No NPS in My PSU: Why We Took It to Management — And What Employees Should Know Before It Arrives

PSU employee comparing EPS pension slip with NPS growth chart

A 35-Year Career, a ₹6,000 Pension — Why This Needed Raising A colleague of mine retired after 35 years of service. Thirty five years of EPF deductions, employer contributions, all of it. His EPS pension came out to six thousand rupees a month. Six thousand. In today’s market, that is not an amount that can … Read more

Gratuity for PSU Employees: How It Is Calculated, When You Get It, and How Much Is Tax-Free

Gratuity payment for PSU employee at retirement

What Is Gratuity and Who Gets It in a PSU? It is not a bonus. It is not a gift from your employer. It is your legal right, a statutory payment you earn by serving an organisation for a minimum period of time. Think of it as a loyalty reward backed by law. The Payment … Read more

Form 16 for PSU Employees: How to Read It, Verify It, and Avoid a Costly ITR Mistake

PSU employee verifying Form 16 against Form 26AS before ITR filing

What Is Form 16 and Why PSU Employees Cannot Ignore It Form 16 is a certificate your employer issues every year. It shows your total salary income, all allowances like TA/DA, medical benefits, LTC, and the tax deducted from your pay during the financial year. Think of it as your official income and tax statement … Read more