EPFO Pension Kya Hai? Puri Jankari Hindi Mein
Agar aap private sector mein job karte hain, to aapne kabhi na kabhi EPFO ya PF ke baare mein zarur suna hoga. Lekin kya aap jaante hain ki EPFO ke saath ek pension scheme bhi judi hui hai? Jee haan, jise Employees’ Pension Scheme (EPS) kehte hain. Yeh scheme aapke retirement ke baad financial security provide karti hai. Aayiye isse simple tarike se samajhte hain.
EPFO Pension (EPS) Kya Hai?
Employees’ Pension Scheme (EPS) ek social security scheme hai jo Employees’ Provident Fund Organisation (EPFO) dwara chalai jaati hai. Yeh scheme 19 November 1995 ko shuru ki gayi thi aur organized sector ke employees ko retirement ke baad monthly pension dene ke liye banayi gayi hai.
Isko samajhne ka sabse aasan tarika yeh hai ki jab aap job karte hain, to aapka employer har mahine aapke account mein kuch paisa contribute karta hai. Yeh paisa aapke EPF account ke saath-saath EPS pension fund mein bhi jaata hai. Retirement ke baad yeh scheme aapko regular monthly income deti hai taaki aapki financial needs puri ho sakein.
EPS Mein Kitna Contribution Hota Hai?
Yeh samajhna important hai ki aapke salary se kitna paisa pension ke liye jata hai:
Employee ka Contribution: Aap khud kuch bhi directly pension fund mein nahi dete. Aapka pura 12% EPF mein hi jaata hai.
Employer ka Contribution: Aapka employer bhi aapki basic salary + DA ka 12% deta hai. Lekin isme se:
- 8.33% EPS pension fund mein jaata hai
- 3.67% EPF account mein jaata hai
- Pension ke liye maximum contribution ₹1,250 per month tak hi hota hai (₹15,000 ki salary par 8.33%)
Government ka Contribution: Central Government bhi pension fund mein 1.16% contribute karti hai.
EPS Pension Ke Liye Eligibility – Kaun Le Sakta Hai?
Pension claim karne ke liye kuch conditions hain jo aapko puri karni hoti hain:
Minimum Service: Aapko kam se kam 10 saal tak job karni hogi aur EPS mein contribution karna hoga.
Retirement Age: Normal pension 58 saal ki umar mein milti hai.
Early Pension: Agar aap 50 se 58 saal ke beech mein pension lena chahte hain to le sakte hain, lekin yeh reduced amount mein milegi.
EPFO Member: Aapko EPFO ka registered member hona chahiye.
Salary Limit: EPS ka benefit un employees ko milta hai jinki basic salary + DA ₹15,000 per month tak hai. Is limit se zyada kamaane wale bhi ab higher pension option le sakte hain.
Pension Kitni Milegi? EPS Calculation Formula
Yeh sabse important sawal hai – aapko kitni pension milegi? Iska ek simple formula hai:
Monthly Pension = (Pensionable Salary × Pensionable Service) ÷ 70
Pensionable Salary: Retirement se pehle last 60 months (5 saal) ki average basic salary + DA. Maximum ₹15,000 tak hi consider hota hai.
Pensionable Service: Aapne kitne saal kaam kiya, woh period.
Example: Maan lijiye aapki last 5 saal ki average salary ₹15,000 thi aur aapne 25 saal kaam kiya:
- Pension = (15,000 × 25) ÷ 70
- Monthly Pension = ₹5,357 approx
Minimum Pension: Sabse kam pension ₹1,000 per month guarantee hai. Agar calculation mein kam bane to bhi ₹1,000 milega.
Lekin 2025 mein government ne minimum pension badhane ka proposal diya hai – ₹2,500 se ₹7,500 tak.
EPS Ke Fayde – Benefits
EPS scheme ke kaafi saare benefits hain:
Lifetime Pension: Retirement ke baad poori life pension milti rahegi.
Widow/Widower Pension: Agar pensioner ki death ho jaaye to uski patni ya pati ko pension milti rahegi – death ya remarriage tak. Yeh widow pension original pension ka 50% hota hai.
Children Pension: Widow pension ke saath bachon ko bhi pension milti hai – 25% of widow pension. Yeh benefit 25 saal ki age tak milta hai. Maximum 2 bachon ko ek time par milta hai.
Orphan Pension: Agar dono parents nahi rahe to bachon ko 75% of widow pension milta hai as orphan pension.
Disability Pension: Agar koi employee job ke dauran permanently disabled ho jaaye to bina 10 saal complete kiye pension mil sakti hai. Bas 1 month ka contribution hona chahiye.
Dependent Parents Pension: Agar member unmarried tha ya divorced tha to dependent father/mother ko pension milti hai.
Transfer Facility: Job change karne par pension transferable hai.
EPS Pension Kab Aur Kaise Milegi?
Normal Pension (58 years): 58 saal ki age mein Form 10D fill karke pension claim kar sakte hain.
Early Pension (50-58 years): 50 saal se 58 saal ke beech pension le sakte hain lekin har saal ke liye 4% reduction hoga. Example: 56 saal mein lete hain to 8% kam milegi (2 years × 4%).
Deferred Pension (58-60 years): Agar 58 ke baad 2 saal tak pension nahi lete to har saal 4% extra milega – maximum 60 saal tak.
EPS Pension Withdrawal – Kaise Nikale?
Pension withdrawal ki process simple hai:
10 Saal Se Kam Service:
- Agar aapne 10 saal se kam kaam kiya aur 2 months se zyada unemployed hain to Form 10C bharke EPS amount withdraw kar sakte hain.
