If someone is a salaried person and contributes to EPFO every month, they should know about the Employee Pension Scheme, also called EPS. EPS is the scheme that provides a pension after retirement. The pension is calculated using a specific formula. If you are a salaried person, you should know the maximum pension you can get from EPFO.
EPFO Pension: How It Works
Not everyone gets a pension from EPFO. To get it, you must contribute for at least 10 years. The pension depends on your years of service and contribution.
The formula is:
EPS = Average Salary × Pensionable Service / 70Average salary means basic salary + DA (last 12 months).
Maximum service is 35 years, and maximum salary is ₹15,000. So the maximum pension is ₹7,500 per month. The minimum pension is ₹1,000 per month.
Withdrawing PF for wrong reasons can led to Recovery under EPF Scheme 1952.
Protect your future, use PF only for the right needs. Your PF is your lifelong safety shield!#EPFO #EPFOwithYou #HumHainNa #ईपीएफओ@PMOIndia @narendramodi @LabourMinistry @MIB_India @mansukhmandviya… pic.twitter.com/HMxUpWFair— EPFO (@epfoofficial) September 22, 2025
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Access your important EPFO documents anytime, anywhere:
1️⃣ UAN Card
2️⃣ Pension Payment Order (PPO)
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You can get a pension at 58 years old. Early pension is available from 50, but it reduces by 4% each year before 58.
Every month, 12% of your salary + DA goes to EPF. The employer also pays the same, but 8.33% goes to EPS and 3.67% to EPF.