EPF Passbook 8.25% Interest & EPS-95 Monthly Pension Calculator

Calculate employee and employer provident fund contributions compounded at EPFO's 8.25% sovereign interest rate and estimate your lifelong monthly pension under EPS-95 based on pensionable service.

Interactive EPF Passbook 8.25% Interest & EPS-95 Monthly Pension Calculator
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Formula & Calculation Methodology

EPF = 8.25% annual compounding on monthly running balance. EPS Pension = (Pensionable Salary * Service Years) / 70.

Step-by-Step Worked Example

Basic + DA: ₹30,000 | Service Years: 25 Years

  1. Employee Monthly EPF (12%): ₹3,600
  2. Employer Monthly EPS (8.33% capped at ₹15k): ₹1,250
  3. Employer Monthly EPF Balance: ₹2,350
  4. Lifelong EPS-95 Monthly Pension at Age 58: ₹5,357 / month
Result: Monthly Employee EPF: ₹3,600 | Monthly Lifelong EPS Pension: ₹5,357 / mo

Frequently Asked Questions

What is the minimum service required to receive EPS pension?

An employee must complete at least 10 years of eligible contributory service to qualify for lifelong monthly pension under the Employees Pension Scheme (EPS-95).

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