A worked example: ₹15,000 salary, 25 years of service
An average monthly salary of ₹15,000 (at or above the pensionable ceiling) with 25 years of service gives an estimated monthly EPS pension of ₹5,357.14 — computed as (₹15,000 × 25) ÷ 70.
The formula: capped salary × service years ÷ 70
The salary used is always capped at ₹15,000/month, regardless of the actual average salary — even someone earning far more contributes to EPS only on the first ₹15,000 of basic salary, so the pension formula only ever sees that capped figure.
Below the cap: ₹12,000 salary, 20 years of service
A lower average salary of ₹12,000 (below the ₹15,000 ceiling) uses the actual ₹12,000 figure directly — no cap applies below the ceiling — giving a pension of ₹3,428.57 for 20 years of service.
Why 10 years of service is the minimum
At least 10 years of eligible service is required to qualify for a monthly pension at all — with less service than that, the EPS contribution is instead withdrawn as a lump sum rather than converted into a pension.
A nuance this quick estimate doesn't model
Members who joined before September 2014 have additional "past service" table rules that can change the actual pension amount — this calculator applies the standard current-era formula exactly, but doesn't account for that older-member nuance.