सीधा जवाब
The scheme ensures retirement security for employees covered under the EPF Act, offering monthly pensions, family pensions, and withdrawal benefits.
- किसे मिलेगी?
- 50 से 58 साल · पूरे देश में
- क्या मिलेगा?
- Superannuation Pension: Payable to members who retire at 58 years with at least 10 years of eligible service. Calculated as (Pensionable Salary × Pensionable...
- आवेदन कैसे?
- ऑनलाइन, योजना के आधिकारिक पोर्टल पर
Scheme Details यह योजना क्या है?
The scheme ensures retirement security for employees covered under the EPF Act, offering monthly pensions, family pensions, and withdrawal benefits. It targets workers in organised sectors, providing financial support post-retirement, during disability, or to dependents after the member’s death.
Launched on 16th November 1995, the "Employees' Pension Scheme" is a social security initiative by the Government of India, implemented under the Employees' Provident Funds and Miscellaneous Provisions Act, 1952. The scheme ensures financial security for employees post-retirement, disability, or to their families in case of death. Key benefits include superannuation pension, early pension, and family pension. Eligible employees must be members of the Employees' Provident Fund Scheme, 1952, and their pay should not exceed Rs. 15,000/- per month. The scheme is implemented by the Employees' Provident Fund Organisation (EPFO). Applications for this scheme are accepted both online and offline through EPFO portals and regional offices.
Benefits कितना लाभ मिलेगा?
Superannuation Pension: Payable to members who retire at 58 years with at least 10 years of eligible service. Calculated as (Pensionable Salary × Pensionable Service) / 70
- Early Pension: Reduced pension for members retiring between 50-58 years, with a 4% reduction per year below 58. Payable if the member has rendered eligible service of 10 years or more.
- Monthly Member's Pension: Calculated as (Pensionable Salary × Pensionable Service) / 70.
- Minimum Pension: Rs. 1,000 per month, subject to deductions for commutation or early pension.
- Widow Pension: 50% of the member's pension or Rs. 450/month, whichever is higher.
- Children Pension: 25% of widow pension per child (max 2 children).
- Orphan Pension: 75% of the widow pension if no surviving spouse (max 2 orphans).
- Permanent Total Disablement Pension: Minimum Rs. 250/- per month if the member is permanently disabled during service.
- Withdrawal Benefit: For members who exit before completing 10 years of service, calculated as per Table D.
Disbursement Conditions
- Pension starts from the date following the member's retirement, disablement, or death.
- Early pension is reduced by 4% for each year the age falls short of 58 years.
- Deferred pension increases by 4% for each year beyond 58 years, up to 60 years.
- Family pension ceases on widow's remarriage or death.
Mode of Disbursement: Through Post Office, Nationalised Banks, or electronic transfer.
योजना की मुख्य जानकारी
| कौन-सा सरकारी विभाग चलाता है | श्रम एवं रोजगार मंत्रालय |
|---|---|
| किस इलाके में लागू | पूरे देश में (केंद्र सरकार की योजना) |
| लाभ का प्रकार | नकद (बैंक खाते में) |
| शुरुआत का साल | 1995 |
| किसके लिए | व्यक्ति |
|---|---|
| DBT (सीधे बैंक खाते में) | नहीं |
| Managed by | Ministry of Labour and Employment |
| Income limit for eligibility | Rs. 15,000 प्रति माह |
Eligibility कौन आवेदन कर सकता है?
जो शर्त आप पर लागू होती है, उस पर निशान लगाएं। सभी शर्तें पूरी हों, तभी आवेदन करें।
आधिकारिक शर्तें एक नज़र में
- 50 से 58 साल
For Superannuation Pension
For Early Pension
For Family Pension
Post-Selection Conditions
*International workers are eligible under specific social security agreements.
Not Eligible किसे लाभ नहीं मिलेगा?
<br>
Documents Required कौन-से दस्तावेज़ चाहिए?
जो दस्तावेज़ आपके पास है, उस पर निशान लगाएं। निशान सिर्फ़ इसी फ़ोन या कंप्यूटर पर याद रहते हैं।
How to Apply आवेदन कैसे करें?
आधिकारिक तरीके के अनुसार, एक-एक कदम।
ऑनलाइन
For Registration
Step 1: Activate UAN (Universal Account Number)
Visit the EPFO Unified Portal. Click "For Employees" > "Member UAN/Online Services (OCS/OTCP)". Enter UAN, mobile number, and CAPTCHA code. Click "Request OTP". Enter the OTP received on your registered mobile and click "Validate OTP". You will be redirected to the UAN activation page.
Step 2: Set Password & Complete KYC
Create a password (8-12 characters, including 1 uppercase, 1 number, and 1 special character). Under "Manage", select "KYC" and upload documents (Aadhaar, PAN, bank details). KYC status will show as "Approved" after verification (takes 3-5 working days).
