Gratuity kya hoti hai?
💡 Tip: Gratuity Calculator par apni gratuity khud calculate karo — free hai!
Gratuity wo lump sum rakam hai jo employer employee ko lambi seva ke badle me deta hai — retirement, resignation ya job change par. Ye koi ehsaan nahi hai; Payment of Gratuity Act, 1972 ke tehat ye aapka kanooni haq hai.
Aasaan bhasha me: company me 5+ saal kaam kiya? To jaate waqt company ko aapko ek moti rakam deni hi padegi. Kitni? Chaliye calculate karte hain.
Eligibility: kaun le sakta hai?
- 5 saal ki lagatar service ek hi employer ke saath (death/disability par ye shart nahi lagti).
- Company me 10 ya zyada employees hone chahiye (Act tabhi lagu hota hai). Ek baar Act lagu ho gaya to employees kam hone par bhi lagu rehta hai.
- 4 saal 240 din ki service ko bhi court ne 5 saal mana hai (5ve saal me 240 din kaam kiya ho to).
- Retirement, resignation, termination, death ya disability — sabhi cases me milti hai.
- Death/disability ki surat me nominee ko poori gratuity milti hai, chahe service 1 din ki hi kyun na ho — iske liye nomination form HR me jama karna na bhulo.
Gratuity ka formula
Formula (Act ke tehat)
Gratuity = (Last Drawn Salary × 15 × Service Years) ÷ 26
- Last Drawn Salary = Basic pay + Dearness Allowance (DA). HRA, bonus, allowances shamil nahi.
- 15 = Har saal ke liye 15 din ki salary (aadhe mahine ke barabar).
- 26 = Mahine ke working days (Sunday nikal kar).
- 6 mahine ka niyam: Aakhri saal me 6+ mahine ho to poora saal gino, kam ho to chhodo.
Real example 1: ₹60,000 salary, 10 saal service
Calculation
Gratuity = (60,000 × 15 × 10) ÷ 26
= ₹3,46,154
10 saal ki naukri par ₹3.46 lakh ka ek-time payout — bina koi tax diye (₹20 lakh ki limit ke andar)!
Real example 2: ₹80,000 salary, 15 saal service
Calculation
Gratuity = (80,000 × 15 × 15) ÷ 26
= ₹6,92,308
Lambi service ka fayda dekho — 15 saal me rakam lagbhag ₹7 lakh ho gayi!
Gratuity par tax: ₹20 lakh tak tax-free
| Employee Type | Tax-Free Limit |
|---|---|
| Government employees | Poori rakam tax-free (koi limit nahi) |
| Private sector (Act ke tehat) | ₹20 lakh tak tax-free (lifetime limit) |
| Private sector (Act ke bahar) | ₹20 lakh / aadhe mahine ki salary × saal / actual — jo sabse kam ho |
₹20 lakh se zyada wali rakam aapki salary income me judkar slab rate par taxable hoti hai. Aur haan — ye exemption old aur new dono tax regimes me milti hai.
Gratuity badhane ke 4 tareeke
- Basic salary par dhyaan do: Gratuity sirf Basic + DA par banti hai. Increment me basic ka hissa zyada rakhne ki koshish karo.
- 5 saal poore karo: 5 saal se pehle chhodne par gratuity ka haq aam taur par nahi banta — thoda ruk jao to lakhs ka fayda. (5vein saal me 240 din poore hon to court ise 5 saal maanta hai.)
- 6 mahine ka niyam yaad rakho: 7 saal 7 mahine ki service = 8 saal ki gratuity. Timing matter karti hai.
- DA ko halke me mat lo: DA badhne se "last drawn salary" badhti hai — gratuity apne aap badh jati hai.
Act ke bahar wale employees ka formula
Agar aapki company me 10 se kam employees hain (Act lagu nahi hota), tab bhi employer gratuity de sakta hai — lekin formula thoda alag hai:
Non-Act Formula
Gratuity = (Average Salary × 15 × Service Years) ÷ 30
Yahan 26 ki jagah 30 se divide hota hai, aur salary pichhle 10 mahine ka average (Basic + DA) li jati hai. Matlab Act wale formula se thodi kam rakam banti hai.
