India - Pensions and benefits

Indias' National Flag

If you have lived or worked in Canada and worked in India, or you are the survivor of someone who has lived or worked in Canada and worked in India, you may be eligible for pensions or benefits from India or Canada, or both.

The Agreement on Social Security between Canada and the Republic of India came into force on August 1, 2015.

What benefits are available

If you lived in Canada or contributed to the Canada Pension Plan and contributed to the Employees' Pension Scheme, 1995, (EPS) in India, this agreement may help you qualify for:

  • Canadian old age and disability benefits;
  • Indian old age and disability benefits.

If you are the widow, widower, child or eligible individual of a person who contributed to both the Canada Pension Plan and the EPS the pension programs of both countries, this agreement may help you qualify for:

  • Canadian survivor benefits;
  • Indian survivor benefits.

If you, or the deceased, did not contribute to the Indian EPS since 1995, or contributed to the EPS but have received a lump-sum withdrawal of those contributions, this Agreement will not assist you in qualifying for a Canadian or an Indian pension.

You may qualify for a Canadian or an Indian benefit, or both. However, under the Agreement, the benefit paid by each country will be based solely on your creditable periods under that country's pension program. In other words, Canada will pay a benefit amount reflecting the portion of your periods that are creditable under Canada's pension program, and India will pay a benefit amount reflecting the portion of your creditable periods under the EPS.

The Agreement can also help you to obtain a lump-sum benefit or refund of contributions to the Indian Employees' Provident Fund Scheme, 1952 (EPFO), and the Employees' Deposit-Linked Insurance Scheme, 1976 (EDLI).

Am I eligible to receive a benefit

Canadian benefits

The Canadian pension programs included in the Agreement are the Canada Pension Plan (CPP) and the Old Age Security (OAS) program.

If you do not qualify for a CPP benefit based on your contributions to the CPP, Canada may consider your periods of contribution to the Indian Employees' Pension Scheme, 1995 (EPS) as periods of contribution to the CPP to help you meet the eligibility requirements.

If you do not qualify for an OAS pension based on your years of residence in Canada, Canada may consider periods of contribution to the Indian EPS as periods of residence in Canada to help you meet the eligibility requirements.

It is important to note that if you have already received a refund of your contributions to the Indian EPS, this Agreement cannot assist you in qualifying for Canadian benefits.

Note: Quebec Pension Plan (QPP) contributors

The Government of Canada’s international social security agreements cover Old Age Security and Canada Pension Plan benefits only. If you contribute or have contributed to the QPP but not to the CPP, please consult the Quebec Pension Plan.

Indian benefits

The Indian Employees' Pension Scheme, 1995 (EPS) pension program of India is similar to the Canada Pension Plan (CPP) and covers many employed persons in India.

To qualify for a benefit under the Indian EPS, you normally must have contributed to the scheme for a minimum number of years.

If you have not contributed to the EPS, since 1995, for the minimum period to qualify for an Indian old age benefit, under the Agreement, the EPS may consider periods of contribution to the CPP and periods of residence in Canada after the age of 18 as creditable periods under the Indian EPS to help meet the eligibility requirements. To determine eligibility for Indian invalidity benefits, India may consider periods of contribution to the CPP as creditable periods under the EPS. To determine eligibility for Indian survivor benefits, the deceased's periods of contribution to the CPP may be considered as creditable periods under the EPS.

It is important to note that if you have received a refund of your contributions to the Indian EPS, this Agreement cannot assist you in qualifying for Indian benefits.

The Agreement can also help you to obtain a lump-sum payment from the Indian Employees' Provident Fund Scheme, 1952, and the Employees' Deposit-Linked Insurance Scheme, 1976. It can also assist you in obtaining a lump-sum refund of your EPS contributions if you still do not have sufficient periods to qualify for a pension from the EPS after combining your EPS periods with creditable periods from Canada.

How do I apply

Print and complete one of the following application forms:

If you live in Canada

If you live in Canada and want to apply for Canadian benefits, see Public pensions.

If you live in Canada and want to apply for Indian benefits:

Return the completed form to a Service Canada Centre, or mail it to:

International Operations
Service Canada
PO Box 2710 Station Main
Edmonton AB  T5J 2G4
Canada

If you live in India

If you live in India and want to apply for Canadian benefits:

Attach all necessary supporting documents, and return the application form to a social security office in India, or mail it to:

International Operations
Service Canada
PO Box 2710 Station Main
Edmonton AB  T5J 2G4
Canada

India's social security websites

Resources

Note: The Agreement

This page contains general information on the Agreement on Social Security between Canada and India and may not describe all the provisions that apply to your situation. If you have any questions, please contact us. In the case of a discrepancy between this page and the Agreement, the wording and provisions of the Agreement will prevail.

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