Government Pension Calculator

Q: What is the difference between OPS and NPS?

OPS guarantees a defined pension (50% of last drawn salary at full qualifying service), funded by the government, with no employee contribution. NPS is a defined-contribution scheme where the pension depends on market-linked investment returns on contributions made by both employee and employer.

Q: How is a proportionate pension calculated?

Pension = 50% of last drawn basic+DA × (your qualifying service years / 33). So an employee with 20 years of service (instead of the full 33) gets 20/33 of the full pension.

Q: Is DA added to the pension after it starts?

Yes — pensioners under OPS also receive Dearness Relief (DR), revised alongside DA for serving employees, which increases the effective monthly pension amount over time (not modeled in this calculator).

Estimate your monthly pension under the Old Pension Scheme (OPS), based on your last drawn basic pay + DA and years of qualifying service.

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Under the Old Pension Scheme, monthly pension is 50% of your last drawn basic+DA at 33 years of qualifying service, proportionately reduced for fewer years.

Last drawn basic pay + DA *

₹

Qualifying service (years) *

Minimum 10 years of qualifying service is required for pension eligibility.

Your result

₹27,272.73

Estimated monthly pension

Qualifying years used in calculation30 years

Proportionate pension (service < 33 years)true

AI explanation

Formula

Full pension = 50% of last drawn basic+DA at 33 years of qualifying service; fewer years give a proportionate pension

Worked example

₹60,000 last drawn, 30 years of service

Worked example: ₹60,000 last drawn, 30 years of service
Field	Value
Last drawn basic pay + DA	60000
Qualifying service (years)	30
Estimated monthly pension	27272.73
Qualifying years used in calculation	30

Assumptions

Applies to employees still covered under the Old Pension Scheme (OPS) — pre-2004 recruits, or states/services that have reverted to OPS.
Full pension (50% of last drawn basic+DA) requires 33 years of qualifying service; service beyond 33 years does not increase the pension percentage further.
Minimum 10 years of qualifying service is required to be eligible for any pension.

Frequently asked questions

What is the difference between OPS and NPS?

OPS guarantees a defined pension (50% of last drawn salary at full qualifying service), funded by the government, with no employee contribution. NPS is a defined-contribution scheme where the pension depends on market-linked investment returns on contributions made by both employee and employer.

How is a proportionate pension calculated?

Pension = 50% of last drawn basic+DA × (your qualifying service years / 33). So an employee with 20 years of service (instead of the full 33) gets 20/33 of the full pension.

Is DA added to the pension after it starts?

Yes — pensioners under OPS also receive Dearness Relief (DR), revised alongside DA for serving employees, which increases the effective monthly pension amount over time (not modeled in this calculator).

Related calculators

Sources

Central Civil Services (Pension) Rules — pension calculation — Department of Pension & Pensioners' Welfare, Government of India. Effective 01-06-1972, reviewed 13-09-2026.

This calculator provides an estimate only, based on the standard OPS formula. Actual pension depends on service-record verification and applicable pension rules for your specific cadre/state — verify with your pension sanctioning authority.

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