EPS Pension Calculator (2026 Rules)
Calculate your lifelong monthly pension under EPS 1995, factoring in the ₹25,000 wage ceiling and statutory service bonuses.
Service & Salary Parameters
Configure your average wage & service tenure
Statutory Pension Projection
Live ResultEligible for lifelong monthly pension under EPS 1995.
How is Monthly EPS Pension Calculated in India?
Under Paragraph 12 of the Employees' Pension Scheme (EPS), 1995, your monthly lifelong pension is determined using the statutory formula based on pensionable salary and eligible service tenure.
Pensionable salary is computed on your 60-month average basic salary (capped at the statutory ceiling of ₹25,000). A minimum of 10 years of eligible service is required to qualify for lifelong monthly pension, with a minimum statutory guarantee of ₹1,000/month.
EPS 1995 Statutory Rules & Guidelines
The Employees' Pension Scheme (EPS) is funded by diverting 8.33% of the employer's statutory provident fund contribution. Key governing rules include:
Membership in the EPS fund strictly ceases at age 58. After 58, the entire 12% employer share diverts into your EPF account, earning interest.
To receive a monthly lifelong pension, an employee must have at least 10 years of cumulative contributory service across employers.
Completing 20 or more years of eligible service entitles members to an extra statutory 2-year bonus added to their pensionable service.
For members retiring during the 5-year transition window, pensionable salary is calculated as a weighted average across legacy (₹15k) and revised (₹25k) ceilings.
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Estimated Monthly Pension (From Age 58)
₹5,357
All calculators, statutory walkthroughs, and regulatory interpretations published on this portal undergo peer review by our Senior Statutory Retainer Panel. Content is audited for exact conformance with the Employees' Provident Funds Act, 1952, EPS Scheme 1995, and official Ministry of Labour & Employment Gazette Notifications (including S.O. 5109(E)).
Independent Advisory Notice: This platform is an independent private compliance and advisory consultancy. We are not affiliated with, endorsed by, or operated by the Employees' Provident Fund Organisation (EPFO), the Ministry of Labour and Employment, or any government authority. Official statutory services, grievance portals, and claim forms are available free of official filing fees directly at epfindia.gov.in.