Estimated monthly pension under the Unified Pension Scheme, NPS and the Old Pension Scheme
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 23 Oct 2026.With 25 years of service and an average basic pay of ₹80,000, the Unified Pension Scheme pays ₹40,000 a month plus dearness relief. The Old Pension Scheme would pay half the last basic pay, and NPS pays whatever annuity your corpus buys. Enter your figures to compare all three estimates.
Rates and rules read from the sources listed on this page (the earliest on 23 Oct 2026); they may have changed since.
Enter "Average basic pay, last 12 months", "Last basic pay", "Qualifying service" in years and months, and the "DA / DR on retirement day".
Under "UPS corpus" enter the "Individual corpus at retirement" and "Benchmark corpus" from your CRA statement, and a "Final withdrawal" share.
Under "If you stay in NPS" enter the "NPS corpus at retirement", the "Share used for annuity" and the "Annuity rate quoted".
Read the estimated UPS, "NPS (annuity)" and "Old Pension Scheme" monthly figures, and open "Side by side" for lump sums and family payouts.
Press "Share result" to copy a link with these inputs.
Central government employees who joined after 2003 are in NPS and may switch to the Unified Pension Scheme. This calculator sets the monthly pension under each side by side, with the Old Pension Scheme as the yardstick. Every figure is an estimate built from the numbers you enter.
Unified Pension Scheme. Under the PFRDA UPS Regulations of March 2025, the assured payout is half the average basic pay of the last 12 months for 25 years of service, reduced in proportion for 10 to 25 years, and never below ₹10,000 a month once you have 10 years. It falls in proportion if your corpus is below the benchmark corpus, or if you take a final withdrawal of up to 60%. Dearness relief is added. At retirement you also get a lump sum of one tenth of basic pay plus DA for every six months served. A spouse receives 60% of the payout.
Old Pension Scheme. Under the CCS (Pension) Rules 2021, which cover staff appointed on or before 31 December 2003, the pension after 10 years is half the last basic pay, or of the last 10 months’ average if that is higher, between ₹9,000 and ₹1,25,000, with dearness relief. It is shown for comparison; employees who joined later cannot choose it.
NPS. Your pension is the annuity bought with at least 40% of the corpus, at the rate an insurer quotes that day. The rest can be taken as a lump sum. The corpus depends on market returns, so enter it from your CRA statement or the NPS Calculator.
What is left out. Gratuity, which all three pay, OPS commutation, income tax, the enhanced family pension in early years and future rises in dearness relief are not modelled. Under UPS your individual corpus, apart from the final withdrawal, goes to the pool, so compare lump sums as well as monthly amounts. Confirm your own figures with your Head of Office before you choose.
The assured payout is half the average basic pay of the last 12 months, multiplied by months of service divided by 300, with service above 25 years counted as 25. With 191 months and an average basic pay of ₹52,894, the Gazette works it out as ₹16,838 before any corpus adjustment and dearness relief.
Ten thousand rupees a month, plus dearness relief, for anyone who retires on superannuation with at least 10 years of qualifying service. The minimum can still be reduced if the individual corpus is below the benchmark corpus or if a final withdrawal is taken. Under 10 years of service, UPS does not apply.
One tenth of the last basic pay plus dearness allowance for every completed six months of service. With 25 years of service that is 50 six-month periods, or five months' pay and DA. A separate final withdrawal of up to 60% of the corpus is optional and lowers the monthly payout in the same proportion.
No. The NPS pension depends on the corpus at retirement, which moves with markets, and on the annuity rate an insurer quotes on the day you buy. Both are inputs here. An NPS annuity also carries no dearness relief, so its buying power falls with inflation while UPS and OPS pensions rise with DR.
No. The CCS (Pension) Rules 2021 apply to government servants appointed on or before 31 December 2003. Later recruits are in NPS and may opt for UPS. The Old Pension Scheme appears in this calculator only as a yardstick, to show what the same pay and service would have earned under it.
Under UPS, 60% of the payout the retiree was drawing, plus dearness relief. Under the Old Pension Scheme, 30% of last pay, at least ₹9,000, with higher rates in the early years that are not modelled here. Under NPS, it depends on the annuity chosen: a joint-life annuity continues to the spouse.
Rates and rules change; check the source before you rely on a figure.
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