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		<title>EPS-95 Pension Hike Unlikely: Fund Under &#8216;Actuarial Deficit&#8217; Stress</title>
		<link>https://www.rightsofemployees.com/eps-95-pension-hike-unlikely-fund-under-actuarial-deficit-stress/</link>
		
		<dc:creator><![CDATA[Chandani]]></dc:creator>
		<pubDate>Tue, 02 Dec 2025 16:23:23 +0000</pubDate>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[: Increase in pension]]></category>
		<category><![CDATA[Actuarial Deficit]]></category>
		<category><![CDATA[EPFO]]></category>
		<category><![CDATA[EPFO Higher Pension]]></category>
		<category><![CDATA[EPS-95 Pension]]></category>
		<category><![CDATA[Minimum Pension Hike]]></category>
		<category><![CDATA[PM Modi]]></category>
		<category><![CDATA[social security]]></category>
		<guid isPermaLink="false">https://www.rightsofemployees.com/?p=49334</guid>

					<description><![CDATA[<p>This is a massive financial and political development for nearly 80 lakh EPS pensioners. The government has essentially put a financial freeze on demands for higher benefits. Also read &#124;WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026. Here is the raw breakdown of the Minister&#8217;s reply in the Lok Sabha: EPS-95 Pension [&#8230;]</p>
<p>The post <a href="https://www.rightsofemployees.com/eps-95-pension-hike-unlikely-fund-under-actuarial-deficit-stress/">EPS-95 Pension Hike Unlikely: Fund Under ‘Actuarial Deficit’ Stress</a> first appeared on <a href="https://www.rightsofemployees.com">Rightsofemployees.com</a>.</p>]]></description>
										<content:encoded><![CDATA[<p data-path-to-node="0">This is a massive financial and political development for nearly 80 lakh <a href="https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/EPS95.pdf">EPS</a> pensioners. The government has essentially put a financial freeze on demands for higher benefits.</p>
<p style="text-align: center;" data-path-to-node="0">Also read |<a title="WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026." href="https://www.rightsofemployees.com/whatsapp-sim-binding-web-logouts-every-6-hrs-from-feb-2026/" rel="bookmark">WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.</a></p>
<p data-path-to-node="1">Here is the raw breakdown of the Minister&#8217;s reply in the Lok Sabha:</p>
<h4><strong><a href="https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/EPS95.pdf">EPS-95</a> Pension Hike Unlikely: Fund Under &#8216;Actuarial Deficit&#8217; Stress</strong></h4>
<p data-path-to-node="4"><span class="citation-71">The government just shut down the pensioners&#8217; long-standing demand for raising the minimum pension from </span><b><span class="citation-71">₹1,000 to ₹7,500</span></b><span class="citation-71 citation-end-71">—at least for the near future.</span> MP Balya Mama Suresh Gopinath Mhatre asked the question. The Minister gave the answer.</p>
<p style="text-align: center;" data-path-to-node="4">Also read |<a title="WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026." href="https://www.rightsofemployees.com/whatsapp-sim-binding-web-logouts-every-6-hrs-from-feb-2026/" rel="bookmark">WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.</a></p>
<h3><b>The Financial Reality (Why No Hike)</b></h3>
<ul data-path-to-node="6">
<li>
<p data-path-to-node="6,0,0"><b><span class="citation-70">Actuarial Deficit:</span></b><span class="citation-70 citation-end-70"> Minister Karandlaje confirmed the fund is under &#8220;actuarial stress.&#8221;</span> <span class="citation-69">The valuation as of </span><b><span class="citation-69">March 31, 2019</span></b><span class="citation-69 citation-end-69">, shows an actual deficit.</span> It happened. And because of that deficit, the government cannot enhance pension benefits right now.</p>
</li>
<li>
