🤝 印度离职金（Gratuity）计算器Gratuity Calculator (India)
按印度《社会保障法》（Code on Social Security, 2020）规则计算离职金：最后月工资（基本工资 + 物价津贴）× 15 ÷ 26 × 服务年数，超过 6 个月按 1 年计，上限 ₹20 万卢比（20 lakh），并检查 5 年（固定期限员工 1 年）资格。Calculate gratuity under India's Code on Social Security, 2020: last drawn monthly wages (basic + DA) × 15 ÷ 26 × years of service, with more than six months rounded up to a full year, capped at ₹20 lakh, and with the 5-year (1 year for fixed-term staff) eligibility check.
使用说明与常见问题How-to & FAQ
「印度离职金（Gratuity）计算器」是什么？What is the Gratuity Calculator (India) tool?
按印度《社会保障法》（Code on Social Security, 2020）规则计算离职金：最后月工资（基本工资 + 物价津贴）× 15 ÷ 26 × 服务年数，超过 6 个月按 1 年计，上限 ₹20 万卢比（20 lakh），并检查 5 年（固定期限员工 1 年）资格。Calculate gratuity under India's Code on Social Security, 2020: last drawn monthly wages (basic + DA) × 15 ÷ 26 × years of service, with more than six months rounded up to a full year, capped at ₹20 lakh, and with the 5-year (1 year for fixed-term staff) eligibility check.
如何使用「印度离职金（Gratuity）计算器」？How do I use the Gratuity Calculator (India) tool?
在「印度离职金（Gratuity）计算器」中，填写「最后月工资（基本 + DA）₹」、「服务年数」、「另加月数」、「雇佣类型」等参数，结果会随输入实时计算并显示在下方。In the Gratuity Calculator (India): Fill in "Last monthly wages (basic + DA) ₹", "Years of service", "Extra months", "Employment type"; results are recalculated instantly as you type.
离职金怎么计算？How is gratuity calculated?
离职金 = 最后月工资 × 15 ÷ 26 × 服务年数。15 代表每年 15 天工资，26 是每月工作日数。最后一年超过 6 个月按整年计。季节性单位按每个季节 7 天工资计算。Gratuity = last monthly wages × 15 ÷ 26 × years of service — 15 days' wages per year, with 26 working days a month. A final part-year over six months counts as a full year. Seasonal establishments use 7 days per season.
新规有什么变化？What changed under the new Code?
《社会保障法 2020》（2025 年 11 月 21 日起施行）及其中央实施细则（2025 年 12 月 30 日发布草案 G.S.R. 935(E)，2026 年 5 月 8 日以 G.S.R. 344(E) 正式公布《2026 年社会保障（中央）规则》）规定：固定期限雇员满 1 年即可按比例领取离职金；常规雇员仍需连续服务满 5 年（在职死亡或伤残除外）。“工资”包括基本工资和物价津贴；若各类津贴超过总薪酬的 50%，超出部分也计入工资。本工具没有单独的津贴输入，请自行把这部分加进「最后月工资」。Under the Code on Social Security, 2020 (in force since 21 Nov 2025) and its central rules (draft G.S.R. 935(E) published on 30 Dec 2025; final Code on Social Security (Central) Rules, 2026 notified as G.S.R. 344(E) on 8 May 2026), fixed-term employees qualify pro rata after 1 year; permanent employees still need 5 years of continuous service (except on death or disablement). Wages are basic pay plus DA, and allowances above 50% of total pay are added back into wages. There is no separate allowance input, so add that part to 'Last monthly wages' yourself.
上限和税务？Is there a cap, and is it taxed?
法定上限为 ₹20 lakh（₹2,000,000），依据 2018 年 3 月 29 日的通知 S.O. 1420(E)；印度劳动与就业部 2026 年 1 月的《劳动法典常见问题》仍写明“目前为 ₹20 lakh”。网上常见的 ₹25 lakh 只适用于中央政府雇员（人事、公共申诉和养老金部 2024 年 5 月 30 日的办公室备忘录），不适用于本工具计算的《社会保障法》离职金。私营部门员工的离职金在终身累计 ₹20 lakh 以内免税，政府雇员全额免税。The statutory cap is ₹20 lakh (₹2,000,000), set by notification S.O. 1420(E) of 29 Mar 2018; the Ministry of Labour and Employment's Labour Codes FAQ (January 2026) still says it is 'currently ₹20 lakhs'. The ₹25 lakh figure often seen online applies only to central government employees (Department of Pension and Pensioners' Welfare office memorandum of 30 May 2024), not to gratuity under the Code that this tool calculates. For private-sector employees gratuity is tax-exempt up to a lifetime ₹20 lakh; government employees' gratuity is fully exempt.
计算结果可以作为最终依据吗？Can I rely on the result?
「印度离职金（Gratuity）计算器」按标准公式计算，结果仅供参考；实际金额以银行、券商或税务机关的规则和四舍五入方式为准。The Gratuity Calculator (India) uses standard formulas and is for estimation only; actual figures depend on your bank, broker or tax authority's rules and rounding.
「印度离职金（Gratuity）计算器」免费吗？需要注册吗？Is the Gratuity Calculator (India) free? Do I need an account?
「印度离职金（Gratuity）计算器」完全免费，无需注册或安装，打开网页即可使用，手机和电脑都能用；输入的内容只在你的浏览器本地处理。The Gratuity Calculator (India) is completely free with no sign-up or install and works on phones and desktops; what you enter is processed only in your browser.