Calculate Your Pension (OPS)

Use this calculator to estimate your pension under the Old Pension Scheme (OPS), applicable to central government employees who joined before January 1, 2004, certain state government employees (e.g., Himachal Pradesh), or specific UPS cases (death/disablement). Enter your average monthly basic salary (last 10 months), dearness allowance (DA) percentage, and years of service (10–33 years). The pension is 50% of last drawn pay (basic + DA) for 33+ years, proportionate for 10–33 years. Family pension and gratuity are also calculated. Note: OPS is not available for most NPS employees unless specified.

About the Old Pension Scheme (OPS)

The Old Pension Scheme (OPS) was a defined-benefit pension system for government employees in India, providing a guaranteed pension of 50% of the last drawn pay (basic salary + dearness allowance, DA) for 33+ years of service, proportionate for 10–33 years. It was non-contributory (no employee contributions) and unfunded (paid from current government revenues). Abolished for central government employees (except armed forces) joining after January 1, 2004, it was replaced by the National Pension System (NPS) due to fiscal concerns.

Eligibility in 2025

• Central Government: Employees who joined before January 1, 2004, and are now retired or nearing retirement. NPS employees (post-2004) can avail OPS benefits under the Unified Pension Scheme (UPS) only in cases of death during service or discharge due to invalidation/disablement (as of June 18, 2025).
• State Governments: Some states (e.g., Himachal Pradesh, Rajasthan, Chhattisgarh) have restored OPS for employees, including those who joined post-2004 (e.g., 1.36 lakh employees in Himachal Pradesh as of March 2023). Other states may follow, pending fiscal feasibility.
• Specific Categories: IAS, IPS, and IFS officers under NPS can opt for OPS under specific circumstances (e.g., disability, family support needs).
• Minimum Service: 10 years of qualifying service (e.g., regular service, approved leave, suspension if exonerated). Dismissal/resignation excludes eligibility.

Key Features of the OPS

Pension: 50% of the average last drawn pay (basic salary + DA, last 10 months) for 33+ years of service; proportionate for 10–33 years. Adjusted for inflation via Dearness Relief (DR) based on AICPI-IW (e.g., 53% to 55% from January 1, 2025, in some states).

Family Pension: 30% of last drawn pay upon the employee's death, with enhanced rates (50%) for the first 7 years or until the employee would have reached 67 years. Payable to the spouse, with provisions for disabled children via guardianship certificate.

Retirement Gratuity: 1/4th of monthly emoluments (basic salary + DA) per 6 months of service, up to 16.5 times, capped at ₹20 lakh. Tax-exempt up to ₹20 lakh.

Other Benefits: Ex-gratia payments (e.g., ₹20,000 for 2024–2025 in West Bengal for certain pensioners).

Current Status

The central government has no plans to restore OPS for all NPS employees, favoring the UPS (effective April 1, 2025) with a guaranteed pension and contributions (10% employee, 18.5% government). NPS employees can opt for UPS by September 30, 2025, for assured benefits. Employee unions are pushing for OPS restoration, with protests planned for mid-2025, and some states have reinstated OPS, increasing fiscal strain.

For more details, visit Pensioners' Portal or Department of Pension & Pensioners' Welfare and the UPS Pension Scheme website: UPS Pension Scheme.