EPFO 2025: Your EPS Pension Won’t Start Automatically — Here's What to Do

If you're an EPFO member nearing retirement, don't assume your pension will start on its own. Many people are unaware that to receive the EPS pension right after retirement, you must complete a few formalities. Here’s a simple breakdown of what needs to be done.

EPS Withdrawal Rules: Can You Take It All?

If you’ve worked for less than 10 years, you can withdraw the full EPS amount as a lump sum. However, if your service is 10 years or more, you become eligible for a monthly pension from age 58. In this case, you cannot withdraw the full amount.

To claim pension benefits later or in case of a job switch, you need to submit Form 10C and the Composite Claim Form (Aadhaar or Non-Aadhaar) and get a Scheme Certificate.

Want Your Pension to Start Right After Retirement? Fill Form 10D

To receive pension immediately after retirement, you must fill out and submit Form 10D.

Note: This form can’t be submitted online. You’ll need to visit your nearest EPFO office and submit it physically.

Ensure that all required documents are ready to avoid delays.

When Should You Submit Form 10D?

Submit Form 10D as soon as you retire. Since pension processing may take a few weeks, it’s best to prepare and apply early.

Will You Earn Interest on EPF After Retirement?

Yes, your EPF account continues to earn interest even after retirement, as long as you don’t withdraw the funds.

For example, if you retire on June 30, 2025, your EPF account can earn interest till June 2028, provided no deposit or withdrawal is made during this time. After 3 years, the account may become inactive, and interest may stop.

Read More, EPFO UAN Activation Deadline Extended to June 30, 2025. 

How to Withdraw EPF If the Account Becomes Inactive?

If your EPF account is inactive for over 3 years, you can still withdraw the funds.
Usually, this can be done online, but if your KYC is outdated or the account is too old, you’ll need to submit the withdrawal form at the EPFO office.

Conclusion

Your EPS pension won’t start on its own—you have to take action. Submit Form 10D right after retirement and keep documents ready. Also, know how long your EPF earns interest and when to withdraw it. A little preparation can ensure smooth retirement benefits.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.