EPS Pension Scheme 2026 - Eligibility, Calculation Formula, Higher Pension + Form 10D
Verified by SkillUPBihar on 05 Jun 2026
Overview
Key Points:
Official Portal
EPFO (Employees Pension Scheme) - verified link
Complete Guide
EPS Pension Scheme 2026 (EPS-95) - Eligibility, Calculation + Form 10D
Bhaiyon, job karte ho to EPF kategа - par kya pata hai usme ek pension (EPS) bhi chhupa hai? EPS (Employees' Pension Scheme 1995) = tumhari retirement ke baad monthly pension. Employer ke contribution ka 8.33% EPS me jaata hai. 10 saal service poori karo to 58 ki age ke baad lifelong pension milti hai. Ye Bada Bhai guide: EPS kya hai, eligibility, pension kitni milegi (formula), higher pension option + kaise claim karo (Form 10D). EPF members ke liye must-know.
Bada Bhai rule: Agar 10 saal service ke kareeb ho, to job-change pe EPS withdraw mat karo - 10 saal complete hone do, warna lifelong pension ka haq chala jaayega. EPS amount chhota lagta par retirement ka sahara hai.
EPS Pension 2026 - Quick Info
| Detail | Information |
|---|---|
| Kya hai | EPF-linked monthly pension (retirement) |
| Funded by | Employer ke 8.33% contribution |
| Eligibility | 10 saal service + age 58 (pension) |
| Minimum Pension | Rs 1,000/month |
| Formula | Pensionable Salary x Service / 70 |
| Claim Form | Form 10D (EPFO) |
| Check | EPF passbook (EPS column) via UAN |
EPS Eligibility
| Criteria | Requirement |
|---|---|
| EPF Member | Haan (EPS automatic EPF ke saath) |
| Service | 10 saal (continuous hona zaroori nahi) |
| Pension Age | 58 saal (normal); 50-58 early (reduced) |
| UAN | Active hona chahiye |
Service calculation: 6 month se zyada = poora saal gina jaata; 6 month se kam = nahi. 10 saal complete = pension ka haq pakka.
EPS Pension Kitni Milegi (Calculation Formula)
Formula:
Monthly Pension = (Pensionable Salary x Pensionable Service) / 70
- Pensionable Salary = pichle 60 months (5 saal) ki average pensionable salary
- Pensionable Service = total years of service (20+ saal pe +2 saal bonus)
- Minimum pension = Rs 1,000/month (chahe formula kam aaye)
Example (samajhne ke liye): Pensionable salary Rs 15,000 + 30 saal service = (15,000 x 30)/70 = ~Rs 6,428/month pension.
Pensionable salary pe wage ceiling lagti hai (jab tak higher pension na chuna ho) - isliye actual amount formula + ceiling pe depend.
Higher Pension Option (EPS-95)
- Normally EPS pension wage ceiling (limited salary) pe calculate hoti
- Higher pension opt karo to actual (full) salary pe pension - zyada amount
- Employee ko extra contribute nahi karna - employer ke 12% me se 1.16% (ceiling se upar) adjust hota
- Eligible members SC judgment ke baad higher pension apply kar sakte (EPFO portal)
Higher pension se retirement pension kaafi badh sakti - par apni eligibility + numbers EPFO/employer se confirm karo.
EPS Pension Kaise Claim Kare (Form 10D)
- Form 10D download karo (EPFO website / member portal)
- Form bharo - personal + service + bank details
- Agar abhi employed ho to employer ke through submit
- Retired/separated ho to direct EPFO office submit
- UAN + Aadhaar + bank KYC linked hona chahiye
- Approval ke baad monthly pension bank account me (DBT)
Online bhi Form 10D EPFO member portal se file ho sakta (UAN login). KYC complete rakho.
