Estimate your monthly Employees' Pension Scheme pension from your average basic + DA and years of service, with the ₹15,000 ceiling, bonus years, the ₹1,000 floor and the early-pension reduction.
Capped at ₹15,000 unless you opted for pension on higher wages.
Early pension from 50 is reduced 4% for every year before 58.
Estimated monthly pension
₹1,000
0 × 22 ÷ 70
| Pensionable salary | ₹0 |
| Pensionable service | 22 years (incl. 2 bonus years) |
| Minimum pension floor | ₹1,000 |
Estimates only, computed in your browser. Nothing you type is sent to or stored by wHRMS. Confirm figures with your CA or the statutory portal before filing.
Average basic + DA ₹25,000, capped to ₹15,000. Service 22 years and 3 months: 22 years, plus 2 bonus years for crossing 20, gives 24. Pension = 15,000 × 24 ÷ 70 = ₹5,143 a month from age 58. Starting at 55 instead reduces it by 12% to about ₹4,526.
Every month the employer's PF remittance splits into EPF and EPS at the ECR stage: 8.33% of wages up to ₹15,000 to EPS, the balance to EPF. If payroll applies a flat 8.33/3.67 split on full wages, or splits for an employee who joined above the ceiling and is not an EPS member, the ECR is rejected or the member's pension record is wrong for years. That split is one of the checks a payroll system should do per employee, not per company.