Estimate an indicative EDLI insurance cover with editable wage multiple, PF balance, bonus and cap.
An illustrative EDLI cover screen using assumptions you can edit. Eligibility, wage definitions, PF balance treatment, benefit caps, nominations, exemptions and claim decisions must be confirmed with EPFO.
Method: This calculator applies the values and assumptions you enter, shows each arithmetic step clearly, and identifies scheme or tax conditions that require current official confirmation.
Inputs used: Currency = INR; Average monthly wages = 15,000; Average PF balance = 300,000; Wage multiple = 35 months; Additional benefit = 150,000; Maximum cover = 700,000
Assumptions: The result uses the values, units and options shown in the input snapshot.
Scope and warnings: An illustrative EDLI cover screen using assumptions you can edit. Eligibility, wage definitions, PF balance treatment, benefit caps, nominations, exemptions and claim decisions must be confirmed with EPFO. Rounding and excluded real-world terms can make an external result differ.
EPFO contribution rates · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
PFRDA NPS exit guidance · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
Income Tax Department tax payments and TDS · As stated by the source · effective As published · reviewed 2026-09-12
medium confidence · Deterministic calculation
Linked as a method or contextual reference; calculator inputs remain visible and editable where applicable.
Exclusions: Source applicability and any jurisdictional limits remain those stated by the publisher.
This calculator applies the values and assumptions you enter, shows each arithmetic step clearly, and identifies scheme or tax conditions that require current official confirmation.
Enter a documented salary, contribution, withdrawal or tax scenario, then compare each result with the relevant official statement or certificate.
This page is an educational planning calculation. It does not determine eligibility, legal classification, statutory limits, tax liability, account balance or a government benefit. Confirm the current rules and your records before acting.
Calculations run on your device. Review your results before exporting or sharing them.
The wage multiple, PF balance, bonus and cap are editable so you can compare documented assumptions.
EDLI eligibility and claim amounts must be confirmed with EPFO.
Published by ToolMitra — methods and editorial approach.