EPS Pension Types
| Type | Kiske Liye |
|---|---|
| Superannuation Pension | 58 ki age + 10 saal service |
| Early Pension | 50-58 age (har saal ~4% reduced) |
| Widow/Widower Pension | Member ke death pe spouse ko |
| Children Pension | 25 saal tak ke bachon ko (2 tak) |
| Disablement Pension | Permanent disability pe |
EPS Balance Kaise Check Kare
- EPF passbook me alag EPS column hota hai (monthly EPS contribution)
- passbook.epfindia.gov.in pe UAN login → passbook
- Detail: PF Balance Check Guide
Scam Warning
- "EPS pension jaldi dila denge fee me" - 100% FRAUD. EPFO koi agent fee nahi leta, OTP nahi maangta.
- Fake "pension" apps/calls - sirf official epfindia.gov.in + EPFO office.
- UAN/password/OTP kisi ko share mat karo.
EPS Pension FAQs
Q: EPS pension ke liye kitni service chahiye? A: 10 saal (continuous hona zaroori nahi) + age 58 (pension). 10 saal se pehle chhodo to pension nahi, sirf EPS amount withdraw.
Q: EPS pension kitni milegi? A: (Pensionable salary x service) / 70. Minimum Rs 1,000/month guaranteed. Example: Rs 15,000 salary x 30 saal /70 = ~Rs 6,428.
Q: Higher pension kya hai? A: Actual (full) salary pe pension (wage ceiling ke bajaye) - zyada amount. Employee ko extra nahi dena, employer ke 12% se adjust.
Q: EPS pension kaise apply kare? A: Form 10D bharo - employed ho to employer se, retired ho to direct EPFO. UAN + bank KYC linked zaroori.
Q: 10 saal se pehle job chhoda to? A: Pension nahi milegi - sirf EPS amount withdraw (Form 10C) kar sakte. Isliye 10 saal ke kareeb ho to complete karo.
Q: EPS balance kaise dekhe? A: EPF passbook me alag EPS column - passbook.epfindia.gov.in pe UAN login se.
Ye Bhi Zaroor Padhein
- Gratuity Calculation 2026 - Formula + Rs 20 Lakh Tax-Free - 5 saal pe gratuity
- PF Balance Check 2026 - UAN/SMS/Missed Call - EPF + EPS balance dekho
- EPF/PF Withdrawal Online 2026 (UAN) - PF nikalne ka process
- NPS Complete Guide 2026 - Extra retirement pension + tax
- Atal Pension Yojana (APY) - Guaranteed Rs 1,000-5,000 pension
- PPF Account Open Online 2026 - Retirement savings (tax-free)
Source: EPFO (epfindia.gov.in), Employees' Pension Scheme 1995. Verified 5 June 2026. Pension amount/higher-pension eligibility EPFO se confirm karo.
Bhai, EPS tumhari EPF me chhupa retirement pension hai - 10 saal service = lifelong sahara. Job-change pe EPS withdraw karne se pehle socho (10 saal ke kareeb ho to mat karo). Higher pension option dekho, Form 10D se claim karo. Sirf official EPFO, koi agent ko fee/OTP mat do.
Paisa samjho, sahi decision lo
Finance tools aur comparisons - sab free hai
Finance Samjho, Aage Badho
Paisa manage karna seekho
Related Finance Articles
EPF Interest 2025-26
EPF interest 2025-26 kab aayega? Rate 8.25% confirmed (0.688% per month). Byaaj passbook mein June-August 2026 ke beech credit hota - delay se koi nuksan nahi (closing balance mein add). PF balance check (passbook/UMANG/SMS/missed call) - sab yahan.
Banking & Finance143(1) Intimation 2026
ITR ke baad income tax 143(1) intimation aaya? Ghabrao mat - ye normal hai (har ITR par aata). Isme department ki calculation aapki se match karke 3 result deta: nil (sab theek), refund, ya demand. Password = PAN+DOB. Kya kare, kaise jawab - sab yahan.
Banking & FinanceITR Last Date 2026
ITR last date 2026 (AY 2026-27) salaried ke liye 31 July 2026. Miss ho gayi to belated return 31 December tak (late fee 234F Rs 1,000/5,000 + 1% per month interest). Audit cases 31 Oct. Deadline, penalty, belated + ITR-U process - sab yahan.