New EPS '95 Pension Calculator Update: How Deferred Pension Calculations Can Help You

parveen kohli
23.12.2023

Dear friends, as you are aware, on 18.12.2023, I shared an ALL-IN-ONE EPS '95 Pension Calculator for Pre 01.09.2014 & Post 01.09.2014 retirees to assist in the calculation of INDICATIVE/APPROXIMATE Normal Ceiling Pension, Early Pension, Required Higher Pension, and "Pro-rata" Pension. This calculator was developed by my learned pensioner friend and financial wizard, Mr. Tapas Kumar Biswas.

Some pensioners subsequently requested/suggested incorporating DEFERRED PENSION CALCULATIONS into the calculator. Accordingly, the calculator shared on 18.12.2023 has been UPDATED (as of 23.12.2023) by Mr. Biswas and is now being shared.

We have test-checked the output with the data from PPOs of many pre-01.09.2014 & post-01.09.2014 retirees, particularly after the 04.11.2022 judgment regarding Post 01.09.2014 retirees by different Regional Offices from time to time, and the results are tallying. However, these calculations should be considered TENTATIVE/INDICATIVE as of the date and are subject to change.

Regards,

Parveen Kohli
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