All you want to know about Employees’ Pension Scheme. Scheme can help employees get guaranteed pension throughout retired life How do I secure a regular monthly income after retirement? That’s a vexing financial problem that most Indians of our generation face, after the phasing out of guaranteed pension from the Government. But one guaranteed option that remains and usually flies under the radar, is the Employees’ Pension Scheme 1995. This scheme can help employees with long years of service receive a modest but guaranteed pension throughout their retired life. Enrolment All organised sector employees in India who are enrolled with the Employees Provident Fund Organisation (EPFO) automatically become members of the Employees’ Pension Scheme (EPS) as well. Once you enrol in the EPF, your employer deducts 12% of your basic pay plus dearness allowance every month towards your retirement corpus, with your employer making a matching contribution. While your 12%