Unified Pension Scheme (UPS) Calculator

This calculator includes:

Click below link to download SOP on UPS

Download SOP on UPS 

Unified Pension Scheme Calculator

12-Month Average Basic Pay (₹):

Qualifying Service (Years):

Qualifying Service (Months):

Individual Corpus Value (₹):

Benchmark Corpus Value (₹):

Current DA Rate (%):

Pension Calculation Results

Total Qualifying Months:

Full Assured Payout:

Proportionate Payout:

Minimum Guaranteed Payout:

Final Monthly Pension:

Dearness Relief (DR):

Total Monthly Pension (with DR):

Lump Sum Payment:

Note: This calculator is based on the Unified Pension Scheme rules as per Ministry of Finance Notification No. F. No. FX-1/3/2024-PR dated 24th January 2025. The actual pension amount may vary based on government rules and regulations.

How to Use This Calculator

1. Enter your 12-month average basic pay before retirement
2. Enter your total qualifying service in years and months
3. Enter your individual corpus value (from your NPS account)
4. The benchmark corpus is typically equal to the individual corpus if all contributions were made regularly
5. Enter the current Dearness Allowance (DA) rate (default is 53%)
6. Click "Calculate Pension" to see your estimated pension benefits

Pension Calculation Formula

The monthly pension is calculated using the following formula:

Monthly Pension = (BasicPay/2) × (QualifyingMonths/300) × (IndividualCorpus/BenchmarkCorpus)

With the following conditions:

• If QualifyingMonths > 300, use 300
• Minimum guaranteed pension is ₹10,000 per month for 10+ years service
• Dearness Relief is calculated on the basic pension amount

Lump Sum Payment Calculation

Qualifying Service	Completed 6-month periods	Calculation
10 years (120 months)	20	1/10 of emoluments × 20
15 years (180 months)	30	1/10 of emoluments × 30
20 years (240 months)	40	1/10 of emoluments × 40
25 years (300 months)	50	1/10 of emoluments × 50