<p data-path-to-node="6,1,0"><b>The Structure:</b><span class="citation-68"> She clarified the EPS-95 is a </span><b><span class="citation-68">&#8220;defined contribution-defined benefit&#8221;</span></b><span class="citation-68 citation-end-68"> scheme.</span> All benefits are paid only from two sources:</p>
<ol start="1" data-path-to-node="6,1,1">
<li>
<p data-path-to-node="6,1,1,0,0"><span class="citation-67 citation-end-67">Employer contribution (8.33% of wages).</span></p>
</li>
<li>
<p data-path-to-node="6,1,1,1,0"><span class="citation-66 citation-end-66">Central Government contribution (1.16% of wages, capped at ₹15,000 wage ceiling).</span></p>
</li>
</ol>
</li>
<li>
<p data-path-to-node="6,2,0"><b>The Stagnation:</b> This structure, combined with the deficit, explains why the minimum pension is stuck at ₹1,000 and why <b>Dearness Allowance (DA)</b> is not extended, even though inflation keeps rising. <span class="citation-65 citation-end-65 interactive-span-hovered">The pension amount is officially considered insufficient for a dignified life, but the fund status restricts revision.</span></p>
</li>
</ul>
<p style="text-align: center;">Also read |<a title="WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026." href="https://www.rightsofemployees.com/whatsapp-sim-binding-web-logouts-every-6-hrs-from-feb-2026/" rel="bookmark">WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.</a></p>
<h3><b>The Higher Pension Processing (The Good News)</b></h3>
<p data-path-to-node="8"><span class="citation-64">On a separate, but related, note, the massive job of processing applications for </span><b><span class="citation-64">higher pensions</span></b><span class="citation-64 citation-end-64"> (following the Supreme Court&#8217;s 2022 order) is virtually complete.</span> <span class="citation-63 citation-end-63">The EPFO had to deliver, and they did.</span></p>
<ul data-path-to-node="9">
<li>
<p data-path-to-node="9,0,0"><b>Completion Rate:</b><span class="citation-62"> Nearly </span><b><span class="citation-62">99%</span></b><span class="citation-62 citation-end-62"> of all applications received from pensioners and members have been disposed of by the EPFO.</span> A time-bound job.</p>
</li>
<li>
<p data-path-to-node="9,1,0"><b><span class="citation-61 interactive-span-hovered">The PPO Tally:</span></b><span class="citation-61 interactive-span-hovered"> Of the eligible retirees, </span><b><span class="citation-61 interactive-span-hovered">1,24,457 revised Pension Payment Orders (PPOs)</span></b><span class="citation-61 citation-end-61 interactive-span-hovered"> have been issued.</span> Another 12,572 PPOs are in the final stages of approval.</p>
</li>
<li>
<p data-path-to-node="9,2,0"><b><span class="citation-60">The Ineligible:</span></b><span class="citation-60 citation-end-60"> About 34,060 cases were deemed ineligible, mostly because the applicants failed to remit the required contribution amount.</span></p>
</li>
</ul>
<p data-path-to-node="10"><span class="citation-59 citation-end-59">The government maintains it is committed to ensuring benefits, taking the fund&#8217;s &#8220;health&#8221; into account.</span> <span class="citation-58 citation-end-58 interactive-span-hovered">But with the deficit now officially confirmed in Parliament, a major minimum pension hike remains a distant, ongoing demand.</span></p>
<p data-path-to-node="10">End . . .</p>
<p style="text-align: center;" data-path-to-node="10">Also read |<a title="WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026." href="https://www.rightsofemployees.com/whatsapp-sim-binding-web-logouts-every-6-hrs-from-feb-2026/" rel="bookmark">WhatsApp SIM Binding: Web Logouts Every 6 Hrs from Feb 2026.</a></p><p>The post <a href="https://www.rightsofemployees.com/eps-95-pension-hike-unlikely-fund-under-actuarial-deficit-stress/">EPS-95 Pension Hike Unlikely: Fund Under ‘Actuarial Deficit’ Stress</a> first appeared on <a href="https://www.rightsofemployees.com">Rightsofemployees.com</a>.</p>]]></content:encoded>
					
