EPS pension benefit: Basic salary up to Rs 25,000 but no employer EPS contribution? Here’s where to complain

Employees who have started their first job with basic pay of up to Rs 25,000 are eligible for pension benefits under the Employees’ Pension Scheme (EPS), 2026, subject to the applicable eligibility rules. If you are eligible for the EPS and your employer is not making the required EPS contribution to your EPS account, you can take up the matter with your employer, suggest the Employees’ Provident Fund Organisation (EPFO) in a tweet on X (formerly Twitter).

If the issue is not resolved, you can raise a grievance with the EPFO through the EPFiGMS portal, says the EPFO in the tweet.

Who can get EPS pension benefits?

If you have started your first job with wages within the Employees’ Provident Fund (EPF) wage ceiling of Rs 25,000, you are eligible for EPS membership. In such a case, the employer should make the required EPS contribution to your EPS account as per the rules.

What should you do if your employer is not making an EPS contribution?

If you are eligible for the EPS but your employer is not making the required contribution, you should first contact your employer or the Human Resource/payroll department.

Ask the employer to check your EPF and EPS contribution details and confirm whether your membership and contributions have been correctly recorded.

If the employer does not resolve the issue, you can raise a grievance with the EPFO.

How to raise a grievance for non-contribution of EPS by employer

You can file a complaint on the EPFiGMS portal. It is a customised portal of the EPFO where you can register your grievance about the services provided by the EPFO. Here’s how you can file a complaint.

Step 1: Register your grievance online through the official EPFiGMS Portal: https://epfigms.gov.in/

Step 2: Grievance can be lodged by a PF member, an EPS sensioner, or an employer and others

Step 3: Provide your Universal Account Number (UAN) / PF number and select the type of grievance.

Step 4: Attach supporting documents (if required) for faster resolution.

Track the status of your grievance anytime using your reference number.

What happens if the EPS contribution is deducted incorrectly?

The EPFO's employer guidelines say that if there is a wrong or missed EPS deduction, the employer should contact the EPFO for rectification at the earliest.

An incorrect EPS contribution or a missed contribution can create difficulties for the EPS member later, particularly when the pension or other claim is being settled.

What is the wage ceiling under the EPFO?

The wage ceiling under the EPFO is the maximum monthly wage taken into account for determining mandatory EPF, EPS and EDLI coverage under the Code on Social Security, 2020. It has now been revised from Rs 15,000 to Rs 25,000 per month, bringing a large number of employees within the ambit of mandatory coverage, subject to the applicable provisions of the scheme.

Will employees earning between Rs 15,000 and Rs 25,000 become eligible for EPFO coverage?

Yes. The principal effect of the revision is to extend the mandatory coverage threshold from Rs 15,000 to Rs 25,000 per month, bringing eligible employees in this wage range within the expanded statutory coverage. For example, an employee joining today at a monthly wage of Rs 20,000 is currently outside the EPF and EPS systems; under the revised ceiling, such an employee would be required to be enrolled in both, creating a more robust social security safety net for the employee and their family.