Use this calculator to estimate your monthly pension and lump sum payment under the Unified Pension Scheme (UPS), effective from April 1, 2025. Enter your average monthly basic salary (last 12 months), dearness allowance (DA) percentage, years of service (minimum 10), and government contribution percentage (default 18.5%). The pension is 50% of basic salary for 25+ years of service, proportionate for 10–24 years, with a minimum of ₹10,000 for 10+ years. The lump sum is 1/10th of monthly emoluments (basic pay + DA) per 6 months of service. Note: Contributions fund the scheme but do not directly affect the pension amount.
The Unified Pension Scheme (UPS), approved on August 24, 2024, and effective from April 1, 2025, is a contributory pension scheme for central government employees, offering assured benefits and financial security post-retirement. It benefits ~2.3 million central government employees and potentially ~9 million if state governments adopt it (e.g., Maharashtra adopted it on August 25, 2024). The scheme is regulated by the Pension Fund Regulatory and Development Authority (PFRDA).
The UPS applies to:
Guaranteed Pension: 50% of average basic pay (last 12 months) for 25+ years of qualifying service (e.g., suspension if exonerated, study leave, deputation). Proportionate pension for 10–24 years. Pension applies post-superannuation, voluntary retirement (after 25 years), or retirement under FR 56(j) (not dismissal/resignation). Minimum 10 years of service required.
Minimum Pension: ₹10,000/month for employees with 10+ years of service.[](https://www.hindustantimes.com/india-news/central-govt-notifies-unified-pension-scheme-for-employees-101737816891343.html)
Family Pension: 60% of the employee’s entitled pension paid to the legally wedded spouse upon death.
Inflation Adjustment: Pension, family pension, and minimum pension include Dearness Relief based on AICPI-IW, applied as for serving employees, starting when payout begins.[](https://www.newindianexpress.com/nation/2025/Jan/25/unified-pension-scheme-to-be-operational-from-april-1-2025)
Lump Sum Payment: 1/10th of monthly emoluments (basic pay + dearness allowance) per 6 months of qualifying service, paid at superannuation without affecting pension.[](https://www.newindianexpress.com/nation/2025/Jan/25/unified-pension-scheme-to-be-operational-from-april-1-2025)
Contributions: Employees contribute 10% of basic pay + dearness allowance (DA) to an individual corpus (via PRAN). The government matches with 10% and adds ~8.5% to a pool corpus to support assured payouts. Employees can choose investment options for the individual corpus, with a default option if none selected.
The UPS combines benefits of the Old Pension Scheme (OPS, non-contributory, fixed pension, fiscally unsustainable) and National Pension System (NPS, market-linked, no guaranteed pension). UPS offers assured payouts, inflation protection, and sustainability via contributions and a pool corpus. Once chosen, the UPS option is irrevocable, unlike NPS, which allows market-linked flexibility.
For more details, visit the PFRDA or Protean CRA websites and the UPS Pension Scheme website: UPS Pension Scheme.