🧮 Pension Calculation Experts

Calculate Your EPS Monthly Pension Accurately

Understand how your monthly pension under EPS is calculated. Get expert help to verify pensionable service, salary, and ensure you receive the correct amount.

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Your Monthly Pension Amount

About EPS Pension Calculation

The Employees' Pension Scheme (EPS), 1995 provides a monthly pension to members after retirement or in case of disability. The pension amount is calculated using a standard formula: (Pensionable Salary × Pensionable Service) ÷ 70. However, there are nuances: service is capped at 35 years, pensionable salary is limited to ₹15,000 (or higher if opted under the 2014 scheme), and actual contributions may affect eligibility. Our experts help you compute your expected pension, verify your service history, and ensure your pension claim is accurate.

📌 Key Formula:
Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70
Where:
• Pensionable Salary = Average of last 60 months' salary (capped at ₹15,000)
• Pensionable Service = Total years of service under EPS (max 35 years)

Factors That Affect Your Pension

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Pensionable Service

Total years of service under EPS (minimum 10 years for pension). Maximum considered is 35 years, even if you served longer.

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Pensionable Salary

Average of last 60 months' basic + DA. Capped at ₹15,000 for most members (higher if you opted under the 2014 amendment).

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Transfer of Service

All previous employments must be transferred to current UAN to count service. Missing periods reduce pension.

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Age at Retirement

Normal pension age is 58. Early pension (from 50) has reduction factor; deferred pension (after 58) gets increase.

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Family Pension

After your death, spouse gets 50% of your pension; children get additional 25% each (capped).

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Commutation

You can commute up to 1/3rd of pension for a lump sum, reducing monthly amount.

EPS Pension Calculator

Pensionable Service (years) Total years of EPS service (max 35)

Pensionable Salary (₹) Average of last 60 months' basic+DA (capped at ₹15,000 unless opted for higher)

Retirement Age (if early/deferred)

Estimated Monthly Pension

₹0

*This is an estimate based on standard formula. Actual pension may vary based on exact records.

Formula: (Pensionable Salary × Pensionable Service) ÷ 70
Example: (₹15,000 × 30) ÷ 70 = ₹6,428.57 per month

Our Pension Calculation & Verification Process

Service History Audit

Review all past employments, transfer records, and ensure total service is correctly recorded.

Salary Verification

Calculate average pensionable salary from last 60 months of employment.

Pension Computation

Apply EPS formula to compute expected monthly pension at retirement age.

Discrepancy Resolution

If service or salary is underreported, we help correct records with EPFO.

Claim Filing & Confirmation

Assist in filing Form 10D (pension claim) and ensure first pension is credited correctly.

Why Your Pension May Be Lower Than Expected

❌ Missing service from previous employers

❌ Pensionable salary capped at ₹15,000 (if not opted for higher)

❌ Service not transferred/consolidated

❌ Incorrect date of birth or service dates

❌ Early pension taken with reduction factor

❌ Employer under-reported wages

We help identify and fix these issues to maximize your pension.

Frequently Asked Questions on Pension Calculation

What is the minimum service required for monthly pension? ▼

You need at least 10 years of qualifying service under EPS to be eligible for monthly pension. If service is less than 10 years, you can withdraw your pension contribution (Form 10C) or take a scheme certificate.

Is pensionable salary really capped at ₹15,000? ▼

For most members, yes. However, if you were a member before September 2014 and opted for higher pension under the Supreme Court ruling, your pension may be calculated on actual salary. We help determine your eligibility.

How does early pension affect the amount? ▼

Pension taken before 58 years is reduced by 4% for each year less than 58. At age 50, you get 68% of the normal pension. Deferred pension after 58 gets 4% increase per year up to 60 years.

What if my service record is incomplete? ▼

Missing service reduces pension. We help consolidate all past employments, file transfer requests, and correct service history to ensure every year counts.

Can I get a revised pension if I discover errors later? ▼

Yes, if there are errors in service or salary, you can file a grievance with EPFO to revise your pension. We assist in gathering evidence and filing the revision request.

Unsure About Your Pension Calculation? Get Expert Help

Our experts will verify your service history, calculate your correct pension, and help you claim what you deserve.

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✉️ support@fogsconsultants.com

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