Employees’ Pension Scheme

The applicant must be a member of the…

The applicant must be a member of the Employees' Provident Fund Scheme, 1952, or of an exempted establishment under Section 17 of the Act.

The applicant's pay must not exceed ₹15,000/month (unless…

The applicant's pay must not exceed ₹15,000/month (unless an additional 1.16% is contributed above this limit).

The applicant must have at least 10 years…

The applicant must have at least 10 years of eligible service for a pension.

The applicant must have contributed to the Employees'…

The applicant must have contributed to the Employees' Pension Fund. For Superannuation Pension

The applicant must be 58 years or older

The applicant must be 58 years or older.

The applicant must have rendered at least 10…

The applicant must have rendered at least 10 years of eligible service. For Early Pension

The applicant must have rendered at least 10…

The applicant must have rendered at least 10 years of eligible service.

The applicant must opt for early pension between…

The applicant must opt for early pension between the ages of 50 and 58. For Family Pension

The applicant must be the spouse or child…

The applicant must be the spouse or child of a deceased member who met the eligibility criteria.

The applicant must provide proof of the relationship…

The applicant must provide proof of the relationship and of the member's death.

The deceased member must have contributed for at…

The deceased member must have contributed for at least one month. Post-Selection Conditions

The applicant must submit the required documents for…

The applicant must submit the required documents for verification.

The applicant must comply with EPFO guidelines for…

The applicant must comply with EPFO guidelines for pension disbursement. *International workers are eligible under specific social security agreements.

Superannuation Pension:

Paid to members retiring at 58 years who have put in at least 10 years of eligible service. The amount is worked out as (Pensionable Salary × Pensionable Service) / 70.

Early Pension:

A reduced pension for members who retire between 50-58 years, cut by 4% for every year below 58. It is payable where the member has 10 years or more of eligible service.

Monthly Member's Pension:

Worked out using the formula (Pensionable Salary × Pensionable Service) / 70.

Minimum Pension:

₹1,000 per month, less any deductions for commutation or early pension.

Widow Pension:

Either 50% of the member's pension or ₹450/month, whichever amount is greater.

Children Pension:

Each child receives 25% of the widow pension (up to a maximum of 2 children).

Orphan Pension:

Where there is no surviving spouse, 75% of the widow pension (up to a maximum of 2 orphans).

Permanent Total Disablement Pension:

At least ₹250/- per month where the member becomes permanently disabled while in service.

Withdrawal Benefit:

Available to members leaving before they complete 10 years of service, and worked out according to Table D. Disbursement Conditions

The pension begins from the day after the…

The pension begins from the day after the member's retirement, disablement, or death.

For each year the member's age is short…

For each year the member's age is short of 58 years, early pension is cut by 4%.

For each year beyond 58 years, up to…

For each year beyond 58 years, up to 60 years, deferred pension goes up by 4%.

Family pension stops if the widow remarries or…

Family pension stops if the widow remarries or dies. Mode of Disbursement: Payments are made via Post Office, Nationalised Banks, or electronic transfer.

A document proving identity, such as Aadhaar, Passport…

A document proving identity, such as Aadhaar, Passport or Voter ID

Bank account particulars, shown through a cancelled cheque…

Bank account particulars, shown through a cancelled cheque or a copy of the passbook

Evidence of the date of birth, for example…

Evidence of the date of birth, for example a Birth certificate or School leaving certificate

The member's Death Certificate (where family pension is…

The member's Death Certificate (where family pension is claimed)

A document showing the claimant's relationship to the…

A document showing the claimant's relationship to the member (where family pension is claimed)

A certificate of disability issued by doctors approved…

A certificate of disability issued by doctors approved by EPFO (where disablement pension is claimed)

Evidence of service, such as the EPF passbook…

Evidence of service, such as the EPF passbook or employment records