Rule 44 pension calculator

This calculator works out a central government superannuation pension under Rule 44 of the CCS (Pension) Rules, 2021, the Old Pension Scheme pension for employees who joined before 1 January 2004. It computes the basic pension at 50 per cent of your emoluments, the additional pension once you are 80 or older, the dearness relief on top, and the family pension your family would receive. Enter your figures below; the result updates as you type. The formula, the assumptions, and a worked example follow, so you can check the figure by hand.

Calculator

Your pension at a glance

What the calculator computes

The calculator takes five inputs: your last drawn basic pay, your average emoluments over the last 10 months, your qualifying service, your age, and the current dearness relief. From these it works out the pension under Rule 44 and the family pension under Rule 50.

The first output is the basic pension, 50 per cent of the higher of your last pay and your average emoluments. The second, where you are 80 or older, is the additional pension for age, a percentage added to the basic pension. The third is the dearness relief, computed on the basic pension plus any additional pension, which is what makes the pension keep pace with prices. The fourth is the monthly pension in hand, the basic pension plus the additional pension plus the dearness relief. It also shows the normal and enhanced family pension, 30 and 50 per cent of the same emoluments, that would be paid to your family.

The formula

The pension rests on your emoluments. Under Rule 31 of the CCS (Pension) Rules, 2021, emoluments mean the basic pay in your pay matrix Level last drawn, together with non-practising allowance for a medical officer and any stagnation increment. Dearness allowance is not part of emoluments; dearness relief is added to the pension separately.

The pension is:

Basic pension = 50 per cent of the higher of (last basic pay, average emoluments of the last 10 months)

The average emoluments, under Rule 32, are the average of the basic pay drawn over the last 10 months of service, which helps where the pay in the closing months was higher than the last figure. The result is subject to a minimum of Rs. 9,000 and a maximum of Rs. 1,25,000 a month, the maximum being 50 per cent of the highest pay in government of Rs. 2,50,000. Each figure is rounded up to the next rupee, as Rule 44(9) requires.

Two conditions matter. The pension needs at least 10 years of qualifying service; with fewer years a service gratuity is paid instead, not a pension. And since 1 January 2006 the full 50 per cent is no longer scaled down for service short of 33 years, so 10 years and 33 years both give the full half, per the Department of Pension and Pensioners’ Welfare order of 10 December 2009.

A worked example

Take an employee retiring on superannuation on a last basic pay of Rs. 1,00,000 a month, with average emoluments of Rs. 1,00,000, 33 years of qualifying service, aged 60, with dearness relief at 60 per cent.

The higher of the last pay and the average is Rs. 1,00,000, so the basic pension is 50 per cent of that, Rs. 50,000 a month. There is no additional pension, since the pensioner is below 80. Dearness relief at 60 per cent on Rs. 50,000 is Rs. 30,000, so the pension in hand is Rs. 80,000 a month. If a family pension became payable, the enhanced rate would be 50 per cent of emoluments, Rs. 50,000, and the normal rate 30 per cent, Rs. 30,000, both before dearness relief.

Two variations show the bounds. An employee on a last pay of Rs. 18,000, the Level 1 entry pay, has a computed pension of Rs. 9,000, which is exactly the minimum, so the floor holds it there. And where the pay in the final months was reduced, the average emoluments of the last 10 months can exceed the last pay, in which case the calculator uses the average, because it is more beneficial. When the pensioner turns 80, the additional pension of 20 per cent adds Rs. 10,000 to a Rs. 50,000 basic pension, taking the basic to Rs. 60,000 before dearness relief.

Notes and scope

The calculator is a guide for a superannuation or retiring pension under the Old Pension Scheme. It does not compute the pension for an employee on the National Pension System or the Unified Pension Scheme, which are separate, nor the commuted value of the pension, for which the commutation of pension calculator applies, nor the retirement gratuity, for which the gratuity calculator applies. It assumes a normal retirement, not an invalid or compensation pension, and it does not apply any pension that is withheld or reduced in a disciplinary case. Your pension is fixed by the Pay and Accounts Office on your pension papers; this figure lets you check it. For the rules behind the calculation, see the central government pension article.

See also

• Central government pension
• Old Pension Scheme
• Commutation of pension calculator
• Commutation of pension
• Gratuity calculator
• Gratuity for central government employees
• Family pension
• Dearness relief
• National Pension System
• Unified Pension Scheme
• One Rank One Pension
• 7th Central Pay Commission
• Pay matrix
• Income tax for government employees
• Central government employees in India

External references

• Department of Pension and Pensioners’ Welfare
• Pensioners’ Portal
• Central Pension Accounting Office
• Department of Expenditure