EPF Pension Contribution Studio
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CMA Knowledge · Pension & Provident Fund Desk
EPF Pension Contribution Studio
Work out the 8.33% pension-fund shortfall and the 1.16% additional contribution — with year-wise interest — for exercising the higher-pension option under EPS-95. Enter your wage history once, see the full ledger, and download it as Excel.
8.33%
Pension-fund contribution rate on full wages
1.16%
Additional contribution on wages above ₹15,000, from Sep 2014
1952–26
Official year-wise EPF interest rates built in
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This is an independent estimation tool built by CMA Knowledge using the standard monthly-running-balance method EPFO uses to compute pension dues. It is for planning and learning purposes — the figure EPFO computes on your UAN dashboard on the official POHW portal is the one that is legally payable.
STEP 1
Member & service details
These dates decide which financial years get calculated, which statutory wage ceiling applies each month, and which year's declared EPF interest rate is used.
STEP 2
Wage history
Enter the full (uncapped) EPF/pension wage for each year of service. Switch a year to month-wise if your wage changed mid-year.
| Financial year | Months | Monthly PF wage (₹) | Statutory ceiling then |
|---|
Note: "Monthly PF wage" means your full basic + dearness allowance for that year — the actual wage on which you want pension contribution computed, not the amount capped at the ceiling.
Ready to file the joint option?
Use this ledger to know what to expect, then complete the actual application on EPFO's member portal.
Go to EPFO POHW portal