• EPS-95 covers ~6 crore EPFO members
• Pension formula: Average Salary × Pensionable Service / 70
• Higher Pension option (post-2022 SC ruling): re-calculation possible
• PPO statutory in 60 days post-retirement
• RTI to RPFC under §6(1)

1. Submit pension claim Form 10D — At RPFC office.
2. Documents: PF passbook + Aadhaar + bank account — Plus retirement letter.
3. Verification + PPO issuance — 60 days statutory.
4. Pension credit to bank — Monthly.
5. Higher Pension option calculation — If applicable, separate process.
6. RTI for delay / calculation — If > 60 days.

• Aadhaar
• PF passbook + UAN
• Bank account (Aadhaar-linked)
• Retirement letter + service certificate

• PPO not issued > 60 days — RTI to RPFC for status + delay reason.
• Pension calculation appears wrong — RTI for calculation worksheet + applied formula.
• Higher Pension option pending > 6 months — RTI for calculation status (post-SC 2022 ruling).
• Bank account de-linked — visit bank for NPCI re-mapping.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of resolution / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

60 days statutory. RTI if delayed.

Post-2022 SC ruling. Calculation in batches; RTI for your queue position.

Avg Salary × Pensionable Service / 70. RTI for your specific calculation.

File RTI to RPFC + Higher RPFC. Use AI RTI Drafter.

• All pension guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.