EPS-95 Pension Stuck at ₹1,000: Your Retirement at Risk?
Millions of retired EPFO members under EPS-95 still get just ₹1,000 per month as minimum pension. Pensioners want it raised to ₹7,500, but the government hasn't decided yet. Here's what this means for your retirement planning.
₹1,000/month barely covers 20 cups of chai and one auto ride daily in 2025.
Your EPS-95 pension hasn't changed in over a decade — retirees demand ₹7,500
Key Takeaways
Check your projected EPS pension on the EPFO member portal (passbook.epfindia.gov.in) — don't assume it will cover retirement expenses.
Start a parallel retirement corpus via NPS, PPF, or SIP in retirement-focused mutual funds to avoid relying solely on EPS income.
If you are a current EPS-95 pensioner, register your grievance on EPFiGMS portal to ensure your voice is counted in the policy review.
Millions of retired EPFO members under EPS-95 still get just ₹1,000 per month as minimum pension. Pensioners want it raised to ₹7,500, but the government hasn't decided yet. Here's what this means for your retirement planning.
Here's what happened: EPS-95 pensioners have long demanded the minimum monthly pension be raised from ₹1,000 to ₹7,500, citing rising living costs.. The Ministry of Labour and Employment confirmed that multiple stakeholders have formally requested the pension hike but no final decision has been taken.. The ₹1,000 minimum pension under EPS-95 has remained unchanged for over a decade, losing significant value to inflation over time..
What you should do: Check your projected EPS pension on the EPFO member portal (passbook.epfindia.gov.in) — don't assume it will cover retirement expenses.. Start a parallel retirement corpus via NPS, PPF, or SIP in retirement-focused mutual funds to avoid relying solely on EPS income.. If you are a current EPS-95 pensioner, register your grievance on EPFiGMS portal to ensure your voice is counted in the policy review..
Even if the pension hike passes, EPS-95 pays a maximum of only ₹7,500 under current wage-cap rules — build your own retirement fund regardless.
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- [1]“EPS-95 pension hike: Will Centre raise minimum pension from ₹1,000 to ₹7,500?” mint - money · 21 Jul 2026
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