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Disclaimer

Last updated: June 2026

⚠ Retirement Gap India is an independent informational publication. Not affiliated with EPFO, PFRDA, Ministry of Labour, NPS Trust, Ayushman Bharat or any Government of India body. Not financial, pension, tax or legal advice.

About This Publication

Retirement Gap India is an independent informational publication. We are not a financial advisory firm, pension consultancy or regulated entity. We do not provide individual financial advice.

About the Calculator

The retirement income gap calculator uses standard publicly available formulas:

EPS-95 formula: (Pensionable Salary × Pensionable Service) ÷ 70
NPS annuity: 40% of corpus × 6% per annum ÷ 12 (illustrative rate)

These are illustrative estimates. Your actual pension depends on your specific EPFO records, NPS account details and individual circumstances. Always verify at official sources.

Illustrative Characters

Named characters and examples (such as "Mr Ramesh Iyer") are illustrative only. They do not represent real individuals or specific cases.

Official Sources for Pension Verification

EPFO Helpdesk: 1800-118-005 (toll-free) · epfindia.gov.in
NPS: npscra.nsdl.co.in
Ayushman Bharat: pmjay.gov.in · Helpline: 14555
Income Tax: incometax.gov.in

Contact

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