For Application
Step 1: Login to the EPFO Portal
Go to EPFO Unified Portal. Click "Member e-Sewa" > Enter UAN, password, and CAPTCHA. Click "Sign In". You will land on the member dashboard.
Step 2: Navigate to Pension Claim
Under "Online Services", select "Pension on Superannuation/Retirement (Form 10D)". The pension application form will open. Fill in all the mandatory fields. Click "Save & Preview" to review entries.
Step 3: Upload Documents
Upload scanned copies (PDF/JPEG/PNG, max 2MB each). Click "Submit" to proceed to OTP verification.
Step 4: OTP Verification & Final Submission
Enter the OTP sent to your registered mobile and email. Click "Validate OTP & Submit". A success message with an acknowledgement number will appear. Save the acknowledgement number and screenshot of submission confirmation for future reference.
C. Application Status Tracking
Method 1: EPFO Portal > "Track Claim Status" (using UAN + acknowledgement number).
Method 2: SMS "EPFOHO <UAN> ENG" to 7738299899.
D. Help & Support / Grievance Redressal
EPFO Helpline: 1800-118-005 (8:00 AM–8:00 PM).
Email: epfigms@epfindia.gov.in.
Online Grievance Portal: EPFiGMS (or visit the nearest office for grievances).
Important Dates ज़रूरी तारीखें कौन-सी हैं?
- योजना शुरू हुई या आवेदन खुले16 नवंबर 1995
FAQs लोग यह भी पूछते हैं
What are the minimum years of service required to be eligible for pension benefits under this scheme?
The applicant must have completed a minimum of 10 years of contributory service under the Employees' Provident Fund to qualify for pension benefits.
How is the monthly member's pension calculated under this scheme?
The pension amount is calculated using the formula: (Pensionable Salary × Pensionable Service) / 70. The result determines the monthly payout.
What is the minimum pension amount guaranteed under this scheme?
The minimum pension provided is Rs. 1,000 per month, subject to deductions for commutation or early pension adjustments.
Who is eligible to receive a family pension after the member's death?
The deceased member's spouse is eligible for 50% of the pension, while children receive 25% each, up to a maximum of two children.
What happens if a member exits the scheme before completing 10 years of service?
Members who exit before 10 years receive a withdrawal benefit, calculated as per Table D of the scheme's provisions.
At what age does the superannuation pension become payable under this scheme?
The superannuation pension is payable once the member attains 58 years of age, provided they have at least 10 years of service.
Can a member claim an early pension before reaching 58 years of age?
Yes, early pension can be claimed between 50 and 58 years, but it is reduced by 4% for each year below 58.
What documents are required to apply for a family pension after a member's death?
The applicant must submit the member's death certificate along with proof of relationship, such as a marriage or birth certificate.
How is the pension amount adjusted if a member delays claiming it beyond 58 years?
For each year deferred beyond 58, the pension increases by 4%, up to a maximum of 60 years of age.
What is the orphan pension, and who is eligible to receive it?
Orphan pension is 75% of the widow's pension, payable if there is no surviving spouse and only dependent children.
What is the pension benefit for a member who becomes permanently disabled during service?
A minimum of Rs. 250 per month is provided as a permanent total disablement pension if disability occurs during employment.
How can a member track the status of their pension application online?
The status can be checked on the EPFO portal using the UAN and acknowledgement number or via the SMS service.
What is the process for activating the Universal Account Number (UAN) for online services?
Visit the EPFO Unified Portal, enter UAN and mobile details, validate OTP, and set a password to activate the UAN.
What are the password requirements for accessing the EPFO member portal?
The password must be 8-12 characters long, with at least 1 uppercase letter, 1 number, and 1 special character.
What is the maximum file size allowed for document uploads during online application?
Scanned documents must be in PDF, JPEG, or PNG format, with a maximum size of 2 MB per file.
What should an applicant do if their pension claim is delayed beyond the expected timeline?
Delays beyond 20 working days incur a 12% penal interest, and grievances can be raised via EPFiGMS or helpline.
What is the validity period of the OTP used during the online application process?
The OTP sent for verification remains valid for 10 minutes before expiring.
Is there a helpline available for assistance regarding pension-related queries?
Yes, the EPFO helpline (1800-118-005) operates from 8:00 AM to 8:00 PM for support and grievance redressal.
Official Website आवेदन कहां होता है?
योजना चलाने वाले विभाग के पोर्टल या सरकारी दफ़्तर में। लाभ दिलाने के बदले कोई पैसे मांगे, तो उसे पैसे न दें।
unifiedportal-emp.epfindia.gov.in
योजना के आधिकारिक कागज़
- Employees' Pension Scheme, 1995 (Original Notification)epfindia.gov.in · PDF
- EPFO Unified Member Portalunifiedportal-epfo.epfindia.gov.in
- Form 10D (Pension Claim Form)epfindia.gov.in · PDF
- EPFiGMS (Grievance Portal)epfigms.gov.in
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