Dual System: OPS & Unified Pension Scheme (UPS)

Pension & Commutation Calculator

Comprehensive pension assessment under the Old Pension Scheme (OPS) with 40% commutation lump sum and the newly approved Unified Pension Scheme (UPS) with 50% assured basic pension and DR indexation.

Pension Assessment Engine

Select your pension framework to calculate monthly pension & commutation lump sum

Computed Monthly Pension & Retirement Benefits

CCS Pension Rules
Net Monthly Pension Disbursed ₹0 Credited monthly to pensioner bank account
Commutation Lump Sum ₹0 Tax-Free Lump Sum
Full Pension (50%) ₹0
Commuted (40%) ₹0
Monthly DR (63%) ₹0
Family Pension ₹0

Unified Pension Scheme (UPS)

Effective from 1st April 2025, UPS guarantees an assured monthly pension equal to 50% of the average basic pay drawn in the last 12 months for 25+ years of service, with inflation relief (DR).

Compare with NPS Accumulation

Complete Pension Rules & Commutation Formula Explained

Central Government pension administration operates under the Central Civil Services (Pension) Rules. For employees who retired under the defined benefit system, pension is guaranteed at 50% of emoluments.

Commutation Formula & Restoration

Pensioners may choose to commute up to 40% of their basic pension for an upfront lump sum:

Commutation Lump Sum = (40% of Basic Pension) × 12 × Commutation Factor

The commuted portion is deducted from the monthly pension for 15 years, after which the full basic pension is completely restored.