Example: ₹60,000 average salary, 10 saal → (60,000 × 15 × 10) ÷ 30 = ₹3,00,000 (Act wale ₹3,46,154 se ~₹46,000 kam).
Full-and-final settlement checklist
Naukri chhodte waqt gratuity ke saath ye cheezein bhi check karo — aksar log paise chhod dete hain:
- Leave encashment: Bachi hui earned leaves ka paisa (ye bhi ₹25 lakh tak tax-free hai).
- Bonus/incentive: Us saal ka pro-rata bonus maango — ye aapka haq hai.
- Notice period pay: Agar company ne aapko notice period serve nahi karwaya, to uska paisa lo.
- PF withdrawal/transfer: PF ka paisa nikalna ya naye employer me transfer karna mat bhulo.
- Form 16: Us financial year ka Form 16 lena na bhulo — tax filing me kaam aayega.
Gratuity ka paisa kahan lagayein?
₹3–7 lakh ka lump sum achanak milne par log aksar kharch kar dete hain. Smart options:
- Emergency fund top-up: Agar emergency fund 6 mahine se kam ka hai, to pehle use bharo. Job change ke time emergency fund sabse zyada zaroori hota hai.
- PPF me daalo: Tax-free returns + retirement me kaam aayega.
- Loan prepayment: High-interest personal loan ya credit card dues chukao — 12–14% ka guaranteed "return"!
- Mutual fund SIP badhao: Lump sum ko 6–12 mahine me STP se equity me shift karo.
Ek simple niyam: 50% invest, 30% loan/future goals, 20% khud par kharch (ek achhi yaad ke liye). Balance zaroori hai!
Gratuity calculation me 3 confusing cases
- 6 mahine 1 din: 7 saal 6 mahine 1 din ki service = 8 saal ki gratuity (6 mahine se zyada = round up).
- Company change: 3 saal ek company + 4 saal doosri company = zero gratuity dono se! Service continuous ek hi employer ke saath honi chahiye.
- Same group, alag company: Group ki ek company se doosri me transfer hua to service jud sakti hai — HR se written confirmation lo.
Employer gratuity na de to kya karein?
Ye hota hai — lekin kanoon aapke saath hai:
- Likhit me maango: HR ko email likho — date, service years aur calculated amount ke saath.
- 30 din wait karo: Kanoon ke hisab se 30 din me payment hona chahiye.
- Labour office me complaint: Controlling Authority (Assistant Labour Commissioner) ke paas Form N me application do.
- Interest milega: Der par 10% saalana simple interest ka pravdhan hai — employer ko dena padega.
Apni gratuity khud calculate karo
Last salary aur service years daalo — gratuity turant dekho, bilkul free:
Free Gratuity CalculatorAksar puche jaane wale sawal (FAQ)
Q1. Kya 5 saal se pehle naukri chhodne par gratuity milti hai?
Aam taur par nahi — 5 saal ki continuous service zaroori hai. Lekin death ya disability ki surat me ye shart lagu nahi hoti, nominee ko gratuity milti hai.
Q2. Gratuity milne me kitna time lagta hai?
Employer ko 30 din ke andar gratuity deni hoti hai. Der hone par 10% saalana interest ka pravdhan hai.
Q3. Kya gratuity CTC ka hissa hoti hai?
Haan, zyadatar companies CTC me gratuity ka annual provision (lagbhag 4.8% of basic) dikhati hain. Lekin ye tabhi milti hai jab 5 saal poore hon.
Q4. Contractual ya fixed-term employees ko gratuity milti hai?
Naye niyamon ke tehat fixed-term employees 1 saal ki service ke baad bhi gratuity ke haqdaar ho sakte hain (240 din kaam par).
Q5. Gratuity aur PF me kya farak hai?
PF me aap aur employer dono har mahine paise jama karte ho; gratuity me sirf employer deta hai, aapki salary se kuch nahi kat ta. Dono alag-alag benefits hain.
Ye educational content hai, legal ya tax advice nahi. Gratuity ke niyam aur tax limits samay ke saath badal sakte hain — latest jaankari ke liye HR ya tax advisor se salah lein.