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Pension and retirement
For employees on the old pension, NPS or the Unified Pension Scheme, and for pensioners. Dearness Relief is 60%.
- Central government pension calculatorPension, commutation and DR at retirement
- Gratuity calculatorGovernment DCRG and private sector gratuity
- Leave encashment calculatorCash for earned leave at retirement
- NPS calculatorCorpus, lump sum and annuity pension
- Unified Pension Scheme (UPS) calculatorAssured payout and lump sum under UPS
- UPS vs NPS calculatorCompare the two pension options
Guides
- Pension commutation explainedSwap up to 40% of pension for a lump sum: formula and factor table
- Family pension for central government employeesNormal and enhanced rates, who gets it and how it is taxed
- Additional pension at age 80 and aboveExtra 20% to 100% of basic pension from age 80
- Leave encashment explainedHow unused earned leave turns into cash, and how it is taxed
- UPS vs NPS: how the two pension options compareAssured payout or market-linked corpus: a side-by-side comparison
- Old pension scheme vs NPSDefined-benefit pension against a market-linked corpus
- Gratuity rules for government and private employeesWho gets gratuity, how it is calculated and how much is tax-free
- CGHS explained: contribution, wards and pensioner cardsWhat CGHS costs at each pay level and what it covers
- Jeevan Pramaan: how to submit your life certificateDates, phone face-scan steps and what happens if you miss November
- Pension Payment Order (PPO) explainedWhat the PPO number means, what to check and how to get your e-PPO
- NPS withdrawal rules: lump sum, annuity and early exit80% lump sum for private sector, 60% for govt staff, and the tax catch
- NPS Vatsalya: NPS accounts for childrenA pension account for your child: contributions, withdrawals, options at 18
- Atal Pension Yojana (APY) explainedGuaranteed ₹1,000 to ₹5,000 pension: who can join and what it costs
- EPS pension and the higher pension optionThe ÷70 formula, the new ₹25,000 ceiling and the higher pension option
- Voluntary retirement: pension and benefits for central government employees20-year rule, notice, pension, gratuity and what NPS and UPS staff get