EPFO Pension Rules: If your PF is deducted, this news is very useful for you. Actually, EPFO ​​has changed some pension-related rules, which you should be aware of. Today, we are going to tell you about five changes that will affect your retirement reimbursement. Let’s learn about those changes.

Changed Pension Calculation Rules
The Employees’ Provident Fund Organization (EPFO) has changed the rules for calculating pensions. This change is very beneficial for pensioners. Previously, pensions were calculated based on the last salary drawn, but now they will be calculated based on the average salary of 5 years.

The pension withdrawal age has been changed.

The previous age for pensionwithdrawals was 58 years, but this has now been reduced to 50. Individuals wishing to receive their pension early can apply at age 50. Please note that early retirement reduces the pension amount.

Claim your pension online
The EPFO ​​continues to update its services for employees to ensure that employees receive their pensions without any difficulties. Consequently, all pension claim processes, such as filling out forms, uploading documents, and obtaining approval, can be completed through the EPFO ​​website or mobile app. Previously, this process used to involve long queues.

No loss of pension due to job changes
The EPFO ​​has clearly stated that if an employee changes jobs, their pension will not be lost. Their old record will be linked to the new company, allowing them to continue receiving their pension.

Pension limit also increased
EPFO has also increased the maximum pension limit. Previously, this limit was ₹7,500, which has now been increased to ₹15,000. Therefore, if you have a high salary, you can receive a maximum pension of ₹15,000 after retirement. It’s worth noting that many of these changes are old, but pensioners should be aware of them.

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This amended rule has come into effect from 22 May 2025 and is aimed at increasing discipline in government service. The decision will be reviewed by the concerned administrative ministry. These rules apply to employees appointed before 31 December 2003, but railway, IAS, IPS and IFoS officers are out of it.

There is a big news for government employees. The news is that the central government has made a big and important change in the pension rules for government employees. Now if an employee is dismissed or removed from a public sector undertaking (PSU), he will not get retirement benefits. This change has been made under the amendment in the Central Civil Services (Pension) Rules, 2021, which was recently notified on 22 May 2025.

Key provisions of the new notification

According to the new notification Central Civil Services (Pension) Amendment Rules, 2025, if an employee is working in a public sector undertaking and is dismissed or removed due to any misconduct or indiscipline, then he will not be given pension or other retirement benefits irrespective of his service period.

The ministry will review the decision

If an employee is dismissed or removed, the decision will be reviewed by the relevant administrative ministry. The ministry will decide whether the dismissal was justified and whether forfeiture of retirement benefits will apply to him.

What was the rule earlier?

Under the earlier rules, employees of public sector undertakings could get retirement benefits even in case of dismissal or removal from service. This means that their benefits like pension or gratuity remained safe. But now after this amendment, this will not be possible.

To which employees will these rules not apply?

These amendment rules will not apply to railway employees, casual and daily wage employees, IAS, IPS and IFoS officers. These rules apply only to those employees who were appointed on or before 31 December 2003 and whose services are regularly under the Central Government.

Accountability of government employees will increase

This amendment in the pension rules is a step to promote discipline and accountability for government employees. Now employees will have to pay special attention to their conduct during service because any disciplinary action can directly affect their retirement benefits.

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A large part of the fund created in this way is given to the employee in lump sum when he retires. Out of the employer’s 12 percent contribution, 8.33 percent goes to the Employee’s Pension Fund (EPS). The employee gets pension every month after retirement from the money deposited in this pension fund.

How is pension calculated?

For this calculation, the basic salary limit is fixed at Rs 15,000. This means that Rs 1,250 is deposited in the employee’s pension fund every month. Employees who selected the option of higher pension on actual basic salary last year, more money goes to the pension fund every month. An employee is entitled to pension if he is a member of EPS for at least 10 years. The formula for pension is as follows. Pension = (Pensionable Salary (Average of last 60 months’ salary) X Pensionable Service) / 70.

How much pension is received after the death of the employee?

After retirement, the employee gets pension as per the prescribed formula. Under the Employees Pension Scheme, 1995, not only the employee but also his wife/husband and children are entitled to pension when the employee dies before or after retirement. From the retirement of the employee till his death, pension is received as per the formula mentioned above. However, the payment of pension does not stop completely after his death. If the wife/husband or children are less than 25 years of age, they will be entitled to pension.

What is the minimum pension?

The family will get pension if the EPS member has contributed to EPS even once before his death. If the employee dies during the job, then the wife will get a minimum pension of Rs 1,000 every month. The employee’s wife gets pension as long as she is alive. If she gets married again, then the children pension will be converted into orphan pension. Then the pension amount will increase.

What will happen if the employee is unmarried?

If the employee is single, the widow pension i.e. the pension received by the wife is paid to the dependent parents. As a pensioner, you cannot nominate any person for this. If the EPS member is not unmarried or divorced, then the pension money will be given to the wife and children under the EPS rules. The wife gets 50 percent of the pension received by the employee. The children get 25 percent of the widow pension. This pension is available till the children turn 25 years old.

