How to Calculate EPS-95 Pension at Retirement 2026

About This Guide

EPS-95 (Employees Pension Scheme 1995) pension calculation at age 58. Formula: (Pensionable Salary × Pensionable Service) / 70. Pensionable Salary capped at ₹15,000/month (latest Higher Pension cases up to actual). Pensionable Service: total service. Online EPFO calculator. Minimum ₹1,000/month, max ~₹7,500 (capped) or higher (if higher pension opted).

Eligibility Criteria

• EPF member with EPS contribution
• Age 58 (early option from 50 with reduction)
• Min 10 years service
• Aadhaar mandatory
• UAN active

Documents Required

Keep these documents ready before starting application. Missing documents = delayed approval.

• UAN
• Aadhaar
• PAN
• Bank passbook (Aadhaar-seeded)
• Service record (Form 6A from employer)
• Photo
• Composite Claim Form (CCF)
• EPS Form 10D

Step-by-Step Application Process

Follow these steps in order. Each step is critical - skip none.

Key Benefits

• Online calculation
• Free EPFO calculator
• Higher pension option
• Minimum ₹1,000
• Lifetime monthly pension
• DBT to bank
• Family pension to nominee
• Increased with DA periodic

What Happens After Application?

Form 10D triggers pension. Calculation just for estimation.

Frequently Asked Questions

Related Guides