw EPF Pension (EPS) 2026

About This Guide

Employee Pension Scheme (EPS) part of EPF. After 10+ years service: monthly pension at 58 (Form 10D). Below 10 years: lump sum withdrawal (Form 10C). Apply online via UAN portal. Form 10D needs Form 10D + EPS scheme certificate.

Eligibility Criteria

• EPF member with EPS contribution
• Service < 10 years: Form 10C lump sum
• Service 10+ years: Form 10D monthly pension after age 58
• Service 9 yrs 6+ months: rounded to 10
• KYC verified

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• UAN
• Aadhaar
• PAN
• Bank account (KYC verified)
• Form 10C / 10D
• Service certificate
• Date of birth proof

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Form 10C: lump sum at separation
• Form 10D: monthly pension lifelong
• Family pension to spouse
• Disability pension also
• Service-based calculation
• Scheme certificate option
• DBT direct credit

What Happens After Application?

10C: 15-30 days lump sum. 10D: 30-90 days, monthly pension begins age 58. Family pension after death automatic.

Frequently Asked Questions

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