EPFO Announcement of Pension hike! Know how much your pension increased? EPFO Pension Latest Update 2025 – StudyToper

After the retirement of employees in India, EPFO ​​(Employees ‘Provident Fund Organization) and EPS 95 (Employees’ Pension Scheme 1995 are important plans for economic security. In the budget of 2025, major changes in these schemes are expected. The government has proposed to increase the wage ceiling of EPS 95 pension, which will give more benefits to the pensioners.

Also, pensioners have also met the Finance Minister to demand the minimum pension of ₹ 7,500 and inflation allowance (DA). In this article, we will understand in detail the new updates of EPFO ​​Pension 2025, its impact and application process.

EPFO and EPS 95 Pension 2025: Main Update

The Central Government has proposed to increase the wage ceiling from ₹ 15,000 to ₹ 21,000 in Union Budget 2025 under EPF and EPS 95. This will increase the monthly pension amount of pensioners significantly. Currently, the maximum pension under EPS 95 is ₹ 7,500 per month, which can reach ₹ 10,050 when the new limit is implemented. Also, the EPS-95 National Agitation Committee has demanded the Finance Minister to increase the minimum pension from ₹ 1,000 to ₹ 7,500.

EPFO Pension Scheme 2025: Overview Table

EPS 95 pension hike 2025: How to benefit?

Employees and pensioners will get the following benefits due to increase in salary limit proposed by EPFO:

1. Increase in pension amount: If the new salary limit is ₹ 21,000, pension will be calculated based on this formula:
2. = 21,000 × 3570 = 10,050
3. ,
4. 70
5. 21,000 × 35
7. = 10,050
8. That is, ₹ 2,550 more will be available than the current ₹ 7,500.
9. Demand for minimum pension: On 10 January 2025, representatives of EPS-95 pensioners met the Finance Minister and demanded a minimum pension ₹ 7,500 and inflation allowance (DA). He argues that the current ₹ 1,000 pension is inadequate for living.
10. The contribution of the employer will increase: Increasing salary limit will also increase the contribution (8.33%) of the employer to the EPF, which will strengthen the pension fund.

EPS 95 Pension Types (Types of EPS 95 Pension)

The following types of pension are given under the EPFO ​​Pension Scheme:

• General Pension: Employees who have completed 58 years of age.
• Reduced Pension: On taking pension before the age of 50 years, the pension amount will be 4% per year.
• Disability Pension: Permanently disabled employees.
• Widow/Widow Pension: To the spouse on the death of a member.
• Child Pension: The children of the member up to the age of 25.
• Orphan pension: Children on the death of both parents.

EPFO Pension 2025: Application Process

Following is the process of applying for EPS 95 pension:

1. Fill Form 10D: Get Form 10D from EPFO ​​portal or office after retirement.
2. Submit the document:
   • Aadhar card
   • Bank account details
   • Service certificate
3. Get PPO: Pension Payment Order (PPO) will be released if the application is approved.
4. Pension starts: After receiving PPO, pension will be deposited in the bank account.

Epfo Pension Challenges 2025: Main Problems

Although the government has assured to increase pension, some challenges still remain:

• Pending application: More than 3.1 lakh pension applications are pending in EPFO ​​offices.
• Inadequate pension: 36.60 lakh pensioners are still getting less than ₹ 1,000 pension.
• Employer Verification Issue: Many employers are delayed in verifying pension applications.

EPS 95 Pension 2025: Frequently Asked Questions (FAQs)

Q1. What is the minimum service period for EPFO ​​pension?

• Answer: 10 years.

Q2. Does EPS 95 pension tax is taxed?

• Answer: No, the pension amount is tax-free.

Q3. How is the pension amount calculated?

• Answer:
• = × 70
• ,
• 70
• Example: ₹ 21,000 × 35 years ÷ 70 = ₹ 10,050.

Disclaimer: The information mentioned in this article is based on EPFO ​​and government sources. The minimum pension of ₹ 7,500 has not yet been approved, it is part of the discussion with the Finance Minister. Pensioners are advised to check the update from the official EPFO ​​portal or office.