What is EPS 95?
आजकल हर employee के मन में यह सवाल रहता है कि retirement ke baad financial security kaise hogi। India में employees के लिए सबसे बड़ा support system है Employees’ Pension Scheme 1995 (EPS 95)। यह scheme EPFO (Employees’ Provident Fund Organisation) द्वारा चलाई जाती है और इसका मकसद है employees और unorganised workers को future में pension provide करना।
What is EPS 95?
EPS 95 (Employees’ Pension Scheme 1995) एक social security scheme है जिसे Government of India ने introduce किया था ताकि private और organised sector के employees को retirement के बाद monthly pension मिल सके।
यह scheme automatically start हो जाती है जब employee EPF (Employees’ Provident Fund) में contribute करता है। EPF contribution का एक हिस्सा EPS account में जाता है।
👉 Simple words में: EPS 95 = आपकी pension की guarantee after retirement.
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EPS 95: Eligibility Criteria for Employees 2025
अगर कोई employee EPS 95 pension लेना चाहता है तो उसे कुछ basic eligibility criteria fulfill करने पड़ते हैं। 2025 में updated rules के हिसाब से ये conditions लागू हैं:
1. Age Requirement
- Minimum age for pension: 50 years (early pension with reduced amount)
- Full pension age: 58 years
2. Service Years Requirement
- Minimum service: 10 years (completed service)
- अगर किसी employee का 10 years service complete नहीं हुआ तो pension का फायदा नहीं मिलेगा, उसे सिर्फ EPF withdrawal मिलता है।
3. Contribution Requirement
- Employer contributes 8.33% of employee’s salary (Basic + DA) to EPS account.
- Maximum pensionable salary considered = ₹15,000 per month (as per current rule in 2025)।
4. Types of Pensions Under EPS 95
- Superannuation Pension – मिलता है जब employee 58 ki age pe retire hota hai.
- Early Pension – age 50 to 57 years, लेकिन reduced rate pe.
- Disability Pension – अगर employee working period mein disable ho jaye.
- Family Pension – death ke case mein family members ko मिलती है।
EPS 95 Contribution Rules
Employer contribution:
- 12% of employee salary employer ke taraf se EPF mein जाता है।
- इसमें से 8.33% salary (on max ₹15,000) EPS account mein shift hota hai।
- बाकी amount EPF account mein रहता hai.
Example:
अगर किसी employee ki salary ₹15,000 hai
- Employer contribution → 12% = ₹1800
- इसमें से EPS ke liye 8.33% = ₹1250 approx goes to EPS
- Baaki EPF mein credit ho jaata hai।
EPS 95 Pension Calculation Formula
EPS 95 pension calculation ka formula 2025 तक वही है:
👉 Pension = (Pensionable Salary × Pensionable Service) ÷ 70
- Pensionable Salary = Average of last 60 months salary (Basic + DA)
- Pensionable Service = Number of years of service (rounded up to nearest year)
Example:
अगर किसी employee ka
- Pensionable salary = ₹15,000
- Service years = 20 years
तो pension = (15000 × 20) ÷ 70 = ₹4285 per month (approx).
EPS 95 Benefits for Employees (2025)
- Lifetime Pension Guarantee – After retirement, employee ko fixed income milti जब तक वो alive hai.
- Family Security – अगर employee ki death हो जाए तो family को भी pension मिलता hai.
- Disability Support – अगर service time mein disability हो तो भी pension benefit hai.
- Government Backed Scheme – 100% govt support, zero risk.
- Easy Process – EPF account ke saath automatic enrollment.
Latest Updates in EPS 95 (2025)
2025 mein EPS 95 ko लेकर कुछ important बातें सामने आई हैं:
- EPFO Supreme Court judgement ke baad high pension option allow कर रहा hai, jisme employees pension calculation real salary pe based hogi, not just ₹15,000 cap.
- Online application ke through employees apna EPS pension claim kar सकते हैं।
- Digital life certificate facility (Jeevan Pramaan) available hai.
EPS 95: Documents Required to Claim Pension
जब employee retire होता hai, usse कुछ documents submit karne hote hain to claim EPS 95 pension:
- Form 10D (for pension claim)
- Aadhaar Card & PAN Card
- Bank Passbook / Account details
- Salary slips & EPF records
- Jeevan Pramaan (Life Certificate annually)
FAQs on EPS 95
Q1: EPS 95 pension minimum kitna milta hai?
👉 Minimum ₹1000 per month pension guaranteed hai.
Q2: Agar 10 years service complete nahi hui to kya hoga?
👉 Aapko pension ka लाभ nahi milega, sirf EPF withdrawal milega.
Q3: EPS 95 high pension kya hai?
👉 High pension option mein pension calculation real basic salary pe hota hai, ₹15,000 cap remove ho jaata hai.
Q4: Pension kab start hoti hai?
👉 Expected retirement age (58 years), aur early pension option age 50 se start hota hai.
Conclusion
So, अब आप समझ गए होंगे What is EPS 95? Eligibility criteria for employees 2025 और यह scheme employees के future ke liye कितनी valuable है। EPS 95 सिर्फ retirement ke baad ek pension scheme hi nahi, बल्की एक complete social security support system है जो employee aur unki family ko lifetime financial security deta hai।
अगर आप अभी job कर रहे हैं तो apne EPF aur EPS contribution regularly check करते रहें और ensure करें कि aapka pensionable service complete ho rahe hai.
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