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EPS Pension: 10 Years' Service, Age 58 and Early Pension

By Kusum · Reviewed by Harish, Labour Consultant, Delhi on · Updated

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Independent guide by India Customer Care. We are not EPFO. Use only the official EPFO portals and the UMANG app for your account, and never share your password or OTP with anyone.

On this page
  1. Your case
  2. The formula
  3. Family pension
  4. Applying
  5. Frequently asked questions
  6. Sources
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Total PF service

If you have 10 years or more of pension service, you get a monthly pension for life from 58 (a reduced one from 50), and your family gets a pension after you. The amount is roughly pensionable salary × years of service ÷ 70, with a minimum of ₹1,000 a month. With less than 10 years, you can take the pension money as a lump sum instead.

Your case

Less than 10 years of service

No monthly pension. You can take the withdrawal benefit (a lump sum based on your service and wages) once you are 58, or after 36 months without a job. If you join another covered job, keep your service: transfer it, and once you reach 10 years in total you qualify for a pension.

10 years or more of service

  • From 58: full monthly pension.
  • From 50 to 57: early (reduced) pension, about 4% less for each year before 58.
  • Defer to 60: about 4% more for each year you wait after 58.
  • You cannot take the pension money as cash; ask for a scheme certificate if you leave a job before 58.

The formula

Monthly pension = pensionable salary × pensionable service ÷ 70

Example: pensionable salary ₹15,000 and 25 years of service (+2 bonus years, pension from 58) gives 15,000 × 27 ÷ 70 = about ₹5,786 a month.

Family pension

If a member dies, even after just one month of service, the family gets a pension: the spouse until death or remarriage, children up to 25 (two at a time), orphans, and the nominee or dependent parents where there is no spouse or child. Keep your e-nomination up to date.

Applying

  1. Check service history and KYC on the member portal
  2. Apply online for the pension (old Form 10D) or the withdrawal benefit (old Form 10C)
  3. EPFO issues the Pension Payment Order (PPO)
  4. Submit a life certificate every year
YouEPFO

Pensioners submit a digital life certificate each year through Jeevan Pramaan (face authentication works from home). Pension payment status: EPFO pension enquiry.

Frequently asked questions

What is the minimum EPS pension?

₹1,000 a month. Proposals to raise it have been discussed, but no increase had been notified as of 5 Nov 2026.

Does the ₹25,000 wage ceiling raise my pension?

It can, for service after 17 Sep 2026, because pensionable salary can now be counted up to ₹25,000. Your actual pension depends on your pensionable salary and service.

Can I get both PF and pension?

Yes. PF is your savings; the pension is separate. At retirement you can withdraw your PF and also draw the monthly pension if you have 10 years of service.

Sources