Bahut saare employees gratuity ke baare mein ya toh jaante hi nahi ya phir employer jo deta hai woh chup chaap le lete hain bina yeh check kiye ki woh sahi amount hai ya nahi. Gratuity aapke employer ki taraf se koi ehsaan nahi hai – yeh ek statutory right hai jo law enforce karta hai. Non-payment par employer ke khilaf criminal penalties lag sakti hain jisme 2 saal tak ki imprisonment bhi include hai. Cleartax
November 21, 2025 se Code on Social Security 2020 lagu ho gaya hai aur iske baad gratuity rules mein kuch important changes aaye hain – khaaskar fixed-term contract employees ke liye. Is guide mein naye rules ke saath poori information clearly explain ki gayi hai.
Gratuity Kya Hoti Hai
Gratuity ek statutory lump-sum payment hai jo employer employee ko long-term service ke recognition mein deta hai. Yeh Payment of Gratuity Act 1972 se governed hoti thi aur ab Code on Social Security 2020 ke tahat aati hai. Yeh 10 ya usse zyada employees wali organisations par apply hoti hai. Kustodian
Gratuity ek farewell gift nahi hai – chahe aap resignation dein, retire ho jaayein ya termination ho – agar eligible hain toh gratuity lena aapka legal haq hai.
Gratuity Eligibility – Kaun Kitne Saal Mein
Yahan sabse zaroori baat clearly samajhna zaroori hai kyunki naye rules ke baad bahut confusion hai:
Permanent / Regular Employees: Agar aap full-time permanent employee hain toh gratuity ke liye abhi bhi 5 saal ki continuous service compulsory hai. Permanent employees ke liye 1 saal wala naiya rule apply nahi hota.
Fixed-Term Contract Employees: Nayi rules ke tahat fixed-term contract par kaam karne wale employees agar 1 saal ki continuous service complete kar lein toh gratuity ke eligible ho jaate hain – pro-rata basis par. Pehle agar 2-3 saal contract kiya aur 5 saal poore nahi hue toh kuch nahi milta tha. Ab milega.
Death Ya Disablement Ke Case Mein: Kisi bhi employee ki death ya permanent disablement par 5 saal ki condition maafi hai. Gratuity nominee ya employee ko seedha milti hai chahe service kitni bhi kam ho. Kustodian
Gig Aur Platform Workers: Pehli baar gig aur platform workers ke liye bhi Social Security Code mein provision banaya gaya hai. Unke liye ek alag Social Security Fund mechanism create kiya ja raha hai.
Apna Contract Check Karo – Bahut Zaroori Hai
Agar aap fixed-term employee hain toh apna contract check karo ki usme “Fixed Term Employment” specifically likha hai ya nahi. Yahi wording aapko 1 saal ki gratuity eligibility deti hai.
Agar contract mein yeh clearly nahi likha toh aap permanent employee category mein aate ho aur 5 saal ki rule apply hogi.
Gratuity Ka Formula Kya Hai
Gratuity calculation ka standard formula hai: BankBazaar
Gratuity = (Last Drawn Salary × 15 × Years of Service) ÷ 26
Yahan 15 matlab 15 din ki wages hai jo har saal ke liye milti hai. 26 matlab mahine mein average working days – Sunday aur rest days hata ke. Last drawn salary mein Basic Pay aur DA yaani Dearness Allowance include hota hai. BankBazaar
Overtime, bonus, commission, HRA aur kuch doosre allowances is calculation mein include nahi hote. BankBazaar
Permanent Employee Example: Basic + DA = Rs. 40,000 per month, service = 8 saal
Gratuity = (40,000 × 15 × 8) ÷ 26 = Rs. 1,84,615
Fixed-Term Employee Example: Agar aap 3 saal ke fixed contract par Software Developer hain aur basic + DA Rs. 40,000 hai toh:
Gratuity = (40,000 × 15 × 3) ÷ 26 = Rs. 69,230
Pehle yeh amount Rs. 0 hoti kyunki 5 saal poore nahi hue. Ab nayi rules ke tahat aapko Rs. 69,230 milenge.
