{"id":3263,"date":"2018-04-24T02:20:50","date_gmt":"2018-04-23T20:50:50","guid":{"rendered":"https:\/\/www.antworksmoney.com\/blog\/?page_id=3263"},"modified":"2019-09-25T17:52:09","modified_gmt":"2019-09-25T12:22:09","slug":"guide-understanding-employee-pension-scheme","status":"publish","type":"post","link":"https:\/\/www.antworksmoney.com\/blog\/guide-understanding-employee-pension-scheme\/","title":{"rendered":"Guide to Understanding the Employee Pension Scheme"},"content":{"rendered":"<p>As per the latest changes in the Employee Pension Scheme that are effective since 1<sup>st<\/sup>\u00a0September 2014, the\u00a0EPF\u00a0is distributed as 12% of the employee\u2019s salary goes into the EPF account and 12% of the employee&#8217;s salary is divided into 3.67% for EPF, 8.33% for EPS, 0.5% for EDLI 1.1% as EPF admin charges and 0.01% as EDLI Admin charges. The minimum pension under EPS is Rs 1000 and EPF is mandatory for those employees drawing a salary less than Rs 15,000 a month. EDLI cover for each employee has been raised from Rs 1.56 Lakh to Rs 3 Lakh<\/p>\n<h2>Guide to understanding the Employee Pension Scheme (EPS) 1995<\/h2>\n<ul>\n<li>Employees are automatically enrolled into the EPS scheme only if they are members of the EPF scheme.<\/li>\n<li>The central government also contributes to an employee\u2019s EPS along with an employer contribution of 8.33% of the salary. The central government contributes 1.16% of the employee\u2019s salary but salary is considered as basic pay plus daily allowance and is taken as a maximum of Rs 6500<\/li>\n<li>Contributions made to the EPS by the employee does not generate any interest<strong>.<\/strong><\/li>\n<li>Eligible service is calculated in intervals of 6 months. If an employee has had a service of more than 6 months it is rounded to the next year and less than 6 months is rounded to the previous year. For example, if an employee has had a service of 18 years and 8 months, the service is considered as 19 months and if the employee has had a service of 18 years and 4 months, the service is considered as 18 years<\/li>\n<li>Pension received is lifelong and passes on to spouse and two children upon the employee\u2019s death<\/li>\n<li>Employees can receive only pension from EPS and are eligible only after completion of 10 years of service and must have attained the age of 50 years for early pension and 58 years for regular pension<\/li>\n<\/ul>\n<h2>What is the contribution for Employee Pension Scheme?<\/h2>\n<p>12.5% of the basic salary plus dearness allowance of the employee goes towards EPF, according to\u00a0PF\u00a0rules. Given below are the contribution details from the employee and the employer towards EPF, EDLIS and EPS.<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Employee Social Security Scheme<\/strong><\/td>\n<td style=\"text-align: left;\"><strong>Employee Contribution<\/strong><\/td>\n<td style=\"text-align: left;\"><strong>Employer Contribution<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">EPF (Employee Provident Fund)<\/td>\n<td style=\"text-align: left;\">12%<\/td>\n<td style=\"text-align: left;\">3.67%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">EPS (Employees\u2019 Pension Scheme)<\/td>\n<td style=\"text-align: left;\">Nil<\/td>\n<td style=\"text-align: left;\">8.33%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">EDLIS (Employees\u2019 Deposit Linked Insurance)<\/td>\n<td style=\"text-align: left;\">Nil<\/td>\n<td style=\"text-align: left;\">0.5%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">EDLIS administrative charges<\/td>\n<td style=\"text-align: left;\">Nil<\/td>\n<td style=\"text-align: left;\">0.01%<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">EPF administration charges<\/td>\n<td style=\"text-align: left;\">Nil<\/td>\n<td style=\"text-align: left;\">1.1%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Monthly Pension Calculation (Employed after 16\/11\/1995)<\/h2>\n<p>The pension amount for those employed after 16th November, 1995 is calculated as follows:<\/p>\n<p>Pension amount = (Pensionable salary * Service period)\/70<\/p>\n<p>In order to calculate the monthly pension in this case, following points need to be kept in mind:<\/p>\n<ul>\n<li>Pensionable salary is the average income of preceding 60 months. Most employers have a restriction on pension contribution to either Rs.1,250 or 8.33%, whichever is minimum. In these scenarios, the maximum pensionable salary would be Rs.15,000.