		
		
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		<item>
		<title>EPS-95 Pension: EPFO gives pension to orphan children under EPS-95, know till what age will they continue to get this benefit?</title>
		<link>https://www.rightsofemployees.com/eps-95-pension-epfo-gives-pension-to-orphan-children-under-eps-95-know-till-what-age-will-they-continue-to-get-this-benefit/</link>
		
		<dc:creator><![CDATA[Pravesh Maurya]]></dc:creator>
		<pubDate>Wed, 03 Aug 2022 10:40:23 +0000</pubDate>
				<category><![CDATA[EPF]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Employee Pension Scheme]]></category>
		<category><![CDATA[EPFO]]></category>
		<category><![CDATA[EPS]]></category>
		<category><![CDATA[EPS Benefits]]></category>
		<category><![CDATA[EPS-95 Pension]]></category>
		<category><![CDATA[Pension]]></category>
		<guid isPermaLink="false">https://www.rightsofemployees.com/?p=1776</guid>

					<description><![CDATA[<p>EPS-95 Pension Update: A large number of people lost their loved ones due to the corona virus epidemic. Even many children became orphans. There were many such reports that all the family members died due to corona and the children became orphans. Such children can get financial help under the Employee Pension Scheme (EPS). However, [&#8230;]</p>
<p>The post <a href="https://www.rightsofemployees.com/eps-95-pension-epfo-gives-pension-to-orphan-children-under-eps-95-know-till-what-age-will-they-continue-to-get-this-benefit/">EPS-95 Pension: EPFO gives pension to orphan children under EPS-95, know till what age will they continue to get this benefit?</a> first appeared on <a href="https://www.rightsofemployees.com">Rightsofemployees.com</a>.</p>]]></description>
										<content:encoded><![CDATA[<p>EPS-95 Pension Update: A large number of people lost their loved ones due to the corona virus epidemic. Even many children became orphans. There were many such reports that all the family members died due to corona and the children became orphans. Such children can get financial help under the Employee Pension Scheme (EPS).</p>
<p>However, this benefit will be available to those orphan children, whose parents were employed or both were employed and were EPS members. The Employees Provident Fund Organization (EPFO) has told about the benefits (EPS Benefits) to the orphan children under the EPS scheme.</p>
<p><strong>What are the benefits under EPS?</strong></p>
<ul>
<li>Orphan children will get 75 percent of the widow pension as pension.</li>
<li>This amount will be at least Rs 750 per month.</li>
<li>Each of the two children together will get a pension of Rs 750 per month.</li>
<li>Under the scheme, orphan children will be given pension till the age of 25 years.</li>
<li>If the children are suffering from any disability then they will be given pension for life.</li>
</ul>
<p><strong>Any payment to be made?</strong></p>
<ul>
<li>For EPS, the company does not deduct any money from the employee&#8217;s salary.</li>
<li>Some part of the company&#8217;s contribution is deposited in EPS.</li>
<li>Under the new rule, those with basic salary up to Rs 15,000 will get this facility.</li>
<li>8.33 percent of the salary is deposited in EPS.</li>
<li>On having a basic salary of Rs 15,000, the company deposits Rs 1,250 in EPS.</li>
</ul>
<p><strong>Just have to submit life certificate</strong></p>
<p>Pensioners have to submit life certificate or digital life certificate for pension payment under the Employees&#8217; Pension Scheme-1995 (EPS-95). Every year pensioners are required to submit life certificate or life certificate. Due to this there is no obstacle in getting pension.</p><p>The post <a href="https://www.rightsofemployees.com/eps-95-pension-epfo-gives-pension-to-orphan-children-under-eps-95-know-till-what-age-will-they-continue-to-get-this-benefit/">EPS-95 Pension: EPFO gives pension to orphan children under EPS-95, know till what age will they continue to get this benefit?</a> first appeared on <a href="https://www.rightsofemployees.com">Rightsofemployees.com</a>.</p>]]></content:encoded>
					
		
		
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