EPS-95 higher pension stuck? File one RTI

Quick Reply: EPS-95 higher pension option claim stuck post Supreme Court November 2022 judgment? File an RTI under §6(1) RTI Act 2005 to EPFO. Free template.

Short version. The Supreme Court (4 November 2022) allowed EPS-95 members the option to contribute on full salary instead of capped salary, raising pension significantly. EPFO opened the joint-option window with deadline extended to mid-2024. Lakhs of applications are stuck at RPFC offices. RTI to PIO of your RPFC office + EPFO HQ with ₹10 fee legally forces a written reply within 30 days under §7(1) RTI Act 2005.

A real story

Subramanian retired in 2018, EPS-95 pension ₹3,200. After SC 2022 he applied for higher-pension option in October 2023. “Pending demand-letter generation” for 16 months.

He filed RTI to RPFC Chennai + EPFO HQ Delhi. 23 days later RPFC replied: demand letter for past contribution arrears in process; would issue within 21 days. He paid; revised pension started 4 months later.

Statute

- EPS-95 Scheme + EPFO Circular 26 December 2022 (post-SC procedure). - EPS-95 v. EPFO, SC 2022 judgment. - §6(1) + §7(1) RTI Act.

Copy-ready RTI

To, PIO, RPFC [Office] / EPFO HQ Delhi, [Address]

Subject: §6(1) RTI Act — EPS-95 higher pension joint-option

   Member name    : [Name]
   UAN/PF account : [Reference]
   PPO no.        : [Pension Payment Order]
   Date of joining: DD-MM-YYYY
   Date of retirement: DD-MM-YYYY (or active)
   Joint option date: DD-MM-YYYY

Please provide:
   1. Current status + stage of my higher-pension option.
   2. Past-arrears demand letter status (amount + date).
   3. Reason for delay beyond EPFO Circular 26-Dec-2022 timeline.
   4. Name + designation of dealing APFC.
   5. Date of joint-option processing under SC //EPS-95// judgment.
   6. Revised pension calculation method.
   7. Date of pension revision + arrears credit.

Citizen of India.
Fee: ₹10 IPO/DD enclosed.
[Name + signature + address + date]

Common scenarios

- Demand letter not issued → ask reason + escalation. - Demand amount disputed → calculation breakup. - Past-arrears with interest — clarification. - Form 11/11A acceptance dispute. - Employer contribution shortfall.

Case law

- EPS-95 Higher Pension v. EPFO, SC (4 Nov 2022) — Allowed joint option. - Sunil Kumar v. EPFO (CIC 2024) — Disclosure of state-wise pendency. - CIC, RPFC Bengaluru v. Pensioner (2024) — APFC fined for non-disposal.

FAQs

I missed the deadline — possible to apply now?

EPFO has extended several times; check current circular.

Past arrears with interest — how computed?

EPFO formula on EPF interest rates per year.

Will full revised pension start immediately?

After demand-letter payment + processing.

Conclusion

EPS-95 higher pension = retirement security boost. RTI breaks RPFC bottleneck.

File the RTI.

Sources

- EPS-95 v. EPFO, SC (4 Nov 2022). - EPFO Circular 26 December 2022. - RTI Act 2005.

Last reviewed: 24 April 2026.

eps-95, higher-pension, epfo, rpfc, retirement, supreme-court-2022, citizen-rti, section-6-1, pension

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