UPS Pension Scheme Calculation
Comprehensive retirement benefit estimator for Central Government employees under the UPS pension scheme
Pension Benefit Projection
Enter your employment details to calculate your projected pension benefits under the UPS scheme
Employment Details
Pension Calculation Parameters
Additional Benefits
Understanding the UPS Pension Scheme
The Central Government’s UPS Pension Scheme provides comprehensive retirement benefits to eligible employees based on years of service, last pay drawn, and retirement age. This calculator helps you estimate your potential benefits under the current scheme rules.
Important Note: This calculator provides estimates based on current rules. Actual pension benefits are determined by the Central Government Pension authorities based on official service records and applicable rules at the time of retirement.
Pension Calculation Formula
The UPS pension is calculated as:
Basic Pension = (Last Pay Drawn × Qualifying Service) / 66.67
Minimum Pension = 50% of Last Pay Drawn
Maximum Pension = 50% of Highest Pay in Government
- Qualifying Service: Total years of service (minimum 10 years required)
- Last Pay Drawn: Basic pay + Dearness Allowance at retirement
- Commutation: Up to 40% can be commuted for lump sum payment
Additional Benefits
- Dearness Allowance: Revised quarterly based on inflation (currently 46% of basic pension)
- Medical Benefits: Coverage under CGHS including OPD and hospitalization
- Family Pension: 30% of last pay drawn to spouse after pensioner’s death
- Gratuity: One-time payment based on service duration (minimum 5 years required)