<\/li>\n<li>Only the basic pay and dearness allowance is considered as salary.<\/li>\n<li>If an <a href=\"https:\/\/www.antworksmoney.com\/blog\/special-allowances-section-10-salaried-employees\/\">employee<\/a> has completed over 20 years of service, then two years should be added as a bonus in the equation. According to the rules, the bonus can be also applied for the service before 16\/11\/1995.<\/li>\n<li>The new rules make it mandatory for the pension to be more than Rs.1,000 per month.<\/li>\n<li>An employee is eligible for a pension after completion of 10 years of service.<\/li>\n<\/ul>\n<h2>Terms and conditions of EPS<\/h2>\n<p>Some of the important terms and conditions of the Employees\u2019 Pension Scheme are:<\/p>\n<ul>\n<li>An employee must complete a minimum of 10 years in service in order to avail pension through EPS.<\/li>\n<li>An employee can only avail pension after he or she turns 50 years old.<\/li>\n<li>An employee cannot have more than one EPF account.<\/li>\n<li>Government contribution towards EPS cannot be more than 1.16% of Rs.15,000. The maximum contribution from the government in a pension account is not more than Rs.174.<\/li>\n<li>The provision for commutation of EPF pension is not available anymore.<\/li>\n<\/ul>\n<h2>Forms Related To Employees\u2019 Pension Scheme (EPS)<\/h2>\n<p>There are various forms that need to be submitted to avail different benefits under EPS. They are:<\/p>\n<table class=\"table table-curved\">\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Form name<\/strong><\/td>\n<td style=\"text-align: left;\"><strong>Filled by<\/strong><\/td>\n<td style=\"text-align: left;\"><strong>Benefit<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Form 10C<\/td>\n<td style=\"text-align: left;\">Beneficiary or member<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">Withdrawal benefit<\/li>\n<li style=\"text-align: left;\">Scheme Certificate<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Form 10D<\/td>\n<td style=\"text-align: left;\">Member<\/td>\n<td style=\"text-align: left;\">\n<ul>\n<li>To avail pension after 58 years of age<\/li>\n<li>To avail pension before 58 years but after turning 50<\/li>\n<li>To avail disability pension<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Form 10D<\/td>\n<td style=\"text-align: left;\">Nominee or widow\/widower or Children<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">To avail nominee or dependant pension<\/li>\n<li style=\"text-align: left;\">To avail family pension<\/li>\n<li style=\"text-align: left;\">To avail children or orphan pension<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Life Certificate<\/td>\n<td style=\"text-align: left;\">Pensioner<\/td>\n<td style=\"text-align: left;\">\n<ul>\n<li>To be submitted by pension beneficiary or children every November<\/li>\n<li>To be submitted to the manager of pension disbursing banks<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\">Non-remarriage Certificate<\/td>\n<td style=\"text-align: left;\">Widower\/widow<\/td>\n<td>\n<ul>\n<li style=\"text-align: left;\">To be submitted by widower every year<\/li>\n<li style=\"text-align: left;\">To be submitted by widow at the beginning of pension<\/li>\n<li style=\"text-align: left;\">To be submitted to the manager of pension disbursing banks<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>As per the latest changes in the Employee Pension Scheme that are effective since 1st\u00a0September 2014, the\u00a0EPF\u00a0is distributed as 12% of the employee\u2019s salary goes into the EPF account and 12% of the employee&#8217;s salary is divided into 3.67% for EPF, 8.33% for EPS, 0.5% for EDLI 1.1% as EPF admin charges and 0.01% as &hellip; <a href=\"https:\/\/www.antworksmoney.com\/blog\/guide-understanding-employee-pension-scheme\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Guide to Understanding the Employee Pension Scheme&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-3263","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.3 - 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