Unified Pension Scheme Calculator

UPS is not calculated like an NPS annuity. UPS starts with an assured-payout formula based on the last 12-month average Basic Pay and qualifying-service months. Individual Corpus, Benchmark Corpus, and final withdrawal can then reduce the admissible payout. NPS pension instead depends on the corpus used to purchase an annuity and the annuity terms.

The full UPS rate is 50% of the last 12-month average Basic Pay after at least 300 qualifying-service months. Service from 120 to 299 months receives a proportionate payout, subject to the ₹10,000 minimum and corpus conditions.

Individual Corpus is the value accumulated in the UPS PRAN. Benchmark Corpus is the CRA comparison value based on prescribed contributions and the default investment pattern. A shortfall in Individual Corpus can reduce the admissible payout; an eligible excess is shown separately. Use certified CRA values when available.

Up to 60% of the lower of Individual Corpus and Benchmark Corpus may be selected as final withdrawal. The admissible monthly payout is reduced by the same selected percentage, so a 60% final withdrawal leaves 40% of the otherwise applicable payout after any corpus-ratio adjustment.

No. The statutory lump sum equals one-tenth of last-drawn Basic Pay plus applicable DA for every completed 6 months of qualifying service and does not reduce the assured payout. Final withdrawal is taken from the lower corpus and proportionately reduces the admissible payout.

The eligible legally wedded spouse receives 60% of the admissible payout or top-up amount drawn by the subscriber immediately before death. Dearness Relief applies as notified. Eligibility depends on the spouse recorded under the applicable UPS rules and service records.

Yes. Dearness Relief, as declared by the Central Government, applies to the admissible payout and family payout when those payments commence. It is separate from the DA used in calculating the statutory lump sum.

The commencement date depends on the applicable voluntary-retirement provision. For voluntary retirement after at least 25 years of qualifying service, current PFRDA guidance generally starts assured payout from the date the employee would have superannuated, while the statutory lump sum and eligible final withdrawal may be available at VRS. This calculator models ordinary superannuation only.

No. It models ordinary Central Government superannuation for education. Qualifying service and pay must be certified by the Head of Office, corpus values come from the CRA, and the PAO authorises the actual UPS Payout Order.