Home › Pension › Central government pension calculator
Central government pension calculator
For employees on the old pension scheme (joined before 2004). Pension is 50% of your last basic pay or of the average of your last 10 months, whichever is more, after at least 10 years of qualifying service.
Qualifying service: a part year of 3 months or more counts as a full half-year.
Fill in the form to see the result.
How pension is calculated
Under rule 44 of the Central Civil Services (Pension) Rules, 2021, pension is 50% of emoluments (your last basic pay) or of average emoluments (the average basic pay of the last 10 months), whichever is better for you. You need at least 10 years of qualifying service. The minimum pension is ₹9,000 and the maximum ₹1,25,000 a month.
On top of the basic pension you get Dearness Relief at the same rate as DA (60% now), and ₹1,000 Fixed Medical Allowance if you do not use CGHS. From age 80, an additional pension of 20% rising to 100% at 100 is added.
Commutation
You can give up (commute) up to 40% of your basic pension in exchange for a lump sum: commuted pension × 12 × commutation factor. The factor depends on your age on your next birthday (8.194 at 61). The commuted part is restored after 15 years. Read the commutation guide for the full table.
More calculators
- 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
Frequently asked questions
What is the minimum pension for central government employees?
₹9,000 a month, plus Dearness Relief. The minimum family pension is the same.
Is DR paid on the commuted pension?
Yes. Dearness Relief is calculated on the full basic pension before commutation, not on the reduced amount.
Who gets the old pension?
Employees who joined central government service before 1 January 2004, and some who joined later but were selected against vacancies advertised before that date and opted for it.
Is pension taxable?
Yes, pension is taxed as salary, and pensioners get the standard deduction. Commuted pension lump sum is fully tax-free for government employees.