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In such a situation, the question arises whether there is such a scheme, through which employees working in the private sector can also get the benefit of pension after retirement. The answer is yes. By investing in Provident Fund (PF), you get pension after retirement, but for this some conditions have to be fulfilled.

Here also the condition of employment is 10 years

To get pension in UPS, government employees have to work for at least 10 years. The same condition applies to private sector employees as well. If they want to avail pension, they will have to invest in Employees Pension Scheme (EPS) for at least a decade. Then you will start getting pension after the age of 58. Even if you have worked for nine and a half years, it will also be counted as 10 years as per the rules. But, if you work for less than this, you can withdraw money even before retirement, because you are not entitled to pension.

Also Read: NPCI simplified FASTAG payments using just the mobile number.

What needs to be done for pension?

The Employees’ Pension Scheme is managed by the Employees’ Provident Fund Organization (EPFO). You do not have to do anything separately to invest in it. PF money is deducted from your salary every month. You and your company contribute equally to it. 12 percent of the employee’s basic salary + DA goes into the PF account every month.

The company also contributes the same amount. Out of this, the employee’s entire share will go to EPF. But, the company contributes only 3.67 percent to EPF. The remaining 8.33 percent goes to the Employees’ Pension Scheme (EPS) and from this you will get pension after retirement.

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PFRDA Chairman’s statement

Amidst all the expectations and debates, PFRDA Chairman has also made a big comment regarding the pension scheme. Pension regulator Pension Fund Regulatory and Development Authority (PFRDA) Chairman Deepak Mohanty was participating in a program in Mumbai on Friday. While talking to the media on the sidelines of the programme, he talked about NPS.

Currently discount is available up to this limit

The pension regulator chief said that the contribution made by employers in NPS should be made tax free up to 12 percent of the employee’s basic salary. At present, in the pension scheme for employees enrolled in NPS under private sector individual or corporate scheme, employers get tax exemption only on an amount equal to 10 percent of the basic salary.

Get benefits like government employees

Mohanty said that he has favored bringing the tax benefits on employer contribution in NPS at par with the 12 percent limit in EPF. He said that it should ultimately go up to 14 percent of the basic salary like that of government employees. Currently, under EPF rules in the private sector, contributions up to 12 percent of basic salary and dearness allowance are exempted from tax.

What does the income tax law say?

Under the current income tax rules, employers can show NPS contribution up to 10 percent of their employee’s basic salary as business expense. This helps them to save tax. Employees can also avail tax benefits under section 80 CCD (2) of the Income Tax Act on the employer’s contribution equal to 10 percent of their salary. This benefit is available in both the new and old tax system.

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In this, the Department of Pension and Pensioners’ Welfare gives a lump sum option to some employees to get their pension as per CCS. This rule will be applicable only to those employees who were appointed against a post or vacancy which was notified prior to the date of notification of National Pension System (NPS).

NPS was notified on 22 December 2003. As per DoPPW, eligible employees can exercise the one-time option till 31 August 2023. Explain that it has now been decided that, in all cases where a Central Government civil servant has been appointed against a post against a vacancy which was advertised/notified for recruitment/appointment, the National Pension System covered under the National Pension System on joining service before the date of notification i.e. 22.12.2003 and on or after 01.01.2024,

You can take advantage of this option once

One time option can be given to be covered under CCS (Pension) Rules, 1972 (now 2021). This option can be exercised by the concerned government employees till 31.08.2023. Eligible Central Government civil servants, who do not exercise the lump sum option till 31st August, will continue to be covered by NPS. The DoPPW said that the option once exercised would be final.

DOPPW states that the matter regarding coverage under CCS Pension Rules, based on the option exercised by the Government Servant, will be placed before the Appointing Authority of the posts for which such option is to be considered as above. Used to be.

One-time option will have to be used by 31 August 2023

The DoPPW said that if the government employees fulfill the conditions of coverage under the CCS (Pension) Rules, 1972 (now 2021), as per these instructions, necessary orders in this regard will be issued latest by 31 October 2023. The NPS account of such government employees will, consequently, be closed from now on. Eligible employees will have to exercise the lump sum option by 31 August 2023. On exercising the option to switch to the old pension scheme, the employees will be required to subscribe to the General Provident Fund (GPF).

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How much hike expected

It is expected that the government will approve a 4% hike in DA and Dearness Relief (DR) rates for employees and pensioners respectively. If this happens, the new rate of DA for central government employees will increase to 42%.

What was the last DA hike?

Dearness Allowance payable to central government employees was increased from 34% to 38% of the basic pay with effect from 1st July 2022.At the same time, dearness relief for pensioners was also increased from 34% to 38%.Explain that the Central Government gives DA / DR to the employees and pensioners due to inflation. It is given on the basis of the recommendations of the 7th Pay Commission.

Gift on pension

Recently, the government has given a gift to a select group of central employees. They have been given a chance to opt for the old pension scheme. Old pension under the Central Civil Services (Pension) Rules, 1972 (now 2021) for employees who joined the Central Government Services against posts advertised or notified prior to December 22, 2003, the date of notification of the National Pension System (NPS) eligible to join the scheme.

