EPS-95 Pension & Service Calculator
Accounts for pensionable service duration, 20-year service bonus (+2 bonus years), statutory EPS salary cap (₹15,000), and early/deferred pension factors.
Employees' Pension Scheme 1995 Engine
EPS Pension & Service Calculator
Accounts for 20-year bonus, early/deferred pension factor, and statutory EPS salary cap.
Verified Statutory Rule| EPS-95 Pension Formula
Source: EPS Scheme 1995 Paragraph 12 (Verified 2026-09-17)
₹
50 (Early)58 (Standard)60 (Deferred)
Days without EPF contribution
Service Summary & Bonus
CALCULATEDActual Pensionable Service22 Years (264 Months)
20-Year Bonus Active: +2 years added to pensionable service!
Adjusted Pensionable Service24 Years
Estimated Monthly EPS Pension
CALCULATED₹5,143 / month
Age Adjustment: 0% (SUPERANNUATION)
Statutory EPS Pensionable Salary Base: ₹15,000 (Capped at ₹15,000)
Important EPS Pensionable Salary NoteCalculation uses statutory EPS pensionable salary cap of ₹15,000. The 17 September 2026 EPFO ₹25,000 coverage ceiling change does not automatically modify EPS pensionable salary unless officially notified.EPS pensionable salary is governed by separate EPS provisions.
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