Under the Employees' Pension Scheme, you can convert a portion of your monthly pension into a lump sum (commutation). Understand eligibility, calculate the commuted amount, and get expert help for application.
Commuted Pension Approved
Commutation of pension means surrendering a part of your monthly pension in exchange for a lump sum amount. Under the Employees' Pension Scheme (EPS), 1995, members are allowed to commute up to 1/3rd (33.33%) of their pension. After commutation, the remaining pension (2/3rd) continues to be paid monthly for life. The commuted portion is restored after 15 years (or earlier in case of death). This service helps you understand the rules, calculate the commuted value, and file the application smoothly.
Must be in receipt of pension for at least one year before applying for commutation.
Commutation is generally allowed for pensioners below 70 years (subject to scheme rules).
Family pensioners (widow/widower) are also eligible for commutation of their family pension.
Disability pensioners may have different commutation rules – we help assess eligibility.
*Reduced monthly pension after commutation will be ₹0 per month for 15 years. Full pension restored after 15 years.
Check if you've received pension for at least one year and meet age/health criteria.
Compute the lump sum amount you'll receive and the reduced monthly pension.
Prepare Form 10D (pension claim) with commutation option or separate commutation form.
Attach required documents (pension payment order, bank details, etc.) and submit to EPFO.
Follow up with EPFO, track the claim, and ensure lump sum is credited and reduced pension starts.
We'll help you calculate the commuted lump sum, prepare the application, and ensure smooth processing.
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