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Whose performance is not good. The government has issued a notification on October 26, considering Rule 8 of the CCS (Pension) Rules 2021 as the basis. After which the breath of lakhs of employees has got stuck. Because there is a part of the employees in government jobs who take salary for free.

But now all such employees will have to show their work. Because now every month the work report of the employees will be prepared. In fact, while making changes in the rule of Pension Rules 2021, the government has issued orders to stop Gratuity and Pension of those people. Those who are involved in some crime somewhere. Or not doing their job properly.

It is being told that the report card of the central employees will now be prepared every month. In which everything from crime will be included. It is being told that at present the rule has been implemented only on central employees. But going forward, states can also implement it according to their own. However, so far only the Central Government has implemented this rule.

Action will be taken in this situation

Let us tell you that if an employee is re-appointed after retirement, then this rule will also be applied to him. Not only this, if a case is filed against an employee. Also, if the employee is found guilty, he will also be deprived of gratuity and pension. Apart from this, the employees who are negligent in work will also come under its purview.

In this, it will depend on the head of the concerned department that for how many months he wants to withhold the pension of the employee. The Central Government has issued orders in writing to the appointment authorities of all departments.

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Now you will be able to withdraw your pension only once. Let us tell you what are the new pension rules for central government employees- There is no permission to withdraw pension again , according to the information received from DoPPW, if any employee withdraws a part of his basic salary, then he is not allowed to withdraw pension again.

The department has issued a notification , information has been given by the Department of Pension and Pensioners Welfare by issuing a notification (DoPPW Notification) in this regard. According to the Civil Services (Commutation of Pension) Rules, 1981, the government is not allowed to withdraw pension more than once. With this, you can withdraw only 40 percent of the total pension at one go.

You can withdraw the outstanding amount after revising On lump sum withdrawal, the government has said that you can withdraw only 40 percent of the amount at one go. Apart from this, if the pension of any employee is revised, then in this situation you can withdraw your arrears.

According to the notification issued by DoPPW, those employees who have retired between January 1, 2016 and August 4, 2016, will get additional exemption on revision of pension under Rule 10 of CCS. Although the rule of 40 percent has been implemented here by the government.

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Pension and Salary Rules: A big plan is being made by the Central Government regarding pension to the employees, after which there will be a bumper increase in the pension of all the employees. At present, there is talk of increasing the minimum salary of the employees under the Employees’ Provident Fund Organization (EPFO). The government is going to take a big decision for the employees soon.

Salary will be Rs 21,000

Tell me, at present the minimum salary of the employees is Rs 15,000, a decision can be taken to increase it to Rs 21,000. After increasing the minimum salary of the employees, the pension will also increase. According to media reports, due to the increase in the minimum salary of the employees, the pension will also increase.

The minimum salary was also increased in 2014. The last time the central government increased the minimum salary was in the year 2014. At present, once again the government is planning to increase the salary of the employees. If the salary increases, then the share of pension and PF will also increase automatically. By increasing the minimum salary of the government, the contribution of the employees to the provident fund will also increase.

How much will be the contribution of PF, at this time the minimum salary of the employees is calculated at Rs 15,000, due to which only a maximum of Rs 1250 can be contributed to the EPS account. If the government increases the salary limit, then the contribution will also increase. After the increase in salary, the monthly contribution will be Rs 1749 (8.33% of Rs 21,000).

Employees will get many benefits

With this decision of the government, the employees will get the benefit of more pension even on retirement. If any employee worked for 20 years, then the monthly pension he would get through EPS would be Rs 7286. Apart from this, due to the increase in salary, the employees will also get many other benefits.

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Is. Now the invested money can be withdrawn by just filling a withdrawal form. For this investors will not have to fill separate annuity form.

As per the circular issued on September 13, 2022, the NPS subscriber will not be required to fill a separate annuity proposal form for NPS withdrawal. This form can be filled online. All the information related to the plan and withdrawal will have to be filled in the NPS withdrawal form. Missing any kind of information can stop your NPS money.

What is the process for withdrawal now? Till now online and offline forms are submitted to the nodal office for withdrawal under NPS. At the same time, along with an amount in this form, detailed information has to be given about it. Once they decide on the plan, they have to submit the form given by the insurance companies with complete details.

According to a PFRDA circular dated November 14, 2022, with the coming together of the two financial institutions, the benefits available to the subscribers have increased manifold. At the same time, with this decision, NPS subscribers will get many benefits. Let us know what are the benefits of this.

What will be the benefits

– Now it has become easy to get annuity and it will take less time to issue it.
There will be a uniform process for lump sum payment and issuance of annuity.
After the retirement of the subscriber, the amount will be paid as retirement fund and pension every month.

Where to download

the form : According to the circular issued by PFRDA, subscribers along with KYC and all relevant documents will have to upload the exit form on the CSR system. On the other hand, NPS retired along with senior citizens will have to register on Jeevan Pramaan portal for life verification with Aadhaar enabled.

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EPFO Pension: In the meeting to be held on July 29 and 30, major changes in the system of Central Pension Distribution System will be discussed. After getting approval in the meeting, 73 lakh pensioners across the country will get the pension amount on the same date and time.

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