Employees' Deposit Linked Insurance (EDLI) Guide
Comprehensive breakdown of the EDLI Scheme 1976 life insurance benefit, minimum ₹2.5L assurance condition, and maximum ₹7L payout cap.
EDLI Scheme 1976 Life Insurance
EDLI Life Insurance Assurance Calculator
EDLI coverage — subject to applicable EDLI rules and eligibility. Paid by employer (0.50% rate). Max ₹7 Lakhs payout.
Verified Statutory Rule| EDLI Life Assurance Benefit
Source: EPFO EDLI Notification Gazette S.O. 1700(E) (Verified 2026-09-17)
Capped at ₹15,000 for EDLI formula
50% bonus capped at ₹1.75 Lakhs
≥12 months qualifies for ₹2.5L min assurance
Calculated EDLI Life Assurance Benefit
CALCULATED₹6,00,000
Base Formula (35 × ₹15,000):₹5,25,000
EPF Average Balance 50% Bonus:₹75,000
Minimum Assurance Protection (12-Mo Continuous Service):Active (Min ₹2,50,000)
Note: EDLI benefit is payable to registered nominees/legal heirs upon employee death while in active service. Zero employee salary deduction is made for EDLI insurance.
Frequently Asked Questions (Fact-Checked)
EPF (Employee Provident Fund) is a statutory savings scheme. The employee contributes 12% of Basic + DA, and the employer matches 12% (split into 8.33% EPS up to the pensionable ceiling, and 3.67% to EPF).
Official Source: EPF Scheme 1952 Section 29