Estimate the Employees' Deposit Linked Insurance assurance benefit based on the EDLI Scheme 2026 provisions, with the ₹25,000 wage ceiling.
The Employees' Deposit Linked Insurance (EDLI) benefit is an assurance amount paid to the nominee or family of an EPF member who dies. This EDLI calculator 2026 estimates that amount from two inputs: your average monthly wages (Basic + DA) and your average PF balance, along with how long you have been in continuous service.
| Rule | Limit |
|---|---|
| Wage ceiling (effective 17 September 2026) | ₹25,000 per month |
| Wage multiplier | 35 × average monthly wages |
| PF component | 50% of average PF balance, max ₹1.75 lakh |
| Minimum benefit (12 months or more) | ₹2.5 lakh |
| Maximum benefit | ₹7 lakh |
| Enhancement under Para 21(5) | 20% of the Para 21(1) benefit |
Benefit = 35 × average monthly wages (capped at ₹25,000) + 50% of average PF balance (capped at ₹1.75 lakh). The result is held between ₹2.5 lakh and ₹7 lakh, then compared with the Para 21(1) benefit plus its 20% enhancement. The higher amount applies, never above ₹7 lakh.
The Para 21(1)/(2) PF-linked benefit is used. For an average PF balance up to ₹50,000 the benefit is ₹50,000. Above that it is ₹50,000 + 40% of the balance in excess of ₹50,000, up to ₹1 lakh. The 20% enhancement under Para 21(5) is then added, subject to the ₹7 lakh ceiling.
Average PF balance ₹2,00,000, average monthly wages ₹25,000, 12 months or more of service:
| Step | Amount |
|---|---|
| 35 × ₹25,000 | ₹8,75,000 |
| 50% of ₹2,00,000 PF balance | ₹1,00,000 |
| Formula total | ₹9,75,000 |
| Final benefit after ₹7 lakh maximum | ₹7,00,000 |
The Employees' Deposit Linked Insurance (EDLI) benefit is an insurance-linked assurance amount payable to the nominee or family of an EPF member who dies, calculated by EPFO from wage and PF balance records.
Under the EDLI Scheme 2026, the maximum assurance benefit is Rs 7 lakh and the minimum for 12 months or more of continuous service is Rs 2.5 lakh.
The EPFO wage ceiling is Rs 25,000 per month, effective 17 September 2026. Average monthly wages (Basic + DA) above Rs 25,000 are treated as Rs 25,000 in the 35x wage formula.
The formula is 35 times the average monthly wages (capped at Rs 25,000) plus 50% of the average PF balance (this PF component is capped at Rs 1.75 lakh). The result is subject to the Rs 2.5 lakh minimum and Rs 7 lakh maximum, and is compared with the Para 21(1) benefit including the 20% enhancement under Para 21(5).
The PF-linked benefit under Para 21(1)/(2) is used: the average PF balance up to Rs 50,000 (minimum Rs 50,000), or Rs 50,000 plus 40% of the balance above Rs 50,000, up to Rs 1 lakh. A 20% enhancement under Para 21(5) is then added, subject to the Rs 7 lakh ceiling.
No. It is an educational estimate by Wealthpedia. The actual benefit is decided by EPFO from official records and the circumstances of the claim.