Are You Wondering About EPS 95 minimum pension 2025? Let me tell You The EPS 95 Pension Scheme, also known as the Employee Pension Scheme 1995, is a pension program in India managed by the Employees’ Provident Fund Organization (EPFO). It was started on November 19, 1995 to give monthly pension to workers after they retire.
This pension is meant for people who work in the organized sector (like offices, companies, factories). The goal is to help workers live a peaceful life after the age of 58, with regular income.
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EPS 95 Minimum Pension 2025
The EPS 95 minimum pension 2025 remains ₹1,000 per month. This is the lowest amount that any eligible pensioner can get under this scheme. The government fixed this amount in 2014, and even in 2025, the same limit continues.
There were rumors about increasing this pension to ₹7,500, but the EPFO has officially said no such decision has been taken yet. However, many workers’ unions are still demanding that the minimum pension be raised to ₹2,000 or more.
Overview Table of EPS 95 Minimum Pension Scheme
| Feature | Details |
|---|---|
| Launched on | 19 November 1995 |
| Minimum Pension | ₹1,000 per month |
| Managing Authority | EPFO |
| Retirement Age | 58 years |
| Minimum Service | 10 years |
| Government Support | 1.16% of employee’s wage |
| Employer’s EPS Share | 8.33% of salary |
| Salary Limit for EPS | ₹15,000/month |
Benefits of EPS 95 Pension Scheme
- Regular income after retirement
- Disability pension for life
- Family pension in case of death
- Easy withdrawal option if not eligible
- Guaranteed minimum ₹1,000 pension
- Additional service credit of 2 years after 20 years of service
Latest News on EPS 95 Pension in 2025
- Supreme Court ruled that higher pensions can be calculated on actual salary instead of ₹15,000 limit.
- Over 17.5 lakh employees applied for higher pensions.
- Government allowed the employer’s contribution to be used for the extra 1.16% required for higher pension.
- Deadline for applying for higher pension was June 26, 2023.
- As of 2025, the minimum pension is not raised, despite many demands.
Eligibility for EPS 95 Pension
To receive the eps 95 minimum pension 2025, a person must meet the following:
- Be a member of EPFO
- Complete at least 10 years of service
- Reach the age of 58 years for full pension
- If retiring at 60, they get 4% more per year
- Can also withdraw if unemployed for 2+ months after working 6+ months
- Disabled persons can get pension even without completing service period
- Family members get pension if the employee passes away during service
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How EPS 95 Pension is Calculated?
The formula for calculating monthly pension is:
Monthly Pension = (Pensionable Salary × Pensionable Service) / 70
Pensionable Salary:
It is the average salary of the last 60 months (5 years) before leaving the job.
Pensionable Service:
This is the total number of years the employee has worked and contributed to EPS. If the employee worked more than 6 months, it is rounded up to 1 year.
Example:
| Detail | Amount |
|---|---|
| Pensionable Salary | ₹12,000 |
| Pensionable Service | 25 years |
| Monthly Pension | (12,000 × 25)/70 = ₹4,285.71 |
But if calculated amount is less than ₹1,000, the person will still get ₹1,000 minimum pension.
EPS 95 Minimum Pension Table 2025
| Years of Service | Pensionable Salary | Approx Monthly Pension |
|---|---|---|
| 10 years | ₹10,000 | ₹1,428 |
| 15 years | ₹12,000 | ₹2,571 |
| 25 years | ₹12,000 | ₹4,286 |
| 30 years | ₹15,000 | ₹6,428 |
| Minimum Fixed | Any | ₹1,000 (if less) |
EPS 95 Rules in 2025
- Employees earning ₹15,000 or less must join EPS
- Contribution deadline is within 15 days after each month ends
- Family gets pension if employee dies in service or after retirement
- Form 10C is used to withdraw if service < 10 years
- Form 10D is for monthly pension after 50 years
- Life Certificate must be submitted every year
- Widow must submit Non-Remarriage Certificate
- Transfer of pension is possible using Form 11 and Form 13
Family Pension under EPS 95
| Who Gets Pension? | Details |
|---|---|
| Spouse | Until remarriage |
| Children | Till 25 years of age |
| Disabled Children | For lifetime |
| Nominee | If no family member is alive |
Conclusion
The EPS 95 minimum pension 2025 plays a very important role for workers who retire with low savings. Even though ₹1,000 per month is not enough for today’s living costs, it still gives some help to poor or middle-class pensioners.
Many people and workers’ unions are demanding a raise in this pension to ₹2,000 or more. The government has not accepted this yet, but discussions are going on.
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