10 Saal Se Zyada Service:
- Pension withdraw nahi kar sakte. Scheme Certificate milega.
- 58 saal ki age mein Form 10D bharke monthly pension claim karni hogi.
Online Process:
- EPFO Unified Portal par login karein (UAN se)
- ‘Online Services’ → ‘Claim (Form 10D)’ select karein
- Member details aur bank account verify karein
- Form submit karein with Aadhaar OTP
- Approval ke baad pension bank account mein aayegi
Required Documents: Aadhaar card, PAN card, bank details, Form 10D, employment proof.
EPF vs EPS – Kya Antar Hai?
Bahut log EPF aur EPS ko same samajhte hain, lekin dono alag hain:
| Feature | EPF | EPS |
| Purpose | Retirement savings | Monthly pension |
| Employee Contribution | 12% salary | Nil |
| Employer Contribution | 3.67% salary | 8.33% salary |
| Benefit | Lump sum amount | Monthly income |
| Interest | 8.25% annually (FY 2023-24) | No interest |
| Withdrawal | Full/partial withdrawal allowed | Only after 58 years as pension |
| Tax Benefits | Section 80C deduction | Pension may be taxable |
Higher Pension Scheme – Zyada Pension Kaise Le?
Supreme Court ke 2022 ke decision ke baad, employees ko higher pension ka option mila hai. Agar aapki actual salary ₹15,000 se zyada thi aur aap higher contribution kar rahe the, to aap higher pension claim kar sakte hain.
Eligibility:
- September 1, 2014 se pehle se EPS member ho
- Actual salary par contribution kiya ho
Formula: Same rahega lekin actual salary (₹15,000 se zyada) consider hogi.
2025 Mein Kya Naye Badlaav Hain?
EPFO ne 2025 mein kaafi important changes kiye hain:
Minimum Pension Hike: Government ne minimum pension ₹1,000 se badhake ₹7,500 per month karne ka proposal pass kiya hai. Yeh April-May 2025 se implement hone ki expectation hai. Kuch reports ₹2,500 bhi bata rahi hain.
Salary Ceiling Increase: EPS eligibility limit ₹15,000 se badhake ₹21,000 ya ₹25,000 karne ki planning hai.
Digital Services: Pension ab fully digital ho gayi hai. Online application, Centralized Pension Payment System (CPPS) se kisi bhi bank se pension mil sakti hai.
36 Months Waiting: Naye rules mein EPS withdrawal ke liye 36 months (3 years) ka minimum waiting period hai instead of 2 months.
EPS Statistics – Kitne Log Use Kar Rahe Hain?
EPFO ke latest data ke according:
- Total EPS members: 5.38 crore (as on March 31, 2025)
- Total pensioners: 81.48 lakh (as on March 31, 2025)
- Pensioners getting less than ₹1,500: 49.15 lakh
- Pensioners getting less than ₹6,000: 80.94 lakh
- Total pension fund corpus: ₹9.92 lakh crore
- Government support for minimum pension: ₹957 crore in FY24
Year-wise pensioners increase:
- 2019-20: 66.82 lakh
- 2020-21: 69.19 lakh
- 2021-22: 72.73 lakh
- 2022-23: 75.58 lakh
- 2023-24: 78.49 lakh
Important Points Yaad Rakhein
Automatic Enrollment: Agar aap EPF member hain to automatically EPS member bhi ban jaate hain.
No Tax on Contribution: Employer ka EPS contribution tax-free hai.
Pension Taxable: Lekin pension amount aapki income tax slab ke according taxable ho sakta hai.
UAN Linking Mandatory: Pension ke liye UAN (Universal Account Number) ko Aadhaar, PAN aur bank account se link karna zaroori hai.
KYC Update: Apna KYC regularly update rakhein taaki pension mein koi problem na ho.
Transferable: Job change karne par EPS transferable hai, naya account kholne ki zaroorat nahi.
Frequently Asked Questions (FAQs)
Q1: Kya main 10 saal se pehle pension le sakta hoon?
Nahi, pension ke liye minimum 10 saal service zaroori hai. Kam service par aap EPS amount withdraw kar sakte hain (Form 10C se).
Q2: Kya pension meri widow ko milegi?
Haan, widow/widower pension lifetime milti hai ya remarriage tak. Yeh original pension ka 50% hoti hai.
Q3: EPF aur EPS mein kya fark hai?
EPF ek savings scheme hai jo lump sum amount deti hai. EPS pension scheme hai jo monthly income deti hai.
Q4: Minimum pension kitni guarantee hai?
Currently ₹1,000 per month minimum guarantee hai. 2025 mein ise ₹7,500 karne ka proposal hai.
Q5: Kya higher pension option available hai?
Haan, Supreme Court decision ke baad jo employees actual salary par contribute kar rahe the, wo higher pension claim kar sakte hain.
Q6: EPS ka paisa kahan invest hota hai?
EPFO pension fund ko safely invest karta hai aur total corpus ₹9.92 lakh crore hai.
Conclusion – Nishkarsh
EPFO Pension Scheme (EPS) ek bahut hi important retirement benefit hai jo private sector employees ko financial security deta hai. Yeh scheme ensure karti hai ki retirement ke baad bhi aapko regular monthly income mile. 10 saal ki minimum service ke baad aap lifetime pension ke hakdaar ban jaate hain.
2025 mein hone wale changes jaise minimum pension hike aur digital facilities se yeh scheme aur bhi beneficial ho rahi hai. Agar aap EPS member hain to apni details regular check karte rahein, KYC update rakhein aur time par pension claim karein.
Retirement planning mein EPS ek strong pillar hai jo aapko aur aapke family ko future mein financial support deta hai.