EPS pension on ₹25,000 salary: How much can you get at 50, 58 and 60?
1/6
Early and deferred retirement rules for EPS pensioners
Under the EPS 2026 scheme, an eligible member can opt for an early pension before the superannuation age of 58, but not before 50 years of age. The pension is reduced by 4% for every year the member is younger than 58.
A member who reaches 58 and is eligible for a pension can also defer drawing the pension, but only up to 60 years. The pension increases by 4% for every completed year after 58. If the member continues working at 58 and opts for deferred pension, EPS contributions can continue until 60.
A member who reaches 58 and is eligible for a pension can also defer drawing the pension, but only up to 60 years. The pension increases by 4% for every completed year after 58. If the member continues working at 58 and opts for deferred pension, EPS contributions can continue until 60.
2/6
How early or deferred EPS pension options work for EPS members
The EPFO's EPS pension manual published in November 2024 explains how pension is calculated when an eligible member chooses early retirement.
3/6
EPS pension before 58: How much pension will you get?
The EPS 2026 pension scheme shows the pension payable at different ages as a percentage of the pension available at the superannuation age of 58. This means that an EPS member drawing pension before the superannuation age receives a lower pension than the amount payable at 58.
Amazon Top Deals
POWERED BY
4/6
EPS pension with Rs 25,000 pensionable salary and 25 years of service
Under the EPS 2026 rules, once a member completes 20 years of pensionable service, two additional years are added as a bonus. Therefore, 25 years of pensionable service will be treated as 27 years for this calculation.
Assuming a pensionable salary of Rs 25,000, based on the 60-month average salary before exiting the EPS fund: EPS pension = (Rs 25,000 × 27) / 70 = Rs 9,643. The estimated monthly pension at the superannuation age of 58 is therefore Rs 9,643.
Assuming a pensionable salary of Rs 25,000, based on the 60-month average salary before exiting the EPS fund: EPS pension = (Rs 25,000 × 27) / 70 = Rs 9,643. The estimated monthly pension at the superannuation age of 58 is therefore Rs 9,643.
5/6
EPS pension calculator: Check pension at 50, 55, 58 and 60
How much would the pension change if the same employee retires early or defers pension beyond 58? The calculation assumes Rs 25,000 pensionable salary and 25 years of service, with the applicable 4% reduction or increase for early or deferred pension.
So, with the pensionable salary at the Rs 25,000 wage ceiling and 25 years of service:
● Retirement at 50: approximately Rs 6,953/month
● Retirement at 55: approximately Rs 8,534/month
● Retirement at 58: approximately Rs 9,643/month
● Deferred pension at 60: approximately Rs 10,414/month
So, with the pensionable salary at the Rs 25,000 wage ceiling and 25 years of service:
● Retirement at 50: approximately Rs 6,953/month
● Retirement at 55: approximately Rs 8,534/month
● Retirement at 58: approximately Rs 9,643/month
● Deferred pension at 60: approximately Rs 10,414/month
6/6
Can you get 50% of the Rs 25,000 wage ceiling?
With 33 years of pensionable service and a pensionable salary of Rs 25,000, the estimated EPS pension would be Rs 12,500 per month. This is equal to 50% of the Rs 25,000 EPF wage ceiling.