2026 Mein Nayi Rules Kya Aayi Hain
Code on Social Security 2020 jo November 21, 2025 se effective hai, usne teen important changes laaye hain: Paytm
Pehla Badlav – Fixed-Term Employees Ke Liye 1 Saal: Fixed-term employees ab 1 saal ki continuous service ke baad gratuity ke eligible hain. Lekin yeh rule sirf fixed-term contract workers ke liye hai – permanent employees ke liye 5 saal abhi bhi compulsory hai. Paytm
Doosra Badlav – 50% Wage Rule: Basic wages kam se kam total CTC ka 50% honi chahiye. Iska matlab yeh hai ki agar kisi company ne basic salary bahut kam rakhi aur allowances zyada kiye toh ab gratuity calculation mein woh excess allowance bhi add ho jaayenge. Matlab payout pehle se zyada hoga. Paytm
Apni salary slip check karo – agar Basic + DA aapki total salary ka 50% se kam hai toh aapka employer is rule ke under aapki basic salary badhane ka zaamin hai.
Teesra Badlav – Payment Timeline: Employer ko gratuity due hone ke 30 din ke andar settle karni hoti hai. Delayed payment par 10% annual interest bhi dena padta hai. India Policy Hub
Tax Par Kya Hoga
Rs. 20 lakh tak ki gratuity income tax se poori tarah exempt hai. Kustodian
- Government employees ki poori gratuity amount tax free hoti hai chahe kitni bhi ho India Policy Hub
- Private sector mein Rs. 20 lakh tak tax exempt hai
- Jo amount Rs. 20 lakh se upar ho woh aapki income ke hisaab se taxable hogi
Gratuity Kaise Claim Karein
Step 1 – Written Application Dein
Naukri chhodne ya retire hone ke baad employer ko written application dein. Application mein yeh likhein:
- Apna naam, designation aur employee ID
- Joining date aur last working date
- Total years of service
- Bank account details
Step 2 – Employer Ka Jawab
Employer ko 30 din ke andar gratuity calculate karke pay karni hoti hai. India Policy Hub
Step 3 – Agar Employer Ne Nahi Di Toh
Agar 30 din mein payment nahi ki ya galat amount di toh apne district ke Labour Commissioner ke paas complaint file karo. Yeh process free hai aur employer ko legally jawab dena padta hai. India Policy Hub
Common Mistakes Jo Avoid Karni Chahiye
- Calculation check na karna – Jo employer ne diya woh accept kar lena bina verify kiye. Apna hisaab khud karo formula se
- Contract type clear na karna – Fixed-term ya permanent – dono ke rules alag hain. Apna contract letter check karo ki clearly “Fixed Term Employment” likha ho
- 5 saal se thoda kam service mein permanent employee ka claim karna – Sirf fully completed years count hote hain. Agar 4 saal 11 mahine hue hain toh permanent employee ke case mein gratuity nahi milegi Paytm
- HRA aur bonus ko salary mein add karna – Gratuity sirf Basic + DA par calculate hoti hai, baaki allowances count nahi hote
- Nominee update na karna – Death ke case mein nominee ko hi gratuity milegi. HR ke paas nominee form submit karna zaroori hai
- Delay par chup rehna – 30 din ke baad bhi payment nahi aayi toh Labour Commissioner ke paas jaiye. Chup rehne par kuch nahi milega India Policy Hub
Aksar Puche Jaane Wale Sawal (FAQs)
Q1. Main permanent employee hoon aur 3 saal se kaam kar raha hoon – kya mujhe gratuity milegi? Nahi. Permanent employees ke liye 1 saal wala naiya rule apply nahi hota. Permanent ya regular employees ke liye abhi bhi 5 saal ki continuous service compulsory hai. 1 saal ka rule sirf fixed-term contract employees ke liye hai.
Q2. Agar company 10 se kam employees ki hai toh gratuity milegi? Payment of Gratuity Act aur Code on Social Security sirf us organisation par apply hota hai jisme 10 ya usse zyada employees hain. 10 se kam wali companies par Act legally applicable nahi hota. Offer letter mein gratuity clause zaroor check karo. Kustodian
Q3. Gratuity ka paisa kab tak aata hai? Employer ko gratuity due hone ke 30 din ke andar payment karni hoti hai. Isse zyada delay hone par 10% annual interest bhi milta hai jo employer ko dena hoga. India Policy Hub
Conclusion
Gratuity aapka earned right hai – employer ki goodwill nahi. Permanent employee ho toh 5 saal poore karo. Fixed-term contract par ho toh 1 saal mein eligible ho jaate ho – lekin contract mein “Fixed Term Employment” clearly likha hona chahiye. Formula se apna hisaab karo, employer se likhit mein maango aur 30 din mein nahi aaya toh Labour Commissioner ke paas jaane ka pura haq hai aapko. Koi bhi sawal ho toh neeche comment zaroor karein.
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