Confused about the new EPFO pension rules? Here’s a simple guide to Form 10D, withdrawal rules, and how to start receiving your pension after retirement. EPFO Pension Rules Changed
Struggling to Get Your Pension Started? You’re Not Alone.
If you’re someone who’s spent years working hard, contributing to your EPF account month after month, retirement should feel like a reward—not a maze of paperwork and confusion. But lately, a lot of people have been asking:
- “Why hasn’t my pension started yet?”
- “Do I need to fill out a form?”
- “What if I worked less than 10 years—do I still get something?”
What’s Changed in the EPFO Pension Rules?
You might’ve heard on the news or even through WhatsApp that your pension won’t come automatically anymore. That’s true.
- Here’s the big update:
- To start receiving your EPF pension, you now must submit Form 10D.
- Yes, even if you’ve done everything right over the years, the pension will only begin once this form is submitted—either online or offline.
So, What is Form 10D and Why Do You Need It?
Form 10D is the official request to start your monthly pension under the Employees’ Pension Scheme (EPS).
- Without it, your pension sits there… waiting.
- Here’s what the form does:
- Confirms your retirement status
- Verifies your identity and service history
- Triggers monthly pension disbursement from EPFO
You can fill this form:
- Online via the EPFO portal, or
- Offline by visiting your nearest EPFO office
When Do You Start Getting Pension After Retirement?
Let’s say you just retired, or you’re about to—what happens now?
- Once Form 10D is submitted and verified, your monthly pension begins.
- If you delay submission, pension won’t be credited automatically.
- Even if your retirement is confirmed in your employer records, the EPFO needs your direct form submission to act on it.
FAQs About EPFO Pension Rules (2025)
Is Form 10D mandatory for all retirees?
Yes. Without submitting Form 10D, your monthly pension under EPS won’t begin—even if you’re eligible.
Can I fill Form 10D online?
Yes, you can start online, but you’ll still need to submit the form at your nearest EPFO office.
I worked only 7 years—will I get pension?
No, but you can withdraw your EPS contribution as a one-time payment.
What happens if I don’t submit the form after retirement?
Your pension will not start. However, your EPF account may still earn interest until you claim it.
Is there a deadline to submit Form 10D after retirement?
There’s no fixed deadline, but the sooner you apply, the sooner you receive your